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इतर कर बचत गुंतवणुकीवर ELSS का

Updated on November 22, 2024 , 2035 views

ELSS इक्विटी लिंक्ड सेव्हिंग्ज स्कीम म्हणून ओळखले जाणारे फंड हे इक्विटी-विविध कर बचत करणारे म्युच्युअल फंड आहे जे मुख्यत्वे त्याच्या मालमत्तेमध्ये गुंतवणूक करतेइक्विटी किंवा शेअर बाजारासारखी इक्विटी-लिंक्ड इन्स्ट्रुमेंट्स. ईएलएसएसम्युच्युअल फंड ऑफरबाजार-लिंक केलेले परतावे, जे अस्थिर असतात आणि बाजाराच्या परिस्थितीवर अवलंबून असतात. तथापि,आर्थिक सल्लागार सूचितगुंतवणूक ELSS फंडांमध्ये दीर्घ कालावधीसाठी, कारण हे ELSS म्युच्युअल फंड दीर्घ कालावधीसाठी गुंतवणूक केल्यावर सर्वोत्तम परतावा देतात. अलीकडील अहवालांमध्ये असे दिसून आले आहे की ELSS फंडांनी 3 वर्षांसाठी गुंतवणूक केल्यावर सुमारे 20%-30% परतावा मिळतो, जो इतर म्युच्युअल फंडांद्वारे व्युत्पन्न केलेल्या परताव्यापेक्षा खूपच जास्त आहे.

ELSS आणि इतर कर बचत गुंतवणूक पर्यायांची तुलना

ईएलएसएस आणि इतर कर बचतीची तुलना कार्यकाळ, परतावा, पात्रता यासारख्या पॅरामीटर्सवर आधारित आहेवजावट अंतर्गत80c, इ.

चला एक नझर टाकूया:

पॅरामीटर	पीपीएफ	NSC	एफडी	ELSS
कार्यकाळ	15 वर्षे	6 वर्षे	5 वर्षे	3 वर्ष
परतावा	7.60 % (वार्षिक चक्रवाढ)	7.60 % (वार्षिक चक्रवाढ)	7.00 - 8.00 % (वार्षिक चक्रवाढ)	कोणताही खात्रीशीर लाभांश / परतावा नाही कारण ते मार्केट लिंक आहे
मि. गुंतवणूक	रु. ५००	रु. 100	रु. 1000	रु. ५००
कमाल गुंतवणूक	रु. १.५ लाख	कोणतीही उच्च मर्यादा नाही	कोणतीही उच्च मर्यादा नाही	कोणतीही उच्च मर्यादा नाही
80c अंतर्गत कपातीसाठी पात्र रक्कम	रु. १.५ लाख	रु. १.५ लाख	रु. १.५ लाख	रु. १.५ लाख
व्याज/परताव्यासाठी कर आकारणी	कर मुक्त	व्याज करपात्र	व्याज करपात्र	१ लाखापर्यंतचे नफा करमुक्त आहेत. 1 लाख रुपयांपेक्षा जास्त नफ्यावर 10% कर लागू होतो
सुरक्षितता/रेटिंग	सुरक्षित	सुरक्षित	सुरक्षित	धोका

2022 मध्ये गुंतवणूक करण्यासाठी शीर्ष 5 ELSS फंड

खाली निव्वळ मालमत्ता/एयूएम असलेल्या फंडाची यादी आहे100 - 200 कोटी.

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	₹48.6141 ↑ 0.73	₹181	-5.4	8.4	37.9	18.7	21.8	30.9
BOI AXA Tax Advantage Fund Growth	₹167.56 ↑ 3.23	₹1,436	-3.7	2.4	35.1	18.1	25.2	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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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
31 Oct 19	₹10,000
31 Oct 20	₹9,193
31 Oct 21	₹13,700
31 Oct 22	₹13,964

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. 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
31 Oct 19	₹10,000
31 Oct 20	₹9,439
31 Oct 21	₹15,733

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

3. 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 10% 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 (25 Nov 24)	₹48.6141 ↑ 0.73 (1.52 %)
Net Assets (Cr)	₹181 on 31 Oct 24
Category	Equity - ELSS
AMC	JM Financial Asset Management Limited
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.4
Sharpe Ratio	2.41
Information Ratio	0.63
Alpha Ratio	10.75
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	₹9,702
31 Oct 21	₹15,817
31 Oct 22	₹15,662
31 Oct 23	₹17,953
31 Oct 24	₹26,849

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	0%
3 Month	-5.4%
6 Month	8.4%
1 Year	37.9%
3 Year	18.7%
5 Year	21.8%
10 Year
15 Year
Since launch	10%

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 31 Oct 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 \| 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

4. 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 (25 Nov 24)	₹167.56 ↑ 3.23 (1.97 %)
Net Assets (Cr)	₹1,436 on 31 Oct 24
Category	Equity - ELSS
AMC	BOI AXA Investment Mngrs Private Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.37
Sharpe Ratio	2.34
Information Ratio	0.53
Alpha Ratio	9.3
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

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	2.9%
3 Month	-3.7%
6 Month	2.4%
1 Year	35.1%
3 Year	18.1%
5 Year	25.2%
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	2.52 Yr.

