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अन्य टैक्स सेविंग निवेशों पर ईएलएसएस क्यों?
ईएलएसएस फंड जिसे इक्विटी लिंक्ड सेविंग्स स्कीम के रूप में भी जाना जाता है, एक इक्विटी-डायवर्सिफाइड टैक्स सेविंग म्यूचुअल फंड है जो प्रमुख रूप से अपनी संपत्ति का निवेश करता हैइक्विटीज या शेयर बाजार जैसे इक्विटी से जुड़े उपकरण। ईएलएसएसम्यूचुअल फंड्स प्रस्तावमंडी-लिंक्ड रिटर्न, जो अस्थिर होते हैं और बाजार की स्थितियों पर निर्भर होते हैं। हालाँकि,वित्तीय सलाहकार सुझाव देनानिवेश लंबी अवधि के लिए ईएलएसएस फंड में, क्योंकि ये ईएलएसएस म्यूचुअल फंड लंबी अवधि के लिए निवेश करने पर सबसे अच्छा रिटर्न देते हैं। हाल की रिपोर्टों में, यह देखा गया कि ईएलएसएस फंडों ने 3 वर्षों के लिए निवेश करने पर लगभग 20% -30% रिटर्न उत्पन्न किया, जो कि अन्य म्यूचुअल फंड द्वारा उत्पन्न रिटर्न से बहुत अधिक है।
ईएलएसएस और अन्य टैक्स सेविंग निवेश विकल्पों की तुलना
ईएलएसएस और अन्य कर बचत की तुलना कार्यकाल, रिटर्न, पात्रता जैसे मापदंडों पर आधारित हैकटौती अंतर्गत80सी, आदि।
चलो देखते हैं:
| पैरामीटर | पीपीएफ | एनएससी | एफडी | ईएलएसएस |
|---|---|---|---|---|
| कार्यकाल | पन्द्रह साल | 6 साल | 5 साल | 3 वर्ष |
| रिटर्न | 7.60% (वार्षिक रूप से संयोजित) | 7.60% (वार्षिक रूप से संयोजित) | 7.00 - 8.00% (वार्षिक रूप से संयोजित) | कोई सुनिश्चित लाभांश / रिटर्न नहीं क्योंकि यह बाजार से जुड़ा हुआ है |
| न्यूनतम। निवेश | रु. 500 | रु. 100 | रु. 1000 | रु. 500 |
| मैक्स। निवेश | रु. 1.5 लाख | कोई ऊपरी सीमा नहीं | कोई ऊपरी सीमा नहीं | कोई ऊपरी सीमा नहीं |
| 80c . के तहत कटौती के लिए पात्र राशि | रु. 1.5 लाख | रु. 1.5 लाख | रु. 1.5 लाख | रु. 1.5 लाख |
| ब्याज/वापसी के लिए कराधान | शुल्क माफ़ | ब्याज कर योग्य | ब्याज कर योग्य | 1 लाख रुपये तक का लाभ कर मुक्त है। 1 लाख रुपये से अधिक के लाभ पर 10% की दर से कर लागू होता है |
| सुरक्षा/रेटिंग | सुरक्षित | सुरक्षित | सुरक्षित | जोखिम |
2022 में निवेश करने के लिए शीर्ष 5 ईएलएसएस फंड
निवल संपत्ति/एयूएम वाले फंड की सूची नीचे दी गई है100 - 200 करोड़.
