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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 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 |
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 HDFC Long Term Advantage Fund Growth ₹595.168
↑ 0.28 ₹1,318 1.2 15.4 35.5 20.6 17.4 Baroda Pioneer ELSS 96 Growth ₹68.6676
↑ 0.33 ₹210 -6.1 -3.5 17.6 16.7 11.6 JM Tax Gain Fund Growth ₹47.358
↓ -1.12 ₹187 -4 11.6 36.6 15.8 21.2 30.9 BOI AXA Tax Advantage Fund Growth ₹161.3
↓ -4.09 ₹1,486 -4.7 4.6 32.3 15.7 24.5 34.8 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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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 The main objective of the scheme is to provide the investor long term capital growth as also tax benefit under section 80C of the Income Tax Act, 1961. Baroda Pioneer ELSS 96 is a Equity - ELSS fund was launched on 2 Mar 15. It is a fund with Moderately High risk and has given a Below is the key information for Baroda Pioneer ELSS 96 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 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 1. 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 31 Oct 19 ₹10,000 31 Oct 20 ₹9,193 31 Oct 21 ₹13,700 31 Oct 22 ₹13,964 Returns for IDBI Equity Advantage Fund
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. 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 31 Oct 19 ₹10,000 31 Oct 20 ₹9,439 31 Oct 21 ₹15,733
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 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 3. Baroda Pioneer ELSS 96
CAGR/Annualized
return of 8.4% since its launch. . Baroda Pioneer ELSS 96
Growth Launch Date 2 Mar 15 NAV (11 Mar 22) ₹68.6676 ↑ 0.33 (0.48 %) Net Assets (Cr) ₹210 on 31 Jan 22 Category Equity - ELSS AMC Baroda Pioneer Asset Management Co. Ltd. Rating Risk Moderately High Expense Ratio 2.55 Sharpe Ratio 2.51 Information Ratio -0.09 Alpha Ratio 5.69 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹9,931 31 Oct 21 ₹16,353 Returns for Baroda Pioneer ELSS 96
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 28 Jul 23 Duration Returns 1 Month -3.9% 3 Month -6.1% 6 Month -3.5% 1 Year 17.6% 3 Year 16.7% 5 Year 11.6% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 Fund Manager information for Baroda Pioneer ELSS 96
Name Since Tenure Data below for Baroda Pioneer ELSS 96 as on 31 Jan 22
Equity Sector Allocation
Sector Value Asset Allocation
Asset Class Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 4. JM Tax Gain Fund
CAGR/Annualized
return of 9.8% 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 (13 Nov 24) ₹47.358 ↓ -1.12 (-2.32 %) Net Assets (Cr) ₹187 on 30 Sep 24 Category Equity - ELSS AMC JM Financial Asset Management Limited Rating ☆☆☆ Risk Moderately High Expense Ratio 2.4 Sharpe Ratio 2.88 Information Ratio 0.66 Alpha Ratio 8.38 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹9,702 31 Oct 21 ₹15,817 31 Oct 22 ₹15,662 31 Oct 23 ₹17,953 31 Oct 24 ₹26,849 Returns for JM Tax Gain Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 28 Jul 23 Duration Returns 1 Month -7.8% 3 Month -4% 6 Month 11.6% 1 Year 36.6% 3 Year 15.8% 5 Year 21.2% 10 Year 15 Year Since launch 9.8% 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 0.08 Yr. Asit Bhandarkar 31 Dec 21 2.84 Yr. Chaitanya Choksi 18 Jul 14 10.3 Yr. Ruchi Fozdar 4 Oct 24 0.08 Yr. Data below for JM Tax Gain Fund as on 30 Sep 24
