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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 (%) 2024 (%) JM Tax Gain Fund Growth ₹46.3071
↓ -0.36 ₹189 7.1 -1.7 4.3 23.1 28.7 29 BNP Paribas Long Term Equity Fund (ELSS) Growth ₹91.895
↓ -1.17 ₹886 8.9 1.1 8.8 21.4 23.1 23.6 BOI AXA Tax Advantage Fund Growth ₹157.12
↓ -2.26 ₹1,324 9.6 -3.4 -1.9 21.1 27 21.6 IDBI Equity Advantage Fund Growth ₹43.39
↑ 0.04 ₹485 9.7 15.1 16.9 20.8 10 HDFC Long Term Advantage Fund Growth ₹595.168
↑ 0.28 ₹1,318 1.2 15.4 35.5 20.6 17.4 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 May 25
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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 Below is the key information for JM Tax Gain Fund Returns up to 1 year are on 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 Below is the key information for BNP Paribas Long Term Equity Fund (ELSS) Returns up to 1 year are on 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 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 Below is the key information for IDBI Equity Advantage 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 1. JM Tax Gain Fund
CAGR/Annualized return of 9.4% since its launch. Ranked 18 in ELSS category. Return for 2024 was 29% , 2023 was 30.9% and 2022 was 0.5% . JM Tax Gain Fund
Growth Launch Date 31 Mar 08 NAV (20 May 25) ₹46.3071 ↓ -0.36 (-0.77 %) Net Assets (Cr) ₹189 on 30 Apr 25 Category Equity - ELSS AMC JM Financial Asset Management Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 2.4 Sharpe Ratio -0.11 Information Ratio 0.6 Alpha Ratio -2.15 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 ₹15,781 30 Apr 22 ₹18,506 30 Apr 23 ₹19,683 30 Apr 24 ₹29,917 30 Apr 25 ₹30,876 Returns for JM Tax Gain Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 25 Duration Returns 1 Month 3.5% 3 Month 7.1% 6 Month -1.7% 1 Year 4.3% 3 Year 23.1% 5 Year 28.7% 10 Year 15 Year Since launch 9.4% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Satish Ramanathan 1 Oct 24 0.58 Yr. Asit Bhandarkar 31 Dec 21 3.33 Yr. Ruchi Fozdar 4 Oct 24 0.57 Yr. Deepak Gupta 11 Apr 25 0.05 Yr. Data below for JM Tax Gain Fund as on 30 Apr 25
Equity Sector Allocation
Sector Value Financial Services 29% Consumer Cyclical 13.65% Basic Materials 13.62% Industrials 11.55% Technology 9.09% Health Care 8.2% Consumer Defensive 5.61% Communication Services 3.03% Utility 1.22% Energy 1.12% Real Estate 1.02% Asset Allocation
Asset Class Value Cash 2.89% Equity 97.11% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | ICICIBANK6% ₹11 Cr 77,975 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 10 | LT5% ₹10 Cr 28,947
↑ 14,500 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 11 | HDFCBANK5% ₹9 Cr 49,131 Infosys Ltd (Technology)
Equity, Since 31 Aug 18 | INFY4% ₹7 Cr 45,965 Maruti Suzuki India Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | MARUTI3% ₹6 Cr 4,706 State Bank of India (Financial Services)
Equity, Since 31 Aug 20 | SBIN3% ₹6 Cr 72,900 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Mar 24 | BHARTIARTL3% ₹6 Cr 30,700 Bajaj Auto Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | 5329773% ₹5 Cr 6,300
↓ -1,000 CreditAccess Grameen Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Oct 24 | CREDITACC3% ₹5 Cr 43,600 OneSource Specialty Pharma Ltd (Healthcare)
Equity, Since 31 Jan 25 | ONESOURCE2% ₹5 Cr 28,195 2. BNP Paribas Long Term Equity Fund (ELSS)
CAGR/Annualized return of 12.2% since its launch. Ranked 22 in ELSS category. Return for 2024 was 23.6% , 2023 was 31.3% and 2022 was -2.1% . BNP Paribas Long Term Equity Fund (ELSS)
Growth Launch Date 5 Jan 06 NAV (20 May 25) ₹91.895 ↓ -1.17 (-1.25 %) Net Assets (Cr) ₹886 on 30 Apr 25 Category Equity - ELSS AMC BNP Paribas Asset Mgmt India Pvt. Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 2.29 Sharpe Ratio 0.06 Information Ratio 0.33 Alpha Ratio 0.59 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 ₹14,238 30 Apr 22 ₹15,881 30 Apr 23 ₹16,353 30 Apr 24 ₹23,753 30 Apr 25 ₹25,305 Returns for BNP Paribas Long Term Equity Fund (ELSS)
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 25 Duration Returns 1 Month 3.7% 3 Month 8.9% 6 Month 1.1% 1 Year 8.8% 3 Year 21.4% 5 Year 23.1% 10 Year 15 Year Since launch 12.2% Historical performance (Yearly) on absolute basis
Year Returns 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)
