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फिनकैश »म्यूचुअल फंड्स »टैक्स सेवर

अन्य टैक्स सेविंग निवेशों पर ईएलएसएस क्यों?

Updated on June 25, 2025 , 2339 views

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।

ELSS

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.

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
JM Tax Gain Fund Growth ₹48.9765
↑ 0.41
₹1999.2-0.11.425.225.329
BOI AXA Tax Advantage Fund Growth ₹162.72
↑ 1.36
₹1,3988.2-3.7-4.623.725.721.6
BNP Paribas Long Term Equity Fund (ELSS) Growth ₹96.1964
↑ 0.35
₹9129.10.86.322.620.823.6
Edelweiss Long Term Equity Fund Growth ₹112.61
↑ 0.51
₹41210.83.34.621.222.220
IDBI Equity Advantage Fund Growth ₹43.39
↑ 0.04
₹4859.715.116.920.810
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Jun 25

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1. JM Tax Gain Fund

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 CAGR/Annualized return of 9.7% since its launch.  Ranked 18 in ELSS category.  Return for 2024 was 29% , 2023 was 30.9% and 2022 was 0.5% .

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund
Growth
Launch Date 31 Mar 08
NAV (27 Jun 25) ₹48.9765 ↑ 0.41   (0.85 %)
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.

DateValue
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

JM Tax Gain Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326
Invest Now

Returns for JM Tax Gain Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jun 25

DurationReturns
1 Month 5%
3 Month 9.2%
6 Month -0.1%
1 Year 1.4%
3 Year 25.2%
5 Year 25.3%
10 Year
15 Year
Since launch 9.7%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Satish Ramanathan1 Oct 240.66 Yr.
Asit Bhandarkar31 Dec 213.42 Yr.
Ruchi Fozdar4 Oct 240.66 Yr.
Deepak Gupta11 Apr 250.14 Yr.

Data below for JM Tax Gain Fund as on 31 May 25

Equity Sector Allocation
SectorValue
Financial Services29%
Consumer Cyclical13.65%
Basic Materials13.62%
Industrials11.55%
Technology9.09%
Health Care8.2%
Consumer Defensive5.61%
Communication Services3.03%
Utility1.22%
Energy1.12%
Real Estate1.02%
Asset Allocation
Asset ClassValue
Cash2.89%
Equity97.11%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | ICICIBANK
6%₹11 Cr77,975
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 10 | LT
5%₹10 Cr28,947
↑ 14,500
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 11 | HDFCBANK
5%₹9 Cr49,131
Infosys Ltd (Technology)
Equity, Since 31 Aug 18 | INFY
4%₹7 Cr45,965
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | MARUTI
3%₹6 Cr4,706
State Bank of India (Financial Services)
Equity, Since 31 Aug 20 | SBIN
3%₹6 Cr72,900
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Mar 24 | BHARTIARTL
3%₹6 Cr30,700
Bajaj Auto Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | 532977
3%₹5 Cr6,300
↓ -1,000
CreditAccess Grameen Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Oct 24 | CREDITACC
3%₹5 Cr43,600
OneSource Specialty Pharma Ltd (Healthcare)
Equity, Since 31 Jan 25 | ONESOURCE
2%₹5 Cr28,195

2. BOI AXA Tax Advantage Fund

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 CAGR/Annualized return of 18.6% since its launch.  Ranked 13 in ELSS category.  Return for 2024 was 21.6% , 2023 was 34.8% and 2022 was -1.3% .

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund
Growth
Launch Date 25 Feb 09
NAV (27 Jun 25) ₹162.72 ↑ 1.36   (0.84 %)
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.

DateValue
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

BOI AXA Tax Advantage Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326
Invest Now

Returns for BOI AXA Tax Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jun 25

DurationReturns
1 Month 2.4%
3 Month 8.2%
6 Month -3.7%
1 Year -4.6%
3 Year 23.7%
5 Year 25.7%
10 Year
15 Year
Since launch 18.6%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Alok Singh27 Apr 223.1 Yr.

