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Investors continued to push significant money into sectoral, or thematic funds, with the category seeing inflows worth Rs 18,117.18 crores during August 2024. The inflows in this category remained largely flat last month, changing negligibly from Rs 18,386.35 crores in July 2024. During August, 5 new thematic mutual fund NFOs were launched, which raised a total of Rs 10,093.57 crore. <h2>42nd consecutive month of positive inflows</h2>This takes the total tally of existing sectoral fund schemes to 179. The next category with most schemes offered (42) is <keyword id="103549" type="General" weightage="20" keywordseo="ELSS" source="Orion">ELSS</keyword> (equity-linked savings scheme). Himanshu Srivastava, Associate Director – Manager Research, Morningstar Investment Research India cautioned that investors should be cautious while selecting funds specially from the sector/thematic category. Such funds offer a very high-risk high return investment proposition and may not fit in the portfolio of every investor. "Either investors should themselves understand the dynamics of the underlying sector or theme to take a prudent investment decision, or they should have a strong advice available to them, who can help them take the right decision", he advised. Inflows in small-cap funds tapered significantly, and are now largely in line with funds garnered by large-cap and mid-cap funds. In August, large-cap funds saw inflows worth Rs 2,636.86 crore, while large and mid cap funds amassed Rs 3,293.74 crore. Small-cap funds raked in Rs 3,209.33 crore during the month. "With large cap segment faring relatively better from valuation point of view, investors have shifted their attention towards this category again. Besides, large cap funds add stability to the portfolio during the times of market volatility, and this could be another reason for investors to invest in these funds, given heightened volatility observed in the markets in the recent times. Additionally, with the valuation high in the mid and small cap segments, some shift towards large caps is not surprising", continued Srivastava. Also, investors showed far more proclivity for <keyword id="6357979" type="General" weightage="20" keywordseo="Mutual-Funds" source="Orion">mutual funds</keyword> spread over various market caps, as opposed to a single one. This is evident in the amount garnered by flexi-cap funds, which amassed Rs 3,513.16 crore. All in all, the equity segment saw total inflows of Rs 34,302.82 crores in August, making it the 42nd consecutive month of net inflows in this segment. Even the number of folios in equity jumped 3.16%, up from Rs 13.8 crore in July to Rs 14.3 crore in August. In hybrid funds, balanced advantage funds saw inflows worth Rs 3,215.06 crore, while multi-asset allocation funds received Rs 2,826.89 crore. <h2>Debt inflows take a dip</h2>As for debt categories, they saw inflows worth Rs 45,169.36 crore during the month, higher than their equity counterparts. However, this was significantly lower than the inflows it registered in July, which stood at Rs 1,19,587.60 crore. The biggest contributors to this quantum were <keyword id="428654" type="General" weightage="20" keywordseo="liquid-funds" source="Orion">liquid funds</keyword> and overnight funds, which received Rs 13,594.87 crore, and Rs 15,105.93 crore respectively. And despite various PSU stocks having a good run on the bourses, banking and PSU funds saw outflows worth Rs 1,549.99 crores, the highest in debt segment. Nehal Meshram, Senior Analyst, Research, Morningstar Investment Research India highlighted that overnight funds, liquid funds and money market funds accounted out 86% of the overall debt inflow last month. "This trend reflects a preference for low-risk and highly liquid investment options. Investors also showed a preference for categories with shorter maturity profiles, such as short term, corporate bond and ultra short duration funds, for temporary parking of funds. Medium duration funds, which had consistently seen outflows, reported marginal inflows in August for the first time in 15 months", she explained. During the month, about 63,93,602 new SIPs were registered.

Sectoral funds rake in Rs 18,117.18 crore during the month, debt schemes see more inflows than equities, notes AMFI data for August

