fincash logo SOLUTIONS
EXPLORE FUNDS
CALCULATORS
LOG IN
SIGN UP

फिनकैश »म्यूचुअल फंड्स »टैक्स सेवर

अन्य टैक्स सेविंग निवेशों पर ईएलएसएस क्यों?

Updated on May 31, 2023 , 1356 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 (%)2022 (%)
BOI AXA Tax Advantage Fund Growth ₹105.01
↑ 0.70
₹73980.716.127.713.4-1.3
PGIM India Tax Savings Fund Growth ₹25.83
↑ 0.04
₹4947.51.514.527.7134.7
Mahindra Mutual Fund Kar Bachat Yojana Growth ₹20.1837
↑ 0.12
₹5677.51.714.72711.92
Principal Tax Savings Fund Growth ₹351.448
↑ 1.57
₹9677.1-0.112.325.910.84.3
Sundaram Diversified Equity Fund Growth ₹159.844
↑ 0.55
₹1,6226.90.313.125.79.24
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Jun 23

Ready to Invest?
Talk to our investment specialist
Disclaimer:
By submitting this form I authorize Fincash.com to call/SMS/email me about its products and I accept the terms of Privacy Policy and Terms & Conditions.

1. 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 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% .

Below is the key information for BOI AXA Tax Advantage Fund

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.

DateValue
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

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 ₹426,080.
Net Profit of ₹126,080
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 2 Jun 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Alok Singh27 Apr 221.01 Yr.

Data below for BOI AXA Tax Advantage Fund as on 30 Apr 23

Equity Sector Allocation
SectorValue
Financial Services36.97%
Industrials10.94%
Consumer Defensive9.81%
Basic Materials9.14%
Health Care6.44%
Utility5.55%
Energy5.02%
Consumer Cyclical3.56%
Technology2.9%
Real Estate1.98%
Communication Services0.69%
Asset Allocation
Asset ClassValue
Cash6.92%
Equity93.01%
Debt0.07%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK
7%₹49 Cr529,340
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK
6%₹45 Cr265,000
State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN
6%₹45 Cr770,000
Canara Bank (Financial Services)
Equity, Since 31 Aug 22 | CANBK
4%₹28 Cr895,000
Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE
3%₹22 Cr91,009
NTPC Ltd Shs Dematerialised (Utilities)
Equity, Since 30 Apr 22 | NTPC
3%₹22 Cr1,260,000
ITC Ltd Shs Dematerialised (Consumer Defensive)
Equity, Since 31 May 22 | ITC
3%₹20 Cr473,223
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 22 | LT
2%₹18 Cr76,000
↑ 5,000
Balrampur Chini Mills Ltd (Consumer Defensive)
Equity, Since 30 Apr 22 | BALRAMCHIN
2%₹18 Cr432,000
Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 22 | AXISBANK
2%₹18 Cr204,000

2. PGIM India Tax Savings Fund

"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 CAGR/Annualized return of 13.5% since its launch.  Return for 2022 was 4.7% , 2021 was 37.5% and 2020 was 17.9% .

Below is the key information for PGIM India Tax Savings Fund

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 Not Rated
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.

DateValue
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

PGIM India Tax Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080
Invest Now

Returns for PGIM India Tax Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jun 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Bhupesh Kalyani1 Apr 230.08 Yr.
Vinay Paharia1 Apr 230.08 Yr.
Anandha Padmanabhan Anjeneyan1 Apr 230.08 Yr.
Ojasvi Khicha1 Apr 230.08 Yr.

Data below for PGIM India Tax Savings Fund as on 30 Apr 23

Equity Sector Allocation
SectorValue
Financial Services31.62%
Consumer Cyclical9.55%
Industrials8.64%
Technology8.53%
Consumer Defensive7.92%
Energy7.09%
Health Care7%
Basic Materials6.85%
Utility3.49%
Communication Services2.03%
Real Estate0.79%
Asset Allocation
Asset ClassValue
Cash6.49%
Equity93.51%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 15 | HDFCBANK
8%₹37 Cr222,200
Reliance Industries Ltd (Energy)
Equity, Since 31 Aug 17 | RELIANCE
7%₹35 Cr144,750
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | ICICIBANK
6%₹27 Cr298,500
Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Sep 17 | LT
5%₹23 Cr95,664
Infosys Ltd (Technology)
Equity, Since 31 Dec 15 | INFY
4%₹20 Cr161,129
Axis Bank Ltd (Financial Services)
Equity, Since 30 Nov 21 | AXISBANK
4%₹19 Cr218,000
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Oct 17 | HDFC
3%₹17 Cr61,500
↑ 14,800
ITC Ltd Shs Dematerialised (Consumer Defensive)
Equity, Since 31 Aug 17 | ITC
3%₹17 Cr400,000
State Bank of India (Financial Services)
Equity, Since 31 Oct 18 | SBIN
2%₹10 Cr178,174
↓ -116,000
HCL Technologies Ltd (Technology)
Equity, Since 31 Aug 20 | HCLTECH
2%₹10 Cr96,100

3. Mahindra Mutual Fund Kar Bachat Yojana

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 CAGR/Annualized return of 11.1% since its launch.  Return for 2022 was 2% , 2021 was 39.4% and 2020 was 14.1% .

Below is the key information for Mahindra Mutual Fund Kar Bachat Yojana

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 Not Rated
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.

DateValue
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

Mahindra Mutual Fund Kar Bachat Yojana SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518
Invest Now

Returns for Mahindra Mutual Fund Kar Bachat Yojana

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jun 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Manish Lodha21 Dec 202.36 Yr.
Fatema Pacha16 Oct 202.54 Yr.

