Table of Contents
ای ایل ایس ایس فنڈز جسے ایکویٹی لنکڈ سیونگ سکیم کے نام سے بھی جانا جاتا ہے ایک ایکویٹی متنوع ٹیکس بچانے والا میوچل فنڈ ہے جو بڑے پیمانے پر اپنے اثاثوں کی سرمایہ کاری کرتا ہے۔ایکوئٹیز یا ایکویٹی سے منسلک آلات جیسے اسٹاک مارکیٹس۔ ای ایل ایس ایسباہمی چندہ پیشکشمارکیٹ- منسلک ریٹرن، جو کہ اتار چڑھاؤ کا شکار ہیں اور مارکیٹ کے حالات پر منحصر ہیں۔ البتہ،مالیاتی مشیر تجویز کریںسرمایہ کاری ELSS فنڈز میں طویل مدت کے لیے، کیونکہ یہ ELSS میوچل فنڈز طویل مدت کے لیے سرمایہ کاری کرنے پر بہترین منافع پیدا کرتے ہیں۔ حالیہ رپورٹس میں، یہ دیکھا گیا کہ ELSS فنڈز نے 3 سال کے لیے سرمایہ کاری کرنے پر تقریباً 20%-30% منافع حاصل کیا، جو کہ دوسرے Mutual Funds کے ذریعے حاصل ہونے والے منافع سے بہت زیادہ ہے۔
ELSS اور دیگر ٹیکس کی بچت کا موازنہ مدت، ریٹرن، اہلیت جیسے پیرامیٹرز پر مبنی ہے۔کٹوتی کے تحت80cوغیرہ
آئیے ایک نظر ڈالتے ہیں:
پیرامیٹر | پی پی ایف | این ایس سی | ایف ڈی | ای ایل ایس ایس |
---|---|---|---|---|
دور | 15 سال | 6 سال | 5 سال | 3 سال |
واپسی | 7.60% (سالانہ مرکب) | 7.60% (سالانہ مرکب) | 7.00 - 8.00 % (سالانہ مرکب) | کوئی یقینی ڈیویڈنڈ / واپسی نہیں کیونکہ یہ مارکیٹ سے منسلک ہے۔ |
کم از کم سرمایہ کاری | روپے 500 | روپے 100 | روپے 1000 | روپے 500 |
زیادہ سے زیادہ سرمایہ کاری | روپے 1.5 لاکھ | کوئی بالائی حد نہیں۔ | کوئی بالائی حد نہیں۔ | کوئی بالائی حد نہیں۔ |
80c کے تحت کٹوتی کے لیے اہل رقم | روپے 1.5 لاکھ | روپے 1.5 لاکھ | روپے 1.5 لاکھ | روپے 1.5 لاکھ |
سود/واپسی کے لیے ٹیکس | بلا ٹیکس | قابل ٹیکس سود | قابل ٹیکس سود | ایک لاکھ روپے تک کے منافع ٹیکس سے پاک ہیں۔ ایک لاکھ روپے سے زیادہ کے منافع پر 10% ٹیکس لاگو ہوتا ہے۔ |
حفاظت/درجہ بندی | محفوظ | محفوظ | محفوظ | خطرہ |
ذیل میں اس فنڈ کی فہرست ہے جس کے درمیان خالص اثاثے/AUM ہیں۔100 - 200 کروڑ
.
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 ₹47.8851
↑ 0.66 ₹181 -6.8 7.2 36 18.3 21.7 30.9 BOI AXA Tax Advantage Fund Growth ₹164.33
↑ 2.85 ₹1,436 -5.9 1 33 18 24.9 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 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% . JM Tax Gain Fund
Growth Launch Date 31 Mar 08 NAV (22 Nov 24) ₹47.8851 ↑ 0.66 (1.40 %) 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 28 Jul 23 Duration Returns 1 Month -2.9% 3 Month -6.8% 6 Month 7.2% 1 Year 36% 3 Year 18.3% 5 Year 21.7% 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 0.08 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 4. BOI AXA Tax Advantage Fund
CAGR/Annualized
return of 19.5% 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 (22 Nov 24) ₹164.33 ↑ 2.85 (1.76 %) 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 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 -0.4% 3 Month -5.9% 6 Month 1% 1 Year 33% 3 Year 18% 5 Year 24.9% 10 Year 15 Year Since launch 19.5% 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 | 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 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
مختلف ہیں۔ٹیکس کی بچت کی سرمایہ کاری ہندوستان میں اختیارات جن میں سے ELSS بہترین اختیارات میں سے ایک ہے۔ کیسے؟ اس کی چند وجوہات یہ ہیں۔
ELSS فنڈز ٹیکس بچانے والی دیگر سرمایہ کاری کے درمیان اسٹاک مارکیٹ میں سب سے زیادہ اثاثے مختص کرتے ہیں۔ لہذا، یہ فنڈز بہترین کماتے ہیں۔مہنگائی- سب کے درمیان مار پیٹ کی واپسی اگر طویل مدت کے لیے سرمایہ کاری کی جائے تو، ELSS کے منافع کی شرح دیگر روایتی قرض پر مبنی سرمایہ کاری کے منافع کو آسانی سے مات دے سکتی ہے۔ لہذا، ELSS میوچل فنڈز سرمایہ کاروں کو دونوں جہانوں میں بہترین منافع اور ٹیکس کے فوائد فراہم کرتے ہیں۔
روایتی ٹیکس بچانے والے سرمایہ کاری کے اختیارات کے مقابلے ELSS میوچل فنڈز میں مختصر لاک ان مدت ہوتی ہے۔ ELSS فنڈز کی لاک ان مدت 3 سال ہے جبکہ PPF کی مدت 15 سال ہے اوراین پی ایس تک ہےریٹائرمنٹ. لہذا، ELSS میں سرمایہ کاری کرنے سے آپ کا پیسہ زیادہ عرصے تک مقفل نہیں ہوتا ہے اور آپ لاک ان ختم ہونے کے فوراً بعد سرمایہ کاری روک سکتے ہیں۔
ELSS میوچل فنڈز کی لچک دیگر تمام ٹیکس بچانے والی سرمایہ کاری سے کہیں زیادہ ہے۔ روایتی سرمایہ کاری کے برعکس، صرف ایک قسم کے آپشن میں سرمایہ کاری کرنے کی ضرورت نہیں ہے۔ ELSS فنڈز آپ کو مختلف قسم کی سرمایہ کاری کے ساتھ اپنے پورٹ فولیو کو متنوع بنانے کے قابل بناتے ہیں۔ نیز، سرمایہ کار لاک ان مدت کے ختم ہونے کے بعد بھی ان فنڈز میں سرمایہ کاری کر سکتے ہیں۔ لہٰذا، ایک بار لاک ان ختم ہو جانے کے بعد، آپ آسانی سے اپنی سہولت کے مطابق سرمایہ کاری کرنے یا چھڑانے کا انتخاب کر سکتے ہیں۔
آخر میں، یہاں ELSS فنڈز میں سرمایہ کاری کرنے والے سرمایہ کاروں کے لیے چند تجاویز ہیں۔
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