{"id":12066,"date":"2022-06-03T14:42:53","date_gmt":"2022-06-03T09:12:53","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=12066"},"modified":"2022-09-30T11:02:46","modified_gmt":"2022-09-30T05:32:46","slug":"lock-in-period-of-elss-funds","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/","title":{"rendered":"A Complete Guide on the Lock-in Period of ELSS Funds"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d2f0e66ba6b\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><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><\/label><input  type=\"checkbox\" id=\"item-69d2f0e66ba6b\"><\/a><\/span><\/div>\n<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:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/#What_Are_ELSS_Funds\" title=\"What Are ELSS Funds?\">What Are ELSS Funds?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/#What_Is_a_Lock-in_Period_and_How_Does_It_Work_for_ELSS\" title=\"What Is a Lock-in Period, and How Does It Work for ELSS?\">What Is a Lock-in Period, and How Does It Work for ELSS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/#Why_Is_the_Lock-In_Period_for_ELSS_Investments_Important\" title=\"Why Is the Lock-In Period for ELSS Investments Important?\">Why Is the Lock-In Period for ELSS Investments Important?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/#Calculation_of_Lock-in_Period_for_ELSS\" title=\"Calculation of Lock-in Period for ELSS\">Calculation of Lock-in Period for ELSS<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/#For_lump_sum_investment\" title=\"For lump sum investment\">For lump sum investment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/#For_SIPs\" title=\"For SIPs\">For SIPs<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/#What_to_Do_after_the_Lock-in_Period_of_ELSS_Ends\" title=\"What to Do after the Lock-in Period of ELSS Ends?\">What to Do after the Lock-in Period of ELSS Ends?<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/#Review_the_funds_performance\" title=\"Review the fund&#8217;s performance\">Review the fund&#8217;s performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/#Decide_whether_to_stay_invested\" title=\"Decide whether to stay invested\">Decide whether to stay invested<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/#Redeem_your_investments\" title=\"Redeem your investments.\">Redeem your investments.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/#How_do_I_find_ELSS_funds_to_invest_in_Kuvera\" title=\"How do I find ELSS funds to invest in Kuvera?\">How do I find ELSS funds to invest in Kuvera?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/#Does_Kuvera_have_any_tax-saving_feature\" title=\"Does Kuvera have any tax-saving feature?\">Does Kuvera have any tax-saving feature?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/#What_taxes_are_applicable_on_capital_gains_earned_from_ELSS\" title=\"What taxes are applicable on capital gains earned from ELSS?\">What taxes are applicable on capital gains earned from ELSS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/#How_long_should_you_stay_invested_in_ELSS_funds\" title=\"How long should you stay invested in ELSS funds?\">How long should you stay invested in ELSS funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/#_How_do_investments_in_ELSS_compare_with_PPF\" title=\"\u00a0How do investments in ELSS compare with PPF?\">\u00a0How do investments in ELSS compare with PPF?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/#_Which_is_the_better_investment_method_-_SIP_or_lump_sum\" title=\"\u00a0Which is the better investment method \u2014 SIP or lump sum?\">\u00a0Which is the better investment method \u2014 SIP or lump sum?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/#_How_can_I_redeem_units_of_my_ELSS_investment\" title=\"\u00a0How can I redeem units of my ELSS investment?\">\u00a0How can I redeem units of my ELSS investment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">Equity Linked Savings Schemes (ELSS) are <a href=\"https:\/\/app.kuvera.in\/explore\/mf\/c\/all\">equity mutual funds<\/a> that offer certain tax benefits under Section 80C of the Income Tax Act. They are a popular choice among investors looking to save taxes as they provide high returns and have the shortest lock-in period among tax-saving instruments.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>In the following sections, we will cover the details of the lock-in period of ELSS.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\"><img loading=\"lazy\" class=\"size-large wp-image-13417 aligncenter\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg\" sizes=\"(max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-300x98.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-768x250.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022.jpg 1080w\" alt=\"Online Fixed Deposits on Kuvera\" width=\"640\" height=\"209\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_ELSS_Funds\"><\/span>What Are ELSS Funds?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/app.kuvera.in\/explore\/mf\/c\/all\/equity\/elss\">ELSS Mutual Funds<\/a> are open-ended mutual funds that invest at 80% of their total assets in stocks and equity-related instruments. These are the only mutual funds that offer any tax benefit. You can claim tax deductions of up to Rs. 1.5 lakh under Section 80C for investments in ELSS.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Returns from investments in ELSS are not guaranteed as these mutual funds primarily i<a href=\"https:\/\/app.kuvera.in\/explore\/stocks\/c\/all\">nvest in stocks<\/a>. The performance of ELSS funds depends on the market conditions. However, if you stay invested for an extended period, you are more likely to get the best returns. Most experts suggest that investors looking to allocate funds to ELSS should have a long-term investment horizon.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>These equity funds are a popular option for their dual benefits of tax savings and inflation-beating returns. Historically, they have earned double-digit returns on average over a long investment period. Moreover, as noted above, ELSS mutual funds have a lock-in period of three years, which is the lowest among tax-saving investments, such as PPF (15 years), NSC (5 years), and tax-saving FDs (5 years).<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">ELSS mutual funds invest in <a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\/equity\/large-cap-fund\">large cap funds<\/a> and mid-cap stocks to increase diversification. Few of these funds also have little exposure to fixed income instruments to mitigate portfolio risk. Note that there is no maximum investment limit for ELSS.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_Is_a_Lock-in_Period_and_How_Does_It_Work_for_ELSS\"><\/span>What Is a Lock-in Period, and How Does It Work for ELSS?