<ul><li><keyword id="103549" type="General" weightage="20" keywordseo="elss" source="Orion">ELSS</keyword> is an open-ended equity mutual fund that invests primarily in equities and equity-related products. </li><li>ELSS funds have a lock-in period of three years, meaning that investors are not allowed to withdraw their investment before the completion of this term. </li><li>Under Section 80C, investors can claim a deduction of up to ₹1.5 lakh by investing in ELSS funds. </li></ul>If an investor decides to opt for the old tax regime, he/she can still take advantage of the various deductions available to minimise tax outgo. Section 80C, with its plethora of tax-saving investment options, remains a favourite with investors. One of the options to save tax under section 80C is ELSS (equity-linked saving scheme), which is a type of mutual fund that focuses mainly on equities and provides tax benefits to investors, making it a popular investment choice. ELSS funds have a lock-in period of three years, meaning that investors are not allowed to withdraw their investment before the completion of the term. This lock-in period is shorter than that of other tax-saving investments such as the public provident fund (PPF), national savings certificate (NSC), and fixed deposits (FDs). Under Section 80C of the Income Tax Act, investors can claim a deduction of up to ₹1.5 lakh from their taxable income by investing in ELSS funds. This deduction is one of several deductions available under Section 80C. Despite being considered high-risk investments due to their primary focus on equities, ELSS funds have the potential to provide higher returns than other tax-saving investments over the long term. Professional fund managers manage ELSS funds and base their investment decisions on market trends and analysis. “Investment in ELSS is a good option as it gives both tax benefits, as well as good return. A taxpayer saves tax on the amount of investment made. Further the return on such equity investment is better than any investment in debt like FD, bonds etc,” says Ved Jain, founder, Ved Jain Associates, a chartered accountancy firm. Though past performance is not an indication of future returns, ELSS funds as a category have given 9.64% returns over the last 5 years, and 14.58% returns over the last 10 years. Investors have two options for investing in ELSS funds: lump sum or systematic investment plan (SIP). In a lump sum investment, the entire investment amount is made at once, while in an SIP investment, a fixed amount is invested at regular intervals. SIP investments are an excellent choice for investors who want to invest in ELSS funds but do not have a large sum of money available at once. “Investors should look at ELSS as an opportunity to participate in an equity scheme. It should be looked at as an option for creating wealth in a 15-year time frame. Tax saving should be taken as incidental benefit,” says AK Narayan, CEO and founder of AK Narayan Associates, a financial planning firm. Investors can select from various ELSS funds offered by different mutual fund companies. Before investing, it is essential to conduct research and compare the different funds to ensure that they are aligned with one's investment goals and risk appetite.

ELSS Mutual Fund: A way to claim tax deduction while enjoying market-linked returns

<ul><li>Investing in <keyword id="103549" type="General" weightage="20" keywordseo="elss" source="Orion">ELSS</keyword> not only aids in tax reduction but also offers the opportunity for wealth accumulation through equity exposure. </li><li>Investing in PPF provides a secure avenue for long-term savings, with a fixed tenure of 15 years and the option to extend in blocks of 5 years.</li><li>Investors opt for 5-year FDs due to their stability and assured returns, making them suitable for those seeking low-risk investment options. </li></ul>Now that we have stepped into the new year, there are just three months left before the current financial year draws to an end. Those who have made investment declarations to their employees to save funds under section <keyword id="6381499" type="General" weightage="20" keywordseo="80c" source="Orion">80C</keyword>, would have another month or two to show proof of investments to their employers. One needs to give evidence of investments to his/her employer by a certain time. This helps your employer calculate your taxable income and the amount of tax to deduct from your salary. “If you forget to submit the proof of investments to your employer, you can still claim those investments when you file your income tax return. Just make sure the investments were made before the end of the financial year,” says Archit Gupta, Founder and CEO, Clear, a fintech company It always helps to plan early, but in case you have not, here is a guide on how you can invest to avail section 80C tax deductions. Remember, that would apply to you only if you have opted for the old tax regime. Before making 80C investments, it is important to remember that the maximum deduction that you can avail is ₹1.5 lakh. Your contribution to the employee provident fund (EPF) is eligible for 80C deductions. So are your insurance premiums. If you have a home loan, the amount you pay towards the principal component of the home loan is also eligible for deductions under section 80C. So, when planning for 80C investments you need to first understand the amount you need to invest, which would in most cases be less than ₹1.5 lakh. Let us take a look at 5 investment options to avail 80C deductions in 2024. Equity Linked Savings Scheme Equity Linked Savings Schemes (ELSS) serve as a tax-saving avenue under section 80C of the Income Tax Act, offering benefits like a lower lock-in period of three years compared to other tax-saving instruments. ELSS primarily invests in equity and equity-related instruments, providing potential for higher returns over the long term. “ELSS helps you save tax and grow money at the same time,” Suneel Dasari, CEO, EZtax.in. However, it's essential to acknowledge the risks inherent in equity investments, including market volatility and fluctuations. The returns aren't guaranteed and can vary based on market performance. ELSS funds as a category have given returns of 26.57%, 19.55% and 17.13% in one, three and give years respectively. Public Provident Fund The Public Provident Fund (PPF) is a government-backed long-term savings scheme offering tax benefits under Section 80C. It allows contributions up to ₹1.5 lakh annually, making the invested amount tax-deductible. Investing in PPF provides a secure avenue for long-term savings, with a fixed tenure of 15 years and the option to extend in blocks of 5 years. It offers a 7.1% rate compounded annually. The risks associated with PPF are notably low due to its government backing, ensuring safety and stability. However, the lock-in period of 15 years and limited liquidity might pose constraints for individuals seeking shorter-term investment options. National Pension Scheme The National Pension System (NPS) is a voluntary retirement savings scheme offering tax benefits of up to ₹1.5 lakh under Section 80C and an additional ₹50,000 under Section 80CCD (1B), providing substantial tax savings. Investing in NPS is ideal for retirement planning, offering a choice of investment options across equities, corporate bonds, and government securities. Its unique feature includes two accounts: Tier I (non-withdrawable till retirement) and Tier II(withdrawable at any time). While NPS provides the opportunity for market-linked returns, it also carries market risks associated with investment in equity and debt instruments. Additionally, the Tier I account has a lock-in period until retirement, restricting liquidity. “Tax benefits will be applicable only to the investments under Tier 1 NPS Accounts. Tier 2 NPS accounts are not eligible for tax benefits,” says Dasari. Tax saving FDs A 5-year Fixed Deposit (FD) offers a secure investment avenue with a fixed interest rate for the specified tenure, typically ranging from banks to post offices. The invested amount is eligible for deduction under section 80C. Investors opt for 5-year FDs due to their stability and assured returns, making them suitable for those seeking low-risk investment options. However, these FDs may have lower returns compared to market-linked instruments like equity-based investments. Additionally, the lock-in period of 5 years limits liquidity and flexibility. Sukanya Samriddhi Yojana Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme designed for the financial security of the girl child. It offers tax benefits under Section 80C of the Income Tax Act, allowing contributions up to ₹1.5 lakh annually to be tax-deductible. Investing in SSY provides a dual advantage of tax savings and creating a corpus for a girl child's future expenses like education or marriage. The scheme offers an attractive interest rate(8.2%) and has a maturity period of 21 years from the date of account opening or until the girl child reaches 18, whichever is earlier. “For higher education purposes you can withdraw 50% of the amount deposited,” says Dasari. The risks associated with SSY are minimal as it's a government-backed scheme.

