SBI Short Term Debt Fund

 SBI Short Term Debt scheme aims to generate regular income with high degree of liquidity by investing in a portfolio comprising of money market instruments and debt securities which should not be rated below investment grade by a credit rating agency.

SBI Short Term Debt Fund one- and three-year returns are 9.4 per cent and 9.35 per cent, respectively. The three-year returns are 40 basis points ahead of the category returns and 146 basis points ahead of the benchmark returns.

SBI Short Term Debt Fund  has a very low-risk approach to portfolio construction. Over the past one year, the fund has relied almost entirely on AAA rated corporate bonds and sovereign debt for its returns. The fund, however, actively juggles between AAA rated bonds and gilt exposures to take advantage of narrowing or widening credit spreads.

While very conservative on credit, it does stretch the duration to three plus years based on rate expectations. In the last one year, the average maturity has swung between two and 3.1 years. 

SBI Short Term Debt Fund expense ratio for the regular plan is somewhat high within this selection, at 0.91 per cent. But the direct plan is considerably cheaper, at 0.31 per cent.

Invest Rs 1,50,000 and Save Tax up to Rs 46,350 under Section 80C. Get Great Returns by Investing in Best Performing ELSS Funds. Save Tax Get Rich

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ITR Deadline

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People are generally under the impression that the due date of July 31 is now or never for filing of the ITR and therefore if one fails to file the ITR by the due date, he cannot file it later. It is not so exactly. However if you fail to file your ITR by the due date some consequences follow. Let us discuss the consequences.

What is the due date for filing of my income tax return?

For salaried persons and small businessmen the due date for filing income tax return is July 31, 2018 for the year ended March 31, 2018. For people in business or engaged in profession and whose accounts are required to be audited due to turnover exceeding a threshold limit the due date is September 30, 2018.

What happens if you miss the deadline?

In case you fail to file your ITR by July 31, you can still file it latest by March 31, 2019 with some mandatory fee. So if you file your ITR after July 31 but by December 31 you have to pay a late fee of Rs. 5,000. The fee goes up to Rs 10,000 if you file your ITR after December 31 but by March 31, 2019 . Beyond this, you can not file it. In case of small taxpayers the late fee shall not exceed Rs 1,000 in case the net taxable income does not exceed Rs 5 lakhs for the year.

If you fail to file the ITR by July 31, you cannot carry forward losses of current year to set off against incomes of later years. Earlier, there was restriction on revision of your ITR if you failed to file it by the due date but now that restriction has been lifted.

What happens if I fail to file my ITR by March 31, 2019?

In case you fail to file your ITR even by March 31, 2019 the income tax department can levy a penalty of 50 per cent or 250 per cent of the tax sought to be evaded depending on the circumstances. In addition to the penalty, the income tax department can also launch prosecution for not filing of the ITR in case the amount of income tax liability for the year exceeds Rs 3,000 and you can be punished with imprisonment for a minimum term of three months and which can go upto seven years.

So what are you waiting for? File your ITR by July 31 to avoid the late fee, interest, penalty and prosecution.

SIPs are Best Investments as Stock Market s are move up and down. Volatile is your best friend in making Money and creating enormous Wealth, If you have patience and long term Investing orientation. Invest in Best SIP Mutual Funds and get good returns over a period of time. Know which are the Top SIP Funds to Invest Save Tax Get Rich - Best ELSS Funds

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INVESCO INDIA CONTRA FUND

 

INVESCO INDIA CONTRA FUND is a true-to-mandate contra fund in the form of a multi-cap offering with a value bias. The core of its portfolio is comprised of businesses which are in a turnaround phase or are trading below intrinsic value.

It may further bet on companies which are counted among market leaders but are currently de-rated due to short term events. The fund mostly rotates between a few cyclical sectors but is poised to seize outside opportunities if value is apparent. The aim of the fund is to identify such bets early in the lifecycle and continue to hold when they are performing well.

It maintains a compact portfolio which is cheaper than its benchmark, but also ensures that quality of is not compromised. With a proven track record of consistent outperformance, this fund is a worthy pick in this segment.

