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ELSS Mutual Funds 2026

Decizen(Understand the Method):- Q: Quality,
Compare Funds
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NAV (Rs.)
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Returns Since
inception (%)
Returns
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Past
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Avg Rolling
 CAGR
Fund DeciZen
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P(%)
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Q
Sundaram LT Tax Adv Fund-Sr III-(G)-Direct Pla...
29.95 29
14.6
28 Mar' 18
4.97
16.09
20.16
N/A
22.17
25.97
25.74
N/A
 cagr
26
Q
Sundaram LT Tax Adv Fund-Sr III-Reg(G)
28.97 29
14.1
28 Mar' 18
4.97
16.09
20.16
N/A
21.80
25.64
25.40
N/A
 cagr
26
Q
Quant ELSS Tax Saver Fund(G)-Direct Plan
424.54 10,978
19.6
07 Jan' 13
0.4
13.86
16.27
17.43
24.50
23.77
23.55
23.23
 cagr
24
Q
Parag Parikh ELSS Tax Saver Fund(G)-Direct Pla...
32.48 5,261
19.1
24 Jul' 19
-7.78
12.06
13.7
N/A
23.79
22.49
23.44
N/A
 cagr
22
Q
Bank of India Midcap Tax Fund-Sr 1(G)-Direct P...
28.79 55
13.8
19 Feb' 18
2.76
15.33
12.86
N/A
18.94
21.24
20.90
N/A
 cagr
21
Q
Parag Parikh ELSS Tax Saver Fund-Reg(G)
29.97 5,261
17.7
24 Jul' 19
-7.78
12.06
13.7
N/A
22.32
21.01
21.97
N/A
 cagr
21
Q
Bank of India Midcap Tax Fund-Sr 1-Reg(G)
27.77 55
13.3
19 Feb' 18
2.76
15.33
12.86
N/A
18.47
20.76
20.43
N/A
 cagr
21
Q
Mirae Asset ELSS Tax Saver Fund(G)-Direct Plan
55.44 22,940
18.1
28 Dec' 15
-1.69
12.98
11.38
13.96
20.56
18.72
20.06
18.83
 cagr
19
Q
Bank of India ELSS Tax Saver(G)-Direct Plan
193.17 1,260
17.2
01 Jan' 13
-2.46
14.61
13.22
14.66
19.21
18.40
18.36
18.16
 cagr
18
Q
DSP ELSS Tax Saver Fund(G)-Direct Plan
153.97 15,044
17
01 Jan' 13
-4.97
15.86
13.77
13.17
18.59
18.12
17.49
17.48
 cagr
18
Q
JM ELSS Tax Saver Fund(G)-Direct Plan
54.05 196
16.4
01 Jan' 13
-5.51
14.71
12.68
13.02
18.49
18.01
17.44
17.46
 cagr
18
Q
Bandhan ELSS Tax Saver Fund(G)-Direct Plan
175.03 6,274
16.7
01 Jan' 13
-2.5
11.75
13.02
12.95
18.33
17.87
17.58
17.55
 cagr
18
Q
Kotak ELSS Tax Saver Fund(G)-Direct Plan
133.96 5,587
15.2
01 Jan' 13
-3.93
11.4
11.6
11.8
17.00
17.28
16.77
16.79
 cagr
17
Q
DSP ELSS Tax Saver Fund-Reg(G)
137.67 15,044
14.6
18 Jan' 07
-4.97
15.86
13.77
13.17
17.46
17.04
17.02
15.53
 cagr
17
Q
Bank of India ELSS Tax Saver-Reg(G)
164.36 1,260
17.7
25 Feb' 09
-2.46
14.61
13.22
14.66
17.79
16.96
16.69
14.93
 cagr
17
Q
JM ELSS Tax Saver Fund(G)
46.86 196
8.9
31 Mar' 08
-5.51
14.71
12.68
13.02
17.19
16.73
16.37
14.09
 cagr
17
Q
