Table of Contents
ইএলএসএস তহবিল ইক্যুইটি লিঙ্কড সেভিংস স্কিম নামেও পরিচিত একটি ইক্যুইটি-বৈচিত্রপূর্ণ কর সাশ্রয়কারী মিউচুয়াল ফান্ড যা প্রধানত এর সম্পদগুলিতে বিনিয়োগ করেইক্যুইটি বা শেয়ার বাজারের মত ইক্যুইটি-সংযুক্ত যন্ত্র। ইএলএসএসযৌথ পুঁজি অফারবাজার-সংযুক্ত রিটার্ন, যা অস্থির এবং বাজারের অবস্থার উপর নির্ভরশীল। যাহোক,আর্থিক উপদেষ্টা পরামর্শবিনিয়োগ দীর্ঘ সময়ের জন্য ELSS তহবিলে, কারণ এই ELSS মিউচুয়াল ফান্ডগুলি দীর্ঘ সময়ের জন্য বিনিয়োগ করলে সর্বোত্তম রিটার্ন দেয়। সাম্প্রতিক প্রতিবেদনে, এটি দেখা গেছে যে ELSS তহবিলগুলি 3 বছরের জন্য বিনিয়োগ করার সময় প্রায় 20%-30% রিটার্ন জেনারেট করেছে, যা অন্যান্য মিউচুয়াল ফান্ড দ্বারা উত্পন্ন রিটার্নের চেয়ে অনেক বেশি।
ELSS এবং অন্যান্য কর সাশ্রয়ের তুলনা মেয়াদ, রিটার্ন, যোগ্যতার মতো পরামিতিগুলির উপর ভিত্তি করেডিডাকশন অধীন80c, ইত্যাদি
চল একটু দেখি:
প্যারামিটার | পিপিএফ | NSC | FD | ইএলএসএস |
---|---|---|---|---|
মেয়াদ | 15 বছর | 6 বছর | 5 বছর | 3 বছর |
রিটার্নস | 7.60 % (বার্ষিক চক্রবৃদ্ধি) | 7.60 % (বার্ষিক চক্রবৃদ্ধি) | 7.00 - 8.00 % (বার্ষিক চক্রবৃদ্ধি) | কোনো নিশ্চিত লভ্যাংশ/রিটার্ন নেই কারণ এটি বাজার সংযুক্ত |
মিন. বিনিয়োগ | রুপি 500 | রুপি 100 | রুপি 1000 | রুপি 500 |
সর্বোচ্চ বিনিয়োগ | রুপি ১.৫ লাখ | কোন উচ্চ সীমা | কোন উচ্চ সীমা | কোন উচ্চ সীমা |
80c-এর নিচে কাটার জন্য যোগ্য পরিমাণ | রুপি ১.৫ লাখ | রুপি ১.৫ লাখ | রুপি ১.৫ লাখ | রুপি ১.৫ লাখ |
সুদ/রিটার্নের জন্য কর | করমুক্ত | সুদ করযোগ্য | সুদ করযোগ্য | 1 লক্ষ টাকা পর্যন্ত লাভ করমুক্ত। 1 লক্ষ টাকার উপরে লাভের ক্ষেত্রে 10% ট্যাক্স প্রযোজ্য |
নিরাপত্তা/রেটিং | নিরাপদ | নিরাপদ | নিরাপদ | ঝুঁকি |
নীচে নীট সম্পদ/AUM থাকা তহবিলের তালিকা রয়েছে100 - 200 কোটি
.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) JM Tax Gain Fund Growth ₹47.4414
↑ 0.37 ₹199 6.8 -2.3 -0.8 25.3 25.2 29 BOI AXA Tax Advantage Fund Growth ₹158.54
↑ 1.84 ₹1,398 7.5 -6.6 -7.4 24 25.2 21.6 BNP Paribas Long Term Equity Fund (ELSS) Growth ₹94.0481
↑ 0.88 ₹912 8.1 -0.7 5.1 22.9 20.7 23.6 Edelweiss Long Term Equity Fund Growth ₹109.77
↑ 1.52 ₹412 10 1 3.6 21.8 21.9 20 LIC MF Tax Plan Growth ₹152.583
↑ 1.36 ₹1,113 5.5 0.8 4.7 21 21.1 22.6 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Jun 25
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The investment objective is to generate long-term capital growth from a diversified and actively managed portfolio of equity and equity related securities and to enable investors a deduction from total income, as permitted under the Income Tax Act, 1961 from time to time. However, there can be no assurance that the investment objectives of the Scheme will be realized. The Scheme does not guarantee/indicate any returns. JM Tax Gain Fund is a Equity - ELSS fund was launched on 31 Mar 08. It is a fund with Moderately High risk and has given a Below is the key information for JM Tax Gain Fund Returns up to 1 year are on The Scheme seeks to generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities across all market capitalisations. The Scheme is in the nature of diversified multi-cap fund. The Scheme is not providing any assured or guaranteed returns.