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ईएलएसएस वि कर बचत एफडी
इक्विटी लिंक्ड सेव्हिंग स्कीम (ELSS)
ELSS एकमेव आहेम्युच्युअल फंड 80C कपातीसाठी पात्र. हा एक वैविध्यपूर्ण इक्विटी म्युच्युअल फंड आहे जो रु. पर्यंत कर वजावट देतो. 1.5 लाख वार्षिक अंतर्गतकलम 80C च्याआयकर कायदा (आयटी कायदा 1961).
फेबुरी बजेट 2018 सादर होण्यापूर्वी, त्याचे रिटर्न पूर्णपणे करमुक्त होते. तथापि, आता ते 10% दीर्घकालीन अधीन आहेभांडवल लाभ कर जर तुमचाभांडवली नफा रु. पेक्षा जास्त एक वर्षानंतर 1 लाख. 10% कर कपात केल्यानंतरही, ELSS मध्ये इतर कर-बचत साधनांच्या तुलनेत उत्कृष्ट परतावा देण्याची क्षमता आहे. ELSS गुंतवणुकीचे भत्ते फक्त एवढ्यापुरते मर्यादित नाहीतकर जतन दकंपाउंडिंगची शक्ती तुम्ही 5 वर्षांसाठी (कर बचतीचा कार्यकाळ) गुंतवणूक केल्यास तुमची गुंतवणूक दुप्पट होईल याची खात्री करतेएफडी). त्यात भर म्हणून, किमान लॉक-इन कालावधी फक्त 3 वर्षे आहे.
कर बचत मुदत ठेवी
गुंतवणूक बँकांमधील मुदत ठेवींमधील पैसे व्यक्ती आणि HUF ला कराचा दावा करू देतातवजावट रु. पर्यंत १,५०,000 आर्थिक वर्षात. या ठेवींचा लॉक-इन कालावधी 5 वर्षांचा असतो. तथापि, तुम्ही ही ठेव मुदतीपूर्वी काढू शकत नाही. परंतु तुम्ही तुमच्या FD वर स्पर्धात्मक दरांवर कर्ज मिळवू शकता. या ठेवींवर मिळणारे व्याज, तथापि, व्यक्तीच्या करपात्र किरकोळ दर (कर ब्रॅकेटनुसार) आहे.
टॅक्स सेव्हर FD चे ठळक मुद्दे
च्या प्रमुख ठळक बाबी पाहूकर बचतकर्ता FD -
- फक्त व्यक्ती आणि सदस्यहिंदू अविभक्त कुटुंब (HUF) मध्ये गुंतवणूक करू शकतातकर बचत एफडी योजना
- टॅक्स सेव्हर FD ची किमान गुंतवणूक रक्कम बदलतेबँक बँक करण्यासाठी
- टॅक्स सेव्हिंग एफडीचा लॉक-इन कालावधी पाच वर्षांचा असतो
- तुम्हाला रु. पर्यंत कर कपात मिळू शकते. १,५०,०००
- मुदतीपूर्वी पैसे काढण्याची तरतूद नाही
- तुम्ही या टॅक्स सेव्हर एफडीसाठी कर्जासाठी अर्ज करू शकत नाही
- या करबचत एफडीमध्ये गुंतवणूक कोणत्याही खाजगी किंवा सार्वजनिक क्षेत्रातील बँकेत केली जाऊ शकते (सहकारी आणि ग्रामीण बँका वगळता)
- मध्ये केलेली गुंतवणूकपोस्ट ऑफिस पाच वर्षांपेक्षा जास्त कालावधीसाठी टाइम डिपॉझिट देखील कर बचत एफडी म्हणून पात्र ठरते
- तुम्ही पोस्ट ऑफिस एफडी एका पोस्ट ऑफिसमधून दुसऱ्या पोस्ट ऑफिसमध्ये ट्रान्सफर करू शकता
- या प्रकारच्या FD मधून मिळणारे व्याज करपात्र असते आणि ते स्रोतातून कापले जाईल
- कर बचत ठेव खाते वैयक्तिक तसेच संयुक्तपणे उघडले जाऊ शकते.