Equity Sector Allocation
Sector Value Financial Services 19.39% Industrials 18.36% Consumer Cyclical 13.99% Technology 13% Basic Materials 12.7% Consumer Defensive 7.86% Health Care 7.16% Communication Services 3.14% Utility 1.8% Real Estate 1.11% Asset Allocation
Asset Class Value Cash 0.24% Equity 99.76% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 11 | HDFCBANK5% ₹10 Cr 55,131
↓ -3,000 Infosys Ltd (Technology)
Equity, Since 31 Aug 18 | INFY5% ₹9 Cr 49,465 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | ICICIBANK4% ₹7 Cr 55,975
↑ 5,000 Larsen & Toubro Ltd (Industrials)
Equity, Since 30 Nov 10 | LT3% ₹6 Cr 16,750 State Bank of India (Financial Services)
Equity, Since 31 Aug 20 | SBIN3% ₹5 Cr 62,900 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Mar 24 | BHARTIARTL3% ₹5 Cr 30,700
↑ 7,500 Newgen Software Technologies Ltd (Technology)
Equity, Since 30 Nov 23 | NEWGEN2% ₹4 Cr 31,750 Bajaj Auto Ltd (Consumer Cyclical)
Equity, Since 30 Sep 24 | 5329772% ₹4 Cr 4,050
↑ 1,850 SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Jul 24 | SBILIFE2% ₹4 Cr 23,000
↑ 3,500 Hindalco Industries Ltd (Basic Materials)
Equity, Since 30 Apr 24 | HINDALCO2% ₹4 Cr 54,000 5. BOI AXA Tax Advantage Fund
CAGR/Annualized
return of 19.4% 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 (13 Nov 24) ₹161.3 ↓ -4.09 (-2.47 %) Net Assets (Cr) ₹1,486 on 30 Sep 24 Category Equity - ELSS AMC BOI AXA Investment Mngrs Private Ltd Rating ☆☆☆ Risk Moderately High Expense Ratio 2.37 Sharpe Ratio 2.33 Information Ratio 0.35 Alpha Ratio -0.03 Min Investment 500 Min SIP Investment 500 Exit Load NIL Growth of 10,000 investment over the years.
Date Value 31 Oct 19 ₹10,000 31 Oct 20 ₹11,437 31 Oct 21 ₹18,517 31 Oct 22 ₹18,708 31 Oct 23 ₹21,227 31 Oct 24 ₹30,948 Returns for BOI AXA Tax Advantage Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 28 Jul 23 Duration Returns 1 Month -6.2% 3 Month -4.7% 6 Month 4.6% 1 Year 32.3% 3 Year 15.7% 5 Year 24.5% 10 Year 15 Year Since launch 19.4% 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 2.52 Yr. Data below for BOI AXA Tax Advantage Fund as on 30 Sep 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 | HDFCBANK5% ₹76 Cr 440,000
↑ 20,000 State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN4% ₹62 Cr 752,000 Vedanta Ltd (Basic Materials)
Equity, Since 31 Mar 24 | 5002954% ₹56 Cr 1,211,000 Prudent Corporate Advisory Services Ltd (Financial Services)
Equity, Since 31 Oct 23 | 5435273% ₹40 Cr 130,000 NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | 5325553% ₹39 Cr 955,000 Ami Organics Ltd (Basic Materials)
Equity, Since 31 May 24 | 5433492% ₹34 Cr 172,000 General Insurance Corp of India (Financial Services)
Equity, Since 29 Feb 24 | GICRE2% ₹31 Cr 850,696 Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE2% ₹30 Cr 228,000 Siemens Ltd (Industrials)
Equity, Since 30 Jun 22 | 5005502% ₹29 Cr 41,000 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 Jul 23 | HAL2% ₹28 Cr 67,000
ત્યાં વિવિધ છેકર બચત રોકાણ ભારતમાં વિકલ્પો કે જેમાં ELSS શ્રેષ્ઠ વિકલ્પોમાંથી એક છે. કેવી રીતે? અહીં કેટલાક કારણોનો ઉલ્લેખ કર્યો છે.
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.
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.
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.
નિષ્કર્ષમાં, ELSS ફંડ્સમાં રોકાણ કરનારા રોકાણકારો માટે અહીં કેટલીક ટીપ્સ આપી છે.
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