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અન્ય કર બચત રોકાણો પર ELSS શા માટે

Updated on December 20, 2024 , 2069 views

ELSS ઇક્વિટી લિંક્ડ સેવિંગ્સ સ્કીમ તરીકે પણ ઓળખાતા ફંડ્સ એ ઇક્વિટી-ડાઇવર્સિફાઇડ ટેક્સ સેવિંગ મ્યુચ્યુઅલ ફંડ છે જે મોટાભાગે તેની અસ્કયામતોમાં રોકાણ કરે છે.ઇક્વિટી અથવા શેર બજારો જેવા ઇક્વિટી-લિંક્ડ સાધનો. આ ELSSમ્યુચ્યુઅલ ફંડ ઓફરબજાર-લિંક્ડ વળતર, જે અસ્થિર છે અને બજારની સ્થિતિ પર આધારિત છે. જો કે,નાણાકીય સલાહકારો સૂચવે છેરોકાણ ELSS ફંડ્સમાં લાંબા ગાળા માટે, કારણ કે આ ELSS મ્યુચ્યુઅલ ફંડ્સ જ્યારે લાંબા ગાળા માટે રોકાણ કરવામાં આવે ત્યારે શ્રેષ્ઠ વળતર આપે છે. તાજેતરના અહેવાલોમાં, એવું જોવામાં આવ્યું હતું કે 3 વર્ષ માટે રોકાણ કરવામાં આવે ત્યારે ELSS ફંડે લગભગ 20%-30% વળતર જનરેટ કર્યું હતું, જે અન્ય મ્યુચ્યુઅલ ફંડ્સ દ્વારા જનરેટ કરાયેલા વળતર કરતાં ઘણું વધારે છે.

ELSS અને અન્ય કર બચત રોકાણ વિકલ્પોની સરખામણી

ELSS અને અન્ય કર બચતની સરખામણી કાર્યકાળ, વળતર, માટે પાત્રતા જેવા પરિમાણો પર આધારિત છેકપાત હેઠળ80c, વગેરે

ચાલો એક નજર કરીએ:

પરિમાણ	પીપીએફ	એનએસસી	FD	ELSS
કાર્યકાળ	15 વર્ષ	6 વર્ષ	5 વર્ષ	3 વર્ષ
પરત કરે છે	7.60 % (વાર્ષિક સંયોજન)	7.60 % (વાર્ષિક સંયોજન)	7.00 - 8.00 % (વાર્ષિક સંયોજન)	કોઈ ખાતરીપૂર્વકનું ડિવિડન્ડ / વળતર નહીં કારણ કે તે બજાર સાથે જોડાયેલું છે
મિનિ. રોકાણ	રૂ. 500	રૂ. 100	રૂ. 1000	રૂ. 500
મહત્તમ રોકાણ	રૂ. 1.5 લાખ	કોઈ ઉચ્ચ મર્યાદા નથી	કોઈ ઉચ્ચ મર્યાદા નથી	કોઈ ઉચ્ચ મર્યાદા નથી
80c હેઠળ કપાત માટે પાત્ર રકમ	રૂ. 1.5 લાખ	રૂ. 1.5 લાખ	રૂ. 1.5 લાખ	રૂ. 1.5 લાખ
વ્યાજ/વળતર માટે કરવેરા	કરમુક્ત	વ્યાજ કરપાત્ર	વ્યાજ કરપાત્ર	1 લાખ સુધીના લાભો કરમુક્ત છે. 1 લાખ રૂપિયાથી વધુના નફા પર 10% ટેક્સ લાગુ થાય છે
સલામતી/રેટિંગ્સ	સલામત	સલામત	સલામત	જોખમ

2022 માં રોકાણ કરવા માટે ટોચના 5 ELSS ફંડ્સ

વચ્ચે નેટ એસેટ્સ/AUM ધરાવતા ફંડની સૂચિ નીચે છે100 - 200 કરોડ.

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)
IDBI Equity Advantage Fund Growth	₹43.39 ↑ 0.04	₹485	9.7	15.1	16.9	20.8	10
JM Tax Gain Fund Growth	₹48.5587 ↓ -0.91	₹183	-7.7	1.5	31.4	20.8	21.4	30.9
BOI AXA Tax Advantage Fund Growth	₹169.68 ↓ -3.40	₹1,453	-1.6	-0.9	27.7	20.6	25.1	34.8
HDFC Long Term Advantage Fund Growth	₹595.168 ↑ 0.28	₹1,318	1.2	15.4	35.5	20.6	17.4
BNP Paribas Long Term Equity Fund (ELSS) Growth	₹94.7437 ↓ -1.82	₹952	-4.2	5.9	27.4	18.1	18	31.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 28 Jul 23

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1. 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.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹10,309
30 Nov 21	₹13,283
30 Nov 22	₹14,560

IDBI Equity Advantage Fund SIP 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 28 Jul 23

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
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014

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

2. 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 9.9% since its launch. Ranked 18 in ELSS category. Return for 2023 was 30.9% , 2022 was 0.5% and 2021 was 32.2% .

