Whalesbook
Yaar, ELSS Funds se log apna paisa nikal rahe hain FY26 mein. Naye tax regime mein Section 80C ka tax benefit khatam ho gaya hai, isliye ELSS ka 3-saal ka lock-in ab kisi ko pasand nahi aa raha. Sab log ab zyada flexible equity funds ki taraf jaa rahe hain.
Kya Hua?
Equity Linked Savings Schemes (ELSS), jo pehle lakhon logon ke liye tax bachane ka sabse aasan tareeka tha, ab mushkil mein hai. Association of Mutual Funds in India (AMFI) ke data ke mutabik, FY25-26 mein ELSS se lagatar paisa nikal raha hai. Jabki baaki equity mutual funds achhe chal rahe hain, ELSS funds ne sabse kam growth dikhaya hai. Inke total assets ₹2.32 lakh crore se kam hokar ₹2.17 lakh crore ho gaye hain, matlab 6.45% ki girawat.
Tax Regime Ka Asar?
Iska sabse bada reason hai ki zyada se zyada log India ke naye tax regime ko choose kar rahe hain. Is naye system mein tax rates toh kam hain, par Section 80C ke tahat milne wale tax deductions nahi milte. Pehle, ELSS funds mein invest karne par aapko ₹1.5 lakh tak ka tax deduction milta tha, saath hi equity market se returns ka chance bhi tha. Ab jab naya tax regime sabka default option ban gaya hai, toh ELSS ka tax-saving wala fayda practically khatam ho gaya hai.
Investors Shift Kyun Kar Rahe Hain?
Bahut se investors ke liye ELSS mein invest karne ka reason tax bachana hi tha, na ki long-term equity investment karna. Jo 3-saal ka lock-in period pehle tax benefit ke liye theek tha, woh ab logo ko ek disadvantage lag raha hai. Log ab ELSS ko flexi-cap, large & mid-cap, aur multi-cap funds se compare kar rahe hain. Ye baaki funds bhi stock market exposure dete hain, par bina kisi lock-in ke. Toh jab tax benefit hi nahi raha, toh log flexible equity funds ko choose karna pasand kar rahe hain.
Performance Ki Test
Ab ELSS funds ko sirf apne performance aur management quality par hi compete karna padega. Pehle tax benefit ek solid support tha, jo fund performance ya market conditions se koi fark nahi padne deta tha. Ab Category mein sirf wohi investors rah jayenge jo wealth creation ke liye committed hain, na ki sirf tax compliance ke liye.
Investors Ko Kya Track Karna Chahiye?
Agar aapke paas ELSS investment hai ya aap karne ki soch rahe hain, toh kuch cheezon par dhyan dena zaroori hai. Sabse pehle, check karein ki aapke ELSS fund baaki equity funds ke comparison mein achha return de rahe hain ya nahi. Ab jab tax benefit nahi hai, toh fund ka performance hi sabse important hai. Dusra, AMFI data dekhte rahein ki paisa nikalne ka trend ruk raha hai ya continue ho raha hai. Aur agar aap new investment kar rahe hain, toh sochein ki 3-saal ka lock-in aapki liquidity needs ke liye sahi hai ya nahi, ya current tax scenario mein flexible options zyada behtar honge.