New Rate of Interest Rate 2024/ MF History

 

सेविंग ब्याज दर इस साल बहुत काम हो चुकी है देखा जा रहा है कि प्रत्येक साल ब्याज दर काम हो रहे है इसी लिए लोग अपने पैंसे को बैंको कि तुलना में अन्य जगह में निवेश करने लगे है इनमे से एक म्यूच्यूअल फंड्स भी है जहाँ पर लोग काफी  अच्छा निवेश करते है म्यूच्यूअल फंड्स व्यवसाय दिन पर दिन बढ़ रहा है | यहाँ देखा गया है कि पिछले कुछ सालो में निवेशकों कि शंख्या बहुत अधिक  रही है इसका कुछ डाटा एम्फी कि साइट से लिया गया है जो इस प्रकार नीचे दिया गया है |

Mutual Funds Investors as per AMFI

TABLE 1 ASSET UNDER MANAGEMENT AND FOLIOS - CATEGORY WISE - AGGREGATE - AS ON March 31, 2021

Types of Schemes	Investor Classification	AUM (Rs. Cr)	% to Total	No of Folios	% to Total
Liquid Fund/Money Market Fund/ Floater Fund	Corporates	441034.62	79.04	71635	2.34
	Banks/FIs	12777.22	2.29	885	0.03
	FIIs	63.21	0.01	15	0
	High Networth Individuals*	91380.67	16.38	641419	20.91
	Retail	12759.05	2.29	2352921	76.72
	Total	558014.76	100.00	3066875	100.00
Gilt Fund/ Glit Fund with 10 year constant duration	Corporates	9021.75	50.84	3318	1.23
	Banks/FIs	138.01	0.78	46	0.02
	FIIs	175.97	0.99	8	0
	High Networth Individuals*	6927.53	39.04	36875	13.63
	Retail	1482.69	8.36	230383	85.13
	Total	17745.96	100.00	270630	100.00
Remaining Income/ Debt Oriented Schemes	Corporates	510302.4	58.19	128628	2.34
	Banks/FIs	14877.77	1.7	1703	0.03
	FIIs	1023.1	0.12	73	0
	High Networth Individuals*	317973.43	36.26	1883902	34.22
	Retail	32745.73	3.73	3491488	63.41
	Total	876922.42	100.00	5505794	100.00
Growth/ Equity Oriented Schemes	Corporates	90638.3	9.04	444532	0.66
	Banks/FIs	670.59	0.07	938	0
	FIIs	3622.77	0.36	350	0
	High Networth Individuals*	355663.95	35.49	4091202	6.12
	Retail	551563.14	55.04	62323794	93.21
	Total	1002158.74	100.00	66860816	100.00
Hybrid Schemes	Corporates	53590.43	15.67	76553	0.82
	Banks/FIs	161.87	0.05	158	0
	FIIs	583.09	0.17	39	0
	High Networth Individuals*	212088.72	62.03	1868302	19.91
	Retail	75495.17	22.08	7439834	79.27
	Total	341919.29	100.00	9384886	100.00
Solution Oriented Schemes	Corporates	43.88	0.18	250	0
	Banks/FIs	0.07	0	2	0
	FIIs	0	0	0	0
	High Networth Individuals*	7100.78	29.13	82223	1.49
	Retail	17232.08	70.69	5427590	98.5
	Total	24376.82	100.00	5510065	100.00
Index Funds	Corporates	5663.51	29.55	6335	0.62
	Banks/FIs	92.84	0.48	9	0
	FIIs	0	0	0	0
	High Networth Individuals*	8266.64	43.14	70312	6.93
	Retail	5141.2	26.83	938337	92.45
	Total	19164.19	100.00	1014993	100.00
Gold ETF	Corporates	7552.57	53.48	8727	0.67
	Banks/FIs	1.12	0.01	5	0
	FIIs	0	0	0	0
	High Networth Individuals*	4673.56	33.09	39857	3.07
	Retail	1895.47	13.42	1250735	96.26
	Total	14122.72	100.00	1299324	100.00
ETFs(other than Gold)	Corporates	254342.86	92.18	42278	0.99
	Banks/FIs	3946.12	1.43	39	0
	FIIs	78.74	0.03	11	0
	High Networth Individuals*	13703.54	4.97	74710	1.76
	Retail	3859.59	1.4	4138426	97.25
	Total	275930.84	100.00	4255464	100.00
Fund of Funds investing Overseas	Corporates	1899.52	15.31	5311	0.76
	Banks/FIs	1.36	0.01	6	0
	FIIs	0.55	0	5	0
	High Networth Individuals*	7720.97	62.23	72412	10.39
	Retail	2785.49	22.45	618948	88.84
	Total	12407.89	100.00	696682	100.00
	Grand Total	3142763.6		97865529

