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6 बेस्ट परफॉर्मिंग टैक्स सेविंग म्यूचुअल फंड्स 2022
टैक्स सीजन नजदीक है, इसमें निवेश करने वाले निवेशकईएलएसएस हमेशा उन फंडों को देखें जो इनमें सबसे अच्छा प्रदर्शन कर रहे हैंमंडी. चूंकि, कई निवेशकों को इतने सारे फंडों में से एक फंड चुनना मुश्किल लगता है, हम यहां ईएलएसएस श्रेणी में कुछ सर्वश्रेष्ठ प्रदर्शन करने वालों का सुझाव दे रहे हैं।
निवेशक इन फंडों में निवेश कर सकते हैं और हर साल INR 1.5 लाख तक बचा सकते हैंधारा 80सी काआयकर अधिनियम 1961। ईएलएसएस योजनाओं में न्यूनतम 3 वर्ष की लॉक-इन अवधि होती है। हमारी अनुशंसित सर्वोत्तम प्रदर्शन कर बचतम्यूचुअल फंड्स एयूएम जैसे कुछ महत्वपूर्ण मापदंडों को पूरा करके सावधानीपूर्वक शॉर्टलिस्ट किया गया है,नहीं हैं, पिछले प्रदर्शन, आदि।
इस प्रकार, निवेशक आसानी से अपनी कर बचत की योजना बना सकते हैंनिवेश इन निधियों में।
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बेस्ट परफॉर्मिंग टैक्स सेविंग म्युचुअल फंड्स
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 The investment objective of the Scheme is to seek to generate long term capital growth from a diversified portfolio of predominantly equity and equity related securities. There can be no assurance that the investment objective of the scheme will be realised. IDFC Tax Advantage (ELSS) Fund is a Equity - ELSS fund was launched on 26 Dec 08. It is a fund with Moderately High risk and has given a Below is the key information for IDFC Tax Advantage (ELSS) Fund Returns up to 1 year are on To generate long-term capital growth from a diversified portfolio of predominantly equity and equity-related securities. L&T Tax Advantage Fund is a Equity - ELSS fund was launched on 27 Feb 06. It is a fund with Moderately High risk and has given a Below is the key information for L&T Tax Advantage Fund Returns up to 1 year are on To build a high quality growth-oriented portfolio to provide long-term capital gains to the investors, the scheme aims at providing returns through capital appreciation. Principal Tax Savings Fund is a Equity - ELSS fund was launched on 31 Mar 96. It is a fund with Moderately High risk and has given a Below is the key information for Principal Tax Savings Fund Returns up to 1 year are on To generate long term capital appreciation from a portfolio that is predominantly in equity and equity related instruments HDFC Long Term Advantage Fund is a Equity - ELSS fund was launched on 2 Jan 01. It is a fund with Moderately High risk and has given a Below is the key information for HDFC Long Term 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 portfolio of predominantly equity and equity-related securities. Invesco India Tax Plan is a Equity - ELSS fund was launched on 29 Dec 06. It is a fund with Moderately High risk and has given a Below is the key information for Invesco India Tax Plan Returns up to 1 year are on Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2024 (%) Tata India Tax Savings Fund Growth ₹43.4528
↑ 0.04 ₹4,335 9 1.2 13.2 20 24.3 19.5 IDFC Tax Advantage (ELSS) Fund Growth ₹149.911
↑ 0.29 ₹6,597 8.7 2.4 7.4 19.1 29.4 13.1 L&T Tax Advantage Fund Growth ₹131.398
↑ 0.71 ₹3,871 11.4 1.8 12.8 23.7 25.1 33 Principal Tax Savings Fund Growth ₹498.812
↑ 0.74 ₹1,288 8.1 4.3 9.7 18.9 25.1 15.8 HDFC Long Term Advantage Fund Growth ₹595.168
↑ 0.28 ₹1,318 1.2 15.4 35.5 20.6 17.4 Invesco India Tax Plan Growth ₹123.18
↑ 0.70 ₹2,638 9.1 -0.1 12.4 20.4 23 25.2 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 May 25 1. Tata India Tax Savings Fund