Canara Rob ELSS Tax Saver(G)-Direct Plan
196.80 7,810
15.2
01 Jan' 13
-2.16
11.76
10.81
13.35
16.85
16.42
16.73
16.44
 cagr
16
Q
Tata ELSS Fund(G)-Direct Plan
52.35 4,091
15.4
13 Oct' 14
-1.24
12.91
11.83
11.86
16.71
15.83
15.64
15.92
 cagr
16
Q
Kotak ELSS Tax Saver Fund(G)
113.38 5,587
12.6
23 Nov' 05
-3.93
11.4
11.6
11.8
15.50
15.81
15.39
13.35
 cagr
16
Q
ICICI Pru ELSS Tax Saver Fund(G)-Direct Plan
1030.74 12,810
15.1
01 Jan' 13
-2.71
13.29
11.77
11.16
15.53
15.43
15.12
15.02
 cagr
15
Q
Quant ELSS Tax Saver Fund(G)
376.59 10,978
14.9
13 Apr' 00
0.4
13.86
16.27
17.43
23.10
22.51
21.08
15.22
 cagr
23
Q
Sundaram LT Micro Cap Tax Adv Fund-Sr V-(G)-Di...
29.04 26
12.9
05 Jul' 17
2.47
15.32
19.07
N/A
18.52
21.47
22.40
N/A
 cagr
21
Q
Bank of India Midcap Tax Fund-Sr 2(G)-Direct P...
33.69 28
17.6
19 Oct' 18
0.11
14.78
12.14
N/A
21.43
21.14
22.02
N/A
 cagr
21
Q
Sundaram LT Micro Cap Tax Adv Fund-Sr V-Reg(G)
28.19 26
12.5
05 Jul' 17
2.47
15.32
19.07
N/A
18.18
21.13
22.06
N/A
 cagr
21
Q
Bank of India Midcap Tax Fund-Sr 2-Reg(G)
32.37 28
16.9
19 Oct' 18
0.11
14.78
12.14
N/A
20.83
20.57
21.47
N/A
 cagr
21
Q
Mirae Asset ELSS Tax Saver Fund-Reg(G)
48.65 22,940
16.6
28 Dec' 15
-1.69
12.98
11.38
13.96
19.04
17.20
18.49
17.34
 cagr
17
Q
Invesco India ELSS Tax Saver Fund(G)-Direct Pl...
140.05 2,293
15.9
01 Jan' 13
-8.97
11.55
9.11
10.97
16.19
16.60
16.29
16.18
 cagr
17
Q
Bandhan ELSS Tax Saver Fund-Reg(G)
151.14 6,274
17
26 Dec' 08
-2.5
11.75
13.02
12.95
16.99
16.51
16.73
15.59
 cagr
17
Q
ITI ELSS Tax Saver Fund(G)-Direct Plan
26.69 369
16.3
18 Oct' 19
-6.28
13.92
9.89
N/A
22.37
20.68
20.18
N/A
 cagr
21
Q
SBI LT Advantage Fund-V-(G)-Direct Plan
31.43 320
15.2
27 Mar' 18
0.04
18.62
15.05
N/A
19.48
19.81
19.68
N/A
 cagr
20
Q
ICICI Pru LT Wealth Enhancement Fund(G)-Direct...
29.57 35
14.3
23 Mar' 18
-1.64
15.36
14.56
N/A
17.78
19.60
19.49
N/A
 cagr
20
Q
Sundaram LT Micro Cap Tax Adv Fund-Sr IV-(G)-D...
29.65 30
12.7
24 Mar' 17
2.24
14.91
19.3
10.75
17.52
19.39
21.27
11.79
 cagr
19
Q
SBI LT Advantage Fund-V-Reg(G)
30.16 320
14.7
27 Mar' 18
0.04
18.62
15.05
N/A
18.92
19.28
19.15
N/A
 cagr
19
Q
Sundaram LT Micro Cap Tax Adv Fund-Sr IV-Reg(G...
28.97 30
12.4
24 Mar' 17
2.24
14.91
19.3
10.75
17.29
19.19
21.07
11.52
 cagr
19
Q
ICICI Pru LT Wealth Enhancement Fund(G)
28.28 35
13.7
23 Mar' 18
-1.64
15.36
14.56
N/A
17.20
19.07
18.96
N/A
 cagr
19
Q
ITI ELSS Tax Saver Fund-Reg(G)
23.46 369
14
18 Oct' 19
-6.28
13.92
9.89
N/A
19.97
18.34
17.83
N/A
 cagr
18
Q
Motilal Oswal ELSS Tax Saver Fund(G)-Direct Pl...
60.93 3,969
17.4
21 Jan' 15
0.31
19.57
15.6