Below is the key information for JM Tax Gain Fund

JM Tax Gain Fund Growth
Launch Date	31 Mar 08
NAV (20 Dec 24)	₹48.5587 ↓ -0.91 (-1.84 %)
Net Assets (Cr)	₹183 on 30 Nov 24
Category	Equity - ELSS
AMC	JM Financial Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.4
Sharpe Ratio	1.85
Information Ratio	0.61
Alpha Ratio	8.41
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹11,228
30 Nov 21	₹15,527
30 Nov 22	₹16,296
30 Nov 23	₹19,731
30 Nov 24	₹27,051

JM Tax Gain Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 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 28 Jul 23

Duration	Returns
1 Month	2.3%
3 Month	-7.7%
6 Month	1.5%
1 Year	31.4%
3 Year	20.8%
5 Year	21.4%
10 Year
15 Year
Since launch	9.9%

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
Satish Ramanathan	1 Oct 24	0.17 Yr.
Asit Bhandarkar	31 Dec 21	2.92 Yr.
Chaitanya Choksi	18 Jul 14	10.38 Yr.
Ruchi Fozdar	4 Oct 24	0.16 Yr.

Data below for JM Tax Gain Fund as on 30 Nov 24

Equity Sector Allocation

Sector	Value
Financial Services	18.62%
Industrials	17.38%
Consumer Cyclical	14.41%
Technology	13.68%
Basic Materials	12.99%
Health Care	7.1%
Consumer Defensive	6.85%
Communication Services	3.08%
Utility	1.59%
Real Estate	1%

Asset Allocation

Asset Class	Value
Cash	0.56%
Equity	99.44%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 11 \| HDFCBANK	5%	₹10 Cr	55,131 ↓ -3,000
Infosys Ltd (Technology) Equity, Since 31 Aug 18 \| INFY	5%	₹9 Cr	49,465
ICICI Bank Ltd (Financial Services) Equity, Since 31 Mar 22 \| ICICIBANK	4%	₹7 Cr	55,975 ↑ 5,000
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 10 \| LT	3%	₹6 Cr	16,750
State Bank of India (Financial Services) Equity, Since 31 Aug 20 \| SBIN	3%	₹5 Cr	62,900
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Mar 24 \| BHARTIARTL	3%	₹5 Cr	30,700 ↑ 7,500
Newgen Software Technologies Ltd (Technology) Equity, Since 30 Nov 23 \| NEWGEN	2%	₹4 Cr	31,750
Bajaj Auto Ltd (Consumer Cyclical) Equity, Since 30 Sep 24 \| 532977	2%	₹4 Cr	4,050 ↑ 1,850
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 31 Jul 24 \| SBILIFE	2%	₹4 Cr	23,000 ↑ 3,500
Hindalco Industries Ltd (Basic Materials) Equity, Since 30 Apr 24 \| HINDALCO	2%	₹4 Cr	54,000

3. 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 19.6% since its launch. Ranked 13 in ELSS category. Return for 2023 was 34.8% , 2022 was -1.3% and 2021 was 41.5% .

Below is the key information for BOI AXA Tax Advantage Fund

BOI AXA Tax Advantage Fund Growth
Launch Date	25 Feb 09
NAV (20 Dec 24)	₹169.68 ↓ -3.40 (-1.96 %)
Net Assets (Cr)	₹1,453 on 30 Nov 24
Category	Equity - ELSS
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.37
Sharpe Ratio	1.91
Information Ratio	0.46
Alpha Ratio	7.81
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹12,546
30 Nov 21	₹18,192
30 Nov 22	₹19,034
30 Nov 23	₹23,238
30 Nov 24	₹31,012

BOI AXA Tax Advantage Fund SIP 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 28 Jul 23

Duration	Returns
1 Month	4.3%
3 Month	-1.6%
6 Month	-0.9%
1 Year	27.7%
3 Year	20.6%
5 Year	25.1%
10 Year
15 Year
Since launch	19.6%

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	2.6 Yr.