Data below for BOI AXA Tax Advantage Fund as on 31 May 25

Equity Sector Allocation
SectorValue
Financial Services27.55%
Industrials17.65%
Basic Materials15.91%
Technology8.64%
Utility6.77%
Consumer Defensive5.29%
Consumer Cyclical5.17%
Health Care3.9%
Communication Services2.62%
Real Estate2.61%
Energy1.44%
Asset Allocation
Asset ClassValue
Cash1.5%
Equity98.5%
Debt0.01%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK
5%₹68 Cr355,000
State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN
5%₹66 Cr839,000
Vedanta Ltd (Basic Materials)
Equity, Since 31 Mar 24 | 500295
4%₹59 Cr1,412,000
Coforge Ltd (Technology)
Equity, Since 30 Jun 23 | COFORGE
4%₹48 Cr65,600
Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 23 | HAL
4%₹47 Cr105,000
↑ 19,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK
4%₹47 Cr329,000
↑ 24,000
Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Dec 23 | DIXON
3%₹39 Cr24,000
Ami Organics Ltd (Basic Materials)
Equity, Since 31 May 24 | 543349
3%₹36 Cr317,800
Coromandel International Ltd (Basic Materials)
Equity, Since 31 Jan 23 | 506395
3%₹35 Cr157,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 30 Sep 24 | BHARTIARTL
3%₹35 Cr186,000
↑ 35,000

3. BNP Paribas Long Term Equity Fund (ELSS)

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 CAGR/Annualized return of 12.3% since its launch.  Ranked 22 in ELSS category.  Return for 2024 was 23.6% , 2023 was 31.3% and 2022 was -2.1% .

Below is the key information for BNP Paribas Long Term Equity Fund (ELSS)

BNP Paribas Long Term Equity Fund (ELSS)
Growth
Launch Date 5 Jan 06
NAV (27 Jun 25) ₹96.1964 ↑ 0.35   (0.37 %)
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.

DateValue
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

BNP Paribas Long Term Equity Fund (ELSS) SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644
Invest Now

Returns for BNP Paribas Long Term Equity Fund (ELSS)

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jun 25

DurationReturns
1 Month 3.6%
3 Month 9.1%
6 Month 0.8%
1 Year 6.3%
3 Year 22.6%
5 Year 20.8%
10 Year
15 Year
Since launch 12.3%
Historical performance (Yearly) on absolute basis
YearReturns
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)
NameSinceTenure
Sanjay Chawla14 Mar 223.22 Yr.
Pratish Krishnan14 Mar 223.22 Yr.

Data below for BNP Paribas Long Term Equity Fund (ELSS) as on 31 May 25

Equity Sector Allocation
SectorValue
Financial Services29.59%
Industrials11.15%
Consumer Cyclical9.94%
Technology9.44%
Health Care8.21%
Basic Materials7.12%
Consumer Defensive7.07%
Energy4.5%
Utility3.31%
Communication Services3.21%
Asset Allocation
Asset ClassValue
Cash6.44%
Equity93.56%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK
7%₹63 Cr328,160
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 12 | ICICIBANK
7%₹59 Cr411,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 18 | RELIANCE
5%₹40 Cr284,200
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 19 | BHARTIARTL
3%₹28 Cr152,566
↓ -8,000
Infosys Ltd (Technology)
Equity, Since 29 Feb 24 | INFY
3%₹26 Cr173,000
↑ 20,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Dec 24 | KOTAKBANK
3%₹23 Cr104,000
Hitachi Energy India Ltd Ordinary Shares (Industrials)
Equity, Since 31 Aug 23 | POWERINDIA
2%₹21 Cr14,266
Max Financial Services Ltd (Financial Services)
Equity, Since 30 Apr 24 | 500271
2%₹21 Cr158,000
State Bank of India (Financial Services)
Equity, Since 31 Mar 22 | SBIN
2%₹19 Cr243,000
Sagility India Ltd (Healthcare)
Equity, Since 30 Nov 24 | SAGILITY
2%₹19 Cr4,551,400

4. Edelweiss Long Term Equity Fund

(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 CAGR/Annualized return of 15.8% since its launch.  Ranked 25 in ELSS category.  Return for 2024 was 20% , 2023 was 26.8% and 2022 was -0.1% .