Data below for BOI AXA Tax Advantage Fund as on 31 Oct 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

5. Baroda Pioneer ELSS 96

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 CAGR/Annualized return of 8.4% since its launch. .

Below is the key information for Baroda Pioneer ELSS 96

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	Not Rated
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

Baroda Pioneer ELSS 96 SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 Invest Now

Returns for Baroda Pioneer ELSS 96

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	-3.9%
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

इतर कर बचत गुंतवणुकीपेक्षा ELSS किती चांगले?

विविध आहेतकर बचत गुंतवणूक भारतातील पर्याय ज्यात ELSS सर्वोत्तम पर्यायांपैकी एक आहे. कसे? येथे काही कारणे नमूद केली आहेत.

दीर्घकालीन उच्च परतावा

ELSS फंड शेअर बाजारातील इतर कर बचत गुंतवणुकींमध्ये सर्वाधिक मालमत्तेचे वाटप करतात. तर, हे फंड उत्तम कमावतातमहागाई- मारहाण सर्वांमध्ये परत येते. दीर्घ कालावधीसाठी गुंतवणूक केल्यास, ELSS चा परताव्याचा दर इतर पारंपारिक कर्ज-केंद्रित गुंतवणुकीच्या परताव्याला सहज मागे टाकू शकतो. त्यामुळे, ELSS म्युच्युअल फंड गुंतवणूकदारांना दोन्ही जगातील सर्वोत्कृष्ट - उच्च परतावा आणि कर लाभ प्रदान करतात.

सर्वात कमी लॉक-इन कालावधी

पारंपारिक कर बचत गुंतवणूक पर्यायांच्या तुलनेत ELSS म्युच्युअल फंडांचा लॉक-इन कालावधी कमी असतो. ईएलएसएस फंडांचा लॉक-इन कालावधी 3 वर्षांचा असतो तर पीपीएफचा कालावधी 15 वर्षे असतो आणिNPS पर्यंत आहेसेवानिवृत्ती. त्यामुळे, ELSS मध्ये गुंतवणूक केल्याने तुमचे पैसे जास्त कालावधीसाठी लॉक होत नाहीत आणि लॉक-इन संपल्यानंतर तुम्ही लवकरच गुंतवणूक करणे थांबवू शकता.

अत्यंत लवचिक गुंतवणूक

ELSS म्युच्युअल फंडांची लवचिकता इतर सर्व कर बचत गुंतवणुकीपेक्षा खूप जास्त आहे. पारंपारिक गुंतवणुकीच्या विपरीत, फक्त एकाच प्रकारच्या पर्यायामध्ये गुंतवणूक करण्याची गरज नाही. ELSS फंड तुम्हाला तुमच्या पोर्टफोलिओमध्ये विविध प्रकारच्या गुंतवणुकीसह विविधता आणण्यास सक्षम करतात. तसेच, लॉक-इन कालावधी संपल्यानंतरही गुंतवणूकदार या फंडांमध्ये गुंतवणूक करू शकतात. त्यामुळे, लॉक-इन संपल्यानंतर, तुम्ही सहजपणे गुंतवणुकीत राहणे किंवा तुमच्या सोयीनुसार रिडीम करणे निवडू शकता.

निष्कर्ष

शेवटी, ELSS फंडांमध्ये गुंतवणूक करणाऱ्या गुंतवणूकदारांसाठी येथे काही टिपा आहेत.

ELSS मध्ये लवकर गुंतवणूक सुरू करा
तुमच्या मर्यादेत गुंतवणूक करा
लाभांश पुनर्गुंतवणूक निवडू नका
हळूहळू आणि हळूहळू रिडीम करा
ए द्वारे गुंतवणूक कराSIP

Disclaimer:
येथे प्रदान केलेली माहिती अचूक असल्याची खात्री करण्यासाठी सर्व प्रयत्न केले गेले आहेत. तथापि, डेटाच्या अचूकतेबद्दल कोणतीही हमी दिली जात नाही. कृपया कोणतीही गुंतवणूक करण्यापूर्वी योजना माहिती दस्तऐवजासह सत्यापित करा.