(There can be no assurance that the investment objectives of the Scheme will be realized.) BOI AXA Tax Advantage Fund is a Equity - ELSS fund was launched on 25 Feb 09. It is a fund with Moderately High risk and has given a Below is the key information for BOI AXA Tax Advantage Fund Returns up to 1 year are on The investment objective of the Scheme is to generate long-term capital growth from a diversified and actively managed portfolio of equity and equity related securities along with income tax rebate, as may be prevalent fromtime to time. However, there can be no assurance that the investment objective of the Scheme will be achieved. The Scheme does not guarantee / indicate any returns. BNP Paribas Long Term Equity Fund (ELSS) is a Equity - ELSS fund was launched on 5 Jan 06. It is a fund with Moderately High risk and has given a Below is the key information for BNP Paribas Long Term Equity Fund (ELSS) Returns up to 1 year are on (Erstwhile Edelweiss ELSS Fund) The primary objective of the scheme is to generate long-term capital appreciation with an option of periodic payouts at the end of lock in periods from a portfolio that invests predominantly in equity and equity related instruments. Edelweiss Long Term Equity Fund is a Equity - ELSS fund was launched on 30 Dec 08. It is a fund with Moderately High risk and has given a Below is the key information for Edelweiss Long Term Equity Fund Returns up to 1 year are on The investment objective of the scheme is to provide capital growth along with tax rebate and tax relief to our investors through prudent investments in the stock markets. However, there is no assurance that the investment objective of the Scheme will be realised. LIC MF Tax Plan is a Equity - ELSS fund was launched on 3 Feb 99. It is a fund with Moderately High risk and has given a Below is the key information for LIC MF Tax Plan Returns up to 1 year are on 1. JM Tax Gain Fund
CAGR/Annualized
return of 9.5% since its launch. Ranked 18 in ELSS
category. Return for 2024 was 29% , 2023 was 30.9% and 2022 was 0.5% . JM Tax Gain Fund
Growth Launch Date 31 Mar 08 NAV (20 Jun 25) ₹47.4414 ↑ 0.37 (0.79 %) Net Assets (Cr) ₹199 on 31 May 25 Category Equity - ELSS AMC JM Financial Asset Management Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 2.4 Sharpe Ratio 0.04 Information Ratio 0.52 Alpha Ratio -2.44 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹17,163 31 May 22 ₹18,477 31 May 23 ₹21,370 31 May 24 ₹31,000 31 May 25 ₹32,810 Returns for JM Tax Gain Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Jun 25 Duration Returns 1 Month 2.4% 3 Month 6.8% 6 Month -2.3% 1 Year -0.8% 3 Year 25.3% 5 Year 25.2% 10 Year 15 Year Since launch 9.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 29% 2023 30.9% 2022 0.5% 2021 32.2% 2020 18.3% 2019 14.9% 2018 -4.6% 2017 42.6% 2016 5.2% 2015 -0.6% Fund Manager information for JM Tax Gain Fund
Name Since Tenure Satish Ramanathan 1 Oct 24 0.66 Yr. Asit Bhandarkar 31 Dec 21 3.42 Yr. Ruchi Fozdar 4 Oct 24 0.66 Yr. Deepak Gupta 11 Apr 25 0.14 Yr. Data below for JM Tax Gain Fund as on 31 May 25