Tax saving countdown – With 2 months to go, options to consider under 80C

<ul><li>A good investment should be evaluated on two parameters – return on investment, and the tax treatment of such return. </li><li>Tax deductions on investments will not be available if one opts for the <keyword id="548629" type="General" weightage="20" keywordseo="new-tax-regime" source="Orion">new tax regime</keyword>. </li><li>Investments like ELSS, PPF, and tax-saving <keyword id="6377620" type="General" weightage="20" keywordseo="fixed-deposits" source="Orion">fixed deposits</keyword> are likely to lose their sheen. </li></ul>The old tax regime offered several tax deductions that helped bring down one’s taxable income, and save on taxes. With the Government revising the tax slabs under the new tax regime, and making it the default tax regime in budget 2023-24, the new regime has become more attractive to certain taxpayers as they can save more on taxes by opting for it. “A good investment should be evaluated on two parameters – return on investment, and the tax treatment of such return. The tax implications of an investment has three layers – at the time of investment, at the time of earnings, and at the time of withdrawal. The tax treatment for the last two layers almost remains the same in both the old and new tax regimes,” says Naveen Wadhwa, deputy general manager at Taxmann, an online source of tax and law-related information. A lot of investments were popular due to the available tax deductions, and section 80C provided deductions of up to ₹1.5 lakh for various investments. With deductions under section 80C no longer available under the new tax regime, many popular tax-saving options have become less attractive. Let us take a look at these. <cmsannotation type="cmsannotation" annotationid="Public Provident Fund (PPF)" comment="subhead" text="Public Provident Fund (PPF)">Public Provident Fund (PPF)</cmsannotation> PPF was one of the most popular investments under section 80C as it was government backed and fell under the EEE category. This meant that the investment made, interest accrued and payout at maturity were all tax exempt. However, under the new tax regime, any amount invested in PPF will not be eligible for tax exemption under section 80C. “This change might have affected the attractiveness of PPF for certain investors,” says Atul Sharma, founder of Lex N Tax, a tax consultancy firm. <cmsannotation type="cmsannotation" annotationid="Equity-Linked Savings Scheme (ELSS)" comment="subhead" text="Equity-Linked Savings Scheme (ELSS)">Equity-Linked Savings Scheme (ELSS)</cmsannotation> ELSS funds were a very popular deduction under section 80C, since they had a lock-in period of 3 years, and also provided market-linked returns. “Since the deduction under section 80C is not allowed under the new regime, ELSS investments have become less popular,” says Sharma. <cmsannotation type="cmsannotation" annotationid="Tax-saving fixed deposits" comment="subhead" text="Tax-saving fixed deposits">Tax-saving fixed deposits</cmsannotation> FDs have been a popular investment choice because they offer fixed returns. “Tax-saving fixed deposits are long-term deposits with a lock-in period of five years, offering tax benefits under section 80C of the Income Tax Act,” says Sharma. However, since 80C deductions are not available under the new tax regime, the appeal of tax-saving FDs have reduced, especially because without tax savings at the time of investments, the real rate of return on FDs will be even lower. <cmsannotation type="cmsannotation" annotationid="Endowment plans" comment="subhead" text="Endowment plans">Endowment plans</cmsannotation> Certain types of life insurance policies, such as traditional endowment plans, have witnessed a decline in popularity due to the new tax regime. Even though they were not a wise investment option, they were popular because of the guaranteed returns and the tax benefits they offered under section 80C. Now, with that gone under the new tax regime, endowment plans have lost their sheen. <cmsannotation type="cmsannotation" annotationid="National Savings Certificate (NSC)" comment="subhead" text="National Savings Certificate (NSC)">National Savings Certificate (NSC)</cmsannotation> With no tax deduction available under section 80C if one opts for the new tax regime, NSC becomes taxable as per the individual's income tax slab rate – thus making it less popular as a tax-saving investment.