Data below for BOI AXA Tax Advantage Fund as on 30 Nov 24

Equity Sector Allocation

Sector	Value
Financial Services	26.27%
Industrials	16.29%
Basic Materials	15.38%
Technology	10.7%
Consumer Cyclical	5.46%
Utility	4.64%
Energy	3.81%
Consumer Defensive	3.78%
Health Care	3.53%
Real Estate	1.52%
Communication Services	0.99%

Asset Allocation

Asset Class	Value
Cash	7.63%
Equity	92.37%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 10 \| HDFCBANK	5%	₹76 Cr	440,000 ↑ 20,000
State Bank of India (Financial Services) Equity, Since 31 Oct 21 \| SBIN	4%	₹62 Cr	752,000
Vedanta Ltd (Basic Materials) Equity, Since 31 Mar 24 \| 500295	4%	₹56 Cr	1,211,000
Prudent Corporate Advisory Services Ltd (Financial Services) Equity, Since 31 Oct 23 \| 543527	3%	₹40 Cr	130,000
NTPC Ltd (Utilities) Equity, Since 30 Apr 22 \| 532555	3%	₹39 Cr	955,000
Ami Organics Ltd (Basic Materials) Equity, Since 31 May 24 \| 543349	2%	₹34 Cr	172,000
General Insurance Corp of India (Financial Services) Equity, Since 29 Feb 24 \| GICRE	2%	₹31 Cr	850,696
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 18 \| RELIANCE	2%	₹30 Cr	228,000
Siemens Ltd (Industrials) Equity, Since 30 Jun 22 \| 500550	2%	₹29 Cr	41,000
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 Jul 23 \| HAL	2%	₹28 Cr	67,000

4. HDFC Long Term Advantage Fund

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 CAGR/Annualized return of 21.4% since its launch. Ranked 23 in ELSS category. .

Below is the key information for HDFC Long Term Advantage Fund

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 Nov 19	₹10,000
30 Nov 20	₹10,440
30 Nov 21	₹14,977

HDFC Long Term Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Purchase not allowed

Returns for HDFC Long Term 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 28 Jul 23

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
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014

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

5. 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 12.6% since its launch. Ranked 22 in ELSS category. Return for 2023 was 31.3% , 2022 was -2.1% and 2021 was 23.6% .

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 (20 Dec 24)	₹94.7437 ↓ -1.82 (-1.88 %)
Net Assets (Cr)	₹952 on 30 Nov 24
Category	Equity - ELSS
AMC	BNP Paribas Asset Mgmt India Pvt. Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.29
Sharpe Ratio	2.11
Information Ratio	0.04
Alpha Ratio	7.56
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Nov 19	₹10,000
30 Nov 20	₹11,126
30 Nov 21	₹14,534
30 Nov 22	₹14,723
30 Nov 23	₹17,638
30 Nov 24	₹23,305

BNP Paribas Long Term Equity Fund (ELSS) SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 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 28 Jul 23

Duration	Returns
1 Month	2.9%
3 Month	-4.2%
6 Month	5.9%
1 Year	27.4%
3 Year	18.1%
5 Year	18%
10 Year
15 Year
Since launch	12.6%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	53%

Fund Manager information for BNP Paribas Long Term Equity Fund (ELSS)

Name	Since	Tenure
Sanjay Chawla	14 Mar 22	2.72 Yr.
Pratish Krishnan	14 Mar 22	2.72 Yr.
Miten Vora	1 Dec 22	2 Yr.

Data below for BNP Paribas Long Term Equity Fund (ELSS) as on 30 Nov 24

Equity Sector Allocation

Sector	Value
Financial Services	28.51%
Technology	14.6%
Consumer Cyclical	11.36%
Industrials	10.33%
Basic Materials	7.47%
Health Care	7.14%
Consumer Defensive	5.34%
Energy	4.07%
Utility	3.6%
Communication Services	1.89%
Real Estate	1.2%

Asset Allocation

Asset Class	Value
Cash	3.06%
Equity	96.94%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 12 \| ICICIBANK	6%	₹53 Cr	411,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	6%	₹53 Cr	293,160 ↑ 14,000
Infosys Ltd (Technology) Equity, Since 29 Feb 24 \| INFY	4%	₹38 Cr	205,000
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 18 \| RELIANCE	4%	₹33 Cr	258,200 ↑ 45,000
Zomato Ltd (Consumer Cyclical) Equity, Since 31 Jul 23 \| 543320	3%	₹26 Cr	920,813
PB Fintech Ltd (Financial Services) Equity, Since 29 Feb 24 \| 543390	3%	₹25 Cr	132,500
Trent Ltd (Consumer Cyclical) Equity, Since 31 May 22 \| TRENT	3%	₹25 Cr	36,714 ↓ -5,700
Jyoti CNC Automation Ltd (Industrials) Equity, Since 30 Apr 24 \| JYOTICNC	2%	₹23 Cr	184,594
Mrs Bectors Food Specialities Ltd Ordinary Shares (Consumer Defensive) Equity, Since 31 Mar 24 \| BECTORFOOD	2%	₹21 Cr	117,132
State Bank of India (Financial Services) Equity, Since 31 Mar 22 \| SBIN	2%	₹20 Cr	243,000

અન્ય કર બચત રોકાણો કરતાં ELSS કેટલું સારું છે?

