Table of Contents
ELSS ಇಕ್ವಿಟಿ ಲಿಂಕ್ಡ್ ಸೇವಿಂಗ್ಸ್ ಸ್ಕೀಮ್ ಎಂದೂ ಕರೆಯಲ್ಪಡುವ ನಿಧಿಗಳು ಇಕ್ವಿಟಿ-ವೈವಿಧ್ಯೀಕೃತ ತೆರಿಗೆ ಉಳಿತಾಯ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಆಗಿದ್ದು ಅದು ತನ್ನ ಸ್ವತ್ತುಗಳನ್ನು ಮುಖ್ಯವಾಗಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತದೆಈಕ್ವಿಟಿಗಳು ಅಥವಾ ಷೇರು ಮಾರುಕಟ್ಟೆಗಳಂತಹ ಈಕ್ವಿಟಿ-ಸಂಯೋಜಿತ ಉಪಕರಣಗಳು. ELSSಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ನೀಡುತ್ತವೆಮಾರುಕಟ್ಟೆ-ಲಿಂಕ್ಡ್ ರಿಟರ್ನ್ಸ್, ಇದು ಬಾಷ್ಪಶೀಲ ಮತ್ತು ಮಾರುಕಟ್ಟೆ ಪರಿಸ್ಥಿತಿಗಳ ಮೇಲೆ ಅವಲಂಬಿತವಾಗಿದೆ. ಆದಾಗ್ಯೂ,ಆರ್ಥಿಕ ಸಲಹೆಗಾರರು ಸೂಚಿಸುತ್ತದೆಹೂಡಿಕೆ ದೀರ್ಘಾವಧಿಯವರೆಗೆ ELSS ಫಂಡ್ಗಳಲ್ಲಿ, ಈ ELSS ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ದೀರ್ಘಾವಧಿಯವರೆಗೆ ಹೂಡಿಕೆ ಮಾಡಿದಾಗ ಉತ್ತಮ ಆದಾಯವನ್ನು ಗಳಿಸುತ್ತವೆ. ಇತ್ತೀಚಿನ ವರದಿಗಳಲ್ಲಿ, ELSS ಫಂಡ್ಗಳು 3 ವರ್ಷಗಳವರೆಗೆ ಹೂಡಿಕೆ ಮಾಡಿದಾಗ ಸುಮಾರು 20%-30% ಆದಾಯವನ್ನು ಗಳಿಸಿವೆ ಎಂದು ಕಂಡುಬಂದಿದೆ, ಇದು ಇತರ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳಿಂದ ಉತ್ಪತ್ತಿಯಾಗುವ ಆದಾಯಕ್ಕಿಂತ ಹೆಚ್ಚು.
ELSS ಮತ್ತು ಇತರ ತೆರಿಗೆ ಉಳಿತಾಯದ ಹೋಲಿಕೆಯು ಅಧಿಕಾರಾವಧಿ, ಆದಾಯ, ಅರ್ಹತೆಗಳಂತಹ ನಿಯತಾಂಕಗಳನ್ನು ಆಧರಿಸಿದೆಕಡಿತಗೊಳಿಸುವಿಕೆ ಅಡಿಯಲ್ಲಿ80c, ಇತ್ಯಾದಿ
ನೋಡೋಣ:
ಪ್ಯಾರಾಮೀಟರ್ | PPF | NSC | FD | ELSS |
---|---|---|---|---|
ಅಧಿಕಾರಾವಧಿ | 15 ವರ್ಷಗಳು | 6 ವರ್ಷಗಳು | 5 ವರ್ಷಗಳು | 3 ವರ್ಷಗಳು |
ಹಿಂತಿರುಗಿಸುತ್ತದೆ | 7.60 % (ವಾರ್ಷಿಕವಾಗಿ ಸಂಯೋಜಿತ) | 7.60 % (ವಾರ್ಷಿಕವಾಗಿ ಸಂಯೋಜಿತ) | 7.00 - 8.00 % (ವಾರ್ಷಿಕವಾಗಿ ಸಂಯೋಜಿತ) | ಯಾವುದೇ ಖಚಿತವಾದ ಡಿವಿವಿಡೆಂಡ್ / ರಿಟರ್ನ್ ಅನ್ನು ಮಾರುಕಟ್ಟೆ ಲಿಂಕ್ ಮಾಡಿದಂತೆ |
ಕನಿಷ್ಠ ಬಂಡವಾಳ | ರೂ. 500 | ರೂ. 100 | ರೂ. 1000 | ರೂ. 500 |
ಗರಿಷ್ಠ ಬಂಡವಾಳ | ರೂ. 1.5 ಲಕ್ಷ | ಯಾವುದೇ ಮೇಲಿನ ಮಿತಿಯಿಲ್ಲ | ಯಾವುದೇ ಮೇಲಿನ ಮಿತಿಯಿಲ್ಲ | ಯಾವುದೇ ಮೇಲಿನ ಮಿತಿಯಿಲ್ಲ |
80c ಅಡಿಯಲ್ಲಿ ಕಡಿತಕ್ಕೆ ಅರ್ಹವಾದ ಮೊತ್ತ | ರೂ. 1.5 ಲಕ್ಷ | ರೂ. 1.5 ಲಕ್ಷ | ರೂ. 1.5 ಲಕ್ಷ | ರೂ. 1.5 ಲಕ್ಷ |
ಬಡ್ಡಿ/ರಿಟರ್ನ್ಗಾಗಿ ತೆರಿಗೆ | ತೆರಿಗೆ ಮುಕ್ತ | ಬಡ್ಡಿ ತೆರಿಗೆ ವಿಧಿಸಬಹುದಾಗಿದೆ | ಬಡ್ಡಿ ತೆರಿಗೆ ವಿಧಿಸಬಹುದಾಗಿದೆ | 1 ಲಕ್ಷದವರೆಗಿನ ಲಾಭವು ತೆರಿಗೆಯಿಂದ ಮುಕ್ತವಾಗಿದೆ. 1 ಲಕ್ಷಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ಲಾಭಗಳಿಗೆ 10% ತೆರಿಗೆ ಅನ್ವಯಿಸುತ್ತದೆ |
ಸುರಕ್ಷತೆ/ರೇಟಿಂಗ್ಗಳು | ಸುರಕ್ಷಿತ | ಸುರಕ್ಷಿತ | ಸುರಕ್ಷಿತ | ಅಪಾಯ |
ನಿವ್ವಳ ಸ್ವತ್ತುಗಳು/AUM ನಡುವೆ ಇರುವ ಫಂಡ್ಗಳ ಪಟ್ಟಿಯನ್ನು ಕೆಳಗೆ ನೀಡಲಾಗಿದೆ100-200 ಕೋಟಿ