CAGR/Annualized return of 14.9% since its launch. Ranked 1 in ELSS category. Return for 2024 was 19.5% , 2023 was 24% and 2022 was 5.9% . Tata India Tax Savings Fund
Growth Launch Date 13 Oct 14 NAV (16 May 25) ₹43.4528 ↑ 0.04 (0.10 %) Net Assets (Cr) ₹4,335 on 31 Mar 25 Category Equity - ELSS AMC Tata Asset Management Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 0 Sharpe Ratio 0.22 Information Ratio -0.15 Alpha Ratio 3.19 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹14,711 30 Apr 22 ₹17,497 30 Apr 23 ₹18,556 30 Apr 24 ₹24,997 30 Apr 25 ₹26,677 Returns for Tata India Tax Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25 Duration Returns 1 Month 6.4% 3 Month 9% 6 Month 1.2% 1 Year 13.2% 3 Year 20% 5 Year 24.3% 10 Year 15 Year Since launch 14.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 19.5% 2023 24% 2022 5.9% 2021 30.4% 2020 11.9% 2019 13.6% 2018 -8.4% 2017 46% 2016 2.1% 2015 13.3% Fund Manager information for Tata India Tax Savings Fund
Name Since Tenure Sailesh Jain 16 Dec 21 3.37 Yr. Tejas Gutka 9 Mar 21 4.15 Yr. Data below for Tata India Tax Savings Fund as on 31 Mar 25
Equity Sector Allocation
Sector Value Financial Services 34.65% Consumer Cyclical 14.48% Industrials 12.7% Basic Materials 6.86% Technology 6.65% Energy 5.57% Communication Services 4.29% Health Care 3.63% Utility 2.78% Real Estate 2.27% Consumer Defensive 1.24% Asset Allocation
Asset Class Value Cash 4.87% Equity 95.13% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 10 | HDFCBANK8% ₹332 Cr 1,725,000 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 16 | ICICIBANK7% ₹303 Cr 2,125,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jan 18 | RELIANCE4% ₹190 Cr 1,350,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 19 | BHARTIARTL4% ₹175 Cr 940,000 Infosys Ltd (Technology)
Equity, Since 30 Sep 18 | INFY4% ₹174 Cr 1,160,000 State Bank of India (Financial Services)
Equity, Since 30 Nov 18 | SBIN4% ₹172 Cr 2,175,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Aug 18 | 5322153% ₹154 Cr 1,300,000 NTPC Ltd (Utilities)
Equity, Since 30 Jun 21 | 5325553% ₹122 Cr 3,451,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 16 | LT3% ₹118 Cr 352,147 Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Mar 22 | 5000342% ₹92 Cr 107,000 2. IDFC Tax Advantage (ELSS) Fund
CAGR/Annualized return of 18% since its launch. Ranked 3 in ELSS category. Return for 2024 was 13.1% , 2023 was 28.3% and 2022 was 4.2% . IDFC Tax Advantage (ELSS) Fund
Growth Launch Date 26 Dec 08 NAV (16 May 25) ₹149.911 ↑ 0.29 (0.19 %) Net Assets (Cr) ₹6,597 on 31 Mar 25 Category Equity - ELSS AMC IDFC Asset Management Company Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.79 Sharpe Ratio -0.2 Information Ratio -0.23 Alpha Ratio -3.29 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹17,738 30 Apr 22 ₹22,406 30 Apr 23 ₹23,289 30 Apr 24 ₹32,261 30 Apr 25 ₹33,404 Returns for IDFC Tax Advantage (ELSS) Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25 Duration Returns 1 Month 6.4% 3 Month 8.7% 6 Month 2.4% 1 Year 7.4% 3 Year 19.1% 5 Year 29.4% 10 Year 15 Year Since launch 18% Historical performance (Yearly) on absolute basis
Year Returns 2024 13.1% 2023 28.3% 2022 4.2% 2021 49.2% 2020 18.7% 2019 1.9% 2018 -9.4% 2017 53.4% 2016 0.4% 2015 6.9% Fund Manager information for IDFC Tax Advantage (ELSS) Fund
Name Since Tenure Daylynn Pinto 20 Oct 16 8.53 Yr. Ritika Behera 7 Oct 23 1.57 Yr. Gaurav Satra 10 Jun 24 0.89 Yr. Data below for IDFC Tax Advantage (ELSS) Fund as on 31 Mar 25