5 tax-saving investments that will lose their charm under the new tax regime

<ul><li>The campaign talks about ETW Approach (E- Easy to invest, T - a taxing saving investment, W – helps in long term wealth creation).</li><li>It has been conceptualized and creatively led by Mirum India.</li></ul><keyword id="112970" type="General" weightage="20" keywordseo="axis-mutual-fund" source="Orion">Axis Mutual Fund</keyword>, one of the country’s leading <keyword id="6354820" type="General" weightage="20" keywordseo="mutual-fund" source="Orion">mutual fund</keyword> houses, unveiled its new campaign for the upcoming tax season called #ELSSHaiNa. The investor education campaign aims to reiterate the importance of investing in ELSS (Equity Linked Savings Schemes that offer tax benefits under section 80C of the Income Tax Act) as a preferred and hassle-free option to save on tax. One of the most crucial mistakes that most investors make is that they leave tax planning for the last minute. Towards the end of the year, people realise that they need to invest in the right financial instruments to save tax but aren’t able to choose the right one. One can often hear the phrase “Tax ka kya socha hai?” and conversations around it gain momentum as investors rush to understand how can they save tax or how much time is left to make the right investment or even what are the right instruments to invest in! Chandresh Nigam, MD &amp; CEO, Axis AMC said, “At Axis AMC, we have always upheld the importance of Responsible Investing. As money managers, it is our duty to not only educate investors about the significance of investing in quality assets over the long term but also help them grow wealth while saving on tax in an efficient manner. ELSS is an option that is known to all investors. But without having spent the adequate time to optimize the right tax planning solution, investors often make hasty decisions and miss out on the most logical and easy option.” The new campaign by Axis Mutual Fund builds on the insight that the tax season can be anxiety-inducing, only if you have not planned well in advance. Through a series of three films, #ELSSHaiNa aims to make investors realise that at any given point in their lives, investing in ELSS for tax saving should be a ‘no-brainer’ option. The films use humour as a tool to highlight how planning for tax via ELSS is simple and hassle free. In the first film, the protagonist is aware that he needs to plan for the tax saving season. He has taken the advice of several people around him but has still reached no desirable solution. <div type="Youtube" id="JwaLZz_U0QU" title="Tax savings ke liye sochna kya hai, #ELSSHaiNa!" thumbUrl="https://i.ytimg.com/vi/JwaLZz_U0QU/mqdefault.jpg"></div> In the second film, a newly married couple is can’t seem to decide on their honeymoon destination despite the multiple suggestions by their family members. <div type="Youtube" id="Qp9H3uQ-V-g" title="Iss tax season sochna kya hai, #ELSSHaiNa!" thumbUrl="https://i.ytimg.com/vi/Qp9H3uQ-V-g/mqdefault.jpg"></div> On the other hand, in the third film, the key character is confused over what to gift an extended cousin for their wedding. <div type="Youtube" id="XR8764psAN8" title="When it's about tax-saving, tab sochna kya hai, #ELSSHaiNa!" thumbUrl="https://i.ytimg.com/vi/XR8764psAN8/mqdefault.jpg"></div> All three films tie back to the proposition that all these aforementioned decisions seem worrying at best. But, when it comes to tax planning, “Sochna Kya Hai?”, because “#ELSSHaiNa”. Raghav Iyengar, Chief Business Officer, Axis AMC asserted, “Thanks to the continued efforts by MF industry, ELSS has started to gain widespread acceptance amongst the investor community. However, tax planning is still viewed as a strenuous and chaotic task. We need more awareness initiatives and campaigns such as ours, will be instrumental in connecting with the wider masses. The three distinct narratives of #ELSSHaiNa focus on capturing investment sentiment across age categories, genders, geographies. Furthermore, Axis Mutual Fund’s 360-degree approach for the campaign will leverage the power of digital, TV, radio, and the print medium to resonate and engage with the target audience.”