Equity Sector Allocation
Sector Value Financial Services 29% Consumer Cyclical 13.65% Basic Materials 13.62% Industrials 11.55% Technology 9.09% Health Care 8.2% Consumer Defensive 5.61% Communication Services 3.03% Utility 1.22% Energy 1.12% Real Estate 1.02% Asset Allocation
Asset Class Value Cash 2.89% Equity 97.11% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | ICICIBANK6% ₹11 Cr 77,975 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 10 | LT5% ₹10 Cr 28,947
↑ 14,500 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 11 | HDFCBANK5% ₹9 Cr 49,131 Infosys Ltd (Technology)
Equity, Since 31 Aug 18 | INFY4% ₹7 Cr 45,965 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | MARUTI3% ₹6 Cr 4,706 State Bank of India (Financial Services)
Equity, Since 31 Aug 20 | SBIN3% ₹6 Cr 72,900 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Mar 24 | BHARTIARTL3% ₹6 Cr 30,700 Bajaj Auto Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | 5329773% ₹5 Cr 6,300
↓ -1,000 CreditAccess Grameen Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Oct 24 | CREDITACC3% ₹5 Cr 43,600 OneSource Specialty Pharma Ltd (Healthcare)
Equity, Since 31 Jan 25 | ONESOURCE2% ₹5 Cr 28,195 2. BOI AXA Tax Advantage Fund
CAGR/Annualized
return of 18.5% since its launch. Ranked 13 in ELSS
category. Return for 2024 was 21.6% , 2023 was 34.8% and 2022 was -1.3% . BOI AXA Tax Advantage Fund
Growth Launch Date 25 Feb 09 NAV (20 Jun 25) ₹158.54 ↑ 1.84 (1.17 %) Net Assets (Cr) ₹1,398 on 31 May 25 Category Equity - ELSS AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 2.37 Sharpe Ratio -0.27 Information Ratio 0.4 Alpha Ratio -9.18 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹17,501 31 May 22 ₹18,420 31 May 23 ₹21,380 31 May 24 ₹32,943 31 May 25 ₹32,512 Returns for BOI AXA Tax Advantage Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Jun 25 Duration Returns 1 Month 0.9% 3 Month 7.5% 6 Month -6.6% 1 Year -7.4% 3 Year 24% 5 Year 25.2% 10 Year 15 Year Since launch 18.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 21.6% 2023 34.8% 2022 -1.3% 2021 41.5% 2020 31.2% 2019 14.6% 2018 -16.3% 2017 57.7% 2016 -1.2% 2015 2.1% Fund Manager information for BOI AXA Tax Advantage Fund
Name Since Tenure Alok Singh 27 Apr 22 3.1 Yr. Data below for BOI AXA Tax Advantage Fund as on 31 May 25
Equity Sector Allocation
Sector Value Financial Services 27.55% Industrials 17.65% Basic Materials 15.91% Technology 8.64% Utility 6.77% Consumer Defensive 5.29% Consumer Cyclical 5.17% Health Care 3.9% Communication Services 2.62% Real Estate 2.61% Energy 1.44% Asset Allocation
Asset Class Value Cash 1.5% Equity 98.5% Debt 0.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK5% ₹68 Cr 355,000 State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN5% ₹66 Cr 839,000 Vedanta Ltd (Basic Materials)
Equity, Since 31 Mar 24 | 5002954% ₹59 Cr 1,412,000 Coforge Ltd (Technology)
Equity, Since 30 Jun 23 | COFORGE4% ₹48 Cr 65,600 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 23 | HAL4% ₹47 Cr 105,000
