ELSS Funds in 2025 me agar aap apna tax bachana chahte hain aur sath hi investment se returns bhi kamaana chahte hain, to ELSS mutual funds aapke liye ek perfect option ho sakte hain. Naye investors ke liye ELSS ka matlab hai Equity Linked Savings Scheme – jo ki ek aisa mutual fund hai jisme aap equity market me invest karke ₹1.5 lakh tak ki tax deduction le sakte hain, wo bhi under Section 80C.
ELSS mutual funds ka lock-in period sirf 3 saal hota hai – jo isse baaki tax-saving options jaise PPF, NSC ya FD se zyada flexible banata hai. Is guide me hum detail me jaanenge ELSS funds kya hote hain, yeh kaise kaam karte hain, kis tarah se aap 2025 me inme invest kar sakte hain aur kaise ye aapke wealth creation aur tax saving dono me madad karte hain.
ELSS Funds kya hote hain?
ELSS ka full form hai Equity Linked Savings Scheme. Yeh ek type ka mutual fund hota hai jisme aapka paisa equity (shares/stocks) me invest hota hai. Lekin iska sabse bada fayda ye hai ki yeh aapko tax benefit deta hai.
- Section 80C ke under ₹1.5 lakh tak ki deduction milti hai har saal.
- Isme 3 saal ka lock-in period hota hai, jo sabse kam hai tax-saving instruments me.
- Market-linked returns milte hain jo fixed instruments se zyada ho sakte hain.
ELSS mutual funds aise investors ke liye ideal hain jo risk lene ko tayar hain aur tax ke sath-sath wealth bhi create karna chahte hain.
ELSS me invest karna kyun jaruri hai?
2025 me ELSS funds me invest karna isliye faydemand hai:
- Tax bachaate hain: ₹1.5 lakh tak ki tax saving Section 80C ke through.
- Wealth create karte hain: Equity market se long-term me achhe returns milte hain.
- Shortest lock-in: Sirf 3 saal ka lock-in, jabki PPF me 15 saal hota hai.
- SIP possible: Monthly ₹500 se bhi shuru kar sakte hain.
Yeh aise investors ke liye best hai jo disciplined investing ke saath-saath tax planning bhi karna chahte hain.
ELSS me invest kaise karein? (Step-by-step)
ELSS mutual funds me invest karna bahut asaan hai:
- Apna KYC complete karein (PAN card, Aadhaar, address proof).
- Kisi trusted platform se choose karein jaise Groww, Zerodha, Kuvera, Paytm Money.
- Fund ka selection karein (e.g. Axis Long Term Equity Fund, Mirae Asset Tax Saver Fund).
- SIP ya lump sum mode choose karein.
- Minimum ₹500 se shuru kar sakte hain.
Aap fund ki past performance, AUM (Asset Under Management) aur fund manager ka record check karna na bhoolen.
ELSS ka performance 2025 me kaisa rahega?
Market experts ke mutabik 2025 me Indian equity market me moderate to strong growth dekhne ko mil sakta hai, jis wajah se ELSS funds ka return bhi achha ho sakta hai. Long-term historical data dekhe to ELSS funds ne average 12–15% annual return diya hai.
Lekin yaad rahe, yeh market-linked product hai, isliye short-term fluctuation possible hai. Isliye 3 saal ke baad bhi agar market low hai to withdrawal na karein, hold karna zyada behtar hoga.
ELSS vs other 80C options
| Option | Lock-in Period | Return Type | Risk |
|---|---|---|---|
| ELSS | 3 years | Market-linked | Moderate |
| PPF | 15 years | Fixed | Low |
| Tax Saving FD | 5 years | Fixed | Low |
| NSC | 5 years | Fixed | Low |
ELSS ka sabse bada benefit hai higher return aur lowest lock-in.
ELSS invest karne ke liye best practices
- SIP se invest karein taaki market volatility ka asar kam ho.
- 3 saal ke baad fund ki performance dekhkar hi withdrawal ka decide karein.
- Hamesha fund ki consistency aur long-term track record dekhein.
- Portfolio diversification ke liye ELSS ko ek hisse me rakhein, pura paisa na lagayein.
ELSS Funds in 2025 video guide
FAQs ELSS Funds in 2025
Q1. Kya ELSS me har saal ₹1.5 lakh invest karna padega?
Nahi, ye optional hai. Aap jitna invest karna chahen utna karein, lekin ₹1.5 lakh tak ka hi tax benefit milega.
Q2. Kya ELSS me loss bhi ho sakta hai?
Haan, market-linked product hone ke karan short-term me loss possible hai, lekin long-term me risk kam hota hai.
Q3. SIP aur lump sum me kya better hai?
SIP zyada behtar hota hai kyunki wo market fluctuations ko average kar deta hai.
Q4. Kya 3 saal ke baad fund automatically nikal jata hai?
Nahi, aapko khud manually withdraw karna hota hai.
Q5. Kya ELSS me reinvestment kar sakte hain?
Haan, aap matured amount ko dobara kisi ELSS ya doosre fund me invest kar sakte hain.
Q6. Kya ELSS mutual fund me agent ki zarurat hoti hai?
Bilkul nahi, aap khud bhi direct mutual fund me online invest kar sakte hain.
Q7. ELSS kaunsa fund sabse acha hai 2025 me?
Axis Long Term Equity, Mirae Asset Tax Saver, Canara Robeco Tax Saver kuch ache options hain.
Conclusion ELSS Funds in 2025
Agar aap 2025 me ek aise tax-saving option ki talash me hain jo aapko sirf deduction hi nahi balki achha return bhi de sake, to ELSS mutual funds perfect choice hain. Short lock-in, equity ka exposure, aur SIP ka option isse naye investors ke liye ideal banata hai.
Lekin investment se pehle apna risk appetite samjhein, fund ki research karein aur discipline banaye rakhein. ELSS me investment aapki tax planning ko smart banane ke sath-sath aapke financial goals ko bhi aasan banata hai.
Agar aapko yeh article helpful laga ho to apne doston ke sath share karein aur ELSS ke through tax saving ka smart plan banayein!
Related content= Zero Commission Investing Apps 2025 me best platforms ka comparison
Mutual Funds vs PPF – 2025 me kaun best hai long-term investors ke liye?