.
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 JM Tax Gain Fund Growth ₹49.6273
↑ 0.36 ₹187 2.3 13.1 47.3 18.5 22 30.9 BOI AXA Tax Advantage Fund Growth ₹168.02
↑ 1.53 ₹1,486 0.9 5.6 42.6 18.2 25.4 34.8 Baroda Pioneer ELSS 96 Growth ₹68.6676
↑ 0.33 ₹210 -6.1 -3.5 17.6 16.7 11.6 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 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 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 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. JM Tax Gain Fund
CAGR/Annualized
return of 10.1% 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 (05 Nov 24) ₹49.6273 ↑ 0.36 (0.74 %) 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 -2.7% 3 Month 2.3% 6 Month 13.1% 1 Year 47.3% 3 Year 18.5% 5 Year 22% 10 Year 15 Year Since launch 10.1% 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 Yr. Asit Bhandarkar 31 Dec 21 2.75 Yr. Chaitanya Choksi 18 Jul 14 10.21 Yr. Ruchi Fozdar 4 Oct 24 0 Yr. Data below for JM Tax Gain Fund as on 30 Sep 24
Equity Sector Allocation
Sector Value Financial Services 20.11% Industrials 19.67% Consumer Cyclical 13.61% Basic Materials 13.58% Technology 11.18% Consumer Defensive 8.27% Health Care 5.99% Communication Services 3.49% Utility 1.9% Real Estate 1.51% Asset Allocation
Asset Class Value Cash 0.69% Equity 99.31% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 11 | HDFCBANK5% ₹10 Cr 58,131
↑ 20,500 Infosys Ltd (Technology)
Equity, Since 31 Aug 18 | INFY5% ₹9 Cr 49,465
↑ 14,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Mar 22 | ICICIBANK3% ₹6 Cr 50,975 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
↑ 22,500 Newgen Software Technologies Ltd (Technology)
Equity, Since 30 Nov 23 | NEWGEN2% ₹4 Cr 31,750 Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Aug 23 | 5433202% ₹4 Cr 150,500 Hindalco Industries Ltd (Basic Materials)
Equity, Since 30 Apr 24 | HINDALCO2% ₹4 Cr 54,000
