Academy lesson

What is ELSS & lock-in?

Tax-saving equity funds

Beginner·5 min read·Investment Strategies Foundation
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5 minute lesson

ELSS (Equity-Linked Savings Scheme) is an equity fund that offers a tax deduction under Section 80C, with a 3-year lock-in - the shortest among 80C options. A lock-in means units can't be redeemed before that period.

Because it's equity, returns are market-linked, so treat ELSS as a long-term investment, not just a March tax rush.

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related toWhat is investment risk?The chance of loss or volatilityWhy it is here: Connected through the Gajamudra Knowledge Graph.

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researchesThe Diversification Myth in Small Cap Mutual Funds | Gajamudra Research Episode 002Most investors believe owning more stocks automatically means better diversification. Our analysis of India's Small Cap mutual funds tells a different story. Discover how UTI Small Cap Fund and quant Small Cap Fund express conviction through two very different portfolio construction philosophies.Why it is here: Continue with evidence connected to this lesson.

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applies withConviction & ConcentrationGini, HHI, top-5/10/20 weight, largest bet, high-conviction count and breadth — how concentrated and conviction-led the portfolio is.Why it is here: Apply this concept to real disclosed portfolio data.

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explainsELSSAn equity-linked savings scheme with a statutory three-year lock-in and tax treatment subject to prevailing law.Why it is here: Review a connected term in plain language.

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part of routeBehaviourUse systematic investing and rebalancing to support disciplined decisions.Why it is here: Follow this topic through a guided Learning Route.

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referencesInformation TechnologyA sector knowledge hub for portfolio exposure, related funds and research.Why it is here: Connected through the Gajamudra Knowledge Graph.
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