Equity Sector Allocation
Sector Value Financial Services 31.67% Basic Materials 9.05% Consumer Cyclical 9.02% Consumer Defensive 8.24% Technology 8.2% Energy 7.12% Health Care 6.87% Industrials 6.78% Communication Services 2.63% Utility 2.32% Real Estate 1.26% Asset Allocation
Asset Class Value Cash 6.83% Equity 93.17% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 30 Sep 14 | HDFCBANK8% ₹521 Cr 2,850,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Jul 18 | RELIANCE6% ₹408 Cr 3,200,000
↑ 100,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 16 | ICICIBANK6% ₹364 Cr 2,700,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Apr 21 | 5322155% ₹320 Cr 2,900,000
↑ 100,000 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Oct 21 | TCS4% ₹252 Cr 700,000
↑ 25,000 Infosys Ltd (Technology)
Equity, Since 31 Jul 15 | INFY3% ₹212 Cr 1,350,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 20 | BHARTIARTL3% ₹173 Cr 1,000,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jul 23 | KOTAKBANK3% ₹168 Cr 775,000
↑ 25,000 Jindal Steel & Power Ltd (Basic Materials)
Equity, Since 31 Mar 18 | 5322862% ₹137 Cr 1,500,000 CG Power & Industrial Solutions Ltd (Industrials)
Equity, Since 31 Aug 17 | 5000932% ₹121 Cr 1,900,000 3. L&T Tax Advantage Fund
CAGR/Annualized return of 14.3% since its launch. Ranked 7 in ELSS category. Return for 2024 was 33% , 2023 was 28.4% and 2022 was -3% . L&T Tax Advantage Fund
Growth Launch Date 27 Feb 06 NAV (16 May 25) ₹131.398 ↑ 0.71 (0.55 %) Net Assets (Cr) ₹3,871 on 31 Mar 25 Category Equity - ELSS AMC L&T Investment Management Ltd Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.89 Sharpe Ratio 0.38 Information Ratio 0.34 Alpha Ratio 6.76 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹14,985 30 Apr 22 ₹17,122 30 Apr 23 ₹17,906 30 Apr 24 ₹25,770 30 Apr 25 ₹27,746 Returns for L&T Tax Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25 Duration Returns 1 Month 7.3% 3 Month 11.4% 6 Month 1.8% 1 Year 12.8% 3 Year 23.7% 5 Year 25.1% 10 Year 15 Year Since launch 14.3% Historical performance (Yearly) on absolute basis
Year Returns 2024 33% 2023 28.4% 2022 -3% 2021 30.3% 2020 13.5% 2019 4.6% 2018 -8.1% 2017 42.3% 2016 8.1% 2015 2.9% Fund Manager information for L&T Tax Advantage Fund
Name Since Tenure Gautam Bhupal 26 Nov 22 2.43 Yr. Sonal Gupta 21 Jul 21 3.78 Yr. Abhishek Gupta 1 Mar 24 1.17 Yr. Data below for L&T Tax Advantage Fund as on 31 Mar 25
Equity Sector Allocation
Sector Value Financial Services 25.24% Consumer Cyclical 18.89% Industrials 17.71% Technology 10.69% Basic Materials 6.73% Health Care 5.91% Energy 4.25% Consumer Defensive 3.36% Utility 3.33% Communication Services 2.09% Real Estate 1.42% Asset Allocation
Asset Class Value Cash 0.38% Equity 99.62% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 06 | HDFCBANK5% ₹213 Cr 1,162,500 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 09 | ICICIBANK4% ₹156 Cr 1,155,500 Infosys Ltd (Technology)
Equity, Since 31 Mar 06 | INFY3% ₹122 Cr 774,900 Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 21 | RELIANCE3% ₹121 Cr 951,812 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Jul 22 | LT3% ₹105 Cr 301,450 Shriram Finance Ltd (Financial Services)
Equity, Since 30 Jun 23 | SHRIRAMFIN2% ₹85 Cr 1,291,500 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 24 | BHARTIARTL2% ₹81 Cr 467,000 State Bank of India (Financial Services)
Equity, Since 31 Jan 19 | SBIN2% ₹76 Cr 984,432 Persistent Systems Ltd (Technology)