* Defined as individuals investing Rs 2 lakhs and above

TABLE 2 - AGEWISE ANALYSIS OF ASSETS UNDER MANAGEMENT AS ON March 31, 2021 - AGGREGATE (Rs. in crores)

Types of Schemes	Investor Classification	0-1 Month	% to category	1-3 Month	% to category	3-6 Month	% to category	6-12 Month	% to category	12-24 Month	% to category	>24 Month	% to category	Total
EQUITY	Corporates	167049.73	41.07	29712.48	7.31	24782.23	6.09	40984.38	10.08	61850.18	15.21	82316.95	20.24	406695.94
	Banks/FIs	90.58	2.84	165.76	5.2	173.11	5.43	2092.41	65.69	558.68	17.54	104.54	3.28	3185.08
	FIIs	31.18	0.73	62.57	1.47	101.17	2.38	53.4	1.26	480.27	11.3	3522.88	82.86	4251.48
	High Networth Individuals*	20074.73	3.44	38772.39	6.65	41067.72	7.05	76362.76	13.1	131941.6	22.64	274504.11	47.11	582723.32
	Retail	17879.46	2.81	31727.6	4.98	36148.47	5.68	71495.3	11.23	127495.83	20.03	351899.15	55.27	636645.8
	Total	205125.69	12.56	100440.8	6.15	102272.69	6.26	190988.26	11.69	322326.57	19.73	712347.62	43.61	1633501.62
NON-EQUITY	Corporates	258394.8	26.64	141197.67	14.56	172208.26	17.75	124441.76	12.83	102873.03	10.6	170931.32	17.62	970046.83
	Banks/FIs	14336.72	48.64	5784.29	19.62	1527.23	5.18	2693.53	9.14	1184.75	4.02	3951.09	13.4	29477.6
	FIIs	114.62	8.84	225.12	17.37	101.02	7.8	74.52	5.75	675.75	52.14	104.9	8.09	1295.94
	High Networth Individuals*	25942.37	5.88	42235.94	9.58	53517.8	12.14	97485.31	22.11	86789.63	19.68	134945.07	30.61	440916.11
	Retail	3956.94	5.86	9354.44	13.85	8662.99	12.83	9455.26	14	8962.88	13.27	27132.9	40.18	67525.41
	Total	302745.45	20.06	198797.46	13.17	236017.3	15.64	234150.38	15.51	200486.04	13.28	337065.27	22.33	1509261.9
	Grand Total	507871.14	16.16	299238.26	9.52	338289.99	10.76	425138.64	13.53	522812.61	16.64	1049412.89	33.39	3142763.52

* Defined as individuals investing Rs 2 lakhs and above

MF History As per AMFI SITE

The mutual fund industry in India started in 1963 with the formation of Unit Trust of India, at the initiative of the Government of India and Reserve Bank of India. The history of mutual funds in India can be broadly divided into four distinct phases.

First Phase - 1964-1987

Unit Trust of India (UTI) was established in 1963 by an Act of Parliament. It was set up by the Reserve Bank of India and functioned under the Regulatory and administrative control of the Reserve Bank of India. In 1978 UTI was de-linked from the RBI and the Industrial Development Bank of India (IDBI) took over the regulatory and administrative control in place of RBI. The first scheme launched by UTI was Unit Scheme 1964. At the end of 1988 UTI had Rs. 6,700 crores of assets under management.

Second Phase - 1987-1993 (Entry of Public Sector Funds)

1987 marked the entry of non-UTI, public sector mutual funds set up by public sector banks and Life Insurance Corporation of India (LIC) and General Insurance Corporation of India (GIC). SBI Mutual Fund was the first non-UTI Mutual Fund established in June 1987 followed by Canbank Mutual Fund (Dec 87), Punjab National Bank Mutual Fund (Aug 89), Indian Bank Mutual Fund (Nov 89), Bank of India (Jun 90), Bank of Baroda Mutual Fund (Oct 92). LIC established its mutual fund in June 1989 while GIC had set up its mutual fund in December 1990.

At the end of 1993, the mutual fund industry had assets under management of Rs. 47,004 crores.