Axis Mutual Fund’s investor awareness campaign aims to reiterate the importance of investing in ELSS

<ul><li>A good way to assess an old mutual fund is by tracking their performance over 5-20 years, say experts.</li><li>Funds like <keyword id="15355709" type="General" weightage="20" keywordseo="sundaram-midcap-fund" source="Orion">Sundaram Midcap Fund</keyword>, <keyword id="13357754" type="General" weightage="20" keywordseo="nippon-india-growth-fund" source="Orion">Nippon India Growth Fund</keyword>, <keyword id="12834265" type="General" weightage="20" keywordseo="quant-active-fund" source="Orion">Quant Active Fund</keyword> and more have given over 16% returns per annum for the last twenty years.</li><li>An investor who had done an SIP for ₹10,000 for 20 years in any of the top ten best rewarding old funds, would now be sitting on over ₹1.5 crore. </li></ul>India now has 40 million people who invest in mutual funds. If you’re not one of those, and want to err on the side of caution, you can choose funds that demonstrated a good run for over 20 years. According to a report by <keyword id="112363" type="General" weightage="80" keywordseo="value-research" source="Orion">Value Research</keyword>, ten mutual fund schemes have stood the test of time. Funds like Sundaram Midcap Fund, Nippon India Growth Fund, Quant Active Fund and more have given over 16% returns per annum for the last twenty years. “Some investment funds have weathered significant challenges including the 2008 subprime crisis, the 2013 taper tantrum, and the 2020 Covid induced lockdown,” said the Value Research report. It adds that while even very successful funds failed during the times, but a few of these ‘golden oldies’ survived the crises to give positive returns to their investors. The key to identifying such funds, Value Research says, is to track their long-term performance over 5-20 years. An investor who had done a systematic investment plan (SIP) for ₹10,000 for 20 years in any of these funds, would now be sitting on over ₹1.5 crore. If the investors would have increased their SIP amounts by 10% per annum, they would be sitting over ₹2.7 crore. Here are the most rewarding old funds picked by the investment advisory and MF data firm. <table style="border-width: initial; border-style: none; table-layout: fixed; width: 468pt;"></colgroup><tbody><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Name of the fund </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Category </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Rating </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">20 year returns per annum </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Sundaram Midcap Fund </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Mid Cap </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">** </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">17.85% </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Nippon India Growth Fund </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Mid Cap </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">**** </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">17.85% </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Quant Active Fund </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Multi Cap </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Not Rated </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">17.10% </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Tata Midcap Growth Fund </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Mid Cap </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">*** </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">16.97% </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Quant Small Cap Fund </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Small Cap </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">**** </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">16.81% </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">SBI Large &amp; Midcap Fund </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Large &amp; Mid Cap </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">***** </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">16.67% </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Franklin India Prima Fund </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Mid Cap </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">** </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">16.53% </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">HDFC Flexi Cap Fund </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Flexi Cap </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">***** </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">16.31% </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">SBI Contra Fund </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Value Oriented </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">***** </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">16.25% </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Canara Robero Equity Tax Saver Fund </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">ELSS </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">**** </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">16.19% </td></tr></tbody></table>Source: Value Research The value behind SIPs Investors in India have matured over time and they are now leaning a lot more on SIPs, which have become a mainstay of retail flows into mutual funds. In September, inflows into SIPs hit an all-time high of ₹16,042.06 crore, according to Association of Mutual Funds of India (AMFI). It also said that the cumulative Assets Under Management (AUM) for the mutual fund industry stood at ₹46.58 lakh crore as of September end. Apart from pushing investors to bring discipline into their investments, SIPs also automates investing providing convenience with stress-free investing. “Increasing your SIP contributions in line with the rise in your earnings can magically grow your wealth. You can do this annually by increasing your SIP amount,” says a note by Value Research. SEE ALSO <a href="https://www.businessinsider.in/stock-market/news/pipe-dream-should-you-invest-in-these-infra-stocks-that-have-delivered-50-returns/articleshow/104568627.cms">Pipe Dream: Should you invest in these infra stocks that have delivered 50% returns?</a> <a href="https://www.businessinsider.in/business/news/wipro-ceo-expects-revenues-to-rebound-in-the-next-few-quarters/articleshow/104541778.cms">Wipro CEO expects revenues to rebound in the next few quarters</a>

Golden Oldies: The mutual fund schemes that have stood the test of market cycles over 20 years