ત્યાં વિવિધ છેકર બચત રોકાણ ભારતમાં વિકલ્પો કે જેમાં ELSS શ્રેષ્ઠ વિકલ્પોમાંથી એક છે. કેવી રીતે? અહીં કેટલાક કારણોનો ઉલ્લેખ કર્યો છે.

લાંબા ગાળા માટે ઉચ્ચ વળતર

ELSS ફંડ્સ શેરબજારમાં અન્ય કર બચત રોકાણોમાં સૌથી વધુ અસ્કયામતોની ફાળવણી કરે છે. તેથી, આ ભંડોળ શ્રેષ્ઠ કમાણી કરે છેફુગાવો-બધાની વચ્ચે મારપીટ પરત આવે છે. જો લાંબા ગાળા માટે રોકાણ કરવામાં આવે તો, ELSS ના વળતરનો દર અન્ય પરંપરાગત દેવું-લક્ષી રોકાણોના વળતરને સરળતાથી હરાવી શકે છે. તેથી, ELSS મ્યુચ્યુઅલ ફંડ્સ રોકાણકારોને બંને વિશ્વમાં શ્રેષ્ઠ - ઉચ્ચ વળતર અને કર લાભો પ્રદાન કરે છે.

સૌથી ટૂંકો લોક-ઇન સમયગાળો

પરંપરાગત કર બચત રોકાણ વિકલ્પોની તુલનામાં ELSS મ્યુચ્યુઅલ ફંડ્સમાં ટૂંકા લોક-ઇન સમયગાળો હોય છે. ELSS ફંડનો લોક-ઇન સમયગાળો 3 વર્ષનો છે જ્યારે PPFનો સમયગાળો 15 વર્ષ છે અનેએનપીએસ સુધી છેનિવૃત્તિ. તેથી, ELSS માં રોકાણ કરવાથી તમારા પૈસા લાંબા સમય સુધી લૉક થતા નથી અને તમે લૉક-ઇન સમાપ્ત થયા પછી તરત જ રોકાણ કરવાનું બંધ કરી શકો છો.

અત્યંત લવચીક રોકાણ

ELSS મ્યુચ્યુઅલ ફંડ્સની લવચીકતા અન્ય તમામ કર બચત રોકાણો કરતાં ઘણી વધારે છે. પરંપરાગત રોકાણોથી વિપરીત, માત્ર એક પ્રકારના વિકલ્પમાં રોકાણ કરવાની જરૂર નથી. ELSS ફંડ્સ તમને તમારા પોર્ટફોલિયોમાં વિવિધ પ્રકારના રોકાણો સાથે વૈવિધ્યીકરણ કરવામાં સક્ષમ બનાવે છે. ઉપરાંત, રોકાણકારો લોક-ઇન અવધિ પૂર્ણ થયા પછી પણ આ ભંડોળમાં રોકાણ કરી શકે છે. તેથી, એકવાર લૉક-ઇન સમાપ્ત થઈ જાય, પછી તમે સરળતાથી રોકાણ કરવાનું અથવા તમારી અનુકૂળતા મુજબ રિડીમ કરવાનું પસંદ કરી શકો છો.

નિષ્કર્ષ

નિષ્કર્ષમાં, ELSS ફંડ્સમાં રોકાણ કરનારા રોકાણકારો માટે અહીં કેટલીક ટીપ્સ આપી છે.

ELSS માં વહેલું રોકાણ કરવાનું શરૂ કરો
તમારી મર્યાદામાં રોકાણ કરો
ડિવિડન્ડ રિઇન્વેસ્ટમેન્ટ પસંદ કરશો નહીં
ધીમે ધીમે અને ધીમે ધીમે રિડીમ કરો
એ દ્વારા રોકાણ કરોSIP

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અહીં આપેલી માહિતી સચોટ છે તેની ખાતરી કરવા માટેના તમામ પ્રયાસો કરવામાં આવ્યા છે. જો કે, ડેટાની શુદ્ધતા અંગે કોઈ ગેરંટી આપવામાં આવતી નથી. કોઈપણ રોકાણ કરતા પહેલા કૃપા કરીને સ્કીમ માહિતી દસ્તાવેજ સાથે ચકાસો.