Third Phase - 1993-2003 (Entry of Private Sector Funds)

With the entry of private sector funds in 1993, a new era started in the Indian mutual fund industry, giving the Indian investors a wider choice of fund families. Also, 1993 was the year in which the first Mutual Fund Regulations came into being, under which all mutual funds, except UTI were to be registered and governed. The erstwhile Kothari Pioneer (now merged with Franklin Templeton) was the first private sector mutual fund registered in July 1993.

The 1993 SEBI (Mutual Fund) Regulations were substituted by a more comprehensive and revised Mutual Fund Regulations in 1996. The industry now functions under the SEBI (Mutual Fund) Regulations 1996.

The number of mutual fund houses went on increasing, with many foreign mutual funds setting up funds in India and also the industry has witnessed several mergers and acquisitions. As at the end of January 2003, there were 33 mutual funds with total assets of Rs. 1,21,805 crores. The Unit Trust of India with Rs. 44,541 crores of assets under management was way ahead of other mutual funds.

Fourth Phase - since February 2003

In February 2003, following the repeal of the Unit Trust of India Act 1963 UTI was bifurcated into two separate entities. One is the Specified Undertaking of the Unit Trust of India with assets under management of Rs. 29,835 crores as at the end of January 2003, representing broadly, the assets of US 64 scheme, assured return and certain other schemes. The Specified Undertaking of Unit Trust of India, functioning under an administrator and under the rules framed by Government of India and does not come under the purview of the Mutual Fund Regulations.

The second is the UTI Mutual Fund, sponsored by SBI, PNB, BOB and LIC. It is registered with SEBI and functions under the Mutual Fund Regulations. With the bifurcation of the erstwhile UTI which had in March 2000 more than Rs. 76,000 crores of assets under management and with the setting up of a UTI Mutual Fund, conforming to the SEBI Mutual Fund Regulations, and with recent mergers taking place among different private sector funds, the mutual fund industry has entered its current phase of consolidation and growth

 

ELSS- Effective way of Tax Planning & Creation of Wealth

As we grow in life, saving for tax or planning for income tax deduction becomes an unavoidable exercise.

Government of India allows you to save tax under Section 80C, 80D, 80EE . You can claim tax deduction up to ₹ 1.5 lakh under Sec 80C, additionally you can save ₹ 25,000 ( ₹ 50,000 for senior citizens) under Section 80D and ₹ 50,000 under Section 80EE . As beginners we are introduced to tax saving options such as PPFs, Insurance, ULIPs and more.

Other than traditional investment options, you can consider investing in equity as an asset class with ELSS (Equity Linked Savings Scheme), which is an equity mutual fund with a 3-year lock-in.

 

 

WHAT IS ELSS ?

ELSS म्यूच्यूअल फंड्स वह म्यूच्यूअल फंड्स स्कीम है जिसमे हम अपने निवेश को तीन साल से अच्छी समय के लिए करते है इस फण्ड में निवेश करने से हमको इनकम टैक्स के 80C  में भी छूट मिलती है जिसकी अधिकतम सीमा150000 तक होती है ेल्स का पूरा नाम इक्विटी लिंकिंग सेविंग स्कीम है तथा इस फण्ड में निवेश करने से हमको मुनाफा होता है क्यों कि ये निवेश लम्बे समय के लिए किया जाता है | इस फण्ड में निवेश अधिक तर लोग अपने रेटायर्मेंट के लिए भी करते है, PPF और रेटायर्मेंट स्कीम में निवेश करने से अच्छा लोग इस फण्ड में भी अपने रेटायर्मेंट कि प्लानिंग करते है |

ELSS is a type of Mutual Fund which allows you to claim for income tax deduction. You can save up to ₹ 1.5 lakhs a year in taxes by investing in ELSS, which is covered under Section 80C of the Income Tax Act, 1961. However, you can choose to invest more than ₹ 1.5 lakhs, but the excess will not qualify you to avail the tax benefits as per the provisions of Section 80C.

Traditional tax-saving instruments typically offer fixed returns and does not consider the high inflation prevalent in an economy like ours. For example, assuming 6% rate of inflation, investments which have fixed returns promise a return of 8%, in this case your real return would be merely 2%.

On the other hand, ELSS mutual funds invest in equities and hence, Has the ability to generate higher inflation-adjusted returns over a longer timeframe. If you stay invested in ELSS for Long-term, it helps set off the short-term volatility associated with equities. Since these funds are managed by professionals, you need not worry about timing the market.

As we grow in life, saving for tax or planning for income tax deduction becomes an unavoidable exercise.