- संयुक्त खात्याच्या बाबतीत, संयुक्त खात्याच्या पहिल्या धारकास कर लाभ मिळेल
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ELSS वि FD - तुलना
विविध पॅरामीटर्सवर ईएलएसएस आणि टॅक्स सेव्हिंग एफडीमधील फरकांचे येथे एक द्रुत विहंगावलोकन आहे:
| पॅरामीटर | एफडी | ELSS |
|---|---|---|
| कार्यकाळ | 5 वर्षे लॉक-इन | 3 वर्षे लॉक-इन |
| परतावा | 7.00 - 8.00 % (वार्षिक चक्रवाढ) | कोणताही निश्चित लाभांश / परतावा नाहीबाजार साधारणपणे सुमारे 16 - 17% प्रति वर्ष जोडलेले |
| मि. गुंतवणूक | रु. 1000 | रु. ५०० |
| कमाल गुंतवणूक | कोणतीही उच्च मर्यादा नाही | कोणतीही उच्च मर्यादा नाही |
| 80c अंतर्गत कपातीसाठी पात्र रक्कम | रु. १.५ लाख | रु. १.५ लाख |
| व्याज/परताव्यासाठी कर आकारणी | व्याज करपात्र | रु. पर्यंत लाभ होतो. १ लाख करमुक्त आहेत. रु. वरील नफ्यावर 10% कर लागू होतो. १ लाख |
| सुरक्षितता/रेटिंग | सुरक्षित | थोडा धोकादायक |
| तरलता | तुम्ही 5 वर्षापूर्वी टॅक्स सेव्हिंग एफडी काढू शकत नाही | तुम्ही 3 वर्षानंतर ELSS मधून बाहेर पडू शकता किंवा काढू शकता. |
| ऑनलाइन पर्याय | सर्व बँका ऑनलाइन ऑफर करत नाहीतसुविधा एफडी उघडण्यासाठी | एखादी ELSS ऑनलाइन सुरू करू शकते - एकरकमी किंवाSIP |
शीर्ष ELSS म्युच्युअल फंड FY 22 - 23
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2023 (%) Motilal Oswal Long Term Equity Fund Growth ₹42.6996
↓ -0.77 ₹3,205 9.3 29.2 55.1 25 21.5 37 BOI AXA Tax Advantage Fund Growth ₹152.77
↓ -3.21 ₹1,210 6.3 30.8 50.3 23.7 26.2 34.8 Franklin India Taxshield Growth ₹1,280.75
↓ -15.45 ₹6,180 5.4 20.9 42.3 22 18.5 31.2 JM Tax Gain Fund Growth ₹42.1342
↓ -0.95 ₹128 6.1 22.8 43.5 21.9 20.9 30.9 Nippon India Tax Saver Fund (ELSS) Growth ₹111.83
↓ -2.19 ₹14,322 5.5 22.7 41 21.3 16.1 28.6 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 9 May 24
*खाली 100 - 15000 कोटी दरम्यान AUM असलेल्या आणि 3 वर्षांपेक्षा जास्त वय असलेल्या फंडांची यादी आहे. 3 वर्षांच्या कामगिरीवर आधारित. (Erstwhile Motilal Oswal MOSt Focused Long Term Fund) The investment objective of the Scheme is to generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity related instruments. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved. Motilal Oswal Long Term Equity Fund is a Equity - ELSS fund was launched on 21 Jan 15. It is a fund with Moderately High risk and has given a Below is the key information for Motilal Oswal Long Term Equity Fund 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 primary objective for Franklin IndiaTaxshield is to provide medium to long term growth of capital along with income tax rebate Franklin India Taxshield is a Equity - ELSS fund was launched on 10 Apr 99. It is a fund with Moderately High risk and has given a Below is the key information for Franklin India Taxshield Returns up to 1 year are on 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 primary objective of the scheme is to generate long-term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments. However, there can be no assurance that the scheme’s
investment objective shall be achieved. Nippon India Tax Saver Fund (ELSS) is a Equity - ELSS fund was launched on 21 Sep 05. It is a fund with Moderately High risk and has given a Below is the key information for Nippon India Tax Saver Fund (ELSS) Returns up to 1 year are on 1. Motilal Oswal Long Term Equity Fund
