The document outlines five tax-saving instruments suitable for Indian investors: Equity Linked Savings Scheme (ELSS), Public Provident Fund (PPF), Term Insurance, Mediclaim Policy, and Tax Saving Fixed Deposits, each offering tax benefits and varying investment characteristics. It also emphasizes the importance of choosing tax-saving options that provide liquidity, low risk, and minimal erosion of principal. Additional information includes examples of top funds and policies under each category and a disclaimer regarding the investment advice provided.

1. 5Best Tax Saving Instruments

2. A perfect tax Saving scheme may not
give the best returns, but the Tax it
saves is enough to compensate for
the lesser returns
Return
Features of
Perfect Tax
Saving
Scheme
The returns on Tax saving products
should have minimum Tax
Tax Friendly
Should have lowest risk of principle
Erosion in Long term
Low Risk
Should be Considerably Liquid or
Loan can be taken against it
Liquid
Source- AdviseSure Research

3. Equity Linked Saving Scheme (ELSS)
are Tax Saving Mutual Funds which
invest in Equity Shares. They have a
lock-in period of 3 years
About
 Tax benefit under Section 80C of
Indian Tax Act
 High Returns of Equity
 Returns are also Tax free
Benefits
If Lump Sum – Rs. 5,000
If SIP – Rs. 500
Minimum
Investment
 Axis Long Term Equity Fund (G)
 ICICI Pru RIGHT Fund (G)
 SBI Tax Advantage Sr-2 (G)
Top 3 Funds
01 ELSS- Tax
Saving
Mutual
Fund
Source- AdviseSure Research

4. Public Provident Fund is a Tax Saving
scheme which provides tax savings
and decent returns on investment
About
02 PPF
 Investments upto Rs. 1.5 Lac are
Tax Exempt
 Loan and withdrawal option is
also available depending upon the
amount deposited
Benefits
Minimum Investment – Rs. 500
Maximum Investment – Rs. 1.5 LacInvestment
8.70% with effect from 1st April 2013
Interest Rate
Public
Provident
Fund
Source- AdviseSure Research

5. Term Insurance is life insurance,
which is only for covering financial
risk associated with the death of the
person and not for investments
About
 It helps protect your family
against uncertainties of life by
providing for their financial safety
 The premium amount is also very
low compared to other policies
 It also provides Tax benefit on the
premium paid
Benefits
Maximum amount allowed for Tax
deduction is premium of Rs. 1.5 Lac
Allowable
Amount
 HDFC Life Click 2 Protect Plus
 Bajaj Allianz – iSecure
 Bharti Axa Term Plan - eProtect
Top 3 Term
Insurance
03 Term
Insurance
Source- AdviseSure Research

6. Mediclaim policy that takes care of
hospitalization expenses by
reimbursing actual medical expenses
About
04 Mediclaim
Insurance
 Cost of a Mediclaim is 0.5-2% of
the total expenses that one would
incur incase one is hospitalized
 A deduction of Rs. 15,000 can be
claimed every year
Benefits
Minimum Amount – Rs. 2,000
Maximum Amount – Rs. 20,000
Allowable
Amount
 Star Family Health Optima
 Max Bupa Heartbeat Health Gold
 Apollo Munich Easy Health
Exclusive
Top 3 Medical
Insurance
Source- AdviseSure Research

7. A fixed deposit is an instrument
provided by banks which provides
investors with a rate of return which
is higher than a regular savings
About
 Long Term Saving
 Decent rate of Interest varying
from 8-9.5 from Banks to Banks
Benefits
Maximum Tax Exempt amount has
been increased to Rs. 1.5 Lac,
however one can invest more in an
FD every year
Investment
 Bharat Co-operative Bank (9.5%)
 Lakshmi Vilas Bank (9.25%)
 Andhra Bank (9.1%)
Top 3 Funds
05 Bank FD
Tax Saving
Fixed Deposit
Source- AdviseSure Research

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Customized advise only for you
Unlimited Long Term Investment Advise
Tax efficient portfolio design
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