📈 Best ELSS Mutual Funds 2025 to Invest
ELSS mutual funds ka chunav karne se pahele unke fayde, nukshan aur upyukt ko samajna bahut jaruri hai. Pichhle kuchh salo me tax niyamo ke karan is cetegory ki lokpriyata me thodi giravat aayi hai, lekin iska mahatva abhi bhi bana huaa hai. Is post me ha vistar se janege ki Best ELSS Mutual Funds 2025 kaun se hai, inke kya fayde-nukshan hai, aur kiske liye ye fund upyukt hai.
🔒 Lock-In Period: Pros and Cons of ELSS Funds
Sabse pahele baat karte hai is category ki ek badi kami yaani lock-in period ki. ELSS funds me invest karne par aapka paisa tin saal ke liye lock ho jata hai. Mutual funds ki sabse badi khasiyat hoti hai ki aap jab chahe apni rashi nikal shakate hai, par ELSS me ye flexibility nahi hoti. Yah 3 saal ka lock-in kayi investers ke liye ek bada disadvanteg ho shakata hai.
Lekin iska ek bada fayda bhi hai. Agar aapka swabhav aisa hai ki aap bina soch-vichar ke paise nikal lete hai ya invest me anushashan ki kami mahsus karte hai, to yah lock-in aapke liye fayde ka sauda hai. Yah aapke invest ko majbuti deta hai aur implisive faislo se bachata hai.
🎯 Who Should Invest in Best ELSS Mutual Funds 2025?
Yah category un investers ke liye sabse upyukt hai jo invest ki shuruaat kar rahe hai aur-long-term invest karna chahte hai. Agar aap invest ke dauran anushashan me kamjor hai ya implisive nirnay lete hai, to yah fund aapke liye ek achcha vikalp sabit hoga.
Iske alava, agar aapke paas short-term goal nahi hai aur aap sirf tax saving ke uddeshya se invester karna chahte hai, to bhi ye fund upyukt hai. Parantu yadi aapko lagta hai ki aapko invest ke dauran adhik flexibility chahiye, to yah fund aapke liye sahi nahi hai.
💰 Role of ELSS in Tax Planning
Purane tax regim ke tahat ELSS funds tax saving ke liye bahut achcha vikalp the. Halaki naye tax regim ke aane ke baad inke mahatva me thodi giravat aayi hai, lekin abhi bhi purane regim me rahne wale investers ke liye ye ek behtarin option hai. 3 saal ka lock-in period hone ke bavajud , inke returns attractive hote hai aur tax bachat ka labh milta hai.
🔍 How to Select Best ELSS Mutual Funds 2025?
Jab hamne is category ke funds ka vishleshan kiya, to kul 39 funds uplabdh the. Inme se keval 20 funds ke apne sambandhit bechmark ko lambe samay tak pichhe chhoda. Baki 19 funds ko hamne bahar kar diya.
In 20 funds me bhi kayi aise the jo adhiktar bade cap companies par nirbhar the. Iska matlab hai ki yah funds alfa ( Atirikt Return) generate karne me utne prabhavshali nahi hai. Lekin kyoki yah funds tax bachat aur invest anushashan ke liye banaye gaye hai, isliye inme jyada risk nahi lena chahiye.
🛡️ Importance of Stability and Safety in Investment
Kisi bhi invester ke liye jaruri hota hai ki wah fund manager ke badlav ya apratyashit parishthitiyo me fas na jaye. Isliye invest me shthirta aur suraksha ko prathmikta dena chahiye. Hamne kharch ( expense ratio ), fund ke pradarshan, aur prabandhan ki shthirta ko dhyan me rakhte huye tin aise funds chune jo category average se behtar pradarshan kar rahe the.
🏆 Top ELSS Mutual Funds for 2025
Hamare filter ke baad tin pramukh funds samne aaye:
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Miraya asset ka ELSS tax saving fund
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Kotak ka ek fund ( jise hamne diversification aur similarity ke karan reject kiya )
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Parag parik ka flexi cap fund ( jise uchch exspense ratio aur overlap ke karan reject kiya gaya.
Miraya asset ke fund ko chuna gaya kyoki yah pichhle saal bhi achchi pradarshan samta dikha chuka hai aur nirantarta barkarar rakhta hai.
✅ Conclusion
Agar aap 2025 me tax bachat ke liye investment ki yojana bana rahe hai, aur investment me anushashan chahte hai, to Best ELSS Mutual Funds 2025 aapke liye upyukt ho shakate hai. Halaki 3 saal ka lock-in ek chunauti ho shakata hai, lekin yah aapko investment ke prati shthir rahne me madad kartahai.
Yah post aapke liye ek guide hai ki kaise sahi fund chune aur apne invest ko behtar banaye.
Frequently Asked Questions (FAQ) on Best ELSS Mutual Funds 2025
1. ELSS mutual funds me lock-in period kya hota hai?
ELSS mutual funds me tin saal ka lock-in period hota hai. Iska matlab hai ki jo paisa aapne fund me lagaya hai, use kam se kam teen saal tak nikal nahi shakate. Yah lock-in is category ka sabsee bada pro aur kaun dono hai. investers ko yah disciplin me madad karta hai, lekin jo log flexibility chahte hai unke liye yah ek bada nukshan bhi ho shakata hai.
