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Avenues
Characteristics
Lock in period (in years)
ELSS
PPF
15^
NSC
Bank FD
Capital gains
& Dividends
Interest
Interest
Interest
Interest is
Tax free
Interest is
Taxable
Interest is
Taxable
Type of returns
Market Linked**
Fixed
Fixed
Fixed
Nature of gains
Investments /
Contributions /
Deposits / Payments
of
Rs. 1,50,000
Tax savings
upto
Rs. 51,912*
ELSS currently has lowest lock-in period (3 years) among all tax saving
investment avenues under section 80C of Income Tax Act,1961
TAX-FREE GAINS
Gains (either dividends or long term capital gains) are tax free as per
current tax laws
OPERATIONAL
EASE
POWER
OF TWO
^Partial withdrawals are allowed from 7th financial year and subject to conditions. However, full amount can only be withdrawn after 15 years.
Source: www.indiapost.gov.in for PPF and NSC and www.sbi.co.in for Bank FD.
^^ The information provided is for general information purpose only and the disclosures in respect of the tax implications are in accordance with prevailing tax laws and there can be no
assurance or guarantee that the tax implications prevailing at the time of investment in the scheme will endure indefinitely. Further, statements with regard to tax implications
mentioned herein are mere expressions of opinion and are not representations of the mutual fund to induce any investor to acquire units of the schemes of the mutual fund. In view of
the individual nature of the implications, each investor is advised to consult with his or her own tax advisors/authorised dealers with respect to the specific tax and other implications
arising out of his or her participation in the schemes.
**Returns are subject to market risks.
*Assuming maximum marginal tax rate of 34.61% (including 30% income tax, 12% surcharge, 2% education cess and 1% secondary and higher education cess)
1
The average 3 year rolling return for the S&P BSE Sensex was 11.9% while the corresponding average inflation rate for this period was 8.1%. Returns are compounded annualized. 3
year rolling returns (with 1 month shift) over a 11 year period from 30-Sep-2004 to 31-Dec-2015. Inflation taken for period between 30-Sep-2004 & 31-Dec-2015. Upto Dec 2011
CPI IW data is taken. From Jan 2012 CPI Combined data (new series) is taken. Past performance may or may not be sustained in future.
3
4
Movement of Rs. 10,000 invested in FIT, CNX 500 & CNX Nifty
500000
450000
FIT: Rs. 418,216
400000
Rupees
350000
300000
250000
200000
150000
B: CNX 500 - Rs. 96,861
100000
50000
FIT
B: CNX 500
Dec - 15
Feb - 15
Apr - 14
Jun - 13
Aug - 12
OCt - 11
Dec - 10
Feb - 10
Apr - 09
Jun - 08
Aug - 07
Oct - 06
Dec - 05
Feb - 05
Apr - 04
Aug - 02
Oct - 01
Dec - 00
Feb - 00
Apr - 99
Jun - 03
1
2
418.2161
401.9406
Since inception
till Dec 31, 2015
Returns
NAV*
Returns
4.05%
256.1355
56.92%
NAV*
241.3250
Value of Investment of
Rs.10,000 since
inception
Inception Date
10.04.1999
Returns
NAV*
Returns
6.14%
10
24.99%
418,216
-0.72%
37.82%
3.61%
14.53%
96,861
-4.06%
31.39%
6.76%
13.23%
79,991
4.08%
10
22.12%
827,300
8.98%
9.83%
79,316
Performance of Top 3 and bottom 3 schemes managed by the fund managers of the scheme
Franklin India Bluechip Fund (FIBCF) - Growth
B:S&P BSE SENSEX
AB:CNX Nifty
344.8196
-
113.8764
AB:Nifty 50
Franklin India Prima Plus (FIPP) - Growth
B:Nifty 500
AB:Nifty 50
Franklin India Monthly Income Plan (FIMIP) - Growth
B: Crisil MIP Blended Fund Index
AB: Crisil 10 Year Gilt Index
Franklin India Life Stage Fund of Funds (FILSF) - The 50s Plus Floating
Rate Plan - Growth
Benchmark$
Additional Benchmark
FILSF - The 50s Plus Plan - Growth
435.8831
44.3674
29.4135
27.9002
338.0004
2.04%
-5.03%
246.3181
37.22%
236.6664
29.89%
-4.06%
31.39%
6.76%
9.80%
78,836
3.75%
94.0101
16.75%
61.3091
53.34%
10
19.72%
227,784
4.51%
16.54%
59.78%
N.A.
-4.06%
31.39%
6.76%
13.69%
92,891
4.38%
266.3419
56.79%
5.55%
10
19.42%
435,883
-0.72%
37.82%
3.61%
8.94%
61,796
-4.06%
31.39%
6.76%
8.84%
60,593
5.97%
10
10.25%
44,367
4.41%
N.A.
N.A.
-0.68%
N.A.
N.A.
7.70%
10
9.85%
29,414
9.15%
9.22%
27,530
109.7588
417.6007
41.9480
5.77%
6.79%
7.39%
27.5055
26.0729
6.94%
5.57%
N.A
7.01%
34.2746
22.39%
16.83%
14.14%
23.9664
22.2305
14.77%
13.21%
N.A
17.28%
252.3438
32.3434
22.2535
21.4038
1.12.1993
22.8.1998
N.A.
N.A
N.A
N.A
3.86%
10
8.86%
27,900
Benchmark$
5.87%
17.40%
4.91%
8.35%
26,380
Additional Benchmark
N.A
N.A
N.A
N.A
N.A
29.9.1994
28.9.2000
9.7.2004
1.12.2003
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.