Key Takeaways
✓80C mein ₹1.5 lakh tak deduction
✓Sirf 3 saal ka lock-in (sabse kam)
✓Equity fund — high return potential
✓₹46,800 tak tax savings possible
ELSS kya hai?
ELSS ek special type ka equity mutual fund hai jo Income Tax Act Section 80C ke under tax benefit deta hai. Agar tumhara income taxable hai, toh ELSS mein invest karke ₹1.5 lakh tak ki deduction claim kar sakte ho. Yani ₹46,800 tak real cash tax bachta hai (30% tax bracket mein).
ELSS vs PPF vs NSC — kya better hai?
PPF: 7.1% return, 15 saal lock-in. NSC: 7.7% return, 5 saal lock-in. ELSS: 12-15% historical return, sirf 3 saal lock-in! ELSS sabse kam lock-in aur sabse zyada return potential deta hai. Only risk: market-linked hai, guaranteed nahi.
ELSS mein kaise invest karein?
Step 1: Groww/Kuvera app open karo. Step 2: ‘Tax Saver’ ya ‘ELSS’ filter lagao. Step 3: Top rated fund choose karo (Mirae Asset Tax Saver, Axis Long Term Equity, Parag Parikh Tax Saver). Step 4: ₹500/month se SIP shuru karo ya lump sum dalo. Step 5: March 31 se pehle invest karo.
Important: 3 saal ka lock-in
ELSS mein invest kiya paisa 3 saal se pehle nahi nikal sakte. SIP ke case mein — har monthly installment 3 saal ke baad unlock hoti hai. Matlab March 2025 ki SIP March 2028 mein available hogi. Plan accordingly.
Ready to invest?
Start your first SIP on Groww or Kuvera — takes just 15 minutes. ₹500/month se shuru kar sakte ho!