ELSS Tax Saving Fund Delhi NCR — Section 80C 2026
ELSS (Equity Linked Savings Scheme) Section 80C mein Rs.1.5 lakh tak tax deduction ke saath equity investment karta hai. 3-saal minimum lock-in. Binod Kumar Shukla (ARN: 50844) free ELSS guidance dete hain.
ELSS Kya Hai?
ELSS ek open-ended equity mutual fund hai jo Income Tax Act Section 80C ke under tax deduction deta hai. Minimum lock-in 3 saal. Waise returns market-linked hain — guaranteed nahi.
ELSS vs Other 80C Options (Indicative Comparison)
| Option | Lock-in | Return Type | Tax on Maturity |
|---|---|---|---|
| ELSS (MF) | 3 years | Market-linked (varies) | LTCG 10% above Rs.1L gain |
| PPF | 15 years | 7.1%* govt rate | Tax-free |
| NSC | 5 years | 7.7%* govt rate | Interest taxable |
| 5-year FD | 5 years | 6.5-7.5%* varies | Interest fully taxable |
| NPS | Till 60 | Market-linked | 60% lumpsum + 40% annuity |
*All return figures indicative. Government rates change. Past performance not guaranteed. Consult CA for exact tax implications.
Indicative Tax Saving — ELSS
30% income tax bracket mein Rs.1.5 lakh ELSS invest karne par indicative tax saving: ~Rs.46,800 (including cess). Actual saving aapki total income, other deductions, aur applicable tax regime par depend karti hai. Qualified CA se consult karein.
ELSS Mistakes to Avoid
- ❌ March mein ek baar lumpsum — year-round SIP better hai
- ❌ 3-saal baad immediately redeem — equity ke liye 5-7 saal better
- ❌ Return guarantee maanna — equity fund hai, varies karta hai
- ❌ Multiple ELSS funds — 1-2 kaafi hain
FAQs — ELSS
ELSS Tax Guidance — Free
Binod sir ELSS fund selection mein guidance denge. Exact tax advice ke liye CA se consult karein.
ELSS Tax Saving Fund Delhi NCR — Section 80C 2026
ELSS (Equity Linked Savings Scheme) Section 80C mein Rs.1.5 lakh tak tax deduction ke saath equity exposure deta hai. 3-saal minimum lock-in. Binod Kumar Shukla (ARN: 50844) free ELSS guidance dete hain.
ELSS vs Other 80C Options
| Option | Lock-in | Return Type | Tax on Returns |
|---|---|---|---|
| ELSS | 3 years | Market-linked (varies) | LTCG 12.5% above Rs.1.25L gain |
| PPF | 15 years | 7.1%* (Govt, changes) | Fully tax-free |
| NSC | 5 years | 7.7%* (Govt, changes) | Interest taxable |
| 5-Year FD | 5 years | 6.5-7.5%* (varies) | Interest fully taxable |
| NPS | Till 60 | Market-linked | 60% lumpsum + 40% mandatory annuity |
*All return figures indicative. Rates change. Consult CA for tax implications.
Indicative Tax Saving
5 ELSS Mistakes to Avoid
- ❌ March mein ek baar lumpsum — year-round monthly SIP better hai tax planning ke liye
- ❌ 3 saal baad immediately redeem — equity ke liye 5-7 saal better hota hai
- ❌ Return guarantee maanna — equity fund hai, market risk hai
- ❌ Multiple ELSS funds — 1-2 fund kaafi hain 80C ke liye
- ❌ New tax regime mein ELSS — 80C benefit sirf old tax regime mein milta hai
FAQs
ELSS Tax Guidance — Free
Binod sir ELSS fund selection mein guidance denge. Exact tax advice ke liye CA se consult zaroor karein.
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