Why invest in ELSS | Hindi

Podcast Duration: 07:46

Hi friends, Angel Broking ke is podcast mein aapka swagat hai.

Doston taxes ka mudda high aur median earning tax payers ko din aur raat tax saving ke mechnisms dhoondhne ke liye awake rakhta hai. Kabhi kabhi taxes aapko ek no-win game jaise bhi dikhai de sakte hain. Aapne earnings generate karne mein round the year daily effort lagaya, lekin taxes aapki in earnings ka ek bada hissa consume kar gaye.

Recently, main apne dost Sahil ke ghar par baitha tha. Sahil bola ki pichle saal usne 3 lakh taxes mein pay kiye - in other words, uski yearly income par 30% ke rate se upar!

Ye sunkar main hairaan reh gaya. Maine Sahil se poocha ki how come usne apne income tax par ek poore saal mein zero savings ki? Aur chai peete peete baat tax saving instruments par chali gayi. Jab maine saahil ko public provident funds and bank FDs mein invest karke taxes save karne ko bola, toh saahil ko ye idea bilkul pasand nahi aaya. Basically, bank deposits ke returns bahut low the, aur ye gains dekhkar saahil save karne keliye incentivize nahi ho raha tha. Secondly, PPFs mein 6 se 15 saal ka lock in period hota hai - par usko abhi long nahi short term savings karni hai.

Do you know ki ye sunkar maine saahil ko kya bataya? Exactly yahi - jo main abhi aapko bataane jaa raha hun.

And woh hain 3 reasons why ELSS can help you

Pehla - save big, doosra - in a small time period, and teesra - tax free.

Sounds exciting haina? Teen major benefits ek single instrument mein packed… Yeh toh fir investing ka holy grail hona chahiye! Haha, sahi kaha na?

Toh dekhte hain ki is ELSS hype ke eeche kya reasons hain.

ELSS ka full form hai Equity Linked Saving Schemes. Ye basically savings schemes hoti hain jo equity markets se linked hain, aur annually aapko 1.5 lakhs ki income to taxes se shield karne mein aid karti hain. And ab hum dekhne jaa rahe hain ki ELSS aapke financial portfolio ke 4 sweet spots kaise hot karta hai - iske baad, aapko ELSS ek aise savings scheme lagegi, to which you cannot say no to!

Toh shuru karte hain with number 1. ELSS basically aapke funds ko equity markets ka exposure dete hain. Ab ho sakta hai ki aap mutual funds aur stocks mein already invest karte ho - toh equity ka idea koi naya toh hai nahi. Lekin agar aap mutual funds ko dekhoge, toh ye funds aapke investment ko kisi sector ya market cap tak hi liited rahenge. Saath hi, mutual funds mein aapko tax benefit toh milega nahi. ELSS basically aapki savings ko ek wide exposure dete hain - to all market caps, and across many industries - iska benefit ye, ki aapke funds hamesha, automatically diversified bhi rehte hain!

Toh bottom line ye hai ki where mutual funds help you earn, ELSS tax saving, aur investment ke through secondary earning, dono ka role play karte hain - aur aap toh jaante hi hoge - ye dono cheezen kiye bina aap long term wealth generation nahi kar sakte. Agar aapki income 15 lak se zyada bhi ho, tab bhi aap ELSS se yearly over 46000 rupees annually save kar sakte ho Ab chalte hain second point par. ELSS ka lock in period kewal 3 saal hota hai. Isliye, ELSS kuch gine chune instruments mein se hai jo short term mein tax free savings ka provision dete hain. If you look at FDs, toh inka return rate low hota hai and lock in period 5 years hota hai. PPFs aur National Pension Schemes bhi sirf long term investment options hain. Ye dekhte hue, ELSS short temr savings ke ek powerful option ke roop mein emerge hota hai

You know, Sahil ne is kaaran se hi FDs mein invest karna uchit nahi samjha. Sahil ko basically 3 saal ke baad ek car purchase karna thi. Lekin ek saal save karne ke baad bhi, Sahil ko FDs se milne waale returns aur unpar lagne waale taxes ka scene pasand nahi aaya.