Government of India allows you to save tax under Section 80C, 80D, 80EE . You can claim tax deduction up to ₹ 1.5 lakh under Sec 80C, additionally you can save ₹ 25,000 ( ₹ 50,000 for senior citizens) under Section 80D and ₹ 50,000 under Section 80EE . As beginners we are introduced to tax saving options such as PPFs, Insurance, ULIPs and more.

Other than traditional investment options, you can consider investing in equity as an asset class with ELSS (Equity Linked Savings Scheme), which is an equity mutual fund with a 3-year lock-in.

Benefits 

Shortest

ELSS has lock- in period of 3 years which is the shortest when compared with other tax saving instruments under Section 80C. Tax-saving FDs have a 5 year lock-in & PPF has a 15 year maturity. Hence, ELSS allows you greater flexibility in the medium term.

Potentially higher returns

Since ELSS mutual funds invests in equity markets, returns generated through them are significantly higher than other tax saving instruments.

Better post-tax returns

Long term capital gains of up to Rs. 1 lakh a year from ELSS mutual funds are exempt from income tax and long-term capital gains above Rs. 1 lakh are taxed at 10%.

 Allows you to create wealth

Corpus generated out of ELSS investment can also be used to fulfil your financial goals. You can sync your ELSS investments to attain goals across life stages such as building a retirement kitty, saving for their child’s education, buying a car or making a down payment for their house.

Shortest

ELSS has lock- in period of 3 years which is the shortest when compared with other tax saving instruments under Section 80C. Tax-saving FDs have a 5 year lock-in & PPF has a 15 year maturity. Hence, ELSS allows you greater flexibility in the medium term.

ELSS Mutual Funds Scheme 

Scheme	Category	Dividend Date	Dividend (Rs/Unit)
ICICI Prudential Long Term Equity Fund (Tax Saving) - IDCW	ELSS	2021-06-10	0.7
ICICI Prudential Long Term Equity Fund (Tax Saving) - Direct Plan - IDCW	ELSS	2021-06-10	0.7
LIC MF Tax Plan - IDCW	ELSS	2021-03-26	0.25
LIC MF Tax Plan - Direct Plan - IDCW	ELSS	2021-03-26	0.25
ICICI Prudential Long Term Equity Fund (Tax Saving) - IDCW	ELSS	2021-03-15	0.7
ICICI Prudential Long Term Equity Fund (Tax Saving) - Direct Plan - IDCW	ELSS	2021-03-15	0.7
LIC MF Tax Plan - IDCW	ELSS	2020-12-30	0.25
LIC MF Tax Plan - Direct Plan - IDCW	ELSS	2020-12-30	0.25
ICICI Prudential Long Term Equity Fund (Tax Saving) - IDCW	ELSS	2020-12-02	0.7
ICICI Prudential Long Term Equity Fund (Tax Saving) - Direct Plan - IDCW	ELSS	2020-12-02	0.7
LIC MF Tax Plan - IDCW	ELSS	2020-09-30	0.25
LIC MF Tax Plan - Direct Plan - IDCW	ELSS	2020-09-30	0.25
ICICI Prudential Long Term Equity Fund (Tax Saving) - IDCW	ELSS	2020-09-10	0.5
ICICI Prudential Long Term Equity Fund (Tax Saving) - Direct Plan - IDCW	ELSS	2020-09-10	0.5
ICICI Prudential Long Term Equity Fund (Tax Saving) - IDCW	ELSS	2020-06-26	0.5
ICICI Prudential Long Term Equity Fund (Tax Saving) - Direct Plan - IDCW	ELSS	2020-06-26	0.5
LIC MF Tax Plan - IDCW	ELSS	2020-06-26	0.25
ICICI Prudential Long Term Equity Fund (Tax Saving) - IDCW	ELSS	2020-03-13	0.6198
ICICI Prudential Long Term Equity Fund (Tax Saving) - Direct Plan - IDCW	ELSS	2020-03-13	0.6198
SBI Long Term Equity Fund - Regular Plan - IDCW	ELSS	2020-03-06	3.0103894
SBI Long Term Equity Fund - Direct Plan - IDCW	ELSS	2020-03-06	3.8072572000000005
Axis Long Term Equity Fund - IDCW	ELSS	2020-01-28	1.8593581499999998
Axis Long Term Equity Fund - Direct Plan - IDCW	ELSS	2020-01-28	3.0103893700000004
LIC MF Tax Plan - IDCW	ELSS	2019-12-31	0.22135212000000004
LIC MF Tax Plan - Direct Plan - IDCW	ELSS	2019-12-31	0.22135212000000004

Category and AMC level dividend history is available for past 3 years. You can use search funtionality to search for individual scheme to get complete historic dividend list.