{"id":25605819,"date":"2025-03-16T15:22:01","date_gmt":"2025-03-16T09:52:01","guid":{"rendered":"https:\/\/entri.app\/blog\/?p=25605819"},"modified":"2026-01-23T14:23:27","modified_gmt":"2026-01-23T08:53:27","slug":"mf-vs-elss","status":"publish","type":"post","link":"https:\/\/entri.app\/blog\/mf-vs-elss\/","title":{"rendered":"What Is the Difference Between ELSS and Mutual Funds?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d3621fe804a\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d3621fe804a\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/entri.app\/blog\/mf-vs-elss\/#Introduction\" >Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/entri.app\/blog\/mf-vs-elss\/#What_Is_ELSS\" >What Is ELSS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/entri.app\/blog\/mf-vs-elss\/#What_Are_Mutual_Funds\" >What Are Mutual Funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/entri.app\/blog\/mf-vs-elss\/#ELSS_vs_Mutual_Funds\" >ELSS vs Mutual Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/entri.app\/blog\/mf-vs-elss\/#ELSS_vs_Regular_Mutual_Funds\" >ELSS vs Regular Mutual Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/entri.app\/blog\/mf-vs-elss\/#Advantages_of_ELSS\" >Advantages of ELSS<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/entri.app\/blog\/mf-vs-elss\/#When_to_Choose_ELSS\" >When to Choose ELSS<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/entri.app\/blog\/mf-vs-elss\/#When_to_Choose_Regular_Mutual_Funds\" >When to Choose Regular Mutual Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/entri.app\/blog\/mf-vs-elss\/#Risk_Factor_ELSS_vs_Regular_Mutual_Funds\" >Risk Factor: ELSS vs Regular Mutual Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/entri.app\/blog\/mf-vs-elss\/#Which_One_to_Choose\" >Which One to Choose<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/entri.app\/blog\/mf-vs-elss\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Investing in mutual funds has become the way to grow wealth and achieve financial goals. But within the mutual fund universe there are various categories to cater to different investment objectives. One such category is <strong>Equity Linked Savings Scheme (ELSS)<\/strong> which confuses investors who are also considering traditional mutual funds.<\/p>\n<p>Understanding the key differences between <strong>ELSS and mutual funds<\/strong> is important to make informed investment decisions. While both help in wealth creation ELSS has additional tax saving benefits. This article will provide a <strong>Detailed comparison<\/strong> between the two to help investors decide which one fits their financial goals better.<\/p>\n<p style=\"text-align: center;\"><strong><a href=\"https:\/\/entri.app\/course\/mutual-funds-course-in-kerala\/?utm_source=stock-marketing&amp;utm_medium=blog_referral&amp;utm_campaign=mutual-funds\" target=\"_blank\" rel=\"noopener\">Start securing your journey towards financial freedom with Entri\u2019s Mutual Fund Course<\/a><\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_ELSS\"><\/span><strong>What Is ELSS?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>An <strong>Equity Linked Savings Scheme (ELSS)<\/strong> is a type of mutual fund which primarily invests in equity and equity related instruments. The biggest advantage of ELSS is that it provides <strong>tax benefits under Section 80C<\/strong> of the Income Tax Act, making it a good investment option for tax saving purposes.<\/p>\n<h3><strong>Key Features of ELSS:<\/strong><\/h3>\n<ul>\n<li><strong>Tax Benefit<\/strong>: Investors can claim deduction up to <strong>\u20b91.5 lakh<\/strong> per year under Section 80C.<\/li>\n<li><strong>Lock-in Period<\/strong>: ELSS funds have <strong>3 year lock-in period<\/strong>, the shortest lock-in for tax saving investments.<\/li>\n<li><strong>High Growth Potential<\/strong>: Since ELSS funds invests in equities they offer <strong>higher returns<\/strong> compared to debt based tax saving options like PPF and FD.<\/li>\n<li><strong>Flexibility in Investment<\/strong>: Investors can opt for <strong>SIPs<\/strong> or lump sum investments as per their investment strategy.