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ELSS (Equity Linked Savings Scheme) gives you tax benefits, a 3-year lock-in, and equity exposure - a simple way to start long-term investing.

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Invest in ELSS today on the Rise app.

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ELSS is a great option for beginners who want both tax savings and market exposure. The 3-year lock-in is also the shortest among tax-saving instruments under Section 80C, making it a smart choice for long-term wealth creation.

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Trader insight: ELSS demand is shifting because of India’s new tax regime.

  • Under the new tax regime, Section 80C tax deductions are not available, which reduces the main incentive for ELSS investments.
  • Investors now choose ELSS more for equity returns rather than tax saving.

“ELSS is slowly shifting from tax-saving product to a pure equity investment play.”

Top ELSS funds based on 5-year returns

HDFC ELSS Tax Saver Fund moves to the top with 21.14% returns, ranking 1st.

SBI ELSS Tax Saver Fund posts 20.93% returns, securing 2nd position.

Motilal Oswal ELSS Tax Saver Fund records 20.31% returns, ranked 3rd.

10-year performance trend

Motilal Oswal ELSS Tax Saver Fund ranks No. 1 over 10 years.

SBI ELSS Tax Saver Fund stands at No. 4.

HDFC ELSS Tax Saver Fund ranks No. 5.

This clearly shows that short-term leadership does not always translate into long-term dominance, making consistency and risk profile equally important.

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ELSS combines tax efficiency with the power of equities. With just a 3-year lock-in, it’s a beginner-friendly way to start building wealth while optimizing your tax planning.