{"id":4237,"date":"2026-01-30T21:00:00","date_gmt":"2026-01-30T15:30:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=4237"},"modified":"2026-01-30T11:02:51","modified_gmt":"2026-01-30T05:32:51","slug":"opting-for-old-tax-regime-these-3-elss-funds-can-help-reduce-your-tax-in-2026","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/opting-for-old-tax-regime-these-3-elss-funds-can-help-reduce-your-tax-in-2026\/","title":{"rendered":"Opting for Old Tax Regime? These 3 ELSS Funds Can Help Reduce Your Tax in 2026"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em><strong>Synopsis<\/strong>: This article discusses the old and new income tax regimes and explains ELSS funds, their features, taxation, strategies, etc. The article also includes the Top 3 ELSS funds for 2026<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>As the 2026 tax year approaches, taxpayers are increasingly reconsidering their choices between the new and the old regimes. With rising incomes, volatile markets, and a growing emphasis on wealth creation along with tax efficiency, making informed investment decisions has never been more important. ELSS funds continue to be a very compelling option for individuals who opt for the old tax regime.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3917160585\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-old-tax-regime-vs-new-tax-regime\" style=\"font-size:22px\"><strong>Old Tax Regime vs New Tax Regime<\/strong><\/h2>\n\n\n<div id=\"footable_parent_4239\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"4239\" data-filter-delay=\"1000\" aria-label=\"ELSS Funds - ELSS Funds.csv\"            id=\"footable_4239\"\n           data-unique_identifier=\"ninja_table_unique_id_1592909714_4239\"\n           class=\" foo-table ninja_footable foo_table_4239 ninja_table_unique_id_1592909714_4239 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-elss-funds\" style=\"font-size:22px\"><strong>What Are ELSS Funds?<\/strong><\/h2>\n\n\n\n<p>Equity-Linked Savings Schemes (ELSS) are a type of mutual fund that primarily invests in equities and offers tax savings under Section 80C. It\u2019s an instrument where you can get the exposure of investing in equities at the same time, and save tax while doing it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-features\" style=\"font-size:22px\"><strong>Key Features<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mandatory lock-in period of 3 years.<\/li>\n\n\n\n<li>Suitable for long-term capital appreciation.<\/li>\n\n\n\n<li>Investments can be made either in a lump sum or through SIPs.<\/li>\n<\/ul>\n\n\n\n<p><strong>How it works:<\/strong> SEBI requires a minimum of&nbsp; 80% of the fund to be invested in equity instruments, and investors can invest in ELSS either through a lump sum or via Systematic Investment Plans (SIPs).&nbsp;<\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1321379812\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-types-of-elss-strategies\" style=\"font-size:22px\"><strong>Types of ELSS Strategies<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Large-cap oriented: <\/strong>Focuses on stable, well-established companies; generally lower volatility with steady returns.<\/li>\n\n\n\n<li><strong>Mid\/small-cap oriented: <\/strong>Invests in emerging and smaller companies; offers higher growth potential but comes with higher risk.<\/li>\n\n\n\n<li><strong>Balanced \/ Multi-cap: <\/strong>Diversified across large, mid, and small caps; aims to balance risk and return.<\/li>\n<\/ul>\n\n\n\n<p><strong>Tax Benefits: <\/strong>Under Section 80C, ELSS investments qualify for tax deduction up to \u20b9 1.5 lakh in a financial year. Additionally, up to \u20b9 1 lakh of long-term capital gains (LTCG) is exempted from tax per year, and additional gains over \u20b91 lakh are taxed at 10%.<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3863911057\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<p><strong>Ideal for:<\/strong> ELSS is ideal for young investors with a lengthy investment horizon ahead, who can benefit from the power of compounding. It\u2019s also suitable for mid-career investors. It is perfect for investors aiming to build long-term wealth while saving on taxes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-top-3-elss-funds\" style=\"font-size:22px\"><strong>Top 3 ELSS Funds<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-motilal-oswal-elss-tax-saver-fund-launched-in-2015\" style=\"font-size:20px\"><strong>1. Motilal Oswal ELSS Tax Saver Fund (Launched in 2015)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>AUM:<\/strong> \u20b94,341.48 crore.<\/li>\n\n\n\n<li><strong>Portfolio Composition:<\/strong> 96.97% of its portfolio is invested in equity\n<ul class=\"wp-block-list\">\n<li>Large-Cap: 15.54%,\u00a0<\/li>\n\n\n\n<li>Mid-Cap: 44.37%,\u00a0<\/li>\n\n\n\n<li>Small-Cap: 35.99%\u00a0\u00a0<\/li>\n\n\n\n<li>Others: 4.1%\u00a0<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Investment Strategy:<\/strong> Growth Focused. Holds its selections with confidence and occasionally makes changes to seize opportunities.