<\/li>\n<\/ul>\n<table>\n<tbody>\n<tr>\n<th colspan=\"2\">Related Articles<\/th>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/blog\/share-market-vs-mutual-fund\/\" target=\"_blank\" rel=\"noopener noreferrer\">Share Market and Mutual Fund &#8211; Which is Best?<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/blog\/basic-mutual-fund-terms\/\" target=\"_blank\" rel=\"noopener noreferrer\">Basic Mutual Fund Terms<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/blog\/mutual-funds-common-types-and-terminologies\/\" target=\"_blank\" rel=\"noopener noreferrer\">Mutual Funds: Common Types and Terminologies<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/blog\/open-ended-mutual-funds-and-closed-ended-mutual-funds-comparative-analysis\/\" target=\"_blank\" rel=\"noopener noreferrer\">Open Ended Mutual Funds and Closed Ended Mutual Funds \u2013 Comparative Analysis<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/blog\/performance-evaluation-of-mutual-funds\/\" target=\"_blank\" rel=\"noopener noreferrer\">Performance Evaluation of Mutual Funds<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/blog\/sip-calculator\/\" target=\"_blank\" rel=\"noopener noreferrer\">SIP Calculator<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/blog\/mutual-fund-vs-fixed-deposit\/\" target=\"_blank\" rel=\"noopener noreferrer\">Mutual funds vs Fixed Deposits: Which is better?<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/blog\/mutual-funds\/\" target=\"_blank\" rel=\"noopener noreferrer\">What is a Mutual Fund and How Does it Work? (Complete Guide)<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/blog\/sip-vs-lumpsum\/\" target=\"_blank\" rel=\"noopener noreferrer\">Sip or Lumpsum: Which Is Better?<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/blog\/how-to-choose-mutual-fund\/\" target=\"_blank\" rel=\"noopener noreferrer\">How to Choose the Right Mutual Funds to Invest for Beginners<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/blog\/best-mutual-fund-apps-to-invest\/\" target=\"_blank\" rel=\"noopener noreferrer\">Best Mutual Fund Apps for Investment in India<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/blog\/jio-blackrock-flexi-cap-fund\/\" target=\"_blank\" rel=\"noopener noreferrer\">Jio BlackRock Flexi Cap Fund NFO<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/blog\/how-much-of-your-salary-should-you-invest-in-mutual-funds\/\" target=\"_blank\" rel=\"noopener noreferrer\">How Much of Your Salary Should You Invest in Mutual Funds?<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/blog\/how-to-start-sip-in-groww\/\" target=\"_blank\" rel=\"noopener noreferrer\">How to Start SIP in Groww<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Mutual_Funds\"><\/span><strong>What Are Mutual Funds?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A <strong>mutual fund<\/strong> is a pooled investment vehicle where fund managers invest in a diversified portfolio of stocks, bonds or other securities. Mutual funds have different types of schemes to cater to different risk profiles and investment goals.<\/p>\n<h3><strong>Types of Mutual Funds:<\/strong><\/h3>\n<ol>\n<li><strong>Equity Mutual Funds<\/strong> &#8211; Invests mainly in stocks, suitable for long term wealth creation.<\/li>\n<li><strong>Debt Mutual Funds<\/strong> &#8211; Invests in bonds and fixed income securities, ideal for low risk investors.<\/li>\n<li><strong>Hybrid Mutual Funds<\/strong> &#8211; Mix of equity and debt for balanced risk and returns.<\/li>\n<li><strong>Index Funds<\/strong> &#8211; Passive funds which tracks a specific index like NIFTY 50.5.<\/li>\n<li><strong>ELSS Fund: <\/strong>A special type of equity mutual fund offering tax benefits under Section 80C.