13.39
20.15
17.99
17.18
18.62
 cagr
18
Q
Sundaram LT Micro Cap Tax Adv Fund-Sr III-(G)-...
34.29 63
14
18 Nov' 16
1.99
14.59
19.01
10.95
17.89
17.89
20.23
13.14
 cagr
18
Q
Sundaram LT Micro Cap Tax Adv Fund-Sr III-Reg(...
33.24 63
13.6
18 Nov' 16
1.99
14.59
19.01
10.95
17.59
17.63
19.97
12.82
 cagr
18
Q
SBI ELSS Tax Saver Fund(G)-Direct Plan
468.82 28,441
15.7
01 Jan' 13
-4.25
18.86
16.59
13.35
17.18
16.54
15.49
15.50
 cagr
17
Q
Motilal Oswal ELSS Tax Saver Fund-Reg(G)
52.72 3,969
15.9
21 Jan' 15
0.31
19.57
15.6
13.39
18.60
16.48
15.68
17.10
 cagr
16
Q
Franklin India ELSS Tax Saver Fund(G)-Direct P...
1591.68 5,684
15.2
01 Jan' 13
-6.12
14.03
13.06
11.37
15.98
16.00
15.17
15.18
 cagr
16
Q
SBI ELSS Tax Saver Fund-Reg(G)
431.74 28,441
16
31 Mar' 93
-4.25
18.86
16.59
13.35
16.42
15.80
15.07
13.13
 cagr
16
Q
Mahindra Manulife ELSS Tax Saver Fund(G)-Direc...
32.56 828
13.2
18 Oct' 16
-4.62
10.36
11
9.61
15.32
15.76
17.20
13.58
 cagr
16
Q
Sundaram ELSS Tax Saver Fund(G)-Direct Plan
536.08 1,183
14.8
01 Jan' 13
-4.28
12.09
11.35
11.07
16.01
15.71
15.22
15.33
 cagr
16
Q
Shriram ELSS Tax Saver Fund(G)-Direct Plan
23.29 42
12.4
25 Jan' 19
-6.88
7.53
7.19
N/A
14.64
15.59
16.28
N/A
 cagr
16
Q
PGIM India ELSS Tax Saver Fund(G)-Direct Plan
38.14 638
13.8
11 Dec' 15
-8.7
7.23
9.79
10.39
16.40
15.58
17.20
15.21
 cagr
16
Q
HDFC ELSS Tax saver(G)-Direct Plan
1489.53 14,615
14.5
01 Jan' 13
-4.1
16.25
16.48
11.54
16.49
15.42
14.27
14.46
 cagr
15
Q
Canara Rob ELSS Tax Saver-Reg(G)
174.61 7,810
17.8
02 Feb' 09
-2.16
11.76
10.81
13.35
15.66
15.31
15.41
14.57
 cagr
15
Q
HSBC ELSS Tax saver Fund(G)-Direct Plan
147.64 3,561
14.8
01 Jan' 13
-2.31
15.45
12.28
11.07
16.01
15.28
14.36
14.50
 cagr
15
Q
Axis ELSS Tax Saver Fund(G)-Direct Plan
106.21 29,076
15.9
01 Jan' 13
-5.85
11.71
6.9
10.5
14.26
15.24
15.32
15.09
 cagr
15
Q
Groww ELSS Tax Saver Fund(G)-Direct Plan
21.68 46
9.8
28 Dec' 17
-5.73
9.72
8.36
N/A
13.22
15.16
14.96
N/A
 cagr
15
Q
Sundaram ELSS Tax Saver Fund-Reg(G)
499.31 1,183
15.4
31 Mar' 96
-4.28
12.09
11.35
11.07
15.40
15.09
15.49
13.58
 cagr
15
Q
Baroda BNP Paribas ELSS Tax Saver Fund(G)-Dire...
109.95 809
15.1
02 Jan' 13
-0.67
15.62
11.26
11.62
14.98
15.04
14.54
14.53
 cagr
15
Q
Invesco India ELSS Tax Saver Fund-Reg(G)
117.40 2,293
13.6
29 Dec' 06
-8.97
11.55
9.11
10.97
14.64
14.99
15.39
15.07
 cagr
15
Q
Franklin India ELSS Tax Saver Fund(G)
1419.27 5,684
20.1
10 Apr' 99
-6.12
14.03
13.06
11.37
14.95
14.97
14.82
14.09
 cagr
15
Q
Edelweiss ELSS Tax saver Fund(G)-Direct Plan
134.67 395
14.7
21 Jan' 13
-0.65
13.11
11.35
10.58