↑ 20,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Mar 24 | BHARTIARTL2% ₹4 Cr 23,200 Trent Ltd (Consumer Cyclical)
Equity, Since 30 Jun 19 | 5002512% ₹4 Cr 5,096 4. BOI AXA Tax Advantage Fund
CAGR/Annualized
return of 19.7% 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 (05 Nov 24) ₹168.02 ↑ 1.53 (0.92 %) 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 -1.6% 3 Month 0.9% 6 Month 5.6% 1 Year 42.6% 3 Year 18.2% 5 Year 25.4% 10 Year 15 Year Since launch 19.7% 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 2.43 Yr. Data below for BOI AXA Tax Advantage Fund as on 30 Sep 24
Equity Sector Allocation
Sector Value Financial Services 25.45% Industrials 16.75% Basic Materials 15.78% Technology 9.84% Consumer Cyclical 5.75% Energy 5.35% Utility 4.89% Consumer Defensive 3.9% Health Care 3.43% Real Estate 1.6% Communication Services 1.01% Asset Allocation
Asset Class Value Cash 6.21% Equity 93.75% Debt 0.04% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 10 | HDFCBANK5% ₹73 Cr 420,000
↑ 130,000 Vedanta Ltd (Basic Materials)
Equity, Since 31 Mar 24 | 5002954% ₹62 Cr 1,211,000 State Bank of India (Financial Services)
Equity, Since 31 Oct 21 | SBIN4% ₹59 Cr 752,000 Oil India Ltd (Energy)
Equity, Since 31 Mar 23 | OIL3% ₹46 Cr 790,000
↓ -163,000 NTPC Ltd (Utilities)
Equity, Since 30 Apr 22 | 5325553% ₹42 Cr 955,000 Prudent Corporate Advisory Services Ltd (Financial Services)
Equity, Since 31 Oct 23 | 5435272% ₹34 Cr 130,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 18 | RELIANCE2% ₹34 Cr 114,000 General Insurance Corp of India (Financial Services)
Equity, Since 29 Feb 24 | GICRE2% ₹34 Cr 850,696
↑ 490,696 Tata Power Co Ltd (Utilities)
Equity, Since 31 Aug 23 | 5004002% ₹30 Cr 627,000
↑ 68,000 Ami Organics Ltd (Basic Materials)
Equity, Since 31 May 24 | 5433492% ₹30 Cr 172,000
↑ 16,000 5. 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
ವಿವಿಧ ಇವೆತೆರಿಗೆ ಉಳಿತಾಯ ಹೂಡಿಕೆ ಭಾರತದಲ್ಲಿನ ಆಯ್ಕೆಗಳಲ್ಲಿ ELSS ಅತ್ಯುತ್ತಮ ಆಯ್ಕೆಗಳಲ್ಲಿ ಒಂದಾಗಿದೆ. ಹೇಗೆ? ಇಲ್ಲಿ ಕೆಲವು ಕಾರಣಗಳನ್ನು ಉಲ್ಲೇಖಿಸಲಾಗಿದೆ.