<\/li>\n<\/ol>\n<div class=\"epyt-video-wrapper\"><iframe loading=\"lazy\"  style=\"display: block; margin: 0px auto;\"  id=\"_ytid_12052\"  width=\"480\" height=\"270\"  data-origwidth=\"480\" data-origheight=\"270\"  data-relstop=\"1\" src=\"https:\/\/www.youtube.com\/embed\/qXHn0CZXhxQ?enablejsapi=1&#038;autoplay=0&#038;cc_load_policy=0&#038;cc_lang_pref=&#038;iv_load_policy=1&#038;loop=0&#038;rel=0&#038;fs=0&#038;playsinline=1&#038;autohide=2&#038;theme=dark&#038;color=red&#038;controls=1&#038;disablekb=0&#038;\" class=\"__youtube_prefs__  epyt-is-override  no-lazyload\" title=\"YouTube player\"  allow=\"fullscreen; accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen data-no-lazy=\"1\" data-skipgform_ajax_framebjll=\"\"><\/iframe><\/div>\n<h2><span class=\"ez-toc-section\" id=\"ELSS_vs_Mutual_Funds\"><\/span><strong>ELSS vs Mutual Funds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table data-pm-slice=\"3 3 []\">\n<tbody>\n<tr>\n<th>Feature<\/th>\n<th>ELSS (Equity Linked Savings Scheme)<\/th>\n<th>Regular Mutual Funds<\/th>\n<\/tr>\n<tr>\n<td><strong>Tax Benefit<\/strong><\/td>\n<td>Yes, up to <strong>\u20b91.5 lakh<\/strong> under Section 80C<\/td>\n<td>No tax benefits unless under specific schemes<\/td>\n<\/tr>\n<tr>\n<td><strong>Lock-in Period<\/strong><\/td>\n<td><strong>3 years<\/strong> (mandatory)<\/td>\n<td>No lock-in period for most funds (except close-ended funds)<\/td>\n<\/tr>\n<tr>\n<td><strong>Investment Type<\/strong><\/td>\n<td>Primarily <strong>equity-focused<\/strong><\/td>\n<td>Equity, debt, hybrid, and others<\/td>\n<\/tr>\n<tr>\n<td><strong>Risk Level<\/strong><\/td>\n<td>Higher risk due to stock market exposure<\/td>\n<td>Varies (low for debt, moderate for hybrid, high for equity)<\/td>\n<\/tr>\n<tr>\n<td><strong>Returns<\/strong><\/td>\n<td>Higher potential returns (subject to market performance)<\/td>\n<td>Varies based on the type of mutual fund<\/td>\n<\/tr>\n<tr>\n<td><strong>Liquidity<\/strong><\/td>\n<td>Restricted (funds locked for 3 years)<\/td>\n<td>High liquidity (except for close-ended funds)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"ELSS_vs_Regular_Mutual_Funds\"><\/span><strong>ELSS vs Regular Mutual Funds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2><span class=\"ez-toc-section\" id=\"Advantages_of_ELSS\"><\/span><strong>Advantages of ELSS<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li><strong>Tax Benefits<\/strong>: The biggest advantage of ELSS is the tax deduction under Section 80C. Regular mutual funds don\u2019t offer this benefit.<\/li>\n<li><strong>Forces Long-term Investment<\/strong>: The three-year lock-in period ensures that you <strong>stay invested for the long term<\/strong>, which is often necessary for equity markets to work in your favour.<\/li>\n<li><strong>Higher Returns<\/strong>: Since ELSS funds are equity based and have a longer investment horizon, they tend to <strong>outperform debt and hybrid mutual funds over time<\/strong>.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"When_to_Choose_ELSS\"><\/span><strong>When to Choose ELSS<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you want <strong>tax benefits along with wealth creation<\/strong>, ELSS is the way to go. It is ideal for:<\/p>\n<ul>\n<li>Salaried individuals <strong>saving tax under Section 80C<\/strong>.<\/li>\n<li>Long-term investors willing to <strong>accept short term volatility<\/strong> for higher growth.<\/li>\n<li>First time equity investors who want <strong>exposure to stock markets<\/strong> with a disciplined approach.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"When_to_Choose_Regular_Mutual_Funds\"><\/span><strong>When to Choose Regular Mutual Funds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Regular mutual funds are for investors who:<\/p>\n<ul>\n<li>Have different investment goals like <strong>wealth preservation, liquidity or steady income<\/strong>.<\/li>\n<li>Want <strong>flexibility to choose between equity, debt or hybrid funds<\/strong> based on risk appetite.<\/li>\n<li>Want to <strong>redeem investments anytime<\/strong> without any lock-in period.