15.02
14.79
14.35
14.35
 cagr
15
Q
Taurus ELSS Tax Saver Fund(G)-Direct Plan
193.01 64
12.8
01 Jan' 13
-9.19
10.36
10.63
10.94
15.00
14.72
14.22
14.28
 cagr
15
Q
HDFC ELSS Tax saver(G)
1372.96 14,615
22.5
31 Mar' 96
-4.1
16.25
16.48
11.54
15.77
14.71
13.89
12.78
 cagr
15
Q
HSBC ELSS Tax saver Fund-Reg(G)
134.70 3,561
13.8
27 Feb' 06
-2.31
15.45
12.28
11.07
15.18
14.47
14.13
13.56
 cagr
14
Q
LIC MF ELSS Tax Saver(G)-Direct Plan
166.85 915
13.8
01 Jan' 13
-10.65
10.65
9.87
10.2
14.52
14.45
14.20
14.16
 cagr
14
Q
ICICI Pru ELSS Tax Saver Fund(G)
924.20 12,810
18.5
19 Aug' 99
-2.71
13.29
11.77
11.16
14.58
14.44
14.77
14.27
 cagr
14
Q
Tata ELSS Fund-Reg(G)
45.36 4,091
14
13 Oct' 14
-1.24
12.91
11.83
11.86
15.30
14.40
14.18
14.49
 cagr
14
Q
UTI ELSS Tax Saver Fund(G)-Direct Plan
224.16 3,175
13.3
02 Jan' 13
-5.73
10.28
8.76
10.09
14.62
14.33
14.25
14.11
 cagr
14
Q
Axis ELSS Tax Saver Fund-Reg(G)
93.53 29,076
14.7
29 Dec' 09
-5.85
11.71
6.9
10.5
13.25
14.15
15.61
15.45
 cagr
14
Q
Union ELSS Tax Saver Fund(G)-Direct Plan
69.48 772
13.3
01 Jan' 13
-3.28
11.78
11.59
11.6
14.60
14.07
14.04
13.82
 cagr
14
Q
Nippon India ELSS Tax Saver Fund(G)-Direct Pla...
143.97 13,422
14.1
01 Jan' 13
-1.21
14.79
13.33
8.75
14.31
14.02
12.54
12.79
 cagr
14
Q
PGIM India ELSS Tax Saver Fund-Reg(G)
32.95 638
12.2
11 Dec' 15
-8.7
7.23
9.79
10.39
14.75
13.90
15.53
13.53
 cagr
14
Q
Taurus ELSS Tax Saver Fund-Reg(G)
176.22 64
11.6
31 Mar' 96
-9.19
10.36
10.63
10.94
14.17
13.87
13.34
12.41
 cagr
14
Q
Baroda BNP Paribas ELSS Tax Saver Fund-Reg(G)
96.66 809
11.8
05 Jan' 06
-0.67
15.62
11.26
11.62
13.67
13.83
14.13
13.16
 cagr
14
Q
Mahindra Manulife ELSS Tax Saver Fund-Reg(G)
27.44 828
11.2
18 Oct' 16
-4.62
10.36
11
9.61
13.30
13.77
15.19
11.56
 cagr
14
Q
Quantum ELSS Tax Saver Fund(G)-Direct Plan
125.33 193
15.7
23 Dec' 08
-6.79
13.7
11.44
10.09
14.62
13.75
13.49
12.86
 cagr
14
Q
Aditya Birla SL ELSS Tax Saver Fund(G)-Direct ...
67.86 13,117
13.9
01 Jan' 13
-0.69
12.22
7.04
8.62
12.88
13.66
13.02
13.11
 cagr
14
Q
Shriram ELSS Tax Saver Fund-Reg(G)
20.49 42
10.4
25 Jan' 19
-6.88
7.53
7.19
N/A
12.64
13.57
14.25
N/A
 cagr
14
Q
UTI ELSS Tax Saver Fund-Reg(G)
198.82 3,175
11.4
01 Aug' 05
-5.73
10.28
8.76
10.09
13.52
13.26
13.40
11.90
 cagr
13
Q
Union ELSS Tax Saver Fund(G)
63.54 772
13.8
23 Dec' 11
-3.28
11.78
11.59
11.6
13.74
13.26
13.36
13.18
 cagr
13
Q
Quantum ELSS Tax Saver Fund-Reg(G)
118.50 193
15.2
23 Dec' 08
-6.79
13.7
11.44
10.09
13.99
13.23
13.03
12.46
 cagr
13
Q
LIC MF ELSS Tax Saver-Reg(G)
144.86 915
9.9
31 Mar' 98
-10.65
10.65
9.87
10.2