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2022 (%) BOI AXA Tax Advantage Fund Growth ₹105.01
↑ 0.70 ₹739 8 0.7 16.1 27.7 13.4 -1.3 PGIM India Tax Savings Fund Growth ₹25.83
↑ 0.04 ₹494 7.5 1.5 14.5 27.7 13 4.7 Mahindra Mutual Fund Kar Bachat Yojana Growth ₹20.1837
↑ 0.12 ₹567 7.5 1.7 14.7 27 11.9 2 Principal Tax Savings Fund Growth ₹351.448
↑ 1.57 ₹967 7.1 -0.1 12.3 25.9 10.8 4.3 Sundaram Diversified Equity Fund Growth ₹159.844
↑ 0.55 ₹1,622 6.9 0.3 13.1 25.7 9.2 4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Jun 23
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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 primary objective of the Scheme is to generate long-term capital appreciation by predominantly investing in equity & equity related instruments and to enable eligible investors to
avail deduction from total income, as permitted under the Income Tax Act, 1961 as amended from time to time. However, there is no assurance that the investment objective
shall be realize" PGIM India Tax Savings Fund is a Equity - ELSS fund was launched on 11 Dec 15. It is a fund with Moderately High risk and has given a Below is the key information for PGIM India Tax Savings Fund Returns up to 1 year are on The investment objective of the Scheme is to generate long-term capital appreciation through a diversified portfolio of equity and equity related securities. The Scheme does not guarantee or assure any returns. Mahindra Mutual Fund Kar Bachat Yojana is a Equity - ELSS fund was launched on 18 Oct 16. It is a fund with Moderately High risk and has given a Below is the key information for Mahindra Mutual Fund Kar Bachat Yojana 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 achieve capital appreciation by investing
predominantly in equities and equity-related
instruments. A three-year lock-in period shall
apply in line with the regulation for ELSS
schemes. Sundaram Diversified Equity Fund is a Equity - ELSS fund was launched on 22 Nov 99. It is a fund with Moderately High risk and has given a Below is the key information for Sundaram Diversified Equity Fund Returns up to 1 year are on 1. BOI AXA Tax Advantage Fund
CAGR/Annualized return of 17.9% since its launch. Ranked 13 in ELSS category. Return for 2022 was -1.3% , 2021 was 41.5% and 2020 was 31.2% . BOI AXA Tax Advantage Fund
Growth Launch Date 25 Feb 09 NAV (02 Jun 23) ₹105.01 ↑ 0.70 (0.67 %) Net Assets (Cr) ₹739 on 30 Apr 23 Category Equity - ELSS AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 2.54 Sharpe Ratio 0.12 Information Ratio 0.12 Alpha Ratio 2.28 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 May 18 ₹10,000 31 May 19 ₹9,208 31 May 20 ₹8,648 31 May 21 ₹15,134 31 May 22 ₹15,930 31 May 23 ₹18,489 Returns for BOI AXA Tax Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jun 23 Duration Returns 1 Month 2.3% 3 Month 8% 6 Month 0.7% 1 Year 16.1% 3 Year 27.7% 5 Year 13.4% 10 Year 15 Year Since launch 17.9% Historical performance (Yearly) on absolute basis
Year Returns 2022 -1.3% 2021 41.5% 2020 31.2% 2019 14.6% 2018 -16.3% 2017 57.7% 2016 -1.2% 2015 2.1% 2014 44% 2013 9.1% Fund Manager information for BOI AXA Tax Advantage Fund
Name Since Tenure Alok Singh 27 Apr 22 1.01 Yr. Data below for BOI AXA Tax Advantage Fund as on 30 Apr 23
Equity Sector Allocation
Sector Value Financial Services 36.97% Industrials 10.94% Consumer Defensive 9.81% Basic Materials 9.14% Health Care 6.44% Utility 5.55% Energy 5.02% Consumer Cyclical 3.56% Technology 2.9% Real Estate 1.98% Communication Services 0.69% Asset Allocation