Equity, Since 31 Jul 21 | PERSISTENT2% ₹73 Cr 133,000 Trent Ltd (Consumer Cyclical)
Equity, Since 30 Nov 23 | 5002512% ₹69 Cr 128,900 4. Principal Tax Savings Fund
CAGR/Annualized return of 16% since its launch. Ranked 8 in ELSS category. Return for 2024 was 15.8% , 2023 was 24.5% and 2022 was 4.3% . Principal Tax Savings Fund
Growth Launch Date 31 Mar 96 NAV (16 May 25) ₹498.812 ↑ 0.74 (0.15 %) Net Assets (Cr) ₹1,288 on 31 Mar 25 Category Equity - ELSS AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.26 Sharpe Ratio 0.02 Information Ratio -0.26 Alpha Ratio -0.34 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹15,168 30 Apr 22 ₹18,540 30 Apr 23 ₹19,428 30 Apr 24 ₹26,470 30 Apr 25 ₹28,044 Returns for Principal Tax Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25 Duration Returns 1 Month 5.8% 3 Month 8.1% 6 Month 4.3% 1 Year 9.7% 3 Year 18.9% 5 Year 25.1% 10 Year 15 Year Since launch 16% Historical performance (Yearly) on absolute basis
Year Returns 2024 15.8% 2023 24.5% 2022 4.3% 2021 32.1% 2020 18.9% 2019 2.5% 2018 -9.2% 2017 48.8% 2016 6.2% 2015 2.7% Fund Manager information for Principal Tax Savings Fund
Name Since Tenure Sudhir Kedia 29 Oct 19 5.51 Yr. Rohit Seksaria 1 Jan 22 3.33 Yr. Data below for Principal Tax Savings Fund as on 31 Mar 25
Equity Sector Allocation
Sector Value Financial Services 32.79% Industrials 12.06% Consumer Cyclical 10.9% Health Care 6.9% Technology 6.68% Basic Materials 5.68% Consumer Defensive 5.67% Energy 5.47% Communication Services 5.18% Utility 1.94% Asset Allocation
Asset Class Value Cash 6.17% Equity 93.83% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 09 | HDFCBANK9% ₹118 Cr 644,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK8% ₹99 Cr 737,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 21 | RELIANCE4% ₹55 Cr 434,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 13 | LT4% ₹47 Cr 134,000 Infosys Ltd (Technology)
Equity, Since 31 Jan 09 | INFY3% ₹43 Cr 276,000
↓ -30,000 State Bank of India (Financial Services)
Equity, Since 30 Apr 05 | SBIN3% ₹41 Cr 532,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 17 | 5322153% ₹34 Cr 311,000 InterGlobe Aviation Ltd (Industrials)
Equity, Since 31 Oct 22 | INDIGO2% ₹32 Cr 62,000
↓ -1,000 UltraTech Cement Ltd (Basic Materials)
Equity, Since 31 Jan 14 | 5325382% ₹31 Cr 27,000 Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services)
Equity, Since 30 Nov 21 | 8901572% ₹29 Cr 221,000 5. HDFC Long Term Advantage Fund
CAGR/Annualized return of 21.4% since its launch. Ranked 23 in ELSS category. . HDFC Long Term Advantage Fund
Growth Launch Date 2 Jan 01 NAV (14 Jan 22) ₹595.168 ↑ 0.28 (0.05 %) Net Assets (Cr) ₹1,318 on 30 Nov 21 Category Equity - ELSS AMC HDFC Asset Management Company Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 2.25 Sharpe Ratio 2.27 Information Ratio -0.15 Alpha Ratio 1.75 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹15,458
Purchase not allowed Returns for HDFC Long Term Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25 Duration Returns 1 Month 4.4% 3 Month 1.2% 6 Month 15.4% 1 Year 35.5% 3 Year 20.6% 5 Year 17.4% 10 Year 15 Year Since launch 21.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for HDFC Long Term Advantage Fund
Name Since Tenure Data below for HDFC Long Term Advantage Fund as on 30 Nov 21
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 6. Invesco India Tax Plan
