Table of Contents
ELSS vs Tax Saving FD
Equity Linked Savings Scheme or ELSS
Equity linked savings scheme or ELSS is the only Mutual Fund eligible for 80C deductions. ELSS is a diversified equity mutual fund that offers tax deductions up to Rs. 1.5 lakhs annually under Section 80C of Income Tax Act (IT Act 1961).
Prior to the introduction of Feburary Budget 2018, its returns were completely tax-free. However, now it is subject to 10% long-term capital gains tax if your capital gains exceed Rs. 1 lakh after one year. Even after the 10% tax cut, ELSS has the potential to deliver superior returns compared to other tax-saving instruments. The perks of ELSS investments are not limited to the taxes saved. The Power of Compounding ensures that your investment is doubled if you invest for, say, 5 years (tenure of tax-saving FD). To add to that, the minimum lock-in period is only 3 years.
Tax Saving Fixed Deposits
Investing money in Fixed Deposits with banks allows individuals and HUFs to claim a tax deduction of up to ₹1,50,000 in a financial year. These deposits have a lock-in period of 5 years. You, however, cannot withdraw this deposit prematurely. But you can avail loans against your FDs at competitive rates. The interest earned on these deposits, however, is taxable marginal rate of tax (as per the tax bracket) of the individual.
Highlights of Tax Saver FD
Let us look at the key highlights of the tax saver FD -
- Only individuals and members of Hindu undivided family (HUF) can invest in the tax saving FD scheme
- The minimum investment amount of the tax saver FD varies from bank to bank
- The lock-in period of the tax saving FD is five years
- You can get tax deductions up to INR 1,50,000
- There is no provision for premature withdrawal
- You cannot apply for loan against these tax saver FD
- Investment in these tax saver FDs can be done in any private or public sector bank (except co-operative and rural banks)
- Investment made in Post Office Time Deposit for the period of over five years also qualifies as tax saving FD
- You can transfer the Post Office FD from one Post Office to another
- The interest earned from this type of FD is taxable and will be deducted from the source
- Tax saving deposit account can be opened individually as well as jointly.
- In case of a joint account, the tax benefit will be enjoyed by the first holder of the joint account
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ELSS vs FD - Comparison
Here is a quick overview of the of the differences between ELSS and Tax Saving FDs over various parameters:
| Parameter | FD | ELSS |
|---|---|---|
| Tenure | 5 Years Lock-in | 3 years Lock-in |
| Returns | 7.00 - 8.00 % (Compounded Annually) | No Assured Divividend / Return as it market linked generally around 16 - 17% per annum |
| Min. Investment | Rs. 1000 | Rs. 500 |
| Max. Investment | No Upper Limit | No Upper Limit |
| Amount Eligible for Deduction under 80c | Rs. 1.5 Lakhs | Rs. 1.5 Lakhs |
| Taxation for Interest/return | Interest Taxable | Gains up to INR 1 lakh are free of tax. Tax at 10% applies to gains above INR 1 lakh |
| Safety/Ratings | Safe | Bit Risky |
| liquidity | You cannot withdraw tax saving FD before 5 years | You may exit or withdraw ELSS after 3 years. |
| Online option | Not all banks offer an online facility to open an FD | One can start an ELSS online – as a lump sum or SIP |
Top ELSS Mutual Funds FY 19 - 20
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2018 (%) Mirae Asset Tax Saver Fund Growth ₹18.624
↑ 0.08 ₹2,465 9.6 11.7 13.9 17.3 -2.3 Motilal Oswal Long Term Equity Fund Growth ₹18.548
↑ 0.01 ₹1,500 14.1 13.9 14.8 15.1 -8.7 LIC MF Tax Plan Growth ₹71.8221
↑ 0.36 ₹244 10.9 13.7 15.4 14.3 9.1 -1.1 Tata India Tax Savings Fund Growth ₹18.9365
↑ 0.14 ₹1,919 9 9.1 14.5 14.1 12.3 -8.4 Canara Robeco Equity Tax Saver Growth ₹67.66
↑ 0.30 ₹965 9.5 8.3 12.7 13.9 8.6 2.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 15 Nov 19
*Below is the list of funds having AUM between 100 - 15000 Crore & having fund age of 3 Years of above. Based on 3 Year Performance.