Invest Rs 1,50,000 and Save Tax up to Rs 46,350 under Section 80C. Get Great Returns by Investing in Best Performing ELSS Funds. Save Tax Get Rich

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What is Nifty?

What is the Nifty?

It is a diversified 50 stock index accounting for 12 sectors of the economy. This is owned and managed by India Index Services and Products. (IISL). IISL is India's specialised company focused upon the index as a core product.

How is the Nifty computed?

According to the NSE's website, the index is computed using free float market capitalization weighted method. Under this, the level of the index reflects the total market value of all the stocks in the index relative to a particular base period. The period in this case is the close of prices on November 3, 1995, which marks the completion of one year of operations of NSE's Capital Market Segment.

It must be noted that the method also considers constituent changes in the index and corporate actions such as stock splits, rights, etc without affecting the index value.

What is the criteria for selection of stocks?

Usually, it is based on the liquidity and other factors such as out of IPO period, replacement, among others.

NSE explains that… "For inclusion in the index, the security should have traded at an average impact cost of 0.50 percent or less during the last six months for 90 percent of the observations for a basket size of Rs 2 crore."

Other factors:

1. A stock could come under consideration once it has come out of an IPO, if it fulfils the parameters such as impact cost, market capitalisation and floating stock, for a 3- month period than 6-month period.

2. Availability for trading in the derivatives segment.

3. Replacement of stock

- Developments such as corporate actions, delisting, among others, could lead to a replacement of the stock. In this case, the stock with the largest free float market cap and satisfying other requirement related to liquidity, turnover and free float will be considered for inclusion, the portal added.

- When a better candidate is available in the replacement pool, which can replace the index stock i.e. the stock with the highest free float market capitalization in the replacement pool has at least twice the free float market capitalization of the index stock with the lowest free float market capitalization.

Does it mean bad news for the stock to be excluded?

Not necessarily. It could be a case where the parameters are changed for inclusion/exclusion in the Nifty and the stock could have performed steady. Having said that, in the news development from Monday, these companies were underperformers.

Can companies make a comeback on the index?

Yes. They can. If there is a sustained healthy performance in the stock along with increasing market capitalisation, then such stocks can make a comeback, subject to fulfilment of other criterion mentioned above.

Invest Rs 1,50,000 and Save Tax up to Rs 46,350 under Section 80C. Get Great Returns by Investing in Best Performing ELSS Funds. Save Tax Get Rich

Top 10 Tax Saver Mutual Funds for 2018

Best 10 ELSS Mutual Funds to Invest in India for 2018

1. DSP BlackRock Tax Saver Fund

2. Tata India Tax Savings Fund 

3. Birla Sun Life Tax Relief 96

4. ICICI Prudential Long Term Equity Fund

5. Invesco India Tax Plan

6. Franklin India TaxShield 

7. Reliance Tax Saver (ELSS) Fund

8. BNP Paribas Long Term Equity Fund

9. Axis Tax Saver Fund

10. Sundaram Diversified Equity Fund

Invest in Best Performing 2018 Tax Saver Mutual Funds Online

Invest Best Tax Saver Mutual Funds Online

Download Top Tax Saver Mutual Funds Application Forms

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Gifting Equity Shares

 Giving equity shares as a gift

A gift is a transfer of movable or immovable property from one to another without consideration. Shares owned by a person can be gifted to another person (relative or otherwise) by following a certain procedure. Since gifting constitutes a transfer, and the transfer is for no consideration, such a transfer can be carried out using the "off market transfer" mechanism.

Delivery instruction slip (DIS)

Donor of shares has to fill out a DIS and submit the same to Depository Participant (DP). It should mention the DP ID, DP name, client ID of the donee and name, ISIN, and number of shares to be transferred.Execution date must be mentioned. This is an instruction to the DP.

Receipt instruction

The donee has to fill out a receipt instruction and submit it to his DP. The shares received from the donor's DP will be credited to donee's DP account once the receipt Instruction is received. Details such as DP ID, name, needs to be mentioned.

