๐ ELSS Funds:- Tax + Investment (Tax-saving Mutual Funds Info)
๐ข ELSS Funds Kya Hote Hain?
ELSS ka full form hai Equity Linked Savings Scheme.
Ye ek aisa mutual fund hota hai jo aapke paise ko stock market me invest karta hai, aur aapko Income Tax Act ke section 80C ke tahat ₹1.5 lakh tak ka tax benefit bhi milta hai.
Ye dono kaam ek saath karta hai:
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✅ Tax saving
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✅ Long-term wealth creation
๐ ELSS Ki Key Features
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Tax Benefit: ₹1.5 lakh tak ka deduction milta hai (Section 80C ke under)
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Lock-in Period: 3 years (sabse kam among tax-saving options)
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Equity Exposure: Aapka paisa equity market me invest hota hai
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Return Potential: Long term me 10–15% tak ka return mil sakta hai (market-dependent)
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SIP Option: Aap ₹500/month se bhi ELSS me invest kar sakte hain
❓ ELSS Kyon Choose Karein?
| Benefit | Description |
|---|---|
| ๐ Short Lock-in | Sirf 3 saal ka lock-in (PPF, NSC, etc. se kam) |
| ๐ Better Returns | Equity ka exposure, high return potential |
| ๐ Flexible Investment | SIP ya lump sum dono option available |
| ๐ Diversified Portfolio | Risk management through multiple stocks |
๐ ELSS Me Risk Bhi Hota Hai Kya?
Haan, kyunki ELSS fund equity market me invest karta hai, to short-term volatility hoti hai.
Lekin 3–5 saal ya usse zyada ke liye invest karne par yeh risk balance ho jata hai.
๐งพ Kaise Invest Karein ELSS Me?
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Demat Account ya direct mutual fund platforms (Groww, Zerodha, Paytm Money)
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Select ELSS Mutual Fund (e.g., Axis Long Term Equity, Mirae Asset Tax Saver, etc.)
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KYC complete karein
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SIP ya lump sum choose karein
๐ง Best Practices:
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3+ saal ka horizon rakhein
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SIP karein for consistency
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Diversify karke invest karein
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Past return ke sath fund manager ki credibility bhi check karein
๐ Conclusion:
Agar aap tax bachana chahte hain aur sath hi long-term me paisa bhi grow karna chahte hain, to ELSS Funds ek perfect combo hain.
₹500/month se bhi start karke aap apna investment journey begin kar sakte hain.