Asset Class Value Cash 6.92% Equity 93.01% Debt 0.07% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK7% ₹49 Cr 529,340 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK6% ₹45 Cr 265,000 State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN6% ₹45 Cr 770,000 Canara Bank (Financial Services)
Equity, Since 31 Aug 22 | CANBK4% ₹28 Cr 895,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE3% ₹22 Cr 91,009 NTPC Ltd Shs Dematerialised (Utilities)
Equity, Since 30 Apr 22 | NTPC3% ₹22 Cr 1,260,000 ITC Ltd Shs Dematerialised (Consumer Defensive)
Equity, Since 31 May 22 | ITC3% ₹20 Cr 473,223 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 22 | LT2% ₹18 Cr 76,000
↑ 5,000 Balrampur Chini Mills Ltd (Consumer Defensive)
Equity, Since 30 Apr 22 | BALRAMCHIN2% ₹18 Cr 432,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 22 | AXISBANK2% ₹18 Cr 204,000 2. PGIM India Tax Savings Fund
CAGR/Annualized return of 13.5% since its launch. Return for 2022 was 4.7% , 2021 was 37.5% and 2020 was 17.9% . PGIM India Tax Savings Fund
Growth Launch Date 11 Dec 15 NAV (02 Jun 23) ₹25.83 ↑ 0.04 (0.16 %) Net Assets (Cr) ₹494 on 30 Apr 23 Category Equity - ELSS AMC Pramerica Asset Managers Private Limited Rating Risk Moderately High Expense Ratio 2.46 Sharpe Ratio 0.04 Information Ratio 0.4 Alpha Ratio 0.99 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 May 18 ₹10,000 31 May 19 ₹10,476 31 May 20 ₹8,545 31 May 21 ₹14,542 31 May 22 ₹15,983 31 May 23 ₹18,368 Returns for PGIM India Tax Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jun 23 Duration Returns 1 Month 3.6% 3 Month 7.5% 6 Month 1.5% 1 Year 14.5% 3 Year 27.7% 5 Year 13% 10 Year 15 Year Since launch 13.5% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.7% 2021 37.5% 2020 17.9% 2019 8.2% 2018 -6.4% 2017 39.3% 2016 1.7% 2015 2014 2013 Fund Manager information for PGIM India Tax Savings Fund
Name Since Tenure Bhupesh Kalyani 1 Apr 23 0.08 Yr. Vinay Paharia 1 Apr 23 0.08 Yr. Anandha Padmanabhan Anjeneyan 1 Apr 23 0.08 Yr. Ojasvi Khicha 1 Apr 23 0.08 Yr. Data below for PGIM India Tax Savings Fund as on 30 Apr 23
Equity Sector Allocation
Sector Value Financial Services 31.62% Consumer Cyclical 9.55% Industrials 8.64% Technology 8.53% Consumer Defensive 7.92% Energy 7.09% Health Care 7% Basic Materials 6.85% Utility 3.49% Communication Services 2.03% Real Estate 0.79% Asset Allocation
Asset Class Value Cash 6.49% Equity 93.51% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | HDFCBANK8% ₹37 Cr 222,200 Reliance Industries Ltd (Energy)
Equity, Since 31 Aug 17 | RELIANCE7% ₹35 Cr 144,750 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | ICICIBANK6% ₹27 Cr 298,500 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 17 | LT5% ₹23 Cr 95,664 Infosys Ltd (Technology)
Equity, Since 31 Dec 15 | INFY4% ₹20 Cr 161,129 Axis Bank Ltd (Financial Services)
Equity, Since 30 Nov 21 | AXISBANK4% ₹19 Cr 218,000 Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Oct 17 | HDFC3% ₹17 Cr 61,500
↑ 14,800 ITC Ltd Shs Dematerialised (Consumer Defensive)
Equity, Since 31 Aug 17 | ITC3% ₹17 Cr 400,000 State Bank of India (Financial Services)
Equity, Since 31 Oct 18 | SBIN2% ₹10 Cr 178,174
↓ -116,000 HCL Technologies Ltd (Technology)
Equity, Since 31 Aug 20 | HCLTECH2% ₹10 Cr 96,100 3. Mahindra Mutual Fund Kar Bachat Yojana
CAGR/Annualized return of 11.1% since its launch. Return for 2022 was 2% , 2021 was 39.4% and 2020 was 14.1% . Mahindra Mutual Fund Kar Bachat Yojana