Process

Once the DIS or receipt instructions are received, duplicate copy is returned to respective parties. Details mentioned in delivery instruction and receipt instruction must match. Transfer takes place on execution date mentioned by the parties.

Need for deed

Since shares are considered "movable property", it is not mandatory to execute a gift deed. However, in order to create a legal record, it is best to execute a gift deed on an appropriate stamp paper.

Tax

If the gift of shares is being made to a "relative" as defined by the Income Tax Act, it will not be subject to tax. Also if the value of shares is less than `50,000, the same is not taxable in the hands of the donee, even if he is not a "relative" as per the Act.

Once a gift is made to the donee, it is not revocable.

If the buying client has given a standing receipt instruction, this may be ignored.

If the shares are in physical certificate form, a share transfer deed will have to be executed and sent to the registrar of the company.

Invest Rs 1,50,000 and Save Tax up to Rs 46,350 under Section 80C. Get Great Returns by Investing in Best Performing ELSS Funds. Save Tax Get Rich

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Steps to Buy Health Insurance Plan

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A few months ago, I got a frantic call from a friend who wanted me to "quickly" recommend a good health insurance plan, as she wanted to urgently furnish tax deduction proofs to her employer. She didn't have the time to research and buy insurance, plus she found the products way too complicated. That got me thinking.

How can one quickly buy a health insurance plan on his own? Here's a quick guide for beginners.

There are three ground rules —Don't buy in a hurry; don't buy based on a friend's or agent's recommendation; and lastly, don't buy based on price (health insurance plans can restrict the quality of healthcare through room eligibility and network of hospitals). Let's look at the steps:

Step 1: The right amount

The primary purpose of health insurance is to provide financial support. Over the past few years, inflation in healthcare sector has seen a double-digit growth and increased lifestyle diseases, along with critical illnesses, has made it important to buy a relevant cover. Hospital bills now range from a minimum of Rs50,000 to Rs5 lakh. Factoring even a 5% inflation for 15 years, your family will need a cover of Rs15 lakh in 2033. For most of us in our 30s and 40s, it is necessary to have a cover of at least ₹10 lakh.

Step 2: Five parameters

Room eligibility: Insurers have a cap on room rent and type of room you occupy. If the room category is higher than the prescribed limit, you will be liable to not only pay the difference, but bear proportionate deductions on the entire hospital bill. It is advisable to choose a plan offering at least a single private room or the one that has no limit on room rent.

Co-payments and limits: For some health insurance plans, you have to pay a part of your bill, say 10% to 20% through the co-payment clause. This may also be applicable after reaching old age. Ensure you always check for the co-pay or limitation clause.

Day-care treatments: An ideal policy should cover all day-care treatments and not have a restrictive list.

Network hospitals coverage: Check whether the top hospitals you are likely to visit in case of an unfortunate hospitalisation are covered under the provider network of the insurance company you choose.

Relevant benefits: There are some features that could be relevant completely based on your own personal requirements. For instance, if you are a newly married couple, a maternity cover may be important to you, for a some worldwide hospitalisation coverage may be relevant. Keep your future requirements in mind.

Also, look at these three features:

Restoration benefits: If you are buying a floater plan, restoration benefit can be of great long-term value.

No claim bonus: Insurers reward their customers for having a claim-free year with an increase in their sum assured ranging from 5-50% at the same premium, which is known as the no claim bonus. This can be a useful buffer against healthcare inflation.

Free health check-up: Some insurers provide free health checkups, assessment of medical reports, health coaching and monetary rewards.

Step 3: Disclosures

Disclose complete details of your medical history and all health-related information and conditions without fail, because suppression or misrepresentation of facts can lead to claim rejection in the future. In the last several years, we have seen many well-meaning customers fret too much, over-compare and endlessly wait for their ideal health insurance plan to arrive. Finally, some of these people miss buying completely and end up footing heavy bills. A plan that matches 85-90% of your requirements is better than missing out on it.

