Tax Saving Mutual Funds (ELSS) – Complete Guide 2025

Agar aapko investment ke sath tax saving bhi karni hai to ELSS (Equity Linked Savings Scheme) sabse best option hai. Ye ek type ka equity mutual fund hai jisme aapko Income Tax Act 80C ke under tax benefit milta hai.

ELSS Kya Hai?

ELSS ek mutual fund scheme hai jo mainly stock market me invest karta hai. Isme invest karne par aapko ₹1.5 lakh tak ka tax deduction milta hai.

ELSS Ki Key Features

• Lock-in Period: Minimum 3 saal (shortest among all tax saving options)
• Returns: Stock market ke performance par depend karta hai
• Tax Benefit: Section 80C ke under ₹1.5 lakh tak
• Mode: SIP ya Lumpsum dono options available

ELSS Vs Other Tax Saving Options

Investment Option	Lock-in Period	Returns
ELSS	3 years	High (market linked)
PPF	15 years	Moderate (7-8%)
FD (Tax Saver)	5 years	Low (5-6%)
NSC	5 years	Moderate (7-7.5%)

Best ELSS Funds 2025

• Axis Long Term Equity Fund
• Mirae Asset Tax Saver Fund
• Canara Robeco Equity Tax Saver Fund
• HDFC Tax Saver Fund

Conclusion

Agar aap tax bachate hue long-term wealth create karna chahte hain to ELSS sabse best option hai. Isme chhoti SIP se bhi start kiya ja sakta hai aur compounding ka fayda milta hai.