Abhivrudhi Associates LLP

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Depending on your tax-slab, your savings under Sec 80C

If you are in 5% Slab

If you are in 20% Slab

If you are in 30% Slab

Save smartly through ELSS

Equity linked saving schemes

Save tax

Lowest lock-in period

Returns are linked to
stock market and are tax-free

Equity Linked Savings Schemes (ELSS) is a mutual fund investment that reduces your taxable income by ` 1,50,000. With a minimum lock-in period of just 3 years, ELSS has the potential to earn higher returns than most other tax-saving options as most of the portfolio is invested in the stock market.

ELSS MF Schemes vs other Tax Saving Schemes

	ELSS	Tax-saving FD	ULIP	NSC	PPF	EPF
Lock-in period	3 years	5 years	5 years	5/10 years	15 years	Till termination of employment
Taxation aspect	Dividend & capital gains are taxable post 1 Lakh	Interest is taxable as per your IT slab	Maturity/claims proceed are tax-free	Interest is taxable as per your tax-slab	Interest is tax-free	Interest is tax-free^^
Returns (p.a.)	Market-linked#	6.0%^	Market-linked	6.8%	7.1%	8.5%

	Lock-in period	Taxation aspect	Returns (p.a.)
ELSS	3 years	Dividend & capital gains are taxable post 1 Lakh	Market-linked#
Tax-saving FD	5 years	Interest is taxable as per your IT slab	6.0%^
ULIP	5 years	Maturity/claims proceed are tax-free	Market-linked
NSC	5/10 years	Interest is taxable as per your tax-slab	6.8%
PPF	15 years	Interest is tax-free	7.1%
EPF	Till termination of employment	Interest is tax-free^^	8.5%

# Return in market linked ELSS have been very good since inception. you are advice to check our ELSS return table before investing.

Investor Awareness :

Dear Investor, as you are aware, under the rapidly evolving dynamics of financial markets, it is crucial for investors to remain updated and well-informed about various aspects of investing in securities market. In this connection, please find a link to the BSE Investor Protection Fund website where you will find some useful educative material in the form of text and videos, to become an informed investor.
(Link: https://www.bseipf.com/investors_education.html )

We believe that an educated investor is a protected investor!!!
Investments in Securities are subject to market risk; there is no assurance or guarantee of returns. Please read the PMS Disclosure Document, Risk Disclosure Document and Dos and Don’ts prescribed by the Exchanges and Mutual Fund Offer Documents carefully before investing. For Mutual fund Investor its recommended following documents to be read Scheme Information Document (SID) Key Information Memorandum (KIM) Statement of Additional Information (SAI)
www.abhivrudhi.co is an online website of Abhivrudhi Associates LLP who is registered vide ARN-190834 as a AMFI Registered Mutual Fund Distributor and vide APRN03028 as APMI PMS Distributor. The said website intends to provide educative and informative details related to investments. We do not charge any fees for these calculators and information, because we earn our commissions from the Mutual Fund companies. The website does not guarantee any returns or financial goal success by any means.

Taxation

Don't let Taxes Bite into your earnings