The investment objective of the scheme is to generate long term capital appreciation from a diversified portfolio of predominantly equity and equity related instruments. The Scheme does not guarantee or assure any returns. Mirae Asset Tax Saver Fund is a Equity - ELSS fund was launched on 28 Dec 15. It is a fund with Moderately High risk and has given a Below is the key information for Mirae Asset Tax Saver Fund Returns up to 1 year are on (Erstwhile Motilal Oswal MOSt Focused Long Term Fund) The investment objective of the Scheme is to generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related instruments. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved. Motilal Oswal Long Term Equity Fund is a Equity - ELSS fund was launched on 21 Jan 15. It is a fund with Moderately High risk and has given a Below is the key information for Motilal Oswal 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 To provide medium to long term capital gains along with income tax relief to its Unitholders, while at all times emphasising the importance of capital appreciation.. Tata India Tax Savings Fund is a Equity - ELSS fund was launched on 13 Oct 14. It is a fund with Moderately High risk and has given a Below is the key information for Tata India Tax Savings Fund Returns up to 1 year are on (ELSS Scheme) Seeking to provide long term capital appreciation by predominantly investing in equities and to facilitate the subscribers to seek tax benefits as provided under Section 80 C of the Income Tax Act, 1961. However, there can be no assurance that the investment objective of
the scheme will be realized. Canara Robeco Equity Tax Saver is a Equity - ELSS fund was launched on 2 Feb 09. It is a fund with Moderately High risk and has given a Below is the key information for Canara Robeco Equity Tax Saver Returns up to 1 year are on 1. Mirae Asset Tax Saver Fund
CAGR/Annualized return of 17.4% since its launch. Return for 2018 was -2.3% , 2017 was 47.9% and 2016 was 14.8% . Mirae Asset Tax Saver Fund
Growth Launch Date 28 Dec 15 NAV (15 Nov 19) ₹18.624 ↑ 0.08 (0.45 %) Net Assets (Cr) ₹2,465 on 30 Sep 19 Category Equity - ELSS AMC Mirae Asset Global Inv (India) Pvt. Ltd Rating Risk Moderately High Expense Ratio 2.45 Sharpe Ratio 0.51 Information Ratio 1.1 Alpha Ratio 4.22 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Oct 16 ₹12,391 31 Oct 17 ₹16,082 31 Oct 18 ₹15,863 31 Oct 19 ₹18,437 Returns for Mirae Asset Tax Saver Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Nov 19 Duration Returns 1 Month 6.7% 3 Month 9.6% 6 Month 11.7% 1 Year 13.9% 3 Year 17.3% 5 Year 10 Year 15 Year Since launch 17.4% Historical performance (Yearly) on absolute basis
Year Returns 2018 -2.3% 2017 47.9% 2016 14.8% 2015 2014 2013 2012 2011 2010 2009 Fund Manager information for Mirae Asset Tax Saver Fund
Name Since Tenure Neelesh Surana 28 Dec 15 3.26 Yr. Data below for Mirae Asset Tax Saver Fund as on 30 Sep 19
Equity Sector Allocation
Sector Value Financial Services 36.63% Consumer Cyclical 10.86% Consumer Defensive 9.75% Health Care 7.99% Energy 7.87% Technology 7.82% Industrials 6.5% Basic Materials 6.06% Utility 4.03% Communication Services 1.73% Asset Allocation
Asset Class Value Cash 0.74% Equity 99.26% Other 0% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | HDFCBANK10% ₹247 Cr 2,009,876
↑ 167,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | ICICIBANK6% ₹156 Cr 3,604,412 Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 15 | RELIANCE5% ₹125 Cr 939,876
↑ 80,000 State Bank of India (Financial Services)