Top 10 tax saver (ELSS) funds to invest in 2020

Both Public Provident Fund (PPF) and Equity Linked Savings Scheme (ELSS) are saving schemes that are eligible for tax benefits. Hence investors are often confused on which one to choose among these two. Are they similar? No doubt PPF has been popular among the investors for so long. However, these days, ELSS seems to be picking up fast due to the higher returns it promises. In fact, it is important to know that there is nothing similar between these two investment vehicles beyond the tax benefits they carry. When you know the About PPF Public Provident Fund (PPF) is a savings scheme created by the government that assures guaranteed returns and some attractive tax benefits under Section 80C. The government revises the interest rates of this scheme during every quarter. For example, the interest rate for the current quarter Q 2 (July-September), FY-19 is fixed at 7.9%. About ELSS <keyword id="3832316" type="PERSON" weightage="20" keywordseo="Equity-Linked-Saving-Scheme">Equity Linked Saving Scheme</keyword> (ELSS) can be described as a type of <keyword id="6354820" type="DEFINITION" weightage="20" keywordseo="mutual-fund">mutual fund</keyword> that carries tax benefits under the section of 80C of the Income Tax Act, 1961. Currently, it has become immensely popular due to its high returns and the lowest lock-in period. PPF Features Low-Risk Since PPF is a government-backed savings scheme, it is considered as a safe investment option available in India. Since the capital and returns are safe, it is one of the most popular investment options. Tax Benefits Since the investments in PPF fall under the exempt-exempt-exempt (EEE) category, the PPF deposits are never taxed at any point. The investment up to a limit of 1.5 lakhs per annum, the monthly interest and the maturity amount is completely tax exempt. Lock-in Period Deposits in PPF are characterized by a mandatory lock-in period of 15 years. Nevertheless, it is possible to take a loan on PPF deposits starting from the 3rd to 6th financial year from the date of opening the account. From the 6th year, partial withdrawal is possible. Fixed Returns In an average, the investments in PPF have invited 8% interest over the past. Also since the government decides the interest rate during every quarter, PPF assures fixed returns. Investment and Withdrawal The minimum and maximum investment you can make in a PPF investment account is Rs 500 and Rs 1.5 lakhs respectively. In case of serious ailments, premature closure is allowed. Partial withdrawals are permitted from the 6th year. ELSS Features High Returns Studying the history, we find that ELSS has always assured one of the highest returns among the tax-saving instruments. In the past, it has generated about 11-14% returns in a time frame of 3-years and 5-years. However, since the returns under ELSS are market-linked, they are not market guaranteed. Tax Benefits Section 80C allows tax benefits on ELSS investments up to Rs. 1.5 lakhs per year. However, while PPF is tax-free during all stages, the gains from ELSS scheme is taxable if it exceeds Rs. 1 lakh in a given year. Lock-in period Among the different tax-saving investment options, ELSS comes with the lowest lock-in period of only 3 years. Hence it carries a high degree of liquidity. SIP Option An investor can start investing in ELSS with an amount as low as Rs. 500 per month through <keyword id="6359303" type="DEFINITION" weightage="20" keywordseo="systematic-investment-plan">Systematic Investment Plan</keyword>. Whenever convenient, you can either start or stop the SIP. How to choose between PPF and ELSS PPF suits investors who do not want to take risks and can afford the lock in period of 15 years. Those investors who want to take only moderate risk and want to earn a higher interest can go for ELSS.

Comparison between PPF and ELSS, which is better?

Total assets under management (<keyword id="135675" type="General" weightage="20" keywordseo="AUM" source="Orion">AUM</keyword>) for the <keyword id="6354820" type="General" weightage="20" keywordseo="mutual-fund" source="Orion">mutual fund</keyword> industry declined for the second consecutive month to Rs 35.6 trillion (-4.2 per cent month-on-month) in June'22 -- the lowest level since August'21 -- led by a decline in AUM for income (Rs 711b), equities (Rs 405b), liquid (Rs 219b), other ETFs (Rs 115b). A report by <keyword id="113829" type="General" weightage="80" keywordseo="motilal-oswal-financial-services" source="Orion">Motilal Oswal Financial Services</keyword> said <keyword id="6391506" type="General" weightage="20" keywordseo="equity" source="Orion">equity</keyword> AUM for domestic MFs (including ELSS and index funds) decreased 2.9 per cent MoM to Rs 13.8t in June'22. This was due to a decline in equity scheme sales (down 7.6 per cent MoM to Rs 355b). Further, market indices closed lower (the <keyword id="6354813" type="General" weightage="80" keywordseo="nifty" source="Orion">Nifty</keyword> was down 4.8 per cent MoM). At the same time, redemptions dipped 15.4 per cent MoM to Rs 127b - at a 25-month low. Consequently, net inflows declined marginally to Rs 228b in June'22, from Rs 234b in May'22. The month saw notable changes in the sector and stock allocation of funds. On a MoM basis, the weights of automobiles, oil &amp; gas, consumer, healthcare, telecom, and PSU banks increased, while the weights of private banks, metals, NBFCs, cement, retail, utilities, textiles, insurance, and chemicals moderated. Automobiles' weight increased for the third consecutive month to a 42-month high of 7.6 per cent (+50bp MoM, +110bp YoY). The sector now ranks third in the allocation of mutual funds -- it was in the fourth position a month back. Oil &amp; Gas weight stands at a 18-month high of 7.3 per cent (+20bp MoM and +40bp YoY). SEE ALSO : <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/news/oyo-rolls-out-a-discount-for-mumbais-stranded-commuters-as-the-city-stays-on-orange-alert-till-july-14/articleshow/92827833.cms">OYO rolls out a discount for Mumbai’s stranded commuters as the city stays on orange alert till July 14</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/personal-finance/news/heres-why-lower-unit-price-of-a-mutual-fund-doesnt-mean-higher-returns/articleshow/92824945.cms">Here’s why lower unit price of a mutual fund doesn't mean higher returns</a>

