Journals › Basic Terminologies
Har installment ka apna lock-in, aur tax season ki jaldbaazi
Published by The Retail Trader · AUG 03, 2026 · Mutual Funds & AMC
ELSS ek equity fund hai jiske saath tax deduction ka benefit judta hai, aur uske badle uspar ek lock-in hota hai. Uska mechanism simple hai par ek detail log aksar miss karte hain.
Lock-in poore folio par nahi, har investment par alag lagta hai. Yaani SIP ki har installment ka apna lock-in period hota hai, uske apne date se.
Isliye SIP se ELSS lene par poora paisa ek saath free nahi hota — wo installment dar installment free hota hai.
Ye baatein faisla behtar banati hain:
• Lock-in ke baad bhi nikaalna zaroori nahi — wo ek normal equity fund ban jaata hai.
• Wo equity fund hai, isliye uska poora market risk lagta hai.
• Tax regime ke hisaab se deduction available hai ya nahi, ye pehle dekhna chahiye.
• Saal ke aakhir mein jaldbaazi mein lena aksar galat fund chunne ki wajah banta hai.
Tax bachat ke liye liya gaya nivesh bhi nivesh hi hai — uska fund selection utna hi soch kar hona chahiye. Saal ke shuru mein SIP set kar dena is poore category ki sabse badi problem ko khatam kar deta hai.
Ye article sirf educational hai — koi buy ya sell recommendation nahi, koi guaranteed return ka daawa nahi, aur koi advisory nahi. Rules, rates aur mechanics exchange, SEBI aur RBI time-time par badalte hain, isliye har number apne broker ya official source par khud verify karo.