Table of Contents
ای ایل ایس ایس واحد ہےمشترکہ فنڈ 80C کٹوتیوں کے لیے اہل۔ یہ ایک متنوع ایکویٹی میوچل فنڈ ہے جو روپے تک ٹیکس کٹوتیوں کی پیشکش کرتا ہے۔ 1.5 لاکھ سالانہ کے تحتسیکشن 80 سی کیانکم ٹیکس ایکٹ (آئی ٹی ایکٹ 1961)۔
فروری بجٹ 2018 کے متعارف ہونے سے پہلے، اس کے ریٹرن مکمل طور پر ٹیکس سے پاک تھے۔ تاہم، اب یہ 10٪ طویل مدتی سے مشروط ہے۔سرمایہ منافع ٹیکس اگر آپ کےکیپٹل گینز روپے سے زیادہ ایک سال بعد ایک لاکھ۔ 10% ٹیکس کٹوتی کے بعد بھی، ELSS میں ٹیکس بچانے والے دیگر آلات کے مقابلے اعلیٰ منافع فراہم کرنے کی صلاحیت ہے۔ ELSS سرمایہ کاری کے مراعات صرف تک محدود نہیں ہیں۔ٹیکس محفوظ کر لیا دیکمپاؤنڈنگ کی طاقت اس بات کو یقینی بناتا ہے کہ اگر آپ 5 سال (ٹیکس کی بچت کی مدت) کے لیے سرمایہ کاری کرتے ہیں تو آپ کی سرمایہ کاری دوگنی ہو جاتی ہے۔ایف ڈی)۔ اس میں اضافہ کرنے کے لیے، کم از کم لاک ان مدت صرف 3 سال ہے۔
سرمایہ کاری بینکوں میں فکسڈ ڈپازٹ میں رقم افراد اور HUFs کو ٹیکس کا دعوی کرنے کی اجازت دیتی ہے۔کٹوتی روپے تک 1,50،000 ایک مالی سال میں. ان ڈپازٹس کا لاک ان پیریڈ 5 سال ہوتا ہے۔ تاہم، آپ اس ڈپازٹ کو وقت سے پہلے واپس نہیں لے سکتے۔ لیکن آپ مسابقتی شرحوں پر اپنی ایف ڈی کے خلاف قرض حاصل کر سکتے ہیں۔ تاہم، ان ڈپازٹس پر حاصل ہونے والا سود فرد کے ٹیکس کے قابل ٹیکس کی معمولی شرح ہے (ٹیکس بریکٹ کے مطابق)۔
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مختلف پیرامیٹرز پر ELSS اور ٹیکس سیونگ FDs کے درمیان فرق کا ایک سرسری جائزہ یہ ہے:
پیرامیٹر | ایف ڈی | ای ایل ایس ایس |
---|---|---|
دور | 5 سال کا لاک ان | 3 سال کا لاک ان |
واپسی | 7.00 - 8.00 % (سالانہ مرکب) | کوئی یقینی ڈیویڈنڈ نہیں / اس کے طور پر واپسیمارکیٹ عام طور پر 16 - 17٪ سالانہ کے ارد گرد منسلک |
کم از کم سرمایہ کاری | روپے 1000 | روپے 500 |
زیادہ سے زیادہ سرمایہ کاری | کوئی بالائی حد نہیں۔ | کوئی بالائی حد نہیں۔ |
80c کے تحت کٹوتی کے لیے اہل رقم | روپے 1.5 لاکھ | روپے 1.5 لاکھ |
سود/واپسی کے لیے ٹیکس | قابل ٹیکس سود | روپے تک کا فائدہ 1 لاکھ ٹیکس سے پاک ہیں۔ روپے سے اوپر کے منافع پر 10% ٹیکس لاگو ہوتا ہے۔ 1 لاکھ |
حفاظت/درجہ بندی | محفوظ | تھوڑا خطرہ |
لیکویڈیٹی | آپ 5 سال سے پہلے ٹیکس بچانے والی ایف ڈی واپس نہیں لے سکتے | آپ 3 سال کے بعد ELSS سے نکل سکتے ہیں یا نکال سکتے ہیں۔ |
آن لائن آپشن | تمام بینک آن لائن پیش نہیں کرتے ہیں۔سہولت ایف ڈی کھولنے کے لیے | کوئی ایک ELSS آن لائن شروع کر سکتا ہے – بطور یکمشت یاگھونٹ |
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2023 (%) Motilal Oswal Long Term Equity Fund Growth ₹51.4909
↑ 0.10 ₹4,074 0.7 14.7 49.9 23.3 22.8 37 IDBI Equity Advantage Fund Growth ₹43.39
↑ 0.04 ₹485 9.7 15.1 16.9 20.8 10 Franklin India Taxshield Growth ₹1,418.56
↓ -4.65 ₹6,833 -3.9 7.2 30.8 16.9 20.1 31.2 JM Tax Gain Fund Growth ₹47.225
↓ -0.26 ₹181 -7.6 5.3 33.9 16.7 21.2 30.9 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 21 Nov 24
*ذیل میں 100 - 15000 کروڑ کے درمیان AUM رکھنے والے فنڈز کی فہرست ہے اور فنڈ کی عمر 3 سال سے اوپر ہے۔ 3 سالہ کارکردگی کی بنیاد پر۔ (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 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 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 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. Motilal Oswal Long Term Equity Fund
