Best ELSS Mutual Funds 2026 for Tax Saving + High Returns
Aap agar tax saving ke saath high returns chahte hain, toh ELSS mutual funds ek achha vikalp hain. Yeh funds Section 80C ke under ₹1.5 lakh tak deduction dete hain aur 3 saal ke lock-in ke saath equity mein invest karte hain. January 2026 ke latest data ke basis par yeh top ELSS funds 15–28% tak ke returns dikha rahe hain.
ELSS SIP Start Karein – 5paisa
ELSS Mutual Funds Kya Hain?
ELSS (Equity Linked Savings Scheme) tax saving mutual funds hote hain jo primarily equity market mein invest karte hain. 2026 ke rules ke hisaab se LTCG ₹1.25 lakh se upar 12.5% taxable hota hai. In funds ka lock-in sirf 3 saal hota hai.
Best ELSS Mutual Funds 2026 (3–5 Year Data)
| Fund Name | AUM (Cr) | 3Y Returns (%) | 5Y Returns (%) | Expense Ratio | Risk |
|---|---|---|---|---|---|
| Quant ELSS Tax Saver Fund | ~12,000 | 25–28 | 28–29 | 0.70% | Very High |
| SBI ELSS Tax Saver Fund | 32,609 | 23.8 | 20.6 | 0.92% | Very High |
| HDFC ELSS Tax Saver Fund | 17,163 | 21.6 | 20.9 | 1.08% | Very High |
| Mirae Asset ELSS Tax Saver | 25,911 | 20–22 | ~22 | 0.60% | Very High |
| DSP ELSS Tax Saver Fund | ~15,000 | 20–22 | 18–20 | 0.80% | Very High |
ELSS Investment Ke Fayde
- Section 80C ke under tax deduction
- Sirf 3 saal ka lock-in (PPF se kam)
- Long-term mein high return potential
- SIP ₹500 se shuru ho sakta hai
FAQs – ELSS Mutual Funds 2026
Q1. Kya ELSS beginners ke liye safe hai?
ELSS equity based hota hai, isliye short-term risk hota hai. Lekin long-term SIP ke liye beginners ke liye suitable hai.
Q2. ELSS SIP ya lump sum – kya better hai?
Beginners ke liye SIP better hota hai kyunki rupee cost averaging ka fayda milta hai.
Q3. ELSS ka lock-in kab khatam hota hai?
Har investment date se exactly 3 saal baad lock-in complete hota hai.
Q4. Kya ELSS har saal tax saving ke liye use kar sakte hain?
Haan, har financial year ₹1.5 lakh tak ELSS mein invest karke tax saving ki ja sakti hai.