13.24
13.23
13.26
11.64
 cagr
13
Q
Edelweiss ELSS Tax saver Fund-Reg(G)
112.47 395
15
30 Dec' 08
-0.65
13.11
11.35
10.58
13.32
13.23
13.36
12.61
 cagr
13
Q
Nippon India ELSS Tax Saver Fund(G)
130.49 13,422
13.3
21 Sep' 05
-1.21
14.79
13.33
8.75
13.45
13.16
13.29
13.06
 cagr
13
Q
Groww ELSS Tax Saver Fund-Reg(G)
18.90 46
8
28 Dec' 17
-5.73
9.72
8.36
N/A
11.24
13.04
12.83
N/A
 cagr
13
Q
Aditya Birla SL ELSS Tax Saver Fund(G)
60.47 13,117
10.5
10 Mar' 08
-0.69
12.22
7.04
8.62
11.88
12.65
13.38
13.45
 cagr
13
Q
Aditya Birla SL ELSS Tax Saver Fund(G)-LSP
60.47 13,117
10.4
10 Mar' 08
-0.69
12.22
7.04
8.62
11.88
12.65
13.38
13.45
 cagr
13
Q
UTI MEPUS
221.11 2,559
16.2
28 Mar' 03
-5.89
9.19
8.75
9.32
13.00
12.61
12.73
11.79
 cagr
13
Q
WOC ELSS Tax Saver Fund(G)-Direct Plan
17.90 403
18
14 Oct' 22
-4.65
16.26
N/A
N/A
23.77
21.43
N/A
N/A
 cagr
N/A
Q
WOC ELSS Tax Saver Fund-Reg(G)
16.86 403
16
14 Oct' 22
-4.65
16.26
N/A
N/A
21.72
19.41
N/A
N/A
 cagr
N/A
Q
360 ONE ELSS Tax Saver Nifty 50 Index Fund(G)-...
13.77 65
10.1
28 Dec' 22
-4.35
9.44
N/A
N/A
14.23
12.55
N/A
N/A
 cagr
N/A
Q
360 ONE ELSS Tax Saver Nifty 50 Index Fund-Reg...
13.66 65
9.8
28 Dec' 22
-4.35
9.44
N/A
N/A
13.94
12.27
N/A
N/A
 cagr
N/A
Q
Navi ELSS Tax Saver Nifty 50 Index Fund(G)-Dir...
14.73 101
13.3
20 Mar' 23
-5
8.62
N/A
N/A
13.17
10.57
N/A
N/A
 cagr
N/A
Q
Navi ELSS Tax Saver Nifty 50 Index Fund-Reg(G)
14.30 101
12.3
20 Mar' 23
-5
8.62
N/A
N/A
12.05
9.49
N/A
N/A
 cagr
N/A
Q
Samco ELSS Tax Saver Fund(G)-Direct Plan
12.89 97
7.9
22 Dec' 22
-7.89
3.69
N/A
N/A
9.71
7.93
N/A
N/A
 cagr
N/A
Q
Samco ELSS Tax Saver Fund-Reg(G)
12.29 97
6.4
22 Dec' 22
-7.89
3.69
N/A
N/A
8.15
6.40
N/A
N/A
 cagr
N/A
Q
NJ ELSS Tax Saver Scheme(G)-Direct Plan
14.37 295
13.6
16 Jun' 23
-6.31
N/A
N/A
N/A
11.62
N/A
N/A
N/A
 cagr
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Q
NJ ELSS Tax Saver Scheme-Reg(G)
13.66 295
11.6
16 Jun' 23
-6.31
N/A
N/A
N/A
9.65
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Q
Bajaj Finserv ELSS Tax Saver Fund(G)-Direct Pl...
11.36 71
11
29 Jan' 25
-4.97
N/A
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N/A
7.53
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N/A
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Q
Bajaj Finserv ELSS Tax Saver Fund-Reg(G)
11.12 71
9.1
29 Jan' 25
-4.97
N/A
N/A
N/A
5.68
N/A
N/A
N/A
 cagr
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Q
Zerodha ELSS Tax Saver Nifty LargeMidcap 250 I...
14.04 235
14.8
08 Nov' 23
-0.55
N/A
N/A
N/A
7.71
N/A
N/A
N/A
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Q