CAGR/Annualized
return of 18.1% 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 (21 Nov 24) ₹51.4909 ↑ 0.10 (0.19 %) Net Assets (Cr) ₹4,074 on 31 Oct 24 Category Equity - ELSS AMC Motilal Oswal Asset Management Co. Ltd Rating Risk Moderately High Expense Ratio 0.74 Sharpe Ratio 3.58 Information Ratio 1.56 Alpha Ratio 22.87 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 ₹9,099 31 Oct 21 ₹14,648 31 Oct 22 ₹14,723 31 Oct 23 ₹17,301 31 Oct 24 ₹28,444 Returns for Motilal Oswal Long Term Equity Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 21 Nov 24 Duration Returns 1 Month -5.3% 3 Month 0.7% 6 Month 14.7% 1 Year 49.9% 3 Year 23.3% 5 Year 22.8% 10 Year 15 Year Since launch 18.1% 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 0.89 Yr. Niket Shah 17 Oct 23 1.04 Yr. Santosh Singh 1 Oct 24 0.08 Yr. Rakesh Shetty 22 Nov 22 1.94 Yr. Data below for Motilal Oswal Long Term Equity Fund as on 31 Oct 24
Equity Sector Allocation
Sector Value Industrials 32.36% Consumer Cyclical 25.26% Financial Services 17.45% Technology 7.49% Real Estate 6.96% Health Care 5.64% Basic Materials 4.32% Asset Allocation
Asset Class Value Cash 0.53% Equity 99.47% Top Securities Holdings / Portfolio
Name Holding Value Quantity Trent Ltd (Consumer Cyclical)
Equity, Since 31 Aug 22 | 5002517% ₹303 Cr 425,260 Zomato Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | 5433206% ₹259 Cr 10,702,790
↓ -1,075,547 Kalyan Jewellers India Ltd (Consumer Cyclical)
Equity, Since 31 Oct 23 | KALYANKJIL5% ₹217 Cr 3,296,932 Inox Wind Ltd (Industrials)
Equity, Since 31 Dec 23 | INOXWIND4% ₹178 Cr 7,946,960 Gujarat Fluorochemicals Ltd Ordinary Shares (Basic Materials)
Equity, Since 28 Feb 23 | FLUOROCHEM4% ₹176 Cr 408,886 Prestige Estates Projects Ltd (Real Estate)
Equity, Since 31 Oct 23 | PRESTIGE4% ₹173 Cr 1,055,205 Kaynes Technology India Ltd (Industrials)
Equity, Since 30 Jun 23 | KAYNES4% ₹162 Cr 297,751 Suzlon Energy Ltd (Industrials)
Equity, Since 31 Jan 24 | SUZLON4% ₹161 Cr 24,068,813 Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 29 Feb 24 | MCX4% ₹153 Cr 235,083 Apar Industries Ltd (Industrials)
Equity, Since 31 Dec 23 | APARINDS4% ₹149 Cr 148,305 2. 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 21 Nov 24 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 3. Franklin India Taxshield
CAGR/Annualized
return of 21.3% 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 (21 Nov 24) ₹1,418.56 ↓ -4.65 (-0.33 %) Net Assets (Cr) ₹6,833 on 31 Oct 24 Category Equity - ELSS AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderately High Expense Ratio 1.83 Sharpe Ratio 2.24 Information Ratio 0.89 Alpha Ratio 4.48 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 ₹9,045 31 Oct 21 ₹15,335 31 Oct 22 ₹16,015 31 Oct 23 ₹18,141 31 Oct 24 ₹25,423 Returns for Franklin India Taxshield
