Tax-Saving Investments

Understand ELSS mutual funds and other tax-saving options, with clear information on lock-in periods, risks and prevailing tax provisions.

03Tax-Saving Investments

Overview

Tax-Saving Investments

Equity Linked Savings Schemes (ELSS) are equity mutual funds that carry a mandatory lock-in of three years from the date of each investment. Under the old tax regime, investments in ELSS may qualify for a deduction within the overall limit specified under the prevailing income-tax law.

We help you understand how ELSS works, the lock-in on each SIP instalment, and the risks of equity investing. For your personal tax position, we encourage you to consult a qualified tax professional.

ELSS schemes with a 3-year lock-in per investment
Lumpsum or SIP route
Clear explanation of the lock-in on each SIP instalment
Capital gains statements for tax filing

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What’s Included

How We Help

ELSS Schemes

Equity-oriented schemes with the shortest lock-in among common tax-saving options.

Lock-in Clarity

Each SIP instalment has its own 3-year lock-in; we explain this before you invest.

SIP or Lumpsum

Spread your investments through the year or invest at once — the choice is yours.

Tax Statements

Capital gains and transaction statements to support your income-tax return filing.

Regime Awareness

Information on how deductions differ between the old and new tax regimes.

Family Folios

Assistance with investments in the names of family members, subject to KYC.

Getting Started

Four Simple Steps

Connect

Call, WhatsApp or visit our Coimbatore office to discuss what you are looking for.

Get Onboarded

We help complete KYC, FATCA, nominee and bank mandate formalities — digitally.

Choose & Invest

You select schemes after reading the documents; we execute transactions accurately.

Track & Service

View holdings online and reach us for every service request along the way.

Please Note

Things to Know

ELSS is an equity scheme and is subject to market risk; capital is not protected.
The lock-in applies separately to each investment, including each SIP instalment.
Deductions are available only under the old tax regime and within limits specified by law. Tax laws are subject to change.
We do not provide tax advice. Please consult a qualified tax professional for your specific situation.

FAQs

Common Questions

What is the lock-in for ELSS?

Three years from the date of allotment of each unit. For SIPs, each instalment is locked in for three years from its own allotment date.

Is ELSS deduction available in the new tax regime?

As per current provisions, deductions for ELSS investments are available only under the old tax regime. Rules may change, so please check the prevailing law or consult a tax professional.

How are gains from ELSS taxed?

ELSS gains are treated as long-term capital gains from equity-oriented funds after the lock-in and are taxed as per prevailing income-tax rules.

Can I redeem before three years?

No. Units cannot be redeemed, switched or pledged during the lock-in period.

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