2. Kya muje ELSS me invest karte samay fund ki flexibality ka dhyan rakhna chahiye?
Ji haa. Agar aap aise invester hai jo bina kisi wajah ke jadi paisa nikal lete hai ya aapke invest me discipline ki kami hai, to ELSS aapke liye ek achcha option ho shakata hai. Isme lock-in hone ki wajah se aap fund se 3 saal tak money nahi nikal payege, jisse impulsive faisle nahi hoge.
3. Best ELSS Mutual Funds 2025 kiske liye suitable hai?
Yah category un logo ke liye behtar hai jo long term invest karna chahte hai aur invest me anushashan ki kami mahsus karte hai. Khaskar beginners ke liye yah fund upyukt hai jo bina kisi short term goal ke tax saving aur dhan sanchay chahte hai. Agar aap flexibility chahte hai to yah fund aapke liye sahi nahi hai.
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4. Kya ELSS funds tax saving ke liye abhi bhi labhdayak hai?
Purane tax regim me ELSS funds tax saving ke liye bahut lokpriya the. Naye tax regim ke aane ke baad bhi yah fund purane regim karne walo ke liye bahut achcha optioon hai. Isme 3 saal ka lock-in hota hai, lekin tax bachat ke sath-sath returns bhi achche milte hai.
5. Best ELSS Mutual Funds 2025 ko kese select kare?
Is category mekul 39 fund uplabdh the. Unme se keval 20 funds ne apne benchmark ko lambe samay tak pichhe chhoda hai. Baaki 19 funds ko eliminate kar diya gaya. Behtar pradarshan aur shthirta ke adhar par funds ko chuna jana chahiye.
6. Kya ELSS funds me jyada jokhim hota hai?
ELSS funds jyadatar large cap shares me invest karte hai, jis se alfa generate karna thoda mushkil hota hai. Lekin chuki in funds ka mukhya uddeshya tax saving aur invest anushashan hai, isliye inme atirikt jokhim nahi lena chahiye. Shthir aur surakshit returns dena is category ka prathmik lakshya hota hai.
7. Fund manager ke badlav se investers ko kya khatra hota hai?
Agar fund manager badal jata hai aur aap fund se bahar nahi nikal shakate , to yah aapke liye nukshan deh ho shakata hai. Isliye ELSS fund me invest karte samay shthirta aur suraksha ko prathmikta dena jaruri hai taaki aap anpexit paristhitiyo me fase nahi.
8. Best ELSS Mutual Funds 2025 keliye expense ratio kitna mahatvapurna hai?
Expense ratio fund ki performance aur investers ki kamayi par sidha asar dalta hai. Is category me kam expense ratio walefunds ko prathmikta deni chahiye,taki aapke returns me katauti kam ho aur lambi avadhi me achcha labh mil shake.
9. 2025 mein kaun se ELSS funds sabse behtar performance kar rahe hai?
2025 me miraya asset ka ELSS tax saving fund sabse behtar pradarshan kar raha hai. Kotak aur parag parik ke funds ko diversificatin ,expense ratio aur performance ke adhar par reject kiya gaya. Miraya asset ka fund shthirta aur nirantarta me behtar sabit huaa hai.
10. Kyo muje ekhi AMC ke dofunds me invest karna chahiye?
Samanyata: ek hi AMC ke do funds me invest karne se bachna chahiye kyo ki isse diversification kam ho jata hai aur aapka risk badh shakata hai. Isliye 2025 ke liye hamne alag-alag AMC ke funds ko chuna hai taaki jokhim kam rahe.
11. ELSS funds me invest karte samay kya dhyan rakhe?
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Invest ke liye long term discipline rakhe.
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Lock-in period ki jankari jarur le.
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Kam expense ratio wale fund chune.
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Fund ki performance ka lambi avadhi me vishleshan kare.
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AMC ki shthirta aur vishwasniyata ko dekhe.
12. Kya Best ELSS Mutual Funds 2025 me invest karna har invester ke liye jaruri hai?
Nahi, Yah har kisi ke liye jaruri nahi hai. Yah khaskar un investers ke liye hai jinhe tax bachana hai aur jo lambi avadhi ke liye anushasit invest karna chahte hai. Agar aap flexibality chahte hai ya short term goals par kam kar rahe hai to yah fund aapke liye upyukt nahi ho shakate.
13. Kya ELSS me invest se volatility ka jokhim rahta hai?
Ji haa, kyoki ye fund quiti me invest karte hai, isliye bazar ki volatility ka asar hota hai. Lekin kyoki yah tax saving fund hai aur inme lock-in period hota hai, isliye yah jokhim thoda kam ho jata hai.
14. Kya ELSS funds me invest shuru karne se pahele salah lena jaruri hai?
Ji haa, invest shuru karne se pahele apne vittiya aur jokhim sahanshilta ko samajkar hi ELSS fund chune. Fund ki shthirta, expense ratio, aur pichhle pradarshan ka adhyayan jaruri hai.
Conclusion:
Best ELSS Mutual Funds 2025 investers ke liye ek shandar vikalp hai jo tax bachat ke sath lambi avadhi me dhan sanchay karna chahte hai. Is category ka3 saal ka lock-in period investers ko anushast banata hai aur imlisiv faislo se bachata hai .Halaki flexibality kam hoti hai, lekin tax planning aur shthir returns ke liye yah fund sabse behtar hai. Sahi fund chunna jaruri hai,jis mekamexpense ratio, shthirta aur behtar performance ho. Isliye agar aap tax bachat ke sath surakshit invest karna chahte hai to Best ELSS Mutual Funds 2025 me invest jarur kare.