What is Best For ELSS Investment Sip or Lump sum ? in Hindi

Download SIP Calculator Here

1. What is best For ELSS SIP or Lump Sum

Mutual Fund me ELSS Fund wo fund hote hain Section 80C ke tahat aapka 1.5 lakh tak ki tax chhut aapko dila saktey hain.

Govt aapke kamay ₹ 2,50,000 tak pe koi tax nahi leti hain lekin 2.5 se uper aur 5 lakh tak kamane pe 5% ka tax dena hota hain aur jo 5 lakh se 10 lakh pe 20% tax dena hota hain

ELSS me investment suru karne se pahle ELSS ke bare me puri jankari hona bahut jaruri hain ELSS Mutual Fund Plan aapka 1.5 lakh rupee to bachatey hain lekin ELSS fund ko baki fund ki tarah jab chahey nikala nahi jasakta ELSS ke har fund me 3 Year ka lock-in hota hain aur invest month ki har sip par 3 year ka lock-in lagta hain to ELSS fund me nivesh kiya  paisa 3 sal ke bad hi nikala ja sakta hain ELSS wasatav me ek equity scheme hi hain aur iska ek bada hissa market me invest hota hain

2. SIP or Lump sum

ELSS fund ke liye sip kare ya Lump Sum ye depend karta hain ki aapko market ki kitna samajh hain waise market ko time kar pana muskil hain lekin thodi si samajhdari ke sath nivesh kiya jaye to Lump sum bhi kiya ja sakta hain.

ELSS investment with Sip ?– Agar ELSS me sip ke dawar investment kiya jaye to iska fayda bhi hain aur thoda sa nuksan bhi sip ka sabse bada fayda ye hain ki aapko market ke utar chadhav ke kharid ka fayda milta hain jise market ki volatility ka impact kam ho jata hain lekin iska ek disadvantage ye bhi ki invest kiye gaye har month ke sip pe 3 year ka lock-in ho jata hain lekin long term ke liye investment karne par sip se aapko compounding ke wajah se ek achchha return milta hain.

ELSS investment with Lump sum ? Elss plan me Lump sum ke dawara nivesh kafi had tak sahi hain agar investor ko market ko parakh hain aur soch samajh ke nivesh kiya jaye to sal me ek bar ya do bar ELSS me nivesh kar ke 1.5 lakh tak ka tax bachaya ja sakta hain Lump sum investment se market ki volatility se kafi nuksan hone ka bhi khatara hota hain par lump sum invest hone ki wajah se pure sal ek badi rakam pe return bhi milta hain.

investor ko elss me nivesh se pahle ye dekhna chahiye ki uska next year ka kitna tax kat sakta hain utne ka hi lump sum ya sip karne se 3 year ke lock-in se bacha jasakta hain agar aap jayada invest karene to jarurat ke samay elss fund se aapke paise aap nahi nikal saktey isi liye elss me kewal utne paise hi invest kare jitna aapka tax katne wala hain.

Waise expert samesha aapko yahi salah dega ki mutual fund me sip ke dawara hi nivesh kare jis se aapko regular buying ka benift milta rahe ab dekhna ye hain agar aap mutaul fund ke dusre plan ki bat karen to hamesh sip karne me hi aapka fayda hain aur jab market nichey giri ustime aur paise invest karna chahiye taki market me aayi girawat ka sahi fayada aapko mil sake par kuchh log girti market me mutual fund ki sip ko band kar ke apne paise nikal letey hain aur ye unki sabse badi galti mese ek hoti hain mutual fund me Long time tak invest karne se aapko feature me ek achchha return milta hain jo fix deposits kabhi nahi de saktey giri hui market me invest karne ka sabse sahi tarika hain ki ek badi rakam ko Liquid fund me invest kar diya jaye aur market ko dekhtey hue dhire dhire stp ke madhayam se apne paise ko invest kiya jaye to giri hui market ka sahi labh uthaya ja sakta hain.

3. Top Best ELSS Fund to invest in 2018 -19

  1. Motilal Oswal Long Team Equity Fund Direct Growth
  2. Aditya Birla SL Tax Relif 96 Fund Direct Growth
  3. L&T Tax advantage  Fund Direct Growth
  4. HDFC LT Advantage Fund Direct Growth
  5. IDFC Tax Advantage Fund Direct Growth

Best Elss Fund ki jab bhi bat aati hain to uper likhe fund aapko jarur dikhenge agar aap bhi koi ELSS fund lene ki soch rahe hain to ye aapke liye best option ho saktey hain

Please follow and like us:
error20

One Reply to “What is Best For ELSS Investment Sip or Lump sum ? in Hindi”

  1. Which fund is better? Tax saver ELSS or non tax saver equity mutual funds?
    Is maturity amount in tax saver elss is exempted from tax or taxable? How much tax is paid on maturity amount of normal equity mutual funds?

Leave a Reply

Your email address will not be published. Required fields are marked *