Name Since Tenure Sanjay Chawla 14 Mar 22 3.13 Yr. Pratish Krishnan 14 Mar 22 3.13 Yr. Data below for BNP Paribas Long Term Equity Fund (ELSS) as on 30 Apr 25
Equity Sector Allocation
Sector Value Financial Services 29.59% Industrials 11.15% Consumer Cyclical 9.94% Technology 9.44% Health Care 8.21% Basic Materials 7.12% Consumer Defensive 7.07% Energy 4.5% Utility 3.31% Communication Services 3.21% Asset Allocation
Asset Class Value Cash 6.44% Equity 93.56% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK7% ₹63 Cr 328,160 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 12 | ICICIBANK7% ₹59 Cr 411,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Oct 18 | RELIANCE5% ₹40 Cr 284,200 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 May 19 | BHARTIARTL3% ₹28 Cr 152,566
↓ -8,000 Infosys Ltd (Technology)
Equity, Since 29 Feb 24 | INFY3% ₹26 Cr 173,000
↑ 20,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Dec 24 | KOTAKBANK3% ₹23 Cr 104,000 Hitachi Energy India Ltd Ordinary Shares (Industrials)
Equity, Since 31 Aug 23 | POWERINDIA2% ₹21 Cr 14,266 Max Financial Services Ltd (Financial Services)
Equity, Since 30 Apr 24 | 5002712% ₹21 Cr 158,000 State Bank of India (Financial Services)
Equity, Since 31 Mar 22 | SBIN2% ₹19 Cr 243,000 Sagility India Ltd (Healthcare)
Equity, Since 30 Nov 24 | SAGILITY2% ₹19 Cr 4,551,400 3. BOI AXA Tax Advantage Fund
CAGR/Annualized return of 18.5% since its launch. Ranked 13 in ELSS category. Return for 2024 was 21.6% , 2023 was 34.8% and 2022 was -1.3% . BOI AXA Tax Advantage Fund
Growth Launch Date 25 Feb 09 NAV (20 May 25) ₹157.12 ↓ -2.26 (-1.42 %) Net Assets (Cr) ₹1,324 on 30 Apr 25 Category Equity - ELSS AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 2.37 Sharpe Ratio -0.5 Information Ratio 0.14 Alpha Ratio -10.46 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 ₹16,084 30 Apr 22 ₹18,845 30 Apr 23 ₹20,112 30 Apr 24 ₹31,238 30 Apr 25 ₹29,521 Returns for BOI AXA Tax Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 25 Duration Returns 1 Month 4.8% 3 Month 9.6% 6 Month -3.4% 1 Year -1.9% 3 Year 21.1% 5 Year 27% 10 Year 15 Year Since launch 18.5% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Alok Singh 27 Apr 22 3.01 Yr. Data below for BOI AXA Tax Advantage Fund as on 30 Apr 25
Equity Sector Allocation
Sector Value Financial Services 26.06% Basic Materials 15.61% Industrials 15.18% Technology 11.98% Utility 6.77% Consumer Cyclical 5.09% Consumer Defensive 4.01% Health Care 3.65% Real Estate 2.62% Communication Services 1.98% Energy 1.31% Asset Allocation
Asset Class Value Cash 5.72% Equity 94.27% Debt 0.01% Top Securities Holdings / Portfolio
Name Holding Value Quantity Vedanta Ltd (Basic Materials)
Equity, Since 31 Mar 24 | 5002955% ₹65 Cr 1,412,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK5% ₹65 Cr 355,000 State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN5% ₹65 Cr 839,000 Coforge Ltd (Technology)
Equity, Since 30 Jun 23 | COFORGE4% ₹53 Cr 65,600 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK3% ₹41 Cr 305,000
↑ 20,000 Ami Organics Ltd (Basic Materials)
Equity, Since 31 May 24 | 5433493% ₹39 Cr 158,900
↓ -2,571 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 23 | HAL3% ₹36 Cr 86,000 NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | 5325553% ₹34 Cr 955,000 REC Ltd (Financial Services)
Equity, Since 30 Sep 23 | 5329552% ₹32 Cr 741,000
↑ 121,000 Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Dec 23 | DIXON2% ₹32 Cr 24,000 4. IDBI Equity Advantage Fund
CAGR/Annualized return of 16% since its launch. Ranked 21 in ELSS category. . 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.
Date Value 30 Apr 20 ₹10,000 30 Apr 21 ₹13,380 30 Apr 22 ₹15,825 30 Apr 23 ₹16,739 Returns for IDBI Equity Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 May 25 Duration Returns 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
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for IDBI Equity Advantage Fund
Name Since Tenure Data below for IDBI Equity Advantage Fund as on 30 Jun 23
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 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 20 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
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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