ELSS ,tax saving,investment ppf,80c,wealth management,portfolio

1.  ELSS investments up to 1,50,000 are eligible for deduction
from your taxable income under section 80 C.
ELSS has shortest lock in period (3 years).
Capital gains arising from redemptions and dividends are
tax free.
Higher return compared to other schemes in the class.
You can Invest through a Systematic Investment Plan.
You can opt for a Dividend Payout option.
AdvantagesOf Investing InELSS

2. How dodeductionu/s 80C work?
Particulars Without Tax Saving
Investments u/s 80C
With Tax Saving
Investments u/s 80C
Gross Total Income Rs.7,50,000 Rs.7,50,000
Exemption u/s 80C Nil Rs.1,50,000
Total Income Rs.7,50,000 Rs.6,00,000
Tax on Total Income Rs.75,000 Rs.45,000
Tax saved Nil Rs.30,000

3. Comparisonof ELSSand otherTax Saving
instruments
Particulars PPF NSC ELSS
Tenure 15 years 6 years 3 years
Returns 8.70 % *
(Compounded
Annually)
8.50 to 8.80 % *
(Compounded half-
yearly)
12%-15%
Returns / Dividends
are Market
linked and not assured
Minimum Investment Rs.500 Rs.100 Rs.500
Maximum Investment Rs.150,000 No limit^ No limit^
Amount eligible for
deduction u/s 80C
Rs.150,000 Rs.150,000 Rs.150,000
Taxation for interest Tax free Taxable Dividends and capital
gain tax free
Safety/ Risk Low Risk Low Risk High Risk
(Market Linked)
Lock-in Period 15 Years - Partial
Withdrawal after 6
years is permitted
6 Years 3 years