ELSS ನಿಧಿಗಳು ಇತರ ತೆರಿಗೆ ಉಳಿತಾಯ ಹೂಡಿಕೆಗಳ ನಡುವೆ ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೆಚ್ಚಿನ ಸಂಖ್ಯೆಯ ಆಸ್ತಿಗಳನ್ನು ನಿಯೋಜಿಸುತ್ತವೆ. ಆದ್ದರಿಂದ, ಈ ನಿಧಿಗಳು ಉತ್ತಮವಾಗಿ ಗಳಿಸುತ್ತವೆಹಣದುಬ್ಬರ-ಎಲ್ಲರ ನಡುವೆ ಬೀಟಿಂಗ್ ರಿಟರ್ನ್ಸ್. ದೀರ್ಘಾವಧಿಯವರೆಗೆ ಹೂಡಿಕೆ ಮಾಡಿದರೆ, ELSS ನ ಆದಾಯದ ದರವು ಇತರ ಸಾಂಪ್ರದಾಯಿಕ ಸಾಲ-ಆಧಾರಿತ ಹೂಡಿಕೆಗಳ ಆದಾಯವನ್ನು ಸುಲಭವಾಗಿ ಸೋಲಿಸಬಹುದು. ಆದ್ದರಿಂದ, ELSS ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಹೂಡಿಕೆದಾರರಿಗೆ ಎರಡೂ ಪ್ರಪಂಚದ ಅತ್ಯುತ್ತಮವಾದ-ಹೆಚ್ಚಿನ ಆದಾಯ ಮತ್ತು ತೆರಿಗೆ ಪ್ರಯೋಜನಗಳನ್ನು ಒದಗಿಸುತ್ತವೆ.
ಸಾಂಪ್ರದಾಯಿಕ ತೆರಿಗೆ ಉಳಿತಾಯ ಹೂಡಿಕೆ ಆಯ್ಕೆಗಳಿಗೆ ಹೋಲಿಸಿದರೆ ELSS ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಕಡಿಮೆ ಲಾಕ್-ಇನ್ ಅವಧಿಯನ್ನು ಹೊಂದಿವೆ. ELSS ಫಂಡ್ಗಳ ಲಾಕ್-ಇನ್ ಅವಧಿಯು 3 ವರ್ಷಗಳು ಮತ್ತು PPF ನ ಅವಧಿಯು 15 ವರ್ಷಗಳು ಮತ್ತುNPS ತನಕ ಆಗಿದೆನಿವೃತ್ತಿ. ಆದ್ದರಿಂದ, ELSS ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದರಿಂದ ನಿಮ್ಮ ಹಣವು ದೀರ್ಘಾವಧಿಯವರೆಗೆ ಲಾಕ್ ಆಗುವುದಿಲ್ಲ ಮತ್ತು ಲಾಕ್-ಇನ್ ಮುಗಿದ ನಂತರ ನೀವು ಹೂಡಿಕೆ ಮಾಡುವುದನ್ನು ನಿಲ್ಲಿಸಬಹುದು.
ELSS ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳ ನಮ್ಯತೆಯು ಎಲ್ಲಾ ಇತರ ತೆರಿಗೆ ಉಳಿತಾಯ ಹೂಡಿಕೆಗಳಿಗಿಂತ ಹೆಚ್ಚು. ಸಾಂಪ್ರದಾಯಿಕ ಹೂಡಿಕೆಗಳಿಗಿಂತ ಭಿನ್ನವಾಗಿ, ಕೇವಲ ಒಂದು ರೀತಿಯ ಆಯ್ಕೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಅಗತ್ಯವಿಲ್ಲ. ELSS ನಿಧಿಗಳು ವಿವಿಧ ರೀತಿಯ ಹೂಡಿಕೆಗಳೊಂದಿಗೆ ನಿಮ್ಮ ಪೋರ್ಟ್ಫೋಲಿಯೊವನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸಲು ನಿಮಗೆ ಅನುವು ಮಾಡಿಕೊಡುತ್ತದೆ. ಅಲ್ಲದೆ, ಲಾಕ್-ಇನ್ ಅವಧಿ ಮುಗಿದ ನಂತರವೂ ಹೂಡಿಕೆದಾರರು ಈ ಫಂಡ್ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಆದ್ದರಿಂದ, ಲಾಕ್-ಇನ್ ಮುಗಿದ ನಂತರ, ನಿಮ್ಮ ಅನುಕೂಲಕ್ಕೆ ಅನುಗುಣವಾಗಿ ಹೂಡಿಕೆಯಲ್ಲಿ ಉಳಿಯಲು ಅಥವಾ ರಿಡೀಮ್ ಮಾಡಲು ನೀವು ಸುಲಭವಾಗಿ ಆಯ್ಕೆ ಮಾಡಬಹುದು.
ಕೊನೆಯಲ್ಲಿ, ELSS ಫಂಡ್ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಹೂಡಿಕೆದಾರರಿಗೆ ಇಲ್ಲಿ ಕೆಲವು ಸಲಹೆಗಳಿವೆ.
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