ELSS Mutual Funds 2025 – 2025 me agar aap salaried employee hain ya naye investor hain, to aap zarur soch rahe honge ki tax kaise bachaayein aur sath hi apna paisa kaise badhaayein. In dono ka jawab chhupa hai ek hi smart financial product me — ELSS Mutual Funds. Yeh aise funds hain jo aapko Income Tax Act ke Section 80C ke tahat tax deduction bhi dete hain aur aapke invest kiye paise ko stock market me lagakar long-term growth bhi dete hain.
Aaj ke digital aur inflation-heavy zamane me traditional tax saving options jaise FD ya LIC returns me peeche reh jaate hain. ELSS me invest karna simple hai, returns attractive hote hain, aur lock-in period bhi sirf 3 saal ka hota hai — sabse kam mutual fund category me. Aaiye is 2025 guide me detail me samjhte hain ki ELSS kya hota hai, kyu ye best hai tax saving ke liye aur kaise aap isme invest kar sakte hain.
ELSS Mutual Funds kya hote hain?
ELSS ka matlab hota hai Equity Linked Savings Scheme. Yeh ek aisa mutual fund hota hai jo investors ke paise ko majorly equity ya stock market me invest karta hai. Iska khas feature hai ki isme invest ki gayi rakam par aapko tax benefit milta hai under Section 80C, jisme aap maximum Rs. 1.5 lakh tak ka deduction le sakte hain.
ELSS me aap chahein to lump sum invest karein ya SIP (Systematic Investment Plan) ke through har mahine chhoti rakam lagayein. Iska lock-in period 3 saal ka hota hai — matlab aapka paisa 3 saal tak nikaala nahi ja sakta, lekin ye period mutual funds ke comparison me sabse kam hai.
ELSS me invest karna kyun smart tax saving option hai?
ELSS 2025 me isliye sabse smart tax saving option mana ja raha hai kyunki:
- Isme highest potential returns milte hain compare to other 80C options jaise PPF, NSC, FD.
- 3 saal ka lock-in period hi required hai, jabki PPF me 15 saal aur NSC me 5 saal ka hota hai.
- Tax benefit ke saath wealth creation bhi hota hai.
- SIP ke through aap discipline ke sath monthly invest kar sakte hain.
Yeh combination kisi aur tax saving product me nahi milta.
ELSS me invest kaise karein? Step-by-step guide
- Demat account optional: ELSS me invest karne ke liye aapko Demat account ki zarurat nahi hoti. Aap mutual fund apps (Groww, Kuvera, Coin by Zerodha) se directly invest kar sakte hain.
- Apni risk appetite samjhein: ELSS equity-based hai, to short-term volatility ho sakti hai, lekin long-term returns ache milte hain.
- Fund choose karein: Past performance, fund manager ka record, aur AUM (Asset Under Management) dekh kar best ELSS fund chunein.
- SIP ya Lump sum option choose karein aur KYC complete karke invest karein.
2025 me kai platforms ne 100% digital KYC aur invest process simple bana diya hai.
2025 me best ELSS funds kaun se ho sakte hain?
Halanki mutual funds me performance guarantee nahi hoti, lekin kuch popular aur trusted ELSS funds hain jo consistent returns dete aaye hain:
- Mirae Asset Tax Saver Fund
- Axis Long Term Equity Fund
- Canara Robeco Equity Tax Saver
Yeh funds 5–7 saal me 10–14% tak ka annual return de chuke hain historically. Lekin invest karne se pehle hamesha fund ka updated data check karein.
ELSS me risk kya hai?
ELSS equity market me invest karta hai, isliye short-term market fluctuations ka impact pad sakta hai. Lekin agar aap 5–7 saal tak bane rahte hain to risk kafi had tak kam ho jata hai. Yahan kuch cheezein dhyan me rakhni chahiye:
- Return fixed nahi hote
- Lock-in period ke dauran paisa nahi nikal sakte
- Market crash me NAV (Net Asset Value) kam ho sakta hai
Lekin ye risk long-term investing me generally manage ho jate hain agar aap disciplined aur patient hain.
ELSS mutual funds kis ke liye best hain?
- Salaried employees: Jo har saal Section 80C me tax bachaana chahte hain
- Naye investors: Jo equity market me entry lena chahte hain with tax benefit
- Young professionals: Jinke paas time hai long-term invest karne ka
Jin logon ko fixed return chahiye ya risk bilkul lena nahi chahte, unke liye ELSS ideal nahi hai.
ELSS Mutual Funds 2025 Tax Saving ke liye best kaise hain video
FAQs (Frequently Asked Questions)
Q1. Kya ELSS me har saal invest karna padta hai?
Nahi, lekin agar aap har saal 80C ka benefit chahte hain to regular invest karna useful hota hai.
Q2. ELSS fund me minimum kitna invest kar sakte hain?
Aap minimum Rs. 500 se SIP start kar sakte hain.
Q3. Kya ELSS ke returns tax-free hote hain?
Agar 1 lakh se zyada capital gain hota hai to uspe 10% LTCG tax lagta hai.
Q4. ELSS me SIP kaise kaam karta hai?
Har month aap ek fixed amount invest karte hain, aur har installment par 3 saal ka lock-in hota hai.
Q5. Kya ELSS me paisa lock hone ke baad nikal sakte hain?
Haan, 3 saal ke baad aap apna fund kabhi bhi redeem kar sakte hain.
Q6. Kya ELSS aur normal mutual fund me fark hota hai?
Haan, ELSS me tax saving benefit milta hai aur 3 saal ka lock-in hota hai, jabki normal mutual fund me nahi.
Q7. Kya ELSS investment safe hai?
Market risk hota hai, lekin long term me returns achhe milte hain agar aap sahi fund chunein.
Conclusion
2025 me agar aap smart aur tax-efficient investing ki soch rahe hain to ELSS mutual funds aapke liye ek best option ban sakte hain. Ye sirf tax bachate nahi, balki aapke paise ko long-term me multiply karne ka bhi zariya ban sakte hain. 3 saal ka lock-in, equity ka exposure, aur SIP ka flexibility isse naye investors ke liye perfect bana dete hain. Hamesha yaad rakhein, fund choose karte waqt research karein aur long term ka nazariya rakhein. Agar aap disciplined investor hain to ELSS aapki financial planning ka ek powerful hissa ban sakta hai.
Agar aapko ye article informative laga ho to ise zarur share karein aur apne tax saving journey me ELSS ko consider karein!
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