Equity, Since 31 Dec 15 | SBIN5% ₹114 Cr 4,198,799
↑ 823,026 ITC Ltd (Consumer Defensive)
Equity, Since 30 Apr 16 | ITC4% ₹106 Cr 4,071,794
↑ 626,919 Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 18 | 5322154% ₹98 Cr 1,431,338 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Aug 16 | LT4% ₹91 Cr 617,880
↑ 85,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Dec 15 | TCS4% ₹90 Cr 427,179
↑ 48,204 IndusInd Bank Ltd (Financial Services)
Equity, Since 29 Feb 16 | INDUSINDBK3% ₹84 Cr 607,689 Infosys Ltd (Technology)
Equity, Since 31 Dec 15 | INFY3% ₹80 Cr 995,437
↑ 70,000 2. Motilal Oswal Long Term Equity Fund
CAGR/Annualized return of 13.7% since its launch. Return for 2018 was -8.7% , 2017 was 44% and 2016 was 12.5% . Motilal Oswal Long Term Equity Fund
Growth Launch Date 21 Jan 15 NAV (15 Nov 19) ₹18.548 ↑ 0.01 (0.08 %) Net Assets (Cr) ₹1,500 on 30 Sep 19 Category Equity - ELSS AMC Motilal Oswal Asset Management Co. Ltd Rating Risk Moderately High Expense Ratio 2.76 Sharpe Ratio 0.32 Information Ratio 0.17 Alpha Ratio 3.8 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Oct 15 ₹10,629 31 Oct 16 ₹12,992 31 Oct 17 ₹16,405 31 Oct 18 ₹15,127 31 Oct 19 ₹17,800 Returns for Motilal Oswal Long Term Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Nov 19 Duration Returns 1 Month 5.7% 3 Month 14.1% 6 Month 13.9% 1 Year 14.8% 3 Year 15.1% 5 Year 10 Year 15 Year Since launch 13.7% Historical performance (Yearly) on absolute basis
Year Returns 2018 -8.7% 2017 44% 2016 12.5% 2015 2014 2013 2012 2011 2010 2009 Fund Manager information for Motilal Oswal Long Term Equity Fund
Name Since Tenure Aditya Khemani 6 Sep 19 0 Yr. Abhiroop Mukherjee 21 Jan 15 4.61 Yr. Data below for Motilal Oswal Long Term Equity Fund as on 30 Sep 19
Equity Sector Allocation
Sector Value Financial Services 48.85% Consumer Cyclical 15.89% Consumer Defensive 10.77% Industrials 10.59% Basic Materials 6.87% Technology 4.33% Health Care 1.85% Asset Allocation
Asset Class Value Cash 3.03% Equity 96.97% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | ICICIBANK9% ₹148 Cr 3,195,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 15 | HDFCBANK9% ₹145 Cr 1,180,000 Axis Bank Ltd (Financial Services)
Equity, Since 28 Feb 19 | 5322158% ₹126 Cr 1,707,653
↑ 335,000 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Apr 15 | MARUTI5% ₹83 Cr 110,000 HDFC Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Nov 17 | 5407775% ₹81 Cr 1,300,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 18 | LT5% ₹75 Cr 509,225 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 May 19 | KOTAKBANK4% ₹71 Cr 450,000 Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 31 Aug 19 | 5006964% ₹65 Cr 300,000 Asian Paints Ltd (Basic Materials)
Equity, Since 30 Apr 19 | 5008204% ₹63 Cr 350,000 Page Industries Ltd (Consumer Cyclical)
Equity, Since 30 Apr 19 | 5328274% ₹62 Cr 24,000 3. LIC MF Tax Plan
CAGR/Annualized return of 10.4% since its launch. Ranked 35 in ELSS category. Return for 2018 was -1.1% , 2017 was 37.3% and 2016 was 3.3% . LIC MF Tax Plan
Growth Launch Date 3 Feb 99 NAV (15 Nov 19) ₹71.8221 ↑ 0.36 (0.51 %) Net Assets (Cr) ₹244 on 30 Sep 19 Category Equity - ELSS AMC LIC Mutual Fund Asset Mgmt Co Ltd Rating ☆ Risk Moderately High Expense Ratio 2.9 Sharpe Ratio 0.69 Information Ratio 0.18 Alpha Ratio 8.16 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Oct 14 ₹10,000 31 Oct 15 ₹10,561 31 Oct 16 ₹11,572 31 Oct 17 ₹13,744 31 Oct 18 ₹13,516 31 Oct 19 ₹15,723 Returns for LIC MF Tax Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Nov 19 Duration Returns 1 Month 5.1% 3 Month 10.9% 6 Month 13.7% 1 Year 15.4% 3 Year 14.3% 5 Year 9.1% 10 Year 15 Year Since launch 10.4% Historical performance (Yearly) on absolute basis