↑ 19,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK4% ₹47 Cr 329,000
↑ 24,000 Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Dec 23 | DIXON3% ₹39 Cr 24,000 Ami Organics Ltd (Basic Materials)
Equity, Since 31 May 24 | 5433493% ₹36 Cr 317,800 Coromandel International Ltd (Basic Materials)
Equity, Since 31 Jan 23 | 5063953% ₹35 Cr 157,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 24 | BHARTIARTL3% ₹35 Cr 186,000
↑ 35,000 3. BNP Paribas Long Term Equity Fund (ELSS)
CAGR/Annualized
return of 12.2% since its launch. Ranked 22 in ELSS
category. Return for 2024 was 23.6% , 2023 was 31.3% and 2022 was -2.1% . BNP Paribas Long Term Equity Fund (ELSS)
Growth Launch Date 5 Jan 06 NAV (20 Jun 25) ₹94.0481 ↑ 0.88 (0.94 %) Net Assets (Cr) ₹912 on 31 May 25 Category Equity - ELSS AMC BNP Paribas Asset Mgmt India Pvt. Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 2.29 Sharpe Ratio 0.24 Information Ratio 0.3 Alpha Ratio 0.76 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹15,407 31 May 22 ₹15,618 31 May 23 ₹17,419 31 May 24 ₹24,435 31 May 25 ₹26,806 Returns for BNP Paribas Long Term Equity Fund (ELSS)
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Jun 25 Duration Returns 1 Month 2.3% 3 Month 8.1% 6 Month -0.7% 1 Year 5.1% 3 Year 22.9% 5 Year 20.7% 10 Year 15 Year Since launch 12.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 23.6% 2023 31.3% 2022 -2.1% 2021 23.6% 2020 17.8% 2019 14.3% 2018 -9.3% 2017 42.3% 2016 -6.6% 2015 7.7% Fund Manager information for BNP Paribas Long Term Equity Fund (ELSS)
Name Since Tenure Sanjay Chawla 14 Mar 22 3.22 Yr. Pratish Krishnan 14 Mar 22 3.22 Yr. Data below for BNP Paribas Long Term Equity Fund (ELSS) as on 31 May 25
Equity Sector Allocation
Sector Value Financial Services 29.59% Industrials 11.15% Consumer Cyclical 9.94% Technology 9.44% Health Care 8.21% Basic Materials 7.12% Consumer Defensive 7.07% Energy 4.5% Utility 3.31% Communication Services 3.21% Asset Allocation
Asset Class Value Cash 6.44% Equity 93.56% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK7% ₹63 Cr 328,160 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 12 | ICICIBANK7% ₹59 Cr 411,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 18 | RELIANCE5% ₹40 Cr 284,200 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 19 | BHARTIARTL3% ₹28 Cr 152,566
↓ -8,000 Infosys Ltd (Technology)
Equity, Since 29 Feb 24 | INFY3% ₹26 Cr 173,000
↑ 20,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Dec 24 | KOTAKBANK3% ₹23 Cr 104,000 Hitachi Energy India Ltd Ordinary Shares (Industrials)
Equity, Since 31 Aug 23 | POWERINDIA2% ₹21 Cr 14,266 Max Financial Services Ltd (Financial Services)
Equity, Since 30 Apr 24 | 5002712% ₹21 Cr 158,000 State Bank of India (Financial Services)
Equity, Since 31 Mar 22 | SBIN2% ₹19 Cr 243,000 Sagility India Ltd (Healthcare)
Equity, Since 30 Nov 24 | SAGILITY2% ₹19 Cr 4,551,400 4. Edelweiss Long Term Equity Fund
CAGR/Annualized
return of 15.7% since its launch. Ranked 25 in ELSS