Mutual fund industry's total assets decline for the second consecutive month

<ul><li>Currently, there are 44 registered <keyword id="6354820" type="General" weightage="20" keywordseo="mutual-fund" source="Orion">mutual fund</keyword> companies in India offering a variety of schemes.</li><li>Equity funds are risky investment vehicles meant for long term investment.</li><li>Unlike equity funds, debt funds are for short term goals that offer steady returns.</li></ul>Mutual funds are by now a very popular investment vehicle, but many of us still don’t know what it is and what kind of mutual funds are available to invest in. Firstly, a mutual fund (MF) is a pool of money collected from many investors, which later gets invested in buying stocks, bonds etc., by a professional fund manager on behalf of investors. The fund manager aims to invest in quality financial instruments and make the most out of these investments. The fund manager attempts to create higher wealth over that investment base. Currently, there are 44 registered mutual fund companies in India offering a variety of schemes to satisfy the dynamic needs of diverse investors. Each MF scheme has a different objective towards investment. So, an investor needs to pick the mutual fund that suits his/her needs and risk profile. Let’s get to know some of the common type of mutual funds: Equity One of the most popular types of mutual fund is equity. <keyword id="6361918" type="General" weightage="20" keywordseo="equity-mutual-funds" source="Orion">Equity mutual funds</keyword> invest money in company’s shares and their returns depend on how the stock market performs. Such funds are generally considered more risky as the equity market happens to be very volatile. Now equity funds can be classified into types of schemes such as large cap, mid-cap, small cap, flexi cap and so on. Invest in equity schemes only if you have a long term investment horizon and high risk appetite as equities beats inflation over the long term like 7-10 years. The main objective of these funds is to achieve long-term capital growth. Equity funds invest at least 65% of their corpus in equity and equity-related securities. These funds may invest in a wide range of industries or focus on one or more sectors. Risk in such mutual funds are associated with a company the fund has invested in. Suppose if a stock of a company, the underlying fund has invested in, declines. The decline will reflect your returns as well. Also, remember, it is not the only company the fund has invested in, the other companies in the fund can offset the losses. Sector specific funds These are mutual funds that invest in a specific sector. These can be sectors like technology, infrastructure, banking, mining etc., or specific segments like mid-cap, small cap or large cap segments. Index funds An index fund is a mutual fund that imitates the portfolio of an index. Such funds promise to deliver returns same as the index they are mirroring. For instance, if a fund is attached to the BSE Sensex, then your fund returns will be almost equal to that index. An index mutual fund follows the same strategy as the index it is based on. Tax saving funds Tax saving funds, typically known as equity-linked saving schemes (ELSS) is another type of equity scheme. Such funds offer tax benefits to investors. The investments in the scheme are eligible for tax deduction under section 80C of the Income Tax Act, 1961. Solution-oriented schemes Such schemes are for specific goals like collecting funds for children’s education or marriage, or for retirement. They come with a lock-in period of at least five years. Debt Debt funds invest a majority of the money in fixed income instruments, such as corporate and government bonds, corporate debt securities, and money market instruments etc., that offer capital appreciation. Debt funds are also referred to as fixed income funds. Debt funds are comparatively safer than equity funds. Unlike equity funds, debt funds are meant to fulfill your short-term goals. Also, debt funds are more beneficial than fixed deposits and recurring deposits where you have to stay invested for a pre-committed period or have to pay a fine in case of early withdrawal. Low cost structure, relatively stable returns and relatively high liquidity are some other benefits of investing in debt funds. It is usually recommended to hold a percentage of your total investment in debt for steady returns in not-so-risky funds. Liquid fund is among popular debt funds to invest in the short term. There are other schemes as well like short duration funds, ultrashort duration funds, gilt funds, money market funds and so on. Mutual fund type based on duration Open-ended If you choose to invest in an open ended mutual fund scheme then you can withdraw anytime from these funds as they do not have a fixed maturity period. Closed-ended In closed-ended mutual funds, your investment is locked in for a specified period of time with a fixed maturity date. An investor can enter these types of mutual funds only during the new fund offer (NFO) period and redeem on the date of maturity which is typically 3-7 years. Besides, closed-ended schemes are listed on stock exchanges and one can attempt to sell them before maturity, however they generally trade at a discount. An NFO is when a fund house launches a new mutual fund scheme to raise capital to operate a fund. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/stock-market/news/infosys-cadila-healthcare-adani-enterprises-and-other-top-stocks-to-watch-out-for-on-august-23/slidelist/85551667.cms">Infosys, Cadila Healthcare, Adani Enterprises and other top stocks to watch out for on August 23</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/india/news/finance-ministry-summons-infosys-ceo-over-glitches-in-it-e-filing-portal/articleshow/85533986.cms">Finance Ministry summons Infosys CEO over glitches in IT e-filing portal</a>