<\/li>\n\n\n\n<li><strong>Performance:<\/strong>\n<ul class=\"wp-block-list\">\n<li>CAGR (since inception): 15.41%<\/li>\n\n\n\n<li>3-year returns: 22.46%<\/li>\n\n\n\n<li>5-year returns: 18.93%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Risk and Reward:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Standard Deviation = 18.99%<\/li>\n\n\n\n<li>Sharpe Ratio = 0.83\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Why consider it:<\/strong> This fund is ideal for investors seeking higher growth potential, who can handle short-term volatility, and who enjoy tax savings.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-sbi-elss-tax-saver-fund-launched-in-1993\" style=\"font-size:20px\"><strong>2. SBI ELSS Tax Saver Fund (Launched in 1993)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>AUM: <\/strong>\u20b932,608.80<\/li>\n\n\n\n<li><strong>Portfolio Composition:<\/strong> 92.06% of its portfolio is invested in equity.\n<ul class=\"wp-block-list\">\n<li>Large-Cap: 58.42%<\/li>\n\n\n\n<li>Mid-Cap: 19.2%<\/li>\n\n\n\n<li>Small-Cap: 13.18%<\/li>\n\n\n\n<li>Others: 9.2%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Investment Strategy:<\/strong> Value-Focused, Buy and Hold Approach.<\/li>\n\n\n\n<li><strong>Performance:<\/strong>\n<ul class=\"wp-block-list\">\n<li>CAGR (since inception): 12.22%<\/li>\n\n\n\n<li>3-year returns: 23.73%<\/li>\n\n\n\n<li>5-year returns: 20.63%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Risk and Reward:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Standard Deviation: 12.77%<\/li>\n\n\n\n<li>Sharpe Ratio: 1.26%<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Why consider it:<\/strong> It&#8217;s ideal for investors seeking a stable, diversified large-cap portfolio that delivers consistent performance and offers tax benefits.<\/p>\n<\/blockquote>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-also-read-from-1-lakh-to-2-8-lakh-why-budget-2026-may-boost-india-s-gold-reserve-fund\" style=\"font-size:16px\"><strong>Also read: <a href=\"https:\/\/tradebrains.in\/money\/from-1-lakh-to-2-8-lakh-why-budget-2026-may-boost-indias-gold-reserve-fund\/\" target=\"_blank\" rel=\"noreferrer noopener\">From \u20b91 Lakh to \u20b92.8 Lakh: Why Budget 2026 May Boost India\u2019s Gold Reserve Fund<\/a><\/strong><\/h4>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-hdfc-elss-tax-saver-fund-launched-in-1996\" style=\"font-size:20px\"><strong>3. HDFC ELSS Tax Saver Fund (Launched in 1996)<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>AUM: <\/strong>\u20b917,163.37\u00a0<\/li>\n\n\n\n<li><strong>Portfolio Composition:<\/strong> 97.99% invested in equity.\n<ul class=\"wp-block-list\">\n<li>Large-Cap: 82.7%<\/li>\n\n\n\n<li>Mid-Cap:\u00a0 6.06%\u00a0<\/li>\n\n\n\n<li>Small-Cap: 10.97%<\/li>\n\n\n\n<li>Others: 0.27%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Investment Strategy:<\/strong>\u00a0 Growth and Value-focused investing.<\/li>\n\n\n\n<li><strong>Performance:<\/strong>\n<ul class=\"wp-block-list\">\n<li>CAGR (since inception): 21.95%\u00a0<\/li>\n\n\n\n<li>3-year returns: 21.15%<\/li>\n\n\n\n<li>5-year returns:\u00a0 21.21%<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Risk and Reward:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Standard Deviation: 10.87%<\/li>\n\n\n\n<li>Sharpe Ratio: 1.24%<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Why consider it: <\/strong>This fund is good for investors looking for steady growth with lower volatility. It combines long-term wealth creation and tax efficiency.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\" style=\"font-size:22px\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>Choosing an income tax regime is no longer about tax slabs, but it is about personal financial goals. For investors who choose the Old tax regime, ELSS funds are the best option to build wealth while reducing tax liability. As the 2026 tax year is coming, investors should focus on selecting the right ELSS fund that aligns with their long-term financial goals.<\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3640206419\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Written by Nila Maria Jacob<\/strong><\/p>\n<\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: This article discusses the old and new income tax regimes and explains ELSS funds, their features, taxation, strategies, etc. The article also includes the Top 3 ELSS funds for 2026 As the 2026 tax year approaches, taxpayers are increasingly reconsidering their choices between the new and the old regimes. With rising incomes, volatile markets, [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":4245,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[11,14],"tags":[1676,1651,1677],"ppma_author":[1013],"class_list":["post-4237","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-taxation","category-trending","tag-elss-funds","tag-new-tax-regime","tag-old-tax-regime"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Opting for Old Tax Regime? These 3 ELSS Funds Can Help Reduce Your Tax in 2026<\/title>\n<meta name=\"description\" content=\"As the 2026 tax year approaches, taxpayers are increasingly reconsidering their choices between the new and the old regimes. 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