SIPs are Best Investments when Stock Market is high volatile. Invest in Best Mutual Fund SIPs and get good returns over a period of time. Know Top SIP Funds to Invest Save Tax Get Rich - Best ELSS Funds

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Changes in LTCG

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The Budget has unleashed havoc in the stock markets by reintroducing the tax on long-term capital gains from stock and equity funds. The Sensex tanked by nearly 840 points on Friday due to widespread selling pressure. Analysts say this will continue as investors try to book profits before the LTCG tax comes into effect in the new financial year starting 1 April. 

The good news is that the tax has a very liberal threshold and will apply to long-term gain beyond Rs 1 lakh. Small investors with a ortfolio of `10-15 lakh will not have to worry. Even big investors can avoid the tax by keeping an eye on the calender. 

Even so, the big fear is that the sharp decline in stock prices could make new investors jittery. Small investors have taken to mutual funds in a big way in recent years, adding over two crore new folios in the past two years (70 lakh in 2016 and 1.4 crore in 2017). Nearly Rs 1,50,000 crore has flown into the equity markets through mutual funds in the past one year. Investors are pouring in nearly Rs 6,200 crore every month into equity funds via SIPs. This liquidity has helped the markets climb new peaks in recent months, but a sustained decline in stock prices could arrest the inflows. 

The other danger is that investors will be lured by distributors of other products such as Ulips and traditional insurance policies. Being insurance products, the income from these plans are not taxable under Section 10(10d). Ulips have changed for the better after the insurance regulator capped charges in 2010, but traditional insurance plans continue to have very high charges. Their returns are barely 4-5%, but if stock markets are down and LTCG are taxed, insurance agents will be able to will be able to palm off these plans to investors. "It will be open season for insurance agents 

 

 

 

SIPs are Best Investments when Stock Market is high volatile. Invest in Best Mutual Fund SIPs and get good returns over a period of time. Know Top SIP Funds to Invest Save Tax Get Rich - Best ELSS Funds

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Lending Equities

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Lending of equities for additional return is a good product. It is gaining traction with volumes picking up

As a property investor, you have two options—keep the house locked or give it out on rent. The first option fetches you the capital gains as returns, while the second option earns you regular returns in the form of rent and capital gains. For stock investments too, you can either hold on to your shares and wait for them to appreciate in value or lend your securities through the security lending and borrowing (SLB) scheme to earn money in the interim.

Though a very good product, the SLB scheme is yet to attract large scale interest. SLB holds huge potential for interested investors. It is yet to pick up because of lack of awareness. We try to educate our clients about it on a regular basis

The efforts are showing. Volume in the SLB segment has started picking up and in the last five years, transactions have moved from around ₹100 crore to ₹2,000 crore

WHO BORROWS YOUR STOCKS?

Stock borrowing is mostly done by institutions and traders who want to hedge their positions in the futures and options (F&O) segment. At present, more than 90% of the people are borrowing securities to meet their delivery obligation under reverse arbitrage

Reverse arbitrage opportunity arises when prices in the futures market quote at a discount to spot price and arbitragers buy in the futures market and sell in the cash market. Since they need to give delivery in the cash market in a few days, they borrow the same from the SLB segment.

Traders, hedge fund managers, etc can also use stock borrowing to short a stock. There is a reason why they use this segment instead of F&O. They get in here only when the forward premium or the difference between the future price and spot price is higher than the rent charged by lenders on that stock. Traders try to make additional money by borrowing a stock at a cheaper rate and selling the same at a higher rate.

WHAT ARE THE RISKS?

Unlike the high-risk borrowing activity, securities lending is relatively risk-free and hence suitable for long term investors. Regulator Sebi and the bourses have imposed heavy margins on borrowers and the entire process is managed by Indian Clearing Corporation Limited (ICCL).

There are also several other provisions to take care of the interest of investors. Lenders in the SLB segment will continue to benefit from corporate actions. Corporate actions can be in the form of dividends, bonus or rights issue, etc. For one, if a company declares dividend when your share has been lent, the borrower will collect the dividends and pass it on to you.

Stock lending entails transfer of securities from the lender's demat account to the borrower and back. However, this does not complicate tax calculations. That is because the tax authorities have already exempted the SLB transactions from the definition of 'transfer' through a clarification dated February 22, 2008.