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 21 Nov 24 Duration Returns 1 Month -5% 3 Month -3.9% 6 Month 7.2% 1 Year 30.8% 3 Year 16.9% 5 Year 20.1% 10 Year 15 Year Since launch 21.3% 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 8.51 Yr. Rajasa Kakulavarapu 1 Dec 23 0.92 Yr. Data below for Franklin India Taxshield as on 31 Oct 24
Equity Sector Allocation
Sector Value Financial Services 27.04% Consumer Cyclical 13.61% Industrials 12.88% Technology 10.08% Consumer Defensive 6.59% Communication Services 6% Basic Materials 5.53% Health Care 5.51% Utility 4.29% Energy 4.04% Real Estate 0.73% Asset Allocation
Asset Class Value Cash 2.94% Equity 97.06% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | ICICIBANK8% ₹579 Cr 4,546,914 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 07 | HDFCBANK8% ₹565 Cr 3,260,417
↑ 215,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 07 | BHARTIARTL6% ₹403 Cr 2,356,802 Infosys Ltd (Technology)
Equity, Since 29 Feb 12 | INFY5% ₹361 Cr 1,922,741 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Dec 19 | LT4% ₹325 Cr 883,853 Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 14 | 5322154% ₹278 Cr 2,252,948 HCL Technologies Ltd (Technology)
Equity, Since 31 Oct 21 | HCLTECH4% ₹263 Cr 1,462,587 United Spirits Ltd (Consumer Defensive)
Equity, Since 31 Oct 18 | UNITDSPR4% ₹262 Cr 1,650,000 NTPC Ltd (Utilities)
Equity, Since 31 Oct 16 | 5325553% ₹225 Cr 5,086,849 Zomato Ltd (Consumer Cyclical)
Equity, Since 30 Nov 21 | 5433203% ₹205 Cr 7,500,000 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 (21 Nov 24) ₹47.225 ↓ -0.26 (-0.55 %) 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 Returns for JM Tax Gain Fund
absolute basis
& more than 1 year are on CAGR (Compound Annual Growth Rate)
basis. as on 21 Nov 24 Duration Returns 1 Month -6.6% 3 Month -7.6% 6 Month 5.3% 1 Year 33.9% 3 Year 16.7% 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 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 | 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. 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 21 Nov 24 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
نئے سرمایہ کاری کرنے سے پہلے لوگ بہت سی چیزوں پر غور کرتے ہیں۔ عمر، سرمایہ کاری کا افق اورخطرے کی بھوک چند اہم عوامل ہیں. جو لوگ دولت میں اضافے اور ٹیکس کے فوائد کے دوہرے فوائد چاہتے ہیں وہ ELSS کو ترجیح دیتے ہیں۔ مثال کے طور پر، طویل سرمایہ کاری کے افق کے ساتھ نئے سرمایہ کار اور زیادہ خطرے کی بھوک ELSS کو ایک معقول آپشن سمجھتے ہیں۔ قریب آنے والے لوگریٹائرمنٹ ٹیکس بچانے والی FDs میں سرمایہ کاری کر سکتے ہیں کیونکہ ان میں کم خطرات ہوتے ہیں اور طویل مدتی (کم از کم 5 سال یا اس سے زیادہ) میں واپسی کی ضمانت ہوتی ہے۔
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