Answered 20 June 2026
When it comes to investing in **ELSS (Equity Linked Savings Scheme)** for tax saving under Section 80C (applicable if you are using the Old Tax Regime), choosing the right app depends on what you value most—be it a clean interface, deep portfolio analytics, or automated tax-filing integration.
The top investment apps in India for ELSS investments feature **Direct Plans** (which have zero commission and lower expense ratios, saving you money over the long term).
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## Top Apps for ELSS Investments in India
### 1. Groww (Best for Beginners & Clean UX)
Groww remains one of the most popular platforms for mutual fund investments due to its minimalist design and easy navigation.
* **Pros:** Dedicated "Tax Saving" category that lets you compare top ELSS funds instantly; entirely paperless onboarding; easy to set up monthly SIPs or one-time lump-sum investments.
* **Fees:** ₹0 maintenance fees; offers purely **Direct Plans** (no hidden commissions).
### 2. Coin by Zerodha (Best for Long-Term Investors & Passives)
If you prefer viewing your mutual funds alongside your stocks in a single Demat account, Coin is an excellent choice. It has also been a pioneer in offering index-based ELSS options.
* **Pros:** Orders are held in Demat form, making it highly secure; supports automated step-up SIPs (which increase your investment amount annually); clean, distraction-free dashboard.
* **Fees:** Completely free to use with **Direct Plans**.
### 3. INDmoney (Best for Tax Planning & Portfolio Analytics)
INDmoney stands out if you want an app that actively tracks your overall financial health, net worth, and tax liabilities.
* **Pros:** Features a specialized **"Tax Saver" dashboard** that analyzes your income and tells you exactly how much more you need to invest to maximize your Section 80C benefits. It also lets you track external investments.
* **Fees:** Free for direct mutual fund investments.
### 4. Kuvera (Best for Advanced Features & Goal Planning)
Kuvera is highly favored by experienced investors who want a no-nonsense transactional platform packed with power-user features.
* **Pros:** Offers unique features like "Trade Smart" (which helps you optimize taxes during redemption) and family account management.
* **Fees:** ₹0 commissions, entirely focused on **Direct Plans**.
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## Top Performing ELSS Funds to Watch
When browsing these apps, look out for some of the top-performing ELSS funds that manage significant assets and have robust risk-adjusted track records:
| Fund Name | 3-Year Annualized Returns (Approx.) | 5-Year Annualized Returns (Approx.) | Fund Style / Risk Profile |
|:--- |:--- |:--- |:--- |
| **Motilal Oswal ELSS Tax Saver Fund** | ~24.2% | ~19.8% | High conviction, concentrated portfolio |
| **Quant ELSS Tax Saver Fund** | ~18.7% | ~17.7% | Dynamic, momentum & data-driven |
| **SBI ELSS Tax Saver Fund** | ~18.9% | ~17.6% | Massive AUM, stable & reliable large-cap bias |
| **HDFC ELSS Tax Saver Fund** | ~16.3% | ~17.1% | Value-oriented, well-diversified |
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> 💡 **Quick Tax-Saving Reminders:**
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