HOW SHOULD YOU LEND?

Despite the benefits, lenders should be aware that they cannot expect fixed returns from a product like this (see chart). They also need to moderate return expectations. Normal market yield is in the range of 5-6% per annum. Depending on the stock and market situation, these yields may vary in the range of 2% to 15% per annum. It can even shoot up 30-40% for short periods. Lending fees usually shoot up due to technical reasons. Special situations can arise if a big bear operator is stuck and has to give a large delivery. Then yields can go up to 30-40% levels. However, note that these are annualised figures and the absolute return you get will be less because the lendings happen over short periods of 10-20 days.

Since stock brokers need to take separate membership in the SLB segment, make sure your broker has a membership in the segment before proceeding. If not, you need to shift to another broker. The second step involves informing your broker about the stocks you want to lend and also the quantity. Once you reveal the stock list, the brokers will alert you about lending opportunities.

Every day, we get details of the stocks that are in demand and inform clients when such opportunity exist. Another option is to place an order for lending on a daily basis and the deal happens depending on the market situation

Heavy penalties await lenders if they don't deliver on time. So be ready to do that. We alert clients about lending opportunities and ask them to transfer to our account. This is to avoid the chance of default on lending obligations

SIPs are Best Investments when Stock Market is high volatile. Invest in Best Mutual Fund SIPs and get good returns over a period of time. Know Top SIP Funds to Invest Save Tax Get Rich - Best ELSS Funds

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Aditya Birla SL Frontline Equity Fund

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Experts now unanimously believe that stock markets could remain range-bound this year. There is an apparent lack of enthusiasm among foreign institutional investors and uncertainty about the earnings growth picking up, which could keep the markets in a narrow trading range.

Given the uncertainty in the markets going ahead, it makes sense for investors to choose mutual fund schemes with high exposure to large-sized companies whose earnings growth may not be as volatile as their mid- and small-cap peers. One such scheme with a proven track record is Aditya Birla Sun Life Frontline Equity. The fund has distinguished itself from its peers with its consistent performance.

Managed by Mahesh Patil, the scheme has not only performed better in bull cycles but has also been able to contain a decline in portfolio returns in bear markets. Patil keeps a few things in mind before picking up stocks: reasonable price, distinguished competitive edge of a company in its industry, special focus on corporate governance and attractive valuations.

The scheme has outperformed even its peers in the past 10 years. In the past five- and 10-year periods, the scheme has given 8% and 16% returns while its benchmark, S&P BSE200, has given 7% and 13% returns, respectively, during the same period. In the past six months, Patil's focus has been on reducing volatility in the portfolio. He has enhanced the scheme's concentrated exposure to safer stocks, such as HDFC Bank and Maruti Suzuki.

SIPs are Best Investments when Stock Market is high volatile. Invest in Best Mutual Fund SIPs and get good returns over a period of time. Know Top SIP Funds to Invest Save Tax Get Rich - Best ELSS Funds

For more information on Top SIP Mutual Funds contact Save Tax Get Rich on 94 8300 8300

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How to create Wealth

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Young Indians who finish their education and start out in their careers hardly think about what to do with their income, other than repaying the education loan they may have taken for higher education.

This has given rise to a phenomenon of young professionals who have a high disposable income that gets disposed off by the end of the first half of the month. This can result in a lot of pain in latter stages of life when one is trying to catch up with investment opportunities that otherwise have been lost.

Here are some time-tested thumb rules that will help you plan your personal finances in a more comprehensive manner. Remember these are thumb rules and you can tweak them to meet your requirements, but if you do not have a plan in place this is the place you should start.

Income - Savings = Expenses

The first rule in personal finance is that you have to invest or save money before you decide on how much you can spend. A number of youngsters do not have any savings as they believe savings come from "surplus income". This is wrong. You first have to decide how much savings you need, and make them as soon as you receive your income. Now, plan your expenses with whatever is left.

How much you should Save?