CAGR/Annualized return of 17.1% since its launch. Return for 2023 was 37% , 2022 was 1.8% and 2021 was 32.1% . Motilal Oswal Long Term Equity Fund
Growth Launch Date 21 Jan 15 NAV (09 May 24) ₹42.6996 ↓ -0.77 (-1.78 %) Net Assets (Cr) ₹3,205 on 31 Mar 24 Category Equity - ELSS AMC Motilal Oswal Asset Management Co. Ltd Rating Risk Moderately High Expense Ratio 1.68 Sharpe Ratio 3.51 Information Ratio 0.61 Alpha Ratio 13.5 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹8,795 30 Apr 21 ₹13,016 30 Apr 22 ₹14,809 30 Apr 23 ₹16,224 30 Apr 24 ₹25,943 Returns for Motilal Oswal Long Term Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 May 24 Duration Returns 1 Month 2.4% 3 Month 9.3% 6 Month 29.2% 1 Year 55.1% 3 Year 25% 5 Year 21.5% 10 Year 15 Year Since launch 17.1% Historical performance (Yearly) on absolute basis
Year Returns 2023 37% 2022 1.8% 2021 32.1% 2020 8.8% 2019 13.2% 2018 -8.7% 2017 44% 2016 12.5% 2015 2014 Fund Manager information for Motilal Oswal Long Term Equity Fund
Name Since Tenure Ajay Khandelwal 11 Dec 23 0.31 Yr. Niket Shah 17 Oct 23 0.46 Yr. Rakesh Shetty 22 Nov 22 1.36 Yr. Data below for Motilal Oswal Long Term Equity Fund as on 31 Mar 24
Equity Sector Allocation
Sector Value Industrials 25.01% Financial Services 24.89% Consumer Cyclical 19.2% Health Care 11.95% Real Estate 7.12% Basic Materials 4.44% Technology 2.8% Utility 2.62% Asset Allocation
Asset Class Value Cash 1.97% Equity 98.03% Top Securities Holdings / Portfolio
Name Holding Value Quantity Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | 5433207% ₹237 Cr 13,000,000 Jio Financial Services Ltd (Financial Services)
Equity, Since 31 Oct 23 | 5439406% ₹203 Cr 5,726,957
↓ -1,073,043 Trent Ltd (Consumer Cyclical)
Equity, Since 31 Aug 22 | 5002516% ₹187 Cr 474,799 Global Health Ltd (Healthcare)
Equity, Since 30 Nov 22 | 5436545% ₹163 Cr 1,235,145 IndusInd Bank Ltd (Financial Services)
Equity, Since 31 Mar 23 | INDUSINDBK5% ₹155 Cr 1,000,000 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | 5432784% ₹141 Cr 3,296,932 Prestige Estates Projects Ltd (Real Estate)
Equity, Since 31 Oct 23 | 5332744% ₹135 Cr 1,150,000 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | ICICIBANK4% ₹128 Cr 1,170,000 Fortis Healthcare Ltd (Healthcare)
Equity, Since 31 Aug 21 | 5328434% ₹117 Cr 2,775,000 Apar Industries Ltd (Industrials)
Equity, Since 31 Dec 23 | 5322593% ₹104 Cr 148,305
↑ 28,500 2. BOI AXA Tax Advantage Fund
CAGR/Annualized return of 19.8% since its launch. Ranked 13 in ELSS category. Return for 2023 was 34.8% , 2022 was -1.3% and 2021 was 41.5% . BOI AXA Tax Advantage Fund
Growth Launch Date 25 Feb 09 NAV (09 May 24) ₹152.77 ↓ -3.21 (-2.06 %) Net Assets (Cr) ₹1,210 on 31 Mar 24 Category Equity - ELSS AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 2.49 Sharpe Ratio 3 Information Ratio 0.75 Alpha Ratio 7.1 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹10,168 30 Apr 21 ₹16,354 30 Apr 22 ₹19,161 30 Apr 23 ₹20,449 30 Apr 24 ₹31,762 Returns for BOI AXA Tax Advantage Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 May 24 Duration Returns 1 Month 0.3% 3 Month 6.3% 6 Month 30.8% 1 Year 50.3% 3 Year 23.7% 5 Year 26.2% 10 Year 15 Year Since launch 19.8% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 44% Fund Manager information for BOI AXA Tax Advantage Fund