category. Return for 2024 was 20% , 2023 was 26.8% and 2022 was -0.1% . Edelweiss Long Term Equity Fund
Growth Launch Date 30 Dec 08 NAV (20 Jun 25) ₹109.77 ↑ 1.52 (1.40 %) Net Assets (Cr) ₹412 on 31 May 25 Category Equity - ELSS AMC Edelweiss Asset Management Limited Rating ☆☆ Risk Moderately High Expense Ratio 2.33 Sharpe Ratio 0.17 Information Ratio -0.25 Alpha Ratio -0.42 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹16,081 31 May 22 ₹17,141 31 May 23 ₹19,391 31 May 24 ₹25,752 31 May 25 ₹27,949 Returns for Edelweiss Long Term Equity Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Jun 25 Duration Returns 1 Month 3.1% 3 Month 10% 6 Month 1% 1 Year 3.6% 3 Year 21.8% 5 Year 21.9% 10 Year 15 Year Since launch 15.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 20% 2023 26.8% 2022 -0.1% 2021 30.4% 2020 13.7% 2019 9.2% 2018 -9.1% 2017 37.7% 2016 -1.1% 2015 6.7% Fund Manager information for Edelweiss Long Term Equity Fund
Name Since Tenure Ashwani Agarwalla 1 Aug 23 1.83 Yr. Trideep Bhattacharya 1 Aug 23 1.83 Yr. Raj Koradia 1 Aug 24 0.83 Yr. Data below for Edelweiss Long Term Equity Fund as on 31 May 25
Equity Sector Allocation
Sector Value Financial Services 38.19% Technology 10.39% Health Care 8.85% Industrials 8.62% Consumer Cyclical 7.56% Energy 5.86% Consumer Defensive 5.26% Basic Materials 4.28% Communication Services 3.96% Utility 2.4% Real Estate 1.4% Asset Allocation
Asset Class Value Cash 3.06% Equity 96.94% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 10 | HDFCBANK8% ₹31 Cr 160,598
↑ 15,319 ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 17 | ICICIBANK6% ₹23 Cr 163,216 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 15 | RELIANCE5% ₹20 Cr 139,249 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 19 | BHARTIARTL4% ₹16 Cr 84,003
↑ 10,588 State Bank of India (Financial Services)
Equity, Since 31 May 18 | SBIN3% ₹12 Cr 149,214 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 15 | LT3% ₹11 Cr 33,431 Infosys Ltd (Technology)
Equity, Since 31 Jul 15 | INFY2% ₹9 Cr 59,889
↓ -7,798 BSE Ltd (Financial Services)
Equity, Since 31 Mar 24 | BSE2% ₹9 Cr 13,617 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Mar 25 | KOTAKBANK2% ₹8 Cr 38,039
↑ 4,491 Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | 5322152% ₹8 Cr 69,282 5. LIC MF Tax Plan
CAGR/Annualized
return of 11.2% since its launch. Ranked 35 in ELSS
category. Return for 2024 was 22.6% , 2023 was 26.3% and 2022 was -1.6% . LIC MF Tax Plan
Growth Launch Date 3 Feb 99 NAV (20 Jun 25) ₹152.583 ↑ 1.36 (0.90 %) Net Assets (Cr) ₹1,113 on 31 May 25 Category Equity - ELSS AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating ☆ Risk Moderately High Expense Ratio 2.11 Sharpe Ratio 0.32 Information Ratio -0.19 Alpha Ratio 2.25 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 May 20 ₹10,000 31 May 21 ₹15,639 31 May 22 ₹16,869 31 May 23 ₹19,205 31 May 24 ₹24,451 31 May 25 ₹27,229 Returns for LIC MF Tax Plan
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 20 Jun 25 Duration Returns 1 Month 1.5% 3 Month 5.5% 6 Month 0.8% 1 Year 4.7% 3 Year 21% 5 Year 21.1% 10 Year 15 Year Since launch 11.2% Historical performance (Yearly) on absolute basis