Data below for Mahindra Mutual Fund Kar Bachat Yojana as on 30 Apr 23

Equity Sector Allocation
SectorValue
Financial Services31.8%
Consumer Cyclical12.81%
Technology12.71%
Basic Materials10.5%
Industrials9.56%
Health Care5.78%
Energy5.22%
Consumer Defensive3.92%
Real Estate2.54%
Utility1.5%
Asset Allocation
Asset ClassValue
Cash3.65%
Equity96.35%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 May 19 | ICICIBANK
9%₹52 Cr567,120
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | HDFCBANK
9%₹52 Cr307,676
Infosys Ltd (Technology)
Equity, Since 29 Feb 20 | INFY
6%₹36 Cr286,807
Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 18 | RELIANCE
5%₹30 Cr122,154
Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 21 | 532215
4%₹21 Cr249,631
Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Nov 21 | BAJFINANCE
3%₹19 Cr31,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Aug 18 | LT
3%₹17 Cr71,542
Hindustan Unilever Ltd (Consumer Defensive)
Equity, Since 30 Apr 20 | HINDUNILVR
3%₹17 Cr68,112
Tata Consultancy Services Ltd Shs Dematerialised (Technology)
Equity, Since 31 May 19 | TCS
3%₹16 Cr49,286
Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 28 Feb 18 | MARUTI
3%₹15 Cr17,376

4. Principal Tax Savings Fund

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 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% .

Below is the key information for Principal Tax Savings Fund

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.

DateValue
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

Principal Tax Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578
Invest Now

Returns for Principal Tax Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jun 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Sudhir Kedia29 Oct 193.51 Yr.
Rohit Seksaria1 Jan 221.33 Yr.

Data below for Principal Tax Savings Fund as on 30 Apr 23

Equity Sector Allocation
SectorValue
Financial Services35.72%
Consumer Cyclical12.73%
Industrials11.18%
Technology10.08%
Consumer Defensive6.56%
Energy6.46%
Basic Materials4.4%
Health Care3.77%
Communication Services1.2%
Real Estate0.62%
Asset Allocation
Asset ClassValue
Cash7.24%
Equity92.76%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 09 | ICICIBANK
7%₹71 Cr770,000
Reliance Industries Ltd (Energy)
Equity, Since 31 Dec 21 | RELIANCE
6%₹62 Cr258,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jul 09 | HDFCBANK
6%₹57 Cr335,117
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 30 Jun 08 | HDFC
5%₹44 Cr157,000
Infosys Ltd (Technology)
Equity, Since 31 Jan 09 | INFY
4%₹42 Cr333,000
↑ 15,000
State Bank of India (Financial Services)
Equity, Since 30 Apr 05 | SBIN
4%₹39 Cr683,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Sep 17 | 532215
3%₹29 Cr334,000
Tata Consultancy Services Ltd Shs Dematerialised (Technology)
Equity, Since 30 Apr 14 | TCS
3%₹25 Cr78,000
Ashok Leyland Ltd Shs Dematerialised (Industrials)
Equity, Since 31 Aug 20 | 500477
2%₹24 Cr1,630,000
Polycab India Ltd (Industrials)
Equity, Since 30 Nov 20 | 542652
2%₹21 Cr67,000
↓ -6,000

5. Sundaram Diversified Equity Fund

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 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% .

Below is the key information for Sundaram Diversified Equity Fund

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.

DateValue
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

Sundaram Diversified 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 ₹385,859.
Net Profit of ₹85,859
Invest Now

Returns for Sundaram Diversified 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 2 Jun 23

DurationReturns
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
YearReturns
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
NameSinceTenure
Sudhir Kedia1 Jan 221.33 Yr.
Rohit Seksaria24 Feb 212.18 Yr.

Data below for Sundaram Diversified Equity Fund as on 30 Apr 23

Equity Sector Allocation
SectorValue
Financial Services37.08%
Industrials12.77%
Technology11.26%
Consumer Cyclical11.01%
Consumer Defensive7.76%
Energy6.67%
Basic Materials5.07%
Health Care2.8%
Communication Services1.81%
Real Estate0.57%
Asset Allocation
Asset ClassValue
Cash3.19%
Equity96.81%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 11 | ICICIBANK
8%₹124 Cr1,348,000
Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 12 | RELIANCE
7%₹108 Cr447,000
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 13 | HDFCBANK
6%₹103 Cr611,000
Housing Development Finance Corp Ltd (Financial Services)
Equity, Since 31 Jul 19 | HDFC
5%₹75 Cr272,000
Infosys Ltd (Technology)
Equity, Since 30 Nov 16 | INFY
4%₹71 Cr570,000
State Bank of India (Financial Services)
Equity, Since 31 Aug 20 | SBIN
4%₹70 Cr1,207,000
Tata Consultancy Services Ltd Shs Dematerialised (Technology)
Equity, Since 31 Jul 20 | TCS
3%₹53 Cr165,000
Axis Bank Ltd (Financial Services)
Equity, Since 31 May 18 | 532215
3%₹51 Cr590,000
Ashok Leyland Ltd Shs Dematerialised (Industrials)
Equity, Since 31 Jan 22 | 500477
3%₹46 Cr3,184,000
Larsen & Toubro Ltd (Industrials)
Equity, Since 31 May 18 | LT
2%₹38 Cr160,000
↓ -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
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।
How helpful was this page ?
Rated 4.6, based on 5 reviews.
POST A COMMENT