Name Since Tenure Alok Singh 27 Apr 22 1.93 Yr. Data below for BOI AXA Tax Advantage Fund as on 31 Mar 24
Equity Sector Allocation
Sector Value Financial Services 26.09% Industrials 15.01% Basic Materials 13.12% Consumer Cyclical 11.68% Health Care 7.86% Energy 6.67% Technology 4.65% Utility 4.07% Consumer Defensive 3.51% Real Estate 1.84% Asset Allocation
Asset Class Value Cash 5.45% Equity 94.51% Debt 0.04% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN4% ₹50 Cr 660,000
↑ 40,000 Canara Bank (Financial Services)
Equity, Since 31 Aug 22 | 5324834% ₹43 Cr 745,000
↑ 50,000 Oil India Ltd (Energy)
Equity, Since 31 Mar 23 | 5331063% ₹42 Cr 702,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK3% ₹41 Cr 280,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE3% ₹39 Cr 130,000 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 30 Jun 22 | SUNPHARMA3% ₹35 Cr 217,000 Bank of Baroda (Financial Services)
Equity, Since 31 Oct 22 | 5321343% ₹33 Cr 1,236,338 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 22 | LT3% ₹31 Cr 82,800 NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | 5325553% ₹31 Cr 920,000 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 23 | 5411542% ₹29 Cr 86,000
↑ 18,000 3. Franklin India Taxshield
CAGR/Annualized return of 21.4% since its launch. Ranked 28 in ELSS category. Return for 2023 was 31.2% , 2022 was 5.4% and 2021 was 36.7% . Franklin India Taxshield
Growth Launch Date 10 Apr 99 NAV (09 May 24) ₹1,280.75 ↓ -15.45 (-1.19 %) Net Assets (Cr) ₹6,180 on 31 Mar 24 Category Equity - ELSS AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderately High Expense Ratio 1.91 Sharpe Ratio 3.25 Information Ratio 0.69 Alpha Ratio 6.43 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹7,687 30 Apr 21 ₹12,196 30 Apr 22 ₹14,656 30 Apr 23 ₹15,706 30 Apr 24 ₹22,853 Returns for Franklin India Taxshield
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 May 24 Duration Returns 1 Month 0.2% 3 Month 5.4% 6 Month 20.9% 1 Year 42.3% 3 Year 22% 5 Year 18.5% 10 Year 15 Year Since launch 21.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 31.2% 2022 5.4% 2021 36.7% 2020 9.8% 2019 5.1% 2018 -3% 2017 29.1% 2016 4.7% 2015 4% 2014 56.9% Fund Manager information for Franklin India Taxshield
Name Since Tenure R. Janakiraman 2 May 16 7.92 Yr. Rajasa Kakulavarapu 1 Dec 23 0.33 Yr. Data below for Franklin India Taxshield as on 31 Mar 24
Equity Sector Allocation
Sector Value Financial Services 26.5% Industrials 15.45% Consumer Cyclical 13.12% Technology 10.27% Consumer Defensive 7.37% Basic Materials 5.97% Communication Services 5.37% Utility 5.32% Energy 4.52% Health Care 4.36% Asset Allocation