Year Returns 2018 -1.1% 2017 37.3% 2016 3.3% 2015 -3% 2014 49.1% 2013 8.2% 2012 26.3% 2011 -26.2% 2010 15.7% 2009 62.2% Fund Manager information for LIC MF Tax Plan
Name Since Tenure Sachin Relekar 5 Mar 15 3.91 Yr. Data below for LIC MF Tax Plan as on 30 Sep 19
Equity Sector Allocation
Sector Value Financial Services 41.03% Consumer Cyclical 12.65% Technology 12.15% Basic Materials 10.03% Consumer Defensive 9.34% Energy 3.34% Real Estate 2.54% Industrials 2.28% Health Care 1.73% Utility 0.26% Asset Allocation
Asset Class Value Cash 4.64% Equity 95.36% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 14 | HDFCBANK8% ₹19 Cr 156,190 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 18 | ICICIBANK6% ₹15 Cr 318,000 Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Apr 18 | 5000346% ₹14 Cr 35,200 Treps
CBLO/Reverse Repo | -6% ₹14 Cr Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Mar 18 | TCS5% ₹13 Cr 58,900 Infosys Ltd (Technology)
Equity, Since 31 Oct 14 | INFY5% ₹13 Cr 190,156
↑ 18,900 City Union Bank Ltd (Financial Services)
Equity, Since 31 Mar 14 | CUB4% ₹11 Cr 518,285 Avenue Supermarts Ltd (Consumer Defensive)
Equity, Since 28 Feb 18 | 5403764% ₹10 Cr 51,192 Bajaj Finserv Ltd (Financial Services)
Equity, Since 30 Sep 18 | 5329784% ₹10 Cr 12,500 Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 18 | RELIANCE4% ₹9 Cr 61,000 4. Tata India Tax Savings Fund
CAGR/Annualized return of 13.4% since its launch. Ranked 1 in ELSS category. Return for 2018 was -8.4% , 2017 was 46% and 2016 was 2.1% . Tata India Tax Savings Fund
Growth Launch Date 13 Oct 14 NAV (15 Nov 19) ₹18.9365 ↑ 0.14 (0.73 %) Net Assets (Cr) ₹1,919 on 30 Sep 19 Category Equity - ELSS AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.08 Sharpe Ratio 0.65 Information Ratio -0.42 Alpha Ratio 3.84 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Oct 14 ₹10,000 31 Oct 15 ₹11,574 31 Oct 16 ₹13,481 31 Oct 17 ₹16,728 31 Oct 18 ₹15,426 31 Oct 19 ₹18,184 Returns for Tata India Tax Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Nov 19 Duration Returns 1 Month 5.3% 3 Month 9% 6 Month 9.1% 1 Year 14.5% 3 Year 14.1% 5 Year 12.3% 10 Year 15 Year Since launch 13.4% Historical performance (Yearly) on absolute basis
Year Returns 2018 -8.4% 2017 46% 2016 2.1% 2015 13.3% 2014 2013 2012 2011 2010 2009 Fund Manager information for Tata India Tax Savings Fund
Name Since Tenure Rupesh Patel 1 Apr 15 4.59 Yr. Ennette Fernandes 18 Jun 18 1.37 Yr. Data below for Tata India Tax Savings Fund as on 30 Sep 19
Equity Sector Allocation
Sector Value Financial Services 42.62% Industrials 10.11% Technology 9.79% Energy 9.28% Consumer Cyclical 9.14% Health Care 5.95% Basic Materials 3.58% Consumer Defensive 3.2% Communication Services 2.03% Real Estate 0.84% Asset Allocation
Asset Class Value Cash 0.86% Equity 96.54% Other 2.61% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 16 | ICICIBANK10% ₹184 Cr 4,241,000
↑ 226,000 HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 10 | HDFCBANK8% ₹157 Cr 1,282,000 Infosys Ltd (Technology)
Equity, Since 30 Sep 18 | INFY7% ₹135 Cr 1,680,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Aug 18 | 5322155% ₹103 Cr 1,500,000 State Bank of India (Financial Services)
Equity, Since 30 Nov 18 | SBIN5% ₹102 Cr 3,750,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 18 | RELIANCE5% ₹97 Cr 730,000