Looking to invest in mutual funds? Here are the different schemes you should know of

It’s that time of the year when people run around, searching for ways to save tax. In this matter, Section 80 C of the <keyword id="6354751" type="COMPANY" weightage="20" keywordseo="Income-Tax">Income Tax</keyword> Act gets the most amount of attention from investors, as it allows tax exemption through some popular investment instruments. Premiums paid for life insurance policies, investments in <keyword id="762633" type="UNKNOWN" weightage="20" keywordseo="equity-linked-saving-schemes">Equity Linked Saving Schemes</keyword> (<keyword id="103549" type="CITY" weightage="20" keywordseo="ELSS">ELSS</keyword>), five-year fixed deposits, National Savings Certificates (NSC), Public Provident Fund (<keyword id="76579" type="CITY" weightage="20" keywordseo="PPF">PPF</keyword>) and investment in Sukanya Samriddhi Yojana are some such instruments. 
 
Among these, ELSS has the potential to beat the long-term returns from all other investment options. It also allows you to save tax up to Rs. 1.5 lakh under Section 80 C. Let’s understand what ELSS is and what are the associated benefits through this article. 
 
What is ELSS? 
Equity Linked Saving Schemes (ELSS) are open-ended mutual funds with at least 65% exposure to equity. Although there’s a high degree of risk involved in this investment, it is beaten down in the long run. The returns earned through ELSS funds have outperformed other investment instruments in the long run. 
 
According to the CRISIL - AMFI ELSS Fund Performance Index in December 2016, ELSS funds as a mutual fund category have returned 3.35% in the last year, 16.64% in three years, 17.71% in the last five and 10.61% in 10 years. 
 
The minimum investment in ELSS has to be Rs. 500, while there’s no limit on the maximum amount you can put in. ELSS comes with a lock-in period of three years and withdrawal cannot be done before the completion of the stipulated period. On completion of the stipulated period, you can either redeem your scheme or continue with it. Returns from ELSS is tax-free on completion of a year. 
 
Why is ELSS your best long-term bet? 
ELSS has proven to be beneficial in terms of saving tax and yielding returns. Following are the benefits of ELSS: 
 
• ELSS allows you to claim tax deduction of up to Rs. 1.5 Lakh under Section 80C of the Income Tax Act. The proceeds on redemption of the scheme after three years of lock-in is also completely tax free. 
 
• Compared to PPFs, NSC and fixed deposits, the lock-in period associated with ELSS is relatively shorter, indicating more liquidity. 
 
• The highest ranked ELSS funds have provided a CAGR of around 20% in the last five years – far more than options such as PPF and NSC which can provide returns in the range of 8-9%. Not just that, your ELSS returns are tax-free. 
 
• This scheme is highly affordable, as the minimum amount you can invest is only Rs. 500. If you don’t have a lump sum amount, you can even invest through Systematic Investment Plans (SIPs), depositing a small amount every month. 
 
• There is no fixed maturity period. Investors can stay invested as long as they want. 
 
• Investors earn dividends even during the lock in period and it is tax free. 
 
• The scheme forces you to stay invested at least for a period of three years without any interruptions. Moreover, if you opt for SIPs, you indulge in a more disciplined saving habit which ensures high capital growth. 
• 
ELSS and other instruments that allow exemptions under Section 80C 
 
Here is a comparative analysis of ELSS and other popular investment instruments:

You Searched For "elss funds" and got 11 results

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