Asset Class Value Cash 1.75% Equity 98.25% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK8% ₹503 Cr 4,600,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 07 | HDFCBANK6% ₹391 Cr 2,700,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 19 | LT6% ₹363 Cr 964,705 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 07 | BHARTIARTL5% ₹332 Cr 2,700,000 Infosys Ltd (Technology)
Equity, Since 29 Feb 12 | INFY5% ₹312 Cr 2,084,000 State Bank of India (Financial Services)
Equity, Since 31 Aug 15 | SBIN4% ₹245 Cr 3,251,300 Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 14 | 5322154% ₹236 Cr 2,252,948
↓ -171,414 HCL Technologies Ltd (Technology)
Equity, Since 31 Oct 21 | HCLTECH4% ₹230 Cr 1,491,000 NTPC Ltd (Utilities)
Equity, Since 31 Oct 16 | 5325553% ₹197 Cr 5,867,776 United Spirits Ltd (Consumer Defensive)
Equity, Since 31 Oct 18 | 5324323% ₹187 Cr 1,650,000 4. JM Tax Gain Fund
CAGR/Annualized return of 9.3% since its launch. Ranked 18 in ELSS category. Return for 2023 was 30.9% , 2022 was 0.5% and 2021 was 32.2% . JM Tax Gain Fund
Growth Launch Date 31 Mar 08 NAV (09 May 24) ₹42.1342 ↓ -0.95 (-2.19 %) Net Assets (Cr) ₹128 on 31 Mar 24 Category Equity - ELSS AMC JM Financial Asset Management Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 2.43 Sharpe Ratio 2.83 Information Ratio 0.19 Alpha Ratio 6.84 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹8,658 30 Apr 21 ₹13,663 30 Apr 22 ₹16,023 30 Apr 23 ₹17,041 30 Apr 24 ₹25,902 Returns for JM Tax Gain Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 May 24 Duration Returns 1 Month 0.6% 3 Month 6.1% 6 Month 22.8% 1 Year 43.5% 3 Year 21.9% 5 Year 20.9% 10 Year 15 Year Since launch 9.3% Historical performance (Yearly) on absolute basis
Year Returns 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% 2014 54.9% Fund Manager information for JM Tax Gain Fund
Name Since Tenure Asit Bhandarkar 31 Dec 21 2.25 Yr. Gurvinder Wasan 1 Dec 22 1.33 Yr. Chaitanya Choksi 18 Jul 14 9.71 Yr. Data below for JM Tax Gain Fund as on 31 Mar 24
Equity Sector Allocation
Sector Value Financial Services 22.56% Industrials 18.83% Technology 13.07% Consumer Cyclical 12.05% Basic Materials 9.4% Communication Services 6.09% Consumer Defensive 5.06% Utility 4% Real Estate 3.25% Health Care 2.76% Asset Allocation
Asset Class Value Cash 2.93% Equity 97.07% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 11 | HDFCBANK5% ₹7 Cr 46,131
↓ -1,750 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | ICICIBANK5% ₹7 Cr 60,975
↑ 11,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 10 | LT5% ₹6 Cr 15,500
↑ 2,000 Infosys Ltd (Technology)
Equity, Since 31 Aug 18 | INFY4% ₹5 Cr 34,215 Tata Motors Ltd Class A (Consumer Cyclical)
Equity, Since 31 Jul 23 | TATAMTRDVR3% ₹4 Cr 57,500
↑ 10,000 Power Finance Corp Ltd (Financial Services)
Equity, Since 30 Nov 22 | 5328103% ₹3 Cr 89,125
↑ 7,500 State Bank of India (Financial Services)
Equity, Since 31 Aug 20 | SBIN3% ₹3 Cr 45,400 Thermax Ltd (Industrials)
Equity, Since 31 Dec 23 | THERMAX3% ₹3 Cr 7,900
↓ -350 NTPC Ltd (Utilities)
Equity, Since 31 Dec 23 | 5325553% ₹3 Cr 97,000 Bank of Baroda (Financial Services)
Equity, Since 30 Sep 22 | 5321343% ₹3 Cr 123,000 5. Nippon India Tax Saver Fund (ELSS)