At the start of your career you should be saving at least 10% of your post-tax income. As your income rises, the percentage of savings should increase, say to 15% in your early to late 20s to reach to 35% by the time you hit 40 years of age. Of course, the actual savings that you should make depends on your own life goals. These are just the bare minimum percentages to ensure you have a healthy stock of wealth.

While you can start by saving 10% of your post-tax income, you should be angling to follow the 50-20-30 rule. That is: Not more that 50% of your income should go towards living expense including household expenses, no less than 20% of your income should go into savings towards your short and long-term goals, and no more than 30% should be spent on avoidable expenses like outings, eating out and vacations.

How much you should Invest in Equity?

If you're not sure about how much of your savings should be in equity and how much in debt instruments, the most popular thumb rule is to decide this is the '100 minus' rule. That is, the percentage of your savings in the form of equity should be '100 minus your age'. For example, if you are 30 today - you should invest 70% of your total savings into equity. As you age, this percentage comes down as your risk appetite goes down with age and you should prefer the less volatile debt instruments.

Emergency Fund

While you should invest in insurance covers even when you are young, you should maintain an emergency fund that you can dip into if push comes to shove. This will come in handy in case of an emergency. Even when you are facing a tough time, you will not have to postpone unavoidable expenses and you will manage to honour your commitments towards EMIs etc. The rule of thumb is that the emergency fund should be equal to 9 months' worth of your total income. This will take time to build, your immediate goal should be to have an emergency fund equal to 3 months' worth of income at the earliest and build towards the ideal corpus.

Life Insurance Cover

As a rule of thumb, your life cover should be equal to 10 times your annual income. The most cost-effective way to achieve this is through a pure term insurance. This will give you a large cover at a low premium - as this does not involve any saving component. While you will get no returns on surviving the term, the risk to life will be covered sufficiently - and that should be the only reason to invest in a life cover.

How much to save for Retirement?

Most experts believe that your retirement corpus should be 30 times your annual income - to make room for inflation. As you can see this amount is based on your income and not the projected expenses post-retirement - and therefore could still be a disappointment. The best thing to do is to have a target in mind and work backwards to what you should be saving today. While money is fungible and has exactly the same value even when marked as "emergency fund" or "retirement fund" or "saving for goals" - separating them into these categories makes it easier to plan and execute towards your goals.

Getting a Car

Now that your savings have been planned, let us look at a few expenses that most young professionals have. Firstly, how much can you spend on a car? The rule of thumb for buying a vehicle is "20/4/10" - that is, you should make a down payment of at least 20% upfront, the financing you take for it should not be more than 4 years, and the monthly EMI towards the car loan should be less than 10% of your monthly income.

Getting a House

We all dream of owning a home. Again, you should pay 20% of the price as down payment. Total EMIs that you pay should not be over 50% of your income, and home loan EMI should be under 30% of the income. Given the current interest rates on home loan, the value of the house that you can afford comes to about 4.5 to 5 times your annual income.

Diversification

While a lot of investors tend to invest in as many as 25 mutual funds in the hope of diversifying their investments, this is not advisable. You should hold about 10 different funds - investing in any more spreads your funds too thin and only giving marginal benefits of diversification compared to loss in risk adjusted returns.

Net Worth

Thomas J. Stanley and William D. Danko in "The Millionaire Next Door: The Surprising Secrets of America's Wealthy" postulate that an Average Accumulator of Wealth has a net worth equal to product of their age and one-tenth of their pre-tax annual income. This should be the least net worth you should aim for. Remember that net worth includes not just your cash, investments and home equity but also tangible property like jewelry, furniture and other assets like books and paintings that you may own. So, if you are 30 and make Rs 14 lakh a year, your net worth should be at least Rs 42 lakh.

Remember that there is no generic solution to your personal finance situation. The thumb rules listed here are to be used as starting points - start here and tweak them based on your risk appetite, inherited wealth and  personal goals.

SIPs are Best Investments when Stock Market is high volatile. Invest in Best Mutual Fund SIPs and get good returns over a period of time. Know Top SIP Funds to Invest Save Tax Get Rich - Best ELSS Funds

For more information on Top SIP Mutual Funds contact Save Tax Get Rich on 94 8300 8300

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