Below is the key information for Edelweiss Long Term Equity Fund

Edelweiss Long Term Equity Fund
Growth
Launch Date 30 Dec 08
NAV (27 Jun 25) ₹112.61 ↑ 0.51   (0.45 %)
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.

DateValue
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

Edelweiss Long Term Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691
Invest Now

Returns for Edelweiss Long Term Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jun 25

DurationReturns
1 Month 4.8%
3 Month 10.8%
6 Month 3.3%
1 Year 4.6%
3 Year 21.2%
5 Year 22.2%
10 Year
15 Year
Since launch 15.8%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Ashwani Agarwalla1 Aug 231.83 Yr.
Trideep Bhattacharya1 Aug 231.83 Yr.
Raj Koradia1 Aug 240.83 Yr.

Data below for Edelweiss Long Term Equity Fund as on 31 May 25

Equity Sector Allocation
SectorValue
Financial Services38.19%
Technology10.39%
Health Care8.85%
Industrials8.62%
Consumer Cyclical7.56%
Energy5.86%
Consumer Defensive5.26%
Basic Materials4.28%
Communication Services3.96%
Utility2.4%
Real Estate1.4%
Asset Allocation
Asset ClassValue
Cash3.06%
Equity96.94%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 10 | HDFCBANK
8%₹31 Cr160,598
↑ 15,319
ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 17 | ICICIBANK
6%₹23 Cr163,216
Reliance Industries Ltd (Energy)
Equity, Since 30 Jun 15 | RELIANCE
5%₹20 Cr139,249
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Oct 19 | BHARTIARTL
4%₹16 Cr84,003
↑ 10,588
State Bank of India (Financial Services)
Equity, Since 31 May 18 | SBIN
3%₹12 Cr149,214
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 15 | LT
3%₹11 Cr33,431
Infosys Ltd (Technology)
Equity, Since 31 Jul 15 | INFY
2%₹9 Cr59,889
↓ -7,798
BSE Ltd (Financial Services)
Equity, Since 31 Mar 24 | BSE
2%₹9 Cr13,617
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Mar 25 | KOTAKBANK
2%₹8 Cr38,039
↑ 4,491
Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | 532215
2%₹8 Cr69,282

5. IDBI Equity Advantage Fund

The Scheme will seek to invest predominantly in a diversified portfolio of equity and equity related instruments with the objective to provide investors with opportunities for capital appreciation and income along with the benefit of income-tax deduction(under section 80C of the Income-tax Act, 1961) on their investments. Investments in this scheme would be subject to a statutory lock-in of 3 years from the date of allotment to be eligible for income-tax benefits under Section 80C. There can be no assurance that the investment objective under the scheme will be realized.

IDBI Equity Advantage Fund is a Equity - ELSS fund was launched on 10 Sep 13. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 16% since its launch.  Ranked 21 in ELSS category. .

Below is the key information for IDBI Equity Advantage Fund

IDBI Equity Advantage Fund
Growth
Launch Date 10 Sep 13
NAV (28 Jul 23) ₹43.39 ↑ 0.04   (0.09 %)
Net Assets (Cr) ₹485 on 30 Jun 23
Category Equity - ELSS
AMC IDBI Asset Management Limited
Rating
Risk Moderately High
Expense Ratio 2.39
Sharpe Ratio 1.21
Information Ratio -1.13
Alpha Ratio 1.78
Min Investment 500
Min SIP Investment 500
Exit Load NIL

Growth of 10,000 investment over the years.

DateValue
31 May 20₹10,000
31 May 21₹14,542
31 May 22₹15,597
31 May 23₹17,892

IDBI Equity Advantage Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859
Invest Now

Returns for IDBI Equity Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 27 Jun 25

DurationReturns
1 Month 3.1%
3 Month 9.7%
6 Month 15.1%
1 Year 16.9%
3 Year 20.8%
5 Year 10%
10 Year
15 Year
Since launch 16%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for IDBI Equity Advantage Fund
NameSinceTenure

Data below for IDBI Equity Advantage Fund as on 30 Jun 23

Equity Sector Allocation
SectorValue
Asset Allocation
Asset ClassValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

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
Disclaimer:
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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