CAGR/Annualized return of 14% since its launch. Ranked 16 in ELSS category. Return for 2023 was 28.6% , 2022 was 6.9% and 2021 was 37.6% . Nippon India Tax Saver Fund (ELSS)
Growth Launch Date 21 Sep 05 NAV (09 May 24) ₹111.83 ↓ -2.19 (-1.92 %) Net Assets (Cr) ₹14,322 on 31 Mar 24 Category Equity - ELSS AMC Nippon Life Asset Management Ltd. Rating ☆☆☆ Risk Moderately High Expense Ratio 1.8 Sharpe Ratio 2.83 Information Ratio 0.51 Alpha Ratio 2.49 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 30 Apr 19 ₹10,000 30 Apr 20 ₹7,259 30 Apr 21 ₹11,160 30 Apr 22 ₹13,494 30 Apr 23 ₹14,197 30 Apr 24 ₹20,526 Returns for Nippon India Tax Saver Fund (ELSS)
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 9 May 24 Duration Returns 1 Month 1.2% 3 Month 5.5% 6 Month 22.7% 1 Year 41% 3 Year 21.3% 5 Year 16.1% 10 Year 15 Year Since launch 14% Historical performance (Yearly) on absolute basis
Year Returns 2023 28.6% 2022 6.9% 2021 37.6% 2020 -0.4% 2019 1.5% 2018 -20.7% 2017 46% 2016 4.2% 2015 -2.9% 2014 83% Fund Manager information for Nippon India Tax Saver Fund (ELSS)
Name Since Tenure Rupesh Patel 1 Jul 21 2.75 Yr. Ashutosh Bhargava 1 Jul 20 3.75 Yr. Kinjal Desai 25 May 18 5.86 Yr. Data below for Nippon India Tax Saver Fund (ELSS) as on 31 Mar 24
Equity Sector Allocation
Sector Value Financial Services 35.25% Consumer Cyclical 13.1% Industrials 10.14% Consumer Defensive 8.46% Basic Materials 6.56% Utility 6.28% Energy 5.38% Technology 5.14% Health Care 3.95% Communication Services 2.82% Real Estate 1.59% Asset Allocation
Asset Class Value Cash 1.33% Equity 98.67% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 28 Feb 15 | ICICIBANK7% ₹1,071 Cr 9,800,000 HDFC Bank Ltd (Financial Services)
Equity, Since 29 Feb 20 | HDFCBANK7% ₹970 Cr 6,700,000 Infosys Ltd (Technology)
Equity, Since 31 Mar 20 | INFY4% ₹614 Cr 4,100,000 NTPC Ltd (Utilities)
Equity, Since 28 Feb 19 | 5325554% ₹524 Cr 15,600,000
↓ -600,000 Axis Bank Ltd (Financial Services)
Equity, Since 30 Apr 20 | 5322154% ₹508 Cr 4,850,000 State Bank of India (Financial Services)
Equity, Since 31 Dec 13 | SBIN4% ₹504 Cr 6,700,000
↓ -200,000 Reliance Industries Ltd (Energy)
Equity, Since 31 Mar 20 | RELIANCE3% ₹475 Cr 1,600,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 May 18 | LT3% ₹442 Cr 1,173,822 Samvardhana Motherson International Ltd (Consumer Cyclical)
Equity, Since 30 Nov 21 | MOTHERSON3% ₹359 Cr 30,700,000 Power Finance Corp Ltd (Financial Services)
Equity, Since 30 Nov 22 | 5328102% ₹312 Cr 8,000,000
↑ 625,000
तुम्ही ELSS किंवा टॅक्स सेव्हिंग FD मध्ये गुंतवणूक करावी का?
नवीन गुंतवणूक उपक्रमात येण्यापूर्वी लोक अनेक गोष्टींचा विचार करतात. वय, गुंतवणुकीचे क्षितिज आणिजोखीम भूक काही महत्त्वाचे घटक आहेत. ज्या लोकांना संपत्ती वाढीचे आणि कर लाभाचे दुहेरी लाभ हवे आहेत ते ELSS ला प्राधान्य देतात. उदाहरणार्थ, दीर्घ गुंतवणुकीचे क्षितिज आणि उच्च जोखीम असलेल्या नवीन गुंतवणूकदारांना ELSS हा एक योग्य पर्याय वाटतो. जवळचे लोकसेवानिवृत्ती टॅक्स सेव्हिंग एफडीमध्ये गुंतवणूक करू शकता कारण त्यांच्याकडे कमी जोखीम आणि दीर्घकालीन (किमान 5 वर्षे किंवा त्याहून अधिक) परताव्याची हमी असते.
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