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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important nondeposit taking Non-Banking Financial Company (NBFC) and the holding
company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans,
Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,740
No. of Employees
68,400
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.91 Lakh Cr
Consolidated Lending Book
INR 2 Lakh CrABCL
Corporate Governance Policies
- Policy for appointment of Statutory Auditors
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- Fair Practices Code
- Internal Guidelines on Corporate Governance
- Familiarization Programme for Independent Directors
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Advantages of ELSS Mutual Funds
Tax saving
The amount invested is allowed as a tax deduction under Section 80C up to Rs.1.5 lakhs. You can save up to Rs.45,000 in taxes if you are in the 30% tax bracket.
Long-term growth
With a lock-in period of 3 years, you can stay invested in the equity market and get good returns on investments, tiding over short-term volatility.
Professional fund management
ELSS mutual funds are actively managed schemes wherein the fund managers try to mitigate risks and enhance returns.
Equity Exposure for Tax Benefits
ELSS funds mandate a significant portion of investment in equities, providing investors with exposure to the potential for higher returns that this asset class offers, alongside the tax-saving benefit.
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Explore ELSS Mutual Funds
Most Popular
AUM: 23427(Cr)
Risk: Very High
- MIN. INVESTMENT 500
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹10000
- Get (30 Yrs) ₹24,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: High
- MIN. INVESTMENT 1000
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹15000
- Get (30 Yrs) ₹34,850*
*Projections/estimations is backtested using historical data.
ELSS Mutual Funds Returns Calculator
REGULAR INVESTMENT
SIP
Invest systematically in regular amounts and build a corpus with a disciplined investing habit.
ONE TIME INVESTMENT
Lump sum
Invest once with the facility of lump sum investing and save at your will. Time the market correctly and earn good returns.
Total Amount Invested
₹ 0
after 30 years you will get a return of
₹ 0
Disclaimer: Projections/estimations is backtested using historical data.
Total Amount Invested
₹ 0
after 30 years you will get a return of
₹ 0
Disclaimer: Projections/estimations is backtested using historical data.
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Understanding ELSS Mutual Funds
Table of Contents
What are ELSS mutual funds?
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ELSS mutual funds are equity-oriented schemes with an added tax benefit. They invest a minimum of 80% of their portfolio in equity and equity-related securities and have a lock-in period of 3 years from the investment date.
What are the features of ELSS mutual funds?
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Investment made is eligible for deduction under Section 80C up to ₹1.5 lakhs
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There’s a lock-in period of 3 years
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Being equity funds , there’s a high volatility risks which stabilises with the lock-in period
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Suitable for investors with a long-term investment horizon and a high risk appetite
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Invest through SIPs or lump sum
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Earn tax-free returns up to ₹1 lakh
Things to keep in mind when investing in ELSS mutual funds
Premature withdrawals, during the lock-in period are not available
Each SIP will be locked in for 3 years
Tax deduction under Section 80C is available only under the old tax regime
The minimum investment amount can start from as low as ₹100 if you choose the SIP investment mode
What should be the investment horizon for ELSS mutual funds?
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ELSS funds have a lock-in period of 3 years
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As such, you need an investment horizon of 3+ years
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A long-term investment horizon also helps stabilise short-term volatility risks
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You can get good capital appreciation if you invest with a horizon of 5 years and above
What is the tax implication of ELSS mutual funds?
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Returns up to ₹1 lakh are tax-free
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Returns exceeding ₹1 lakh are taxed at 10%
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Dividends earned, if any, are taxed at your income tax slab rate
What are the payout options?
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Dividend option
Earn dividends on your investment at regular intervals
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Growth option
Accumulate the returns over the investment tenure and get a lump sum amount on redemption
Other Asset Class Funds
ETF Funds
Invest in funds listed and traded on the stock exchange
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Fund of Funds
Mutual funds that invest in other mutual funds both in India and globally
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Hybrid Funds
Get a mix of equity, debt and other asset classes for a diversified portfolio
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Index Fund
Passively-managed mutual funds tracking a particular index
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