Year Returns 2024 22.6% 2023 26.3% 2022 -1.6% 2021 26.2% 2020 8.9% 2019 11.9% 2018 -1.1% 2017 37.3% 2016 3.3% 2015 -3% Fund Manager information for LIC MF Tax Plan
Name Since Tenure Yogesh Patil 1 Jul 24 0.92 Yr. Dikshit Mittal 31 Jul 23 1.84 Yr. Data below for LIC MF Tax Plan as on 31 May 25
Equity Sector Allocation
Sector Value Financial Services 30.06% Consumer Cyclical 17.77% Industrials 15.58% Consumer Defensive 9.78% Technology 7.13% Basic Materials 6.54% Health Care 5.87% Energy 1.97% Communication Services 1.25% Real Estate 0.23% Asset Allocation
Asset Class Value Cash 3.83% Equity 96.17% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 14 | HDFCBANK8% ₹89 Cr 458,211 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 18 | ICICIBANK8% ₹87 Cr 604,329
↓ -76,639 Shakti Pumps (India) Ltd (Industrials)
Equity, Since 31 Mar 24 | SHAKTIPUMP5% ₹59 Cr 690,417 Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 21 | AXISBANK4% ₹41 Cr 342,519
↑ 91,740 Cholamandalam Investment and Finance Co Ltd (Financial Services)
Equity, Since 30 Jun 22 | CHOLAFIN3% ₹34 Cr 210,855 State Bank of India (Financial Services)
Equity, Since 31 May 23 | SBIN2% ₹26 Cr 320,605
↓ -139,970 Trent Ltd (Consumer Cyclical)
Equity, Since 31 Mar 20 | TRENT2% ₹25 Cr 45,143
↓ -14,180 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Jul 23 | LT2% ₹25 Cr 68,942 Infosys Ltd (Technology)
Equity, Since 31 Oct 14 | INFY2% ₹24 Cr 151,614 Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 23 | RELIANCE2% ₹22 Cr 154,364
বিভিন্ন আছেট্যাক্স সেভিং ইনভেস্টমেন্ট ভারতের বিকল্পগুলির মধ্যে ELSS হল সেরা বিকল্পগুলির মধ্যে একটি৷ কিভাবে? এখানে কিছু কারণ উল্লেখ করা হলো।
অন্যান্য কর সাশ্রয়ী বিনিয়োগের মধ্যে ELSS তহবিলগুলি স্টক মার্কেটে সর্বাধিক সংখ্যক সম্পদ বরাদ্দ করে। সুতরাং, এই তহবিল সেরা উপার্জনমুদ্রাস্ফীতি- মারধর ফিরে আসে সবার মধ্যে। যদি দীর্ঘ সময়ের জন্য বিনিয়োগ করা হয়, তাহলে ELSS-এর রিটার্নের হার অন্যান্য ঐতিহ্যবাহী ঋণ-ভিত্তিক বিনিয়োগের আয়কে সহজেই হারাতে পারে। তাই, ELSS মিউচুয়াল ফান্ড বিনিয়োগকারীদের উভয় বিশ্বের সেরা- উচ্চ রিটার্ন এবং ট্যাক্স সুবিধা প্রদান করে।
ELSS মিউচুয়াল ফান্ডের প্রথাগত ট্যাক্স সেভিং ইনভেস্টমেন্ট অপশনের তুলনায় একটি ছোট লক-ইন পিরিয়ড থাকে। ELSS তহবিলের লক-ইন সময়কাল 3 বছর এবং পিপিএফের 15 বছর এবং এরএনপিএস পর্যন্ত হয়অবসর. সুতরাং, ELSS-এ বিনিয়োগ করে আপনার অর্থ দীর্ঘ সময়ের জন্য লক হয়ে যায় না এবং লক-ইন শেষ হওয়ার পরেই আপনি বিনিয়োগ বন্ধ করতে পারেন।
ELSS মিউচুয়াল ফান্ডের নমনীয়তা অন্যান্য সমস্ত কর সাশ্রয়ী বিনিয়োগের চেয়ে অনেক বেশি। ঐতিহ্যগত বিনিয়োগের বিপরীতে, শুধুমাত্র এক ধরনের বিকল্পে বিনিয়োগের প্রয়োজন নেই। ELSS তহবিল আপনাকে বিভিন্ন ধরণের বিনিয়োগের মাধ্যমে আপনার পোর্টফোলিওকে বৈচিত্র্যময় করতে সক্ষম করে। এছাড়াও, লক-ইন পিরিয়ড শেষ হওয়ার পরেও বিনিয়োগকারীরা এই তহবিলে বিনিয়োগ করতে পারেন। সুতরাং, একবার লক-ইন শেষ হয়ে গেলে, আপনি সহজেই বিনিয়োগ করা বা আপনার সুবিধা অনুযায়ী রিডিম করা বেছে নিতে পারেন।
উপসংহারে, ELSS ফান্ডে বিনিয়োগকারী বিনিয়োগকারীদের জন্য এখানে কয়েকটি টিপস রয়েছে।