Growth Launch Date 18 Oct 16 NAV (02 Jun 23) ₹20.1837 ↑ 0.12 (0.58 %) Net Assets (Cr) ₹567 on 30 Apr 23 Category Equity - ELSS AMC Mahindra Asset Management Company Pvt. Ltd. Rating Risk Moderately High Expense Ratio 2.38 Sharpe Ratio 0.05 Information Ratio -0.04 Alpha Ratio 1.32 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 May 18 ₹10,000 31 May 19 ₹10,186 31 May 20 ₹8,257 31 May 21 ₹13,900 31 May 22 ₹15,210 31 May 23 ₹17,341 Returns for Mahindra Mutual Fund Kar Bachat Yojana
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jun 23 Duration Returns 1 Month 4% 3 Month 7.5% 6 Month 1.7% 1 Year 14.7% 3 Year 27% 5 Year 11.9% 10 Year 15 Year Since launch 11.1% Historical performance (Yearly) on absolute basis
Year Returns 2022 2% 2021 39.4% 2020 14.1% 2019 4.5% 2018 -9.8% 2017 24.8% 2016 2015 2014 2013 Fund Manager information for Mahindra Mutual Fund Kar Bachat Yojana
Name Since Tenure Manish Lodha 21 Dec 20 2.36 Yr. Fatema Pacha 16 Oct 20 2.54 Yr. Data below for Mahindra Mutual Fund Kar Bachat Yojana as on 30 Apr 23
Equity Sector Allocation
Sector Value Financial Services 31.8% Consumer Cyclical 12.81% Technology 12.71% Basic Materials 10.5% Industrials 9.56% Health Care 5.78% Energy 5.22% Consumer Defensive 3.92% Real Estate 2.54% Utility 1.5% Asset Allocation
Asset Class Value Cash 3.65% Equity 96.35% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 19 | ICICIBANK9% ₹52 Cr 567,120 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | HDFCBANK9% ₹52 Cr 307,676 Infosys Ltd (Technology)
Equity, Since 29 Feb 20 | INFY6% ₹36 Cr 286,807 Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 18 | RELIANCE5% ₹30 Cr 122,154 Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 21 | 5322154% ₹21 Cr 249,631 Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Nov 21 | BAJFINANCE3% ₹19 Cr 31,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Aug 18 | LT3% ₹17 Cr 71,542 Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 30 Apr 20 | HINDUNILVR3% ₹17 Cr 68,112 Tata Consultancy Services Ltd Shs Dematerialised (Technology)
Equity, Since 31 May 19 | TCS3% ₹16 Cr 49,286 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 28 Feb 18 | MARUTI3% ₹15 Cr 17,376 4. Principal Tax Savings Fund
CAGR/Annualized return of 15.7% since its launch. Ranked 8 in ELSS category. Return for 2022 was 4.3% , 2021 was 32.1% and 2020 was 18.9% . Principal Tax Savings Fund
Growth Launch Date 31 Mar 96 NAV (02 Jun 23) ₹351.448 ↑ 1.57 (0.45 %) Net Assets (Cr) ₹967 on 30 Apr 23 Category Equity - ELSS AMC Principal Pnb Asset Mgmt. Co. Priv. Ltd. Rating ☆☆☆☆ Risk Moderately High Expense Ratio 2.44 Sharpe Ratio -0.02 Information Ratio -0.1 Alpha Ratio 0.31 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 May 18 ₹10,000 31 May 19 ₹10,041 31 May 20 ₹8,002 31 May 21 ₹13,338 31 May 22 ₹14,688 31 May 23 ₹16,482 Returns for Principal Tax Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jun 23 Duration Returns 1 Month 3.9% 3 Month 7.1% 6 Month -0.1% 1 Year 12.3% 3 Year 25.9% 5 Year 10.8% 10 Year 15 Year Since launch 15.7% Historical performance (Yearly) on absolute basis
Year Returns 2022 4.3% 2021 32.1% 2020 18.9% 2019 2.5% 2018 -9.2% 2017 48.8% 2016 6.2% 2015 2.7% 2014 49.4% 2013 8.5% Fund Manager information for Principal Tax Savings Fund
Name Since Tenure Sudhir Kedia 29 Oct 19 3.51 Yr. Rohit Seksaria 1 Jan 22 1.33 Yr. Data below for Principal Tax Savings Fund as on 30 Apr 23
Equity Sector Allocation
Sector Value Financial Services 35.72% Consumer Cyclical 12.73% Industrials 11.18% Technology 10.08% Consumer Defensive 6.56% Energy 6.46% Basic Materials 4.4% Health Care 3.77% Communication Services 1.2% Real Estate 0.62% Asset Allocation