Categories:

Flexi Cap Funds Large Cap Funds Mid Cap Funds Small Cap Funds Multi Cap Funds Large & Mid Cap Funds Tax Saver Funds Index Funds ETF Funds Nifty Midcap 50 Nifty Midcap Select Nifty Midcap 100 Nifty Smallcap 250 Nifty Smallcap 50 NIFTY Smallcap 100 Nifty Microcap 250 Nifty Largemidcap 250 Nifty500 Multicap 50:25:25

Fund House (AMC):

Aditya Birla Axis BNP Paribas DSP Franklin HDFC ICICI Bandhan Invesco Kotak L&T Mirae Motilal PPFAS Quantum Nippon SBI Sundaram Tata UTI NAVI

FAQs

SIP refers to periodic investment in an MF. In this option, you commit to invest a pre-decided amount, at regular intervals, and you get allotted Units based on an MF’s NAV. E.g. Suppose you do an SIP of Rs. 1,000. If, for the 1st month its NAV is Rs. 15, you get 66.67 units. For the 2nd, the NAV is Rs. 25, so you get 40 units. For the 3rd, the NAV is Rs. 20, you get 50 units. At the end of 3 months, you have invested Rs. 3,000 and received 156.67 units at an average NAV of Rs. 19.2.

A Direct Plan means you investing directly thru' an AMC/MF website. As there is no Distributor involved, returns generated by this plan will be higher by the percentage fees paid to a Distributor. We, at MoneyWorks4me, encourage investors to invest in Direct Plans.

