Hello everyone mai aaj aapko batane wala hoon Best Mutual Funds for Tax Saving, Agar aap ek student ho ya aap paise kamate ho aur apne investment pe tax save karna chahte ho, to ELSS Mutual funds (Equity Linked Savings Scheme) aapke liye best option hai under section 80C.
Aaj ke is blog me hum janenge aapke liye Best mutual funds kon-kon se hai jo aapke paison ko grow karne ke saath-saath aapke tax bhi bachayenge.
ELSS Kya Hota Hai?
ELSS ek aisa mutual fund hai jo mainly stock market me invest karta hai, iska lock-in period sirf 3 saal ka hota hai baaki 80C options jaise PPF me 15 saal ka lock-in period hota hai.
Isme 1.5lakhs tak ka tax deduction hota hai under 80C, aur iska return potential bhi high hai kyunki ye equity me invest karta hai.
Top 5 Best ELSS Mutual Funds
1. Quant ELSS Tax Saver Fund
Aapke liye Quant ELSS fund ek accha option ho sakta hai invest karne ke liye kyunki pichle 3 years ke return bahot acche hai iske, Isme Risk thora zyada ho sakta par reward bhi bahot badhiya hai agar aap risk le sakte hai to isme invest kar sakte hai.
2. Axis Long Term Equity Fund
Agar aap risk nahi lena chahte ho to Axis equity fund aapke liye ek best option ho sakta hai kyunki iska performance consistent hai ye large cap me zyada invest karta hai to ye Quant ke hisaab se zyada safe option hai.
3. Mirae Asset Tax Saver Fund
Mirae asset tax saver fund ka bhi portfolio balanced hai, ye large mid-cap me invest karte hai to iske return bhi stable hai aur iska expense ratio bhi low hai to investment ke liye ye best option ho sakta hai.
4. Canara Robeco ELSS Tax Saver
Agar aap ek stable growth chahte ho aur saath me low risk bhi chahte ho to ye tax saver fund aapke liye best option hai.
5. DSP Tax Saver Fund
Ye tax saver fund bhi aapke liye ek accha option ho sakta hai kyunki iska track record bahot strong hai aur is tax saver fund ke paas Diversified fund bhi hai to ek suitable option hain.
Minimum Investment Kitna Karna Hota Hai?
Aap minimum 500rs per month se bhi SIP(Systematic Investment Plan) ke through investment kar sakte ho. Ye choti-choti investment aapko aage chalkar bada portfolio banane me help karegi.
Kaise Invest Kare?
Aap Groww, Zerodha jaise stock broker pe apna account banao aur uske baad uspe kyc complete karo uske baad fund choose karo aur invest karo.
Aap Niche diye gye link ke through groww pe apna account bana sakte ho.
Conclusion: Best Mutual Funds for Tax Saving
Agar aap apna tax smartly bachana chahte ho aur saath hi saath apna paisa bhi grow karna chahte ho toh ELSS mutual funds under 80C aapke liye best option hai aur jo maine upar 5 best ELSS funds bataye hai aap usse investing start kar sakte ho par aap apna research zaroor kar lena.
Aap starting me kam invest karo pahle seekho aur consistent raho aur apne financial future ko secure banao.
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Agar aapko ye blog helpful laga ho toh share karo aur apne doubts niche comment me pucho.
FAQ’S: Best Mutual Funds for Tax Saving
Tax saving ke liye best mutual funds kaun se hain?
Tax saving ke liye ELSS (Equity Linked Saving Scheme) mutual funds sabse popular hain. Ye 80C ke under ₹1.5 lakh tak ka tax benefit dete hain. Top ELSS funds mein Axis Long Term Equity, Quant Tax Plan, aur Parag Parikh Tax Saver Fund jaise options ache hain.
Kya ELSS funds safe hote hain?
ELSS funds equity-based hote hain, isliye thoda risk hota hai. Lekin long term investment (5-7 saal) se risk kaafi kam ho jata hai aur returns bhi ache milte hain. Ye tax saving ke saath wealth creation ka bhi option hai.
ELSS mutual fund ka lock-in period kitna hota hai?
ELSS funds ka lock-in period sirf 3 saal ka hota hai, jo ki tax saving investment options mein sabse kam hai (PPF, NSC, FD ke mukable).
Kya SIP se bhi ELSS mein invest kar sakte hain?
Haan, aap SIP (Systematic Investment Plan) se ELSS mutual fund mein invest kar sakte ho. Har SIP ka apna 3 saal ka lock-in hota hai. SIP se regular aur disciplined investment hoti hai.
ELSS se kitna tax bacha sakte hain?
Aap ELSS mein invest karke Income Tax Act ke Section 80C ke under ₹1.5 lakh tak ka deduction le sakte ho. Agar aap 30% tax slab mein ho, to approx ₹46,800 tak ka tax bacha sakte ho.
ELSS ke returns taxable hote hain kya?
Haan, ELSS se milne wale returns par Long Term Capital Gains (LTCG) tax lagta hai. Agar aapka total LTCG ₹1 lakh se zyada hota hai ek saal mein, to 10% tax dena padta hai.
Best ELSS mutual fund choose kaise karein?
ELSS fund choose karte waqt ye factors dekhein:
Fund ka past performance (3-5 saal)
Fund manager ka experience
Expense ratio
Consistency of returns
Sath hi, trusted platforms ya advisor ki help lena bhi acha idea hai.