Asset Class Value Cash 7.24% Equity 92.76% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK7% ₹71 Cr 770,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 21 | RELIANCE6% ₹62 Cr 258,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 09 | HDFCBANK6% ₹57 Cr 335,117 Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 30 Jun 08 | HDFC5% ₹44 Cr 157,000 Infosys Ltd (Technology)
Equity, Since 31 Jan 09 | INFY4% ₹42 Cr 333,000
↑ 15,000 State Bank of India (Financial Services)
Equity, Since 30 Apr 05 | SBIN4% ₹39 Cr 683,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 17 | 5322153% ₹29 Cr 334,000 Tata Consultancy Services Ltd Shs Dematerialised (Technology)
Equity, Since 30 Apr 14 | TCS3% ₹25 Cr 78,000 Ashok Leyland Ltd Shs Dematerialised (Industrials)
Equity, Since 31 Aug 20 | 5004772% ₹24 Cr 1,630,000 Polycab India Ltd (Industrials)
Equity, Since 30 Nov 20 | 5426522% ₹21 Cr 67,000
↓ -6,000 5. Sundaram Diversified Equity Fund
CAGR/Annualized return of 15.9% since its launch. Ranked 14 in ELSS category. Return for 2022 was 4% , 2021 was 31.5% and 2020 was 9.9% . Sundaram Diversified Equity Fund
Growth Launch Date 22 Nov 99 NAV (02 Jun 23) ₹159.844 ↑ 0.55 (0.34 %) Net Assets (Cr) ₹1,622 on 30 Apr 23 Category Equity - ELSS AMC Sundaram Asset Management Company Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 2.1 Sharpe Ratio 0.09 Information Ratio -0.24 Alpha Ratio 1.87 Min Investment 500 Min SIP Investment 250 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 May 18 ₹10,000 31 May 19 ₹10,120 31 May 20 ₹7,536 31 May 21 ₹12,372 31 May 22 ₹13,564 31 May 23 ₹15,385 Returns for Sundaram Diversified Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jun 23 Duration Returns 1 Month 3.5% 3 Month 6.9% 6 Month 0.3% 1 Year 13.1% 3 Year 25.7% 5 Year 9.2% 10 Year 15 Year Since launch 15.9% Historical performance (Yearly) on absolute basis
Year Returns 2022 4% 2021 31.5% 2020 9.9% 2019 6.2% 2018 -10.6% 2017 38.4% 2016 6.8% 2015 3.1% 2014 45.7% 2013 1.4% Fund Manager information for Sundaram Diversified Equity Fund
Name Since Tenure Sudhir Kedia 1 Jan 22 1.33 Yr. Rohit Seksaria 24 Feb 21 2.18 Yr. Data below for Sundaram Diversified Equity Fund as on 30 Apr 23
Equity Sector Allocation
Sector Value Financial Services 37.08% Industrials 12.77% Technology 11.26% Consumer Cyclical 11.01% Consumer Defensive 7.76% Energy 6.67% Basic Materials 5.07% Health Care 2.8% Communication Services 1.81% Real Estate 0.57% Asset Allocation
Asset Class Value Cash 3.19% Equity 96.81% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | ICICIBANK8% ₹124 Cr 1,348,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 12 | RELIANCE7% ₹108 Cr 447,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 13 | HDFCBANK6% ₹103 Cr 611,000 Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Jul 19 | HDFC5% ₹75 Cr 272,000 Infosys Ltd (Technology)
Equity, Since 30 Nov 16 | INFY4% ₹71 Cr 570,000 State Bank of India (Financial Services)
Equity, Since 31 Aug 20 | SBIN4% ₹70 Cr 1,207,000 Tata Consultancy Services Ltd Shs Dematerialised (Technology)
Equity, Since 31 Jul 20 | TCS3% ₹53 Cr 165,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 May 18 | 5322153% ₹51 Cr 590,000 Ashok Leyland Ltd Shs Dematerialised (Industrials)
Equity, Since 31 Jan 22 | 5004773% ₹46 Cr 3,184,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 May 18 | LT2% ₹38 Cr 160,000
↓ -30,000
ELSS अन्य टैक्स सेविंग इन्वेस्टमेंट से कैसे बेहतर है?