Regular Plan is when you invest in an MF scheme through a Distributor or Broker. This means you will end up paying some fees to the Distributor. The fees are directly paid by the AMC to a Distributor. For you as an investor, it is reflected in the lower NAV values, and higher Expense Ratio than a Direct Plan

It is the Fund House or the company responsible for managing investors’ money, and in turn, all the MF schemes.

The money collected by an MF Scheme is invested across asset classes like stocks, debt Funds, gold and cash. The market value of these investments at any given time minus the MF’s liabilities is known as the Fund’s AUM. (E.g. If a Fund’s value of investments is Rs. 100 Cr and liabilities Rs 5 Cr., then AUM is Rs. 95 Cr.) Though, a large AUM denotes a Fund’s popularity and success, it also means restrictions on investing (Fund will have to invest mainly in large companies) and difficulty in replicating past high return performance.

It is the price per unit of the MF scheme. On any given day, NAV is the price at which any investor invests in an MF scheme. NAV = [the market value of all the securities held by the scheme minus its liabilities] ÷ the number of units. Since, market value of securities changes every day, NAV of a scheme also changes every day. Similar to a stock price, a high or low NAV does not affect our investment decision.

A Benchmark is a popular index like the SENSEX, NIFTY or BSE 100, against which a Fund’s performance is gauged. A Fund is supposed to choose a Benchmark based upon the market-section it invests in. E.g. a Mid-Cap Fund may use NSE Midcap Index as its Benchmark. It makes sense to invest in an MF, only if it has consistently beaten its Benchmark performance over a 3-5 year period.

The Expense Ratio is the fee charged by a Mutual Fund for managing its investors’ money. It is shown as a percentage of the Assets Under Management (AUM). E.g. if you invest Rs. 10,000 in a Fund with an Expense Ratio of 1.5%, then you are paying the Fund Rs. 150 to manage your money. As a general rule, you are told to avoid Funds with high Expense Ratio. However, it can also turn to be a good investment, if it consistently generates excess returns (Alpha) over its Expense Ratio.

Load is the fees charged for buying (i.e. Entry load) and selling (i.e. Exit load) MF units. SEBI has scrapped the Entry load wef August 1, 2009. Some Funds may charge Investors an Exit load only on early exit (e.g. within a year of investment) to encourage long-term investment behaviour.

Rolling Returns consider performance on every day or week (or any specified frequency) of a defined period, and hence, tell you how you would have fared regardless of when you chose to invest. E.g. A monthly five-year Rolling Return is return from 1-Jan-2013 to 1-Jan-2018, 1-Feb-2013 to 1Feb-2018, subsequently for all months. For 3-yr or 2-yr rolling, the year changes respectively. We advise our users to look at Rolling Alpha, because it allows you to evaluate the consistency of a Fund’s performance over time - including the ups and downs of market cycles.

Choosing growth option means you will not receive extra units for Dividend declared by the Fund. Instead, the amount will stay invested in the Fund, thereby compounding your returns. Choose this option, if you prefer capital appreciation over regular income from your investment.

An Open-ended Fund or Scheme is one that is available for subscription and re-purchase on a continuous basis. These schemes do not have a fixed maturity period. Investors can conveniently buy and sell units at Net Asset Value (NAV) related prices which are declared on a daily basis. The key feature of open-end schemes is liquidity. The opposite is closed ended where the fund cannot be sold very easily.

Every fund is assessed on the following:
  1. Consistent Outperformers : Track record of having generated returns above a benchmark on a 3-year rolling basis. Consistent performers are Green, followed by Orange. Red have an inconsistent track record on outperforming the index.
  2. The average 3-year rolling returns number appears in the first button.
  3. Quality of Portfolio is assessed based on the quality of each stock held. Predominantly high quality stocks get a Green second button, followed by Orange and Red (large amount of risky stocks).
  4. Upside Potential: Every fund is assessed on what returns it could deliver in the next 5 years based on it.