<\/li>\n<\/ul>\n<table width=\"468\">\n<tbody>\n<tr>\n<td colspan=\"2\"><strong>Gain Financial Literacy in your Mother Tongue<\/strong><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/course\/stock-market-course-in-malayalam\/\">Stock Market Course in Malayalam<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/course\/mutual-funds-course-in-kerala\/\">Mutual Funds Course in Malayalam<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/course\/stock-market-course-in-tamil\/\">Stock Market Course in Tamil<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/course\/mutual-funds-course-in-tamil\/\">Mutual Funds Course in Tamil<\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/entri.app\/course\/stock-market-course\/\">Stock Market Course<\/a><\/td>\n<td><a href=\"https:\/\/entri.app\/course\/mutual-funds-course\/\">Mutual Funds Course<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Risk_Factor_ELSS_vs_Regular_Mutual_Funds\"><\/span><strong>Risk Factor: ELSS vs Regular Mutual Funds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><strong>1. Market Volatility<\/strong><\/h3>\n<p>ELSS is entirely equity based, so it\u2019s prone to market fluctuations. Regular mutual funds offer <strong>low risk alternatives like debt and hybrid funds<\/strong> which are more stable.<\/p>\n<h3><strong>2. Exit Flexibility<\/strong><\/h3>\n<p>Regular mutual funds allow you to <strong>exit anytime<\/strong>, while ELSS has a <strong>3 year lock-in period<\/strong>, so you can\u2019t access your money during this time.<\/p>\n<h3><strong>3. Taxation<\/strong><\/h3>\n<ul>\n<li><strong>ELSS<\/strong>: Gains above \u20b91 lakh from ELSS are taxed at <strong>10% under LTCG (Long-Term Capital Gains)<\/strong>.<\/li>\n<li><strong>Regular Mutual Funds<\/strong>: Taxation depends on the type of mutual fund. Equity funds have same LTCG tax rates, debt funds are taxed based on indexation benefits.<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><strong><a href=\"https:\/\/entri.app\/blog\/sip-calculator\/\" target=\"_blank\" rel=\"noopener\">Check your SIP returns with Entri\u2019s SIP Calculator!<\/a><\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Which_One_to_Choose\"><\/span><strong>Which One to Choose<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The choice between ELSS and regular mutual funds depends on <strong>your financial goals<\/strong> and <strong>risk appetite<\/strong>.<\/p>\n<ul>\n<li>If <strong>saving tax<\/strong> is your priority, ELSS is the obvious choice.<\/li>\n<li>If <strong>liquidity and flexibility<\/strong> matters, regular mutual funds have more options.<\/li>\n<li>If <strong>long term wealth creation<\/strong> is the objective, both ELSS and equity mutual funds can work.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>ELSS and regular mutual funds serve different investment needs. ELSS gives you the <strong>benefit of dual purpose<\/strong> \u2013 tax savings and long term equity exposure, so it\u2019s ideal for tax conscious investors. Regular mutual funds give you <strong>multiple investment options<\/strong> with different risk levels, so you have flexibility and liquidity.<\/p>\n<p>Before investing, you need to evaluate your <strong>financial goals, risk appetite and tax saving goals<\/strong>. A well diversified portfolio can have <strong>both ELSS and other mutual funds<\/strong> to achieve maximum diversification and wealth creation.<\/p>\n<p>Now you know the differences, make <strong>informed decisions and maximize your investment<\/strong>. Happy investing!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Introduction Investing in mutual funds has become the way to grow wealth and achieve financial goals. But within the mutual fund universe there are various categories to cater to different investment objectives. One such category is Equity Linked Savings Scheme (ELSS) which confuses investors who are also considering traditional mutual funds. Understanding the key differences [&hellip;]<\/p>\n","protected":false},"author":69,"featured_media":25605820,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[802,1867],"tags":[],"class_list":["post-25605819","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-stock-marketing"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is the Difference Between ELSS and Mutual Funds? - Entri Blog<\/title>\n<meta name=\"description\" content=\"Discover the difference between ELSS and mutual funds. 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