CAGR/Annualized return of 14.6% since its launch. Ranked 17 in ELSS category. Return for 2024 was 25.2% , 2023 was 30.9% and 2022 was -7.7% . Invesco India Tax Plan
Growth Launch Date 29 Dec 06 NAV (16 May 25) ₹123.18 ↑ 0.70 (0.57 %) Net Assets (Cr) ₹2,638 on 31 Mar 25 Category Equity - ELSS AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 1.97 Sharpe Ratio 0.14 Information Ratio -0.28 Alpha Ratio 2.26 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹14,765 30 Apr 22 ₹16,776 30 Apr 23 ₹16,852 30 Apr 24 ₹24,035 30 Apr 25 ₹25,677 Returns for Invesco India Tax Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25 Duration Returns 1 Month 6% 3 Month 9.1% 6 Month -0.1% 1 Year 12.4% 3 Year 20.4% 5 Year 23% 10 Year 15 Year Since launch 14.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 25.2% 2023 30.9% 2022 -7.7% 2021 32.6% 2020 19.2% 2019 9.4% 2018 -1.3% 2017 35.7% 2016 3.4% 2015 5.8% Fund Manager information for Invesco India Tax Plan
Name Since Tenure Amit Nigam 3 Sep 20 4.66 Yr. Dhimant Kothari 29 Mar 18 7.09 Yr. Data below for Invesco India Tax Plan as on 31 Mar 25
Equity Sector Allocation
Sector Value Financial Services 24.91% Consumer Cyclical 17.39% Industrials 16.54% Technology 11.38% Health Care 9.78% Consumer Defensive 6.05% Basic Materials 5.31% Energy 3.17% Communication Services 2.19% Utility 1.84% Real Estate 1% Asset Allocation
Asset Class Value Cash 0.44% Equity 99.56% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 22 | HDFCBANK7% ₹185 Cr 1,012,536 Axis Bank Ltd (Financial Services)
Equity, Since 31 Dec 20 | 5322154% ₹107 Cr 972,099 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | ICICIBANK4% ₹97 Cr 718,937
↓ -125,262 Tata Consultancy Services Ltd (Technology)
Equity, Since 31 Jul 23 | TCS3% ₹69 Cr 189,981 Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Jan 25 | 5000343% ₹68 Cr 76,554
↑ 18,229 PTC Industries Ltd (Industrials)
Equity, Since 30 Sep 24 | 5390063% ₹67 Cr 44,617
↓ -736 Metro Brands Ltd (Consumer Cyclical)
Equity, Since 31 Jan 24 | 5434262% ₹66 Cr 648,682
↑ 95,283 Infosys Ltd (Technology)
Equity, Since 31 Dec 19 | INFY2% ₹64 Cr 409,819
↑ 52,053 Eicher Motors Ltd (Consumer Cyclical)
Equity, Since 30 Nov 23 | EICHERMOT2% ₹63 Cr 117,657 LTIMindtree Ltd (Technology)
Equity, Since 30 Sep 24 | LTIM2% ₹60 Cr 133,524
↑ 4,004
इक्विटी लिंक्ड सेविंग स्कीम में टैक्स सेविंग
आइए ईएलएसएस के साथ और उसके बिना कर बचत की तुलना करके कर लाभों की जांच करें:
| विवरण | कर योजना (ईएलएसएस) | नो टैक्स प्लानिंग |
|---|---|---|
| कुल योगआय | 8,00,000 | 8,00,000 |
| कराधान से छूट | 1,50,000 | शून्य |
| कुलकरदायी आय | 6,50,000 | 8,00,000 |
| भुगतान किया जाने वाला कर | 32,500 | 62,500 |
| सहेजी गई राशि | 30,000 | शून्य |
इसलिए, ईएलएसएस में निवेश करके बचाई गई कुल राशि INR 30,000 है।
टैक्स सेविंग म्यूचुअल फंड में निवेश के लाभ
टैक्स बेनिफिट्स के साथ, ELSS आपको निम्नलिखित फायदे भी प्रदान करता है:
इक्विटी रिटर्न
चूंकि ईएलएसएस इक्विटी और टैक्स सेविंग का एक संयोजन है, इसलिए शेयर बाजार के बढ़ने के साथ-साथ आप जो पैसा निवेश करते हैं वह बढ़ता है। तो, निवेशक इक्विटी बाजार से भी रिटर्न कमा सकते हैं। इसलिए, ईएलएसएस भी लंबी अवधि के लिए धन सृजन का एक तरीका है।
एसआईपी लाभ
एकमुश्त राशि का निवेश करने के बजाय, निवेशक मासिक निवेश करके एक आसान रास्ता चुन सकते हैं aसिप. एसआईपी के साथ, कोई भी कम से कम 500 रुपये का निवेश कर सकता है, जिससे यह निवेशकों के लिए सबसे किफायती टैक्स-प्लानिंग और निवेश का माध्यम बन जाता है।
सबसे छोटी लॉक-इन अवधि
ELSS में 3 साल की लॉक-इन अवधि होती है, जो कि अन्य सभी टैक्स सेविंग इंस्ट्रूमेंट्स में सबसे छोटी लॉक-इन अवधि है।
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