Select the fund that is Green on Performance which shows it has consistently outperformed the index. Select one with a high average 3-year rolling returns - the number in the first button. And select one with a Green rating on Quality-the second button.

Use the Funds Screener and select the category. It shows the funds with Green on Performance and Quality right on the top. The ones with the higher average 3-year rolling returns are ranked the highest. Funds with less than 5 years returns history are colored Grey on Performance. Since the track record is not for an adequately long period they feature lower in the list.

Build a well-diversified portfolio with funds that assures you of a stable growth through market and economic cycles and funds that enhance your portfolio returns over the long run.
  1. Core Funds: Choose from Large cap, Large and Mid cap and Flexicap funds.
  2. Booster Funds
    1. Choose from Mid and Small cap funds.
    2. Select a Sector or Thematic Fund that is likely to outperform in the long term.

Use the Fund Portfolio Analyzer, Sher-ya-Billi to check if your portfolio will deliver healthy returns or disappoint you. Go to Fund Portfolio Analyzer. You can also upload details of your funds in the Portfolio Manager and see the report on this page.

When adding a new fund check how different is the fund compared to your portfolio by using the link in the Right allocation box on the Fund Decision Maker.

Most investors have more, many more funds that they should-over diversified. This tends to reduce returns. Many investors have more of the same i.e. they have funds that have very similar portfolios and hence the fund portfolio is not well-diversified. Either there are too many large cap dominated funds or far too many mid and small cap funds. What you require is a good, balanced mix. Finally investors don't know when to exit a fund and end up carrying it even though the future upside potential is very low.
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2026 ©The Alchemists Ark Pvt. Ltd. All rights reserved. MoneyWorks4Me® is a registered trademark of The Alchemists Ark Pvt. Ltd.

About MoneyWorks4Me

MoneyWorks4Me is a SEBI-registered Investment Adviser (IA) dedicated to helping investors build long-term wealth through transparent, research-driven, conflict-free guidance. Founded in 2008, we started our journey as a Research Analyst (RA), providing deep fundamental analysis, intrinsic value insights, and long-term investing frameworks for Indian equities. In 2017, we transitioned to a full-fledged SEBI-registered Investment Adviser, strengthening our commitment to acting as a fiduciary—always putting the investor’s interest first.

Our Vision

To become India’s most trusted, research-powered fiduciary advisory platform—where every investor, regardless of experience, can make calm, confident, and well-reasoned investment decisions.

What Makes MoneyWorks4Me Different

  • Fiduciary-first advisory model.
    As SEBI-registered IAs, we are legally and ethically bound to act in the best interests of our clients. We do not sell or distribute any financial products. This ensures our guidance is 100% unbiased and conflict-free.
  • Deep fundamental research + robust valuation discipline.
    Built on more than 15 years of equity research, our framework combines quality assessment, intrinsic value estimation, and a sensible margin-of-safety approach.
  • Process—not predictions.
    We don’t rely on guesswork or market timing. Instead, we focus on asset allocation, risk management, and long-term compounding.
  • Technology + Human Intelligence.
    We believe a combination of both is essential for investing success. We constantly innovate and upgrade in-house tools, financial X-rays, and portfolio analytics so that our team of analysts and advisors are equipped with the best.
  • Partner with Clients.
    We follow a DIWM (Do-It-With-Me) approach where we partner clients in setting goals, financial planning, educating on our investing process and share decision-enabling resources transparently with our clients who retain control on execution.

Our Approach: Ensuring compounding work its magic on client portfolio.

MoneyWorks4Me ensures this through:

  • Investing in stocks, mutual funds, debt, and gold
  • Quality-at-Reasonable-Price way of investing in stocks
  • Constructing Direct Stock Portfolios with Core, Booster, and Amplifier stocks
  • A Mutual Fund Portfolio that delivers consistent out-performance and meaningful diversification (low overlap)
  • Periodic review and rebalancing
  • Clear Buy-Sell-Hold, and Position-sizing frameworks
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