Tax Saving Mutual Tax Saving Mutual Funds | ELSS Funds | ELSS

SchemesSchemesVentura Securities Ltd.

What is ELSS ? Mutual Fund scheme that invests in equity

instruments.

Eligible for deduction under section 80C of Income Tax Act.

Investment deductions up to Rs.1.50 Lacs (limit increased from Rs.1 lac to Rs.1.50 lacs) is eligible.

Tax Benefit (Under I.T. Sec 80C)

Equity Benefit. Potential for higher Returns

Tax – Free Dividends No Long Term Capital Gains tax

Lowest Lock-in Period (3Yrs)

Investments Amount: Min: Rs.1000 Max: Unutilized component of 80C

Why invest in ELSS ?

Comparison Between PPF, NSC and ELSS

Instrument Expected Returns Lock-In Period

National Savings Certificate - NSC 8.5% 5 years

Public Provident Fund - PPF 8.50% Up to 15 years

Mutual Fund ELSS Around 15%-20%* 3 years

*Mutual Fund investments are subject to market risk. Please read the offer document carefully before investing

In ELSSRs. 22.32 Lacs @ XIRR of 22.99%

In PPFRs. 3.49 Lacs @ XIRR of 8.50%

Rs. 1,00,000/- Invested 15 years back is worth today..

Data as on 22nd July 2015

Tax Exemption limit u/s 80C has increased from Rs. 1 Lac to Rs. 1.5 Lacs

PPF v/s ELSS

How money would have grown annuallyPPF

Year Interest (p.a.) Value (@ end of the year)

Jan-06 8,700 108,700Jan-07 9,457 118,157Jan-08 10,280 128,437Jan-09 11,174 139,611Jan-10 12,146 151,757Jan-11 13,203 164,959Jan-12 14,351 179,311Jan-13 15,600 194,911Jan-14 16,957 211,868Jan-15 18,433 230,301

ELSS

Year Gain / loss (Yearly)

Value (@ end of the year)

Jan-06 35,629 135,629Jan-07 87,965 223,594Jan-08 -8,173 215,420Jan-09 81,055 296,475Jan-10 128,024 424,499Jan-11 76,035 500,535Jan-12 125,210 625,744Jan-13 134,822 760,567Jan-14 267,439 1,028,005Jan-15 255,751 1,283,756

CAGR – 8.70% CAGR – 29.08%

Rs. 1 lac in ELSS invested for last 15 Years

Returns as on 31st July 2015 Source: Accord Fintech

Scheme Name Current Value(Rs.) CAGR

HDFC TaxSaver 2,232,900 22.99

ICICI Pru Tax Plan 2,155,399 22.70

Franklin India Taxshield 1,575,183 20.16

SBI Magnum TaxGain'93 1,225,583 18.17

Rs. 1 lac invested in ELSS funds for last 5 years

Returns as on 31st July 2015 Source: Accord Fintech

Scheme Name Current Value(Rs.) CAGR

Axis LT Equity Fund 270,813 22.04

IDFC Tax Advt(ELSS) Fund 213,032 16.32

Birla SL Tax Relief '96 189,411 13.62

Recommended ELSS Schemes:

Returns as on 06th August 2015 Source: Accord Fintech

Scheme Name NAV (Rs.)

6 Mths 1 Yr 3 Yrs 5 Yrs

AUM  Exit Load (%)

Exit Period(Rs. in

Crs)

ELSS:

Axis LT Equity Fund 32.21 7.12 35.02 35.32 22.16 5,437

Lock in period- 3 years

  Birla SL Tax Relief ‘96 22.82 6.89 36.24 31.15 14.33 1,952

IDFC Tax Advantage Fund 42.05 9.02 32.71 30.02 16.45 358

SIP in ELSS

Investors can end up with many schemes as they invest lump sums every year and pick the best performer.

Consider investing in ELSS through systematic investment plans (SIPs).

Avoid last minute lump sum investing and use the SIP route instead.

Keep in mind - there is a lock-in of 3 years, which means that every SIP installment will get locked for 3 years. For example, if you choose to do a monthly SIP for a year starting January 2015 and the last instalment will be on December 2015, the first instalment’s lock-in will be get over in January 2018 and the last instalment’s in December 2018.

Stay Invested for LONG TERM

!!!

Time is ticking and every second counts….START INVESTING NOW….ITS NEVER TOO LATE !!

Thank you!Email – mital.chheda@ventura1.com

Call - 67747577