विभिन्न हैंटैक्स सेविंग निवेश भारत में विकल्प जिनमें से ईएलएसएस सबसे अच्छे विकल्पों में से एक है। कैसे? यहाँ कुछ कारणों का उल्लेख किया गया है।
लंबी अवधि में उच्च रिटर्न
ईएलएसएस फंड अन्य कर बचत निवेशों के बीच शेयर बाजार में सबसे अधिक संपत्ति आवंटित करते हैं। तो, ये फंड सबसे अच्छी कमाई करते हैंमुद्रास्फीति-बीटिंग रिटर्न सभी के बीच। यदि लंबी अवधि के लिए निवेश किया जाता है, तो ईएलएसएस के रिटर्न की दर अन्य पारंपरिक ऋण-उन्मुख निवेशों के रिटर्न को आसानी से हरा सकती है। इसलिए, ईएलएसएस म्यूचुअल फंड निवेशकों को दोनों दुनिया के सर्वश्रेष्ठ- उच्च रिटर्न और कर लाभ प्रदान करते हैं।
सबसे छोटी लॉक-इन अवधि
पारंपरिक कर बचत निवेश विकल्पों की तुलना में ईएलएसएस म्यूचुअल फंड की लॉक-इन अवधि कम होती है। ईएलएसएस फंड की लॉक-इन अवधि 3 वर्ष है जबकि पीपीएफ की 15 वर्ष औरएनपीएस तब तक हैनिवृत्ति. इसलिए, ईएलएसएस में निवेश करने से आपका पैसा लंबी अवधि के लिए लॉक नहीं होता है और आप लॉक-इन समाप्त होने के तुरंत बाद निवेश करना बंद कर सकते हैं।
अत्यधिक लचीला निवेश
ईएलएसएस म्यूचुअल फंड का लचीलापन अन्य सभी कर बचत निवेशों की तुलना में बहुत अधिक है। पारंपरिक निवेशों के विपरीत, केवल एक प्रकार के विकल्प में निवेश करने की आवश्यकता नहीं है। ईएलएसएस फंड आपको विभिन्न प्रकार के निवेशों के साथ अपने पोर्टफोलियो में विविधता लाने में सक्षम बनाता है। साथ ही, लॉक-इन अवधि समाप्त होने के बाद भी निवेशक इन फंडों में निवेशित रह सकते हैं। इसलिए, एक बार लॉक-इन समाप्त हो जाने के बाद, आप आसानी से निवेशित रहना या अपनी सुविधा के अनुसार रिडीम करना चुन सकते हैं।
निष्कर्ष
अंत में, ईएलएसएस फंड में निवेश करने वाले निवेशकों के लिए यहां कुछ सुझाव दिए गए हैं।
- ईएलएसएस में जल्दी निवेश शुरू करें
- अपनी सीमा के भीतर निवेश करें
- लाभांश पुनर्निवेश का चयन न करें
- धीरे-धीरे और धीरे-धीरे रिडीम करें
- के माध्यम से निवेश करेंसिप
यहां प्रदान की गई जानकारी सटीक है, यह सुनिश्चित करने के लिए सभी प्रयास किए गए हैं। हालांकि, डेटा की शुद्धता के संबंध में कोई गारंटी नहीं दी जाती है। कृपया कोई भी निवेश करने से पहले योजना सूचना दस्तावेज के साथ सत्यापित करें।
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