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| Tax treatment | Min investment | Compare | ||||
|---|---|---|---|---|---|---|
| Parag Parikh ELSS | High | 11–16% | 3 years (shortest lock-in of any 80C option) | Investment deductible up to ₹1.5L under 80C (old regime only); LTCG above ₹1.25L/yr taxed at 12.5% | ₹500/month SIP or ₹500 lump sum | |
| Mirae Asset ELSS | High | 11–16% | 3 years (shortest lock-in of any 80C option) | Investment deductible up to ₹1.5L under 80C (old regime only); LTCG above ₹1.25L/yr taxed at 12.5% | ₹500/month SIP or ₹500 lump sum | |
| Axis ELSS | High | 11–16% | 3 years (shortest lock-in of any 80C option) | Investment deductible up to ₹1.5L under 80C (old regime only); LTCG above ₹1.25L/yr taxed at 12.5% | ₹500/month SIP or ₹500 lump sum | |
| Quant ELSS | High | 11–16% | 3 years (shortest lock-in of any 80C option) | Investment deductible up to ₹1.5L under 80C (old regime only); LTCG above ₹1.25L/yr taxed at 12.5% | ₹500/month SIP or ₹500 lump sum | |
| DSP ELSS | High | 11–16% | 3 years (shortest lock-in of any 80C option) | Investment deductible up to ₹1.5L under 80C (old regime only); LTCG above ₹1.25L/yr taxed at 12.5% | ₹500/month SIP or ₹500 lump sum | |
| UTI Nifty 50 Index | Medium | 10–13% | None | LTCG (>12mo) above ₹1.25L/yr taxed at 12.5%; STCG at 20% | ₹100/month SIP (index fund) or 1 unit (ETF, ~₹250-300) | |
| HDFC Index Nifty 50 | Medium | 10–13% | None | LTCG (>12mo) above ₹1.25L/yr taxed at 12.5%; STCG at 20% | ₹100/month SIP (index fund) or 1 unit (ETF, ~₹250-300) | |
| Nippon Nifty BeES ETF | Medium | 10–13% | None | LTCG (>12mo) above ₹1.25L/yr taxed at 12.5%; STCG at 20% | ₹100/month SIP (index fund) or 1 unit (ETF, ~₹250-300) | |
| ICICI Pru Nifty 50 ETF | Medium | 10–13% | None | LTCG (>12mo) above ₹1.25L/yr taxed at 12.5%; STCG at 20% | ₹100/month SIP (index fund) or 1 unit (ETF, ~₹250-300) | |
| Parag Parikh Flexi Cap | Medium | 11–15% | None | LTCG (>12mo) above ₹1.25L/yr taxed at 12.5%; STCG at 20% | ₹500/month SIP or ₹5,000 lump sum | |
| Quant Flexi Cap | Medium | 11–15% | None | LTCG (>12mo) above ₹1.25L/yr taxed at 12.5%; STCG at 20% | ₹500/month SIP or ₹5,000 lump sum | |
| HDFC Flexi Cap | Medium | 11–15% | None | LTCG (>12mo) above ₹1.25L/yr taxed at 12.5%; STCG at 20% | ₹500/month SIP or ₹5,000 lump sum | |
| JM Flexicap | Medium | 11–15% | None | LTCG (>12mo) above ₹1.25L/yr taxed at 12.5%; STCG at 20% | ₹500/month SIP or ₹5,000 lump sum | |
| SBI Gold ETF | Low-medium | 6–12% | None | Taxed as a debt/other fund: gains added to income and taxed at your slab rate (post-April 2023 rules) | 1 unit (ETF, roughly the price of 1 gram of gold) or ₹500/month SIP via fund-of-fund | |
| HDFC Gold ETF | Low-medium | 6–12% | None | Taxed as a debt/other fund: gains added to income and taxed at your slab rate (post-April 2023 rules) | 1 unit (ETF, roughly the price of 1 gram of gold) or ₹500/month SIP via fund-of-fund | |
| Nippon India Gold ETF | Low-medium | 6–12% | None | Taxed as a debt/other fund: gains added to income and taxed at your slab rate (post-April 2023 rules) | 1 unit (ETF, roughly the price of 1 gram of gold) or ₹500/month SIP via fund-of-fund | |
| Mirae Asset Gold ETF | Low-medium | 6–12% | None | Taxed as a debt/other fund: gains added to income and taxed at your slab rate (post-April 2023 rules) | 1 unit (ETF, roughly the price of 1 gram of gold) or ₹500/month SIP via fund-of-fund |