VGP Portfolio

Don't let

into your earnings

Save your tax

Last minute tax planning often leads to bad decisions. One that can lock up your
money for years or make your money grow at snail's pace. Scroll to see how much tax you can save
and the difference choosing ELSS can make.

you can save upto

` 46,350

Not everyone is aware, but you can save tax under section 80C by investing in tax-saving instruments like EPF, PPF, FD, NSC, ULIP, and ELSS before March 31^st. The investment limit is Rs. 1.5 lakh.

If you are investing

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`

Depending on your tax-slab, you will save

10% Slab

20% Slab

30% Slab

Why ELSS

Why is ELSS the best tax saving investment for you?

Save tax

Lowest lock-in period

Returns are linked to
stock market and are tax-free

Equity Linked Savings Schemes (ELSS) is a mutual fund investment that reduces your taxable income by ` 1,50,000. With a minimum lock-in period of just 3 years, ELSS has the potential to earn higher returns than most other tax-saving options as most of the portfolio is invested in the stock market.

See how ELSS compares with other tax-saving instruments:

	ELSS	Tax-saving FD	ULIP	NSC	PPF	EPF
Lock-in period	3 years	5 years	5 years	5/10 years	15 years	Till termination of employment
Taxation aspect	10% tax after 1 lakh of Capital gain	Interest is taxable as per your IT slab	Maturity/claims proceed are tax-free	Interest is taxable as per your tax-slab	Interest is tax-free	Interest is tax-free^^
Returns (p.a.)	Market-linked#	6.0%^	Market-linked	7.8% (As on 1-7-17)	7.8 % (As on 1-7-17)	8.65 % (As on 1-4-2017)

	Lock-in period	Taxation aspect	Returns (p.a.)
ELSS	3 years	Dividend & capital gains are tax-free	Market-linked#
Tax-saving FD	5 years	Interest is taxable as per your IT slab	6.0%^
ULIP	5 years	Maturity/claims proceed are tax-free	Market-linked
NSC	5/10 years	Interest is taxable as per your tax-slab	7.8% (As on 1-7-17)
PPF	15 years	Interest is tax-free	7.8 % (As on 1-7-17)
EPF	Till termination of employment	Interest is tax-free^^	8.65 % (As on 1-4-2017)

Disclaimer

Source: PPF, NSC data from India post, 5 year Fixed Deposit rate from SBI website (as on 30th Sept'16), EPF rate from EPFO
*Premature closure is not allowed before 15 years. Withdrawal is permissible every year from 7th financial year from the year of opening account.
^Interest rate of SBI 5 year deposit of less than a crore for non-senior citizen. Bank fixed deposit are relatively safer as they are covered under Deposit Insurance and Credit Guarantee Corporation of India to the extent of `1 lakh per account.
**Interest Compounded six monthly but payable at maturity.
^^Taxable if withdrawn before 5 years of continuous service (in case of job change, the investor can transfer account to new employer to maintain continuity).
#Fund is locked in for 3 years.

Tax Saver Fund Return History

As on 01 Sep 2017
Scheme Name	3 Yrs	5 Yrs	10 Yrs	15 Yrs	20 Yrs
DSP BlackRock Tax Saver	15.82	22.42	13.75	-	-
Franklin India Taxshield	14.36	19.94	13.79	22.97	-
HDFC Taxsaver - Growth	10.37	18.79	11.99	24.62	28.11
ICICI Pru Long Term Equity	9.62	18.93	13.21	24.43	-
IDFC Tax Advantage Fund	16.42	22.48	-	-	-
Reliance Tax Saver	13.37	23.35	-	-	-
SBI Magnum Tax Gain	11.22	18.26	10.61	26.05	20.46
UTI Long Term Equity Fund	11.52	16.56	9.00	17.63	-
Average Returns	12.84	20.09	12.06	23.14	24.29

Disclaimer : www.vgpportfolio.com is an online website of the partnership firm M/s. VGP Portfolio who is registered vide ARN- 1132 as a Fund distributor. The said website is just an electronic presentation of financial services for self help by investors. This site should not be treated as a financial advisory website as we do not charge for any calculation or results produced here. The website do not guarantees any returns or financial goal success by any means.