↑ 230,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 May 15 | KOTAKBANK4% ₹81 Cr 495,000 Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 30 Jun 17 | HDFC4% ₹67 Cr 340,000 Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Dec 16 | 5000343% ₹61 Cr 150,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Jul 18 | TCS3% ₹52 Cr 250,000 5. Canara Robeco Equity Tax Saver
CAGR/Annualized return of 19.4% since its launch. Ranked 36 in ELSS category. Return for 2018 was 2.7% , 2017 was 32% and 2016 was 0% . Canara Robeco Equity Tax Saver
Growth Launch Date 2 Feb 09 NAV (15 Nov 19) ₹67.66 ↑ 0.30 (0.45 %) Net Assets (Cr) ₹965 on 30 Sep 19 Category Equity - ELSS AMC Canara Robeco Asset Management Co. Ltd. Rating ☆ Risk Moderately High Expense Ratio 2.59 Sharpe Ratio 0.36 Information Ratio -0.13 Alpha Ratio 2.46 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Oct 14 ₹10,000 31 Oct 15 ₹10,335 31 Oct 16 ₹11,248 31 Oct 17 ₹13,105 31 Oct 18 ₹13,330 31 Oct 19 ₹15,351 Returns for Canara Robeco Equity Tax Saver
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 15 Nov 19 Duration Returns 1 Month 4.1% 3 Month 9.5% 6 Month 8.3% 1 Year 12.7% 3 Year 13.9% 5 Year 8.6% 10 Year 15 Year Since launch 19.4% Historical performance (Yearly) on absolute basis
Year Returns 2018 2.7% 2017 32% 2016 0% 2015 0.6% 2014 45.2% 2013 5.3% 2012 30% 2011 -16.3% 2010 24.9% 2009 Fund Manager information for Canara Robeco Equity Tax Saver
Name Since Tenure Shridatta Bhandwaldar 1 Oct 19 0 Yr. Cheenu Gupta 12 Mar 18 1.55 Yr. Data below for Canara Robeco Equity Tax Saver as on 30 Sep 19
Equity Sector Allocation
Sector Value Financial Services 35.26% Consumer Defensive 13.05% Basic Materials 11.81% Technology 11.03% Industrials 7.35% Consumer Cyclical 5.3% Communication Services 4.19% Health Care 4.06% Utility 2.87% Asset Allocation
Asset Class Value Cash 5.01% Equity 94.99% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 08 | HDFCBANK10% ₹93 Cr 754,684
↑ 38,000 Infosys Ltd (Technology)
Equity, Since 31 Jul 18 | INFY6% ₹60 Cr 742,500
↑ 55,000 Treps
CBLO/Reverse Repo | -6% ₹58 Cr Bajaj Finance Ltd (Financial Services)
Equity, Since 31 May 19 | 5000345% ₹52 Cr 129,150
↑ 13,500 Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 31 Oct 16 | 5006964% ₹42 Cr 213,830 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jul 19 | KOTAKBANK4% ₹41 Cr 251,000
↑ 57,500 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Apr 19 | BHARTIARTL4% ₹40 Cr 1,103,000 UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 May 19 | ULTRACEMCO4% ₹39 Cr 90,550
↓ -15,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Aug 18 | ICICIBANK4% ₹36 Cr 821,000
↓ -316,000 Divi's Laboratories Ltd (Healthcare)
Equity, Since 31 Dec 18 | DIVISLAB4% ₹34 Cr 206,500
↑ 15,000
Should you invest in ELSS or Tax saving FDs?
Before getting into new investment ventures, people consider a lot of things. Age, investment horizon and risk appetite are a few of the important factors. People who want dual benefits of wealth growth and tax benefits prefer ELSS. For instance, new investors with a long investment horizon and higher risk appetite find ELSS a sensible option. People nearing retirement can invest in tax saving FDs as they tend to have low risks and guaranteed returns over long term (5 year or above atleast).
How to Invest in ELSS Online?
Open Free Investment Account for Lifetime at Fincash.com.
Complete your Registration and KYC Process
Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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