Saahil ki story se aap ELSS ka ek aur cool benefit samajh sakte ho. Achcha dekho, agar aapko abhi ek FD start karna ho, toh pehle aapko ek saal bank account mein save karna padega. For is amount se aapki FD hogi. Agar aap is same account se apne expenses run kar rahe ho, toh aapko confusion bhi ho sakta hai, ki FD ke liye kitna aur save karna hai, aur kitne paise aap actually spend kar sakte ho. ELSS mein aap one time ki jagah monthly payments bhi kar sakte ho, aur ye paise monthly basis par grow bhi honge. Ab aap ELSS ka scope imagine kar sakte ho - agar aapko 3 saal baad ek naya laptop lena hai, toh uske liye bhi aap ELSS start kar sakte ho, aur Saahil jaise log jo car lene ka plan kar rahe hain, . Short term savings, made tax free, and broken into small, easy to build parts - ELSS already kaafi attractive sound kar raha hai, haina dost?

Aur abhi toh humne fourth benefit discuss bhi nahi kiya hai.

Toh dekhte hain ki ELSS aapko aur kaunse benefits dete hain.

ELSS aapko lock in period aur uske baad hone waale gains par bi taxes save karne mein help karte hain. For example, agar aapke Long term capital gains 1 lakh se kam hain, toh aapki savings par hone waale hains tax free honge. Sounds neat. Lekin agar aapke gains 1 lakh se zyada hain, toh they inpar 10% ke rate par taxes apply honge.

Now, is condition ko dekhkar shayad aap sochoge ki ELSS itna bhi ‘tax free’ nahi hai jitna humne claim kiya tha. Lekin ek baar aur socho. Agar aap ELSS par 1 lakh se zyada LTCG earn kar rahe ho, toh aapka tax rate slab probably 25-30% mein fall karega. Is situation mein, if you had opted for an FD ya fir mutual funds, toh aapko apne gains par apne tax slab ke rate ke according taxes pay karna padte - aur woh bhi, without the 1 lakh exemption on LTCG that you get in ELSS.

Ye ELSS ke beneifts ka ek comprehnsive review tha doston. Lekin outside paper, dekhte hain ki why ELSS makes sense for you personally.

Jab log invest karna shuru karte hain, toh they often set a strategy that’s too far sighted or too short sighted. Pehle case mein log apne saare investments ko high gains ke liye long term instruments mein invest kar dete hain. Aur second case mein log high risk instruments mein invest kar dete hain, jo short term mein high returns ka potential rakhte hain. Ye dono approaches unbalanced hain.

Doston simple terms mein, your investment strategy should fit both your short term and your long term goals into your action plan. Iska matlab ye, ki aapke long term investment strategy mein short term plans bhi fit hona chahiye - jaise house relocation, ya fir vehicle purchases.

ELSS aapke monthly aur yearly investment action plan mein easily fit ho jaate hain. Mere dost Ramesh ka example hi dekh lo, jo annually 10 lakhs earn karta hai - Ramesh ki in hand salary around 71 thousand hai - isme se Ramesh invests 8 thousand every month into mutual funds, aur 5 hazaar apne PPF account mein. Saath hi, Ramesh ne retirement ke liye bhi savings start kar di hain - for iske liye woh NPS mein kuch paise deposit karta hai. Lekin Ramesh 2025 mein Europe jaana chahta hai. He estimated ki is trip ke liye usko 1.5 lakh rupay ki zaroorat hai. When he heard about how I saved money for my new motorcycle with ELSS in the last four years, he was impressed!

Tabhi Ramesh ne bhi ELSS mein 3000 monthly basis par invest karna shuru kar diye. Jald hi, woh ek Germany ki flight mein baitha hoga, without even realizing how he could neatly save for his trip without disturbing his long term investments. Ye story sunkar kya aapko ELSS ka aapke financial portfolio mein position samajh mein aaya? ELSS short term savings ke liye India mein kuch best options mein se ek hai.

Toh friends, aaj ke podcast mein bas itna hi. Agar aap apne paise ke saath kuch cool investments karna chahte ho, then stay tuned to our channel - ya fir visit www.angelbroking.com - where financial learning never stops!

Milte hain agle podcast mein - until then, goodbye from angel broking, and happy investing!