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Various financial instruments like close-ended mutual funds, ELSS funds, hedge funds, tax-saving <a href=\"https:\/\/app.kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposit<\/a>, PPF, etc., come with lock-in periods. You cannot redeem or sell your investments during this period. However, once this period ends, you can sell your investments.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>Lock-in periods for mutual funds are not uncommon. All close-ended mutual funds come with a lock-in period extending from 3 to 5 years. Close-ended funds place restrictions on both the entry and exit of investments. This prevents investors from redeeming returns on a short-term basis to get high potential returns.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Open-ended mutual funds do not come with a lock-in period. Instead, most of these funds impose an exit load for redemption within a year. Equity Linked Saving Schemes are the only exception to this rule.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The lock-in period of ELSS funds is three years. Investors can redeem their investments only after this period, and there are no provisions for premature withdrawals. More Indians will be encouraged to invest in the country&#8217;s equity market.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The following are the lock-in periods of some investments u\/s 80C:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equity Linked Savings Scheme (ELSS): 3 years<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">National Savings Certificate (NSC): 5 years<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tax-saving Fixed Deposits (FDs): 5 years<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employees&#8217; Provident Fund (EPF): 5 years<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Public Provident Fund (PPF): 15 years<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sukanya Samriddhi Yojana (SSY): 21 years<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">National Pension Scheme (NPS): Till the investor turns 60 years\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_Is_the_Lock-In_Period_for_ELSS_Investments_Important\"><\/span>Why Is the Lock-In Period for ELSS Investments Important?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The following are some of the reasons why ELSS funds impose the lock-in period:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>To impart stability:<\/b> <span style=\"font-weight: 400;\">One of the main reasons for the <\/span>lock-in periods in mutual funds<span style=\"font-weight: 400;\"> like ELSS is to make it more stable. Excessive selling by many investors can cause liquidity issues for a fund, which would impact its performance. Moreover, frequent changes in the total investment can affect the fund&#8217;s equilibrium.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Offers more benefits for investors: <\/b><span style=\"font-weight: 400;\">The lock-in period for ELSS prevents investors from selling their units, which keeps the fund&#8217;s assets stable. This is also beneficial for investors as many tend to overreact to minor market corrections. A lock-in period ensures that investors cannot exit early. Accordingly, one can reap the benefits of long-term investment.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>To encourage more investments: <\/b><span style=\"font-weight: 400;\">The Government of India offers tax benefits for investing in specific instruments with lock-in periods like ELSS. ELSS was launched to promote more new investors to enter the stock market and stay invested long-term. More investments strengthen the economy of a country.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Calculation_of_Lock-in_Period_for_ELSS\"><\/span>Calculation of Lock-in Period for ELSS<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Here is how you can calculate the lock-in period for mutual funds with different investment modes.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"For_lump_sum_investment\"><\/span>For lump sum investment<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In a lump sum investment, you invest a large sum of money to purchase units of a mutual fund scheme. Investors with a high-risk tolerance and high investment amount can invest via the lump sum rote to benefit from market lows.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The lock-in period for a lump sum investment starts from the day of purchase. For example, if you purchase units of an ELSS on May 26, 2022, you can sell your investments after May 26, 2025.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"For_SIPs\"><\/span>For SIPs<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/kuvera.in\/blog\/sip-systematic-investment-plan-definition-types-benefits\/\">Systematic Investment Plans (SIP)<\/a> allow you to pump money into your preferred mutual fund at intervals of your choice (daily, monthly, or yearly). You can start investing in an ELSS with as little cash as Rs. 500 per month. Small investors can use SIPs to grow their wealth in a disciplined manner.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The lock-in period of ELSS investments is different for SIPs as you keep investing every week, month or year. In this case, the lock-in period is applicable from the date of purchase of every installment.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Let us say that you started a SIP of Rs. 4,000 per month in an ELSS on May 26, 2022. The following is a list of lock-in periods:<\/span><\/p>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td><b>Date of Each SIP Instalment<\/b><\/td>\n<td><b>Lock-in Period Ends on<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">May 26, 2022<\/span><\/td>\n<td><span style=\"font-weight: 400;\">May 26, 2025<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">June 26, 2022<\/span><\/td>\n<td><span style=\"font-weight: 400;\">June 26 ,2025<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">July 26, 2022<\/span><\/td>\n<td><span style=\"font-weight: 400;\">July 26,2025<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">August 26, 2022<\/span><\/td>\n<td><span style=\"font-weight: 400;\">August 26, 2025,<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">September 26, 2022,<\/span><\/td>\n<td><span style=\"font-weight: 400;\">September 26, 2025<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_to_Do_after_the_Lock-in_Period_of_ELSS_Ends\"><\/span>What to Do after the Lock-in Period of ELSS Ends?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Here are some of the things you can do when the lock-in period ends:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Review_the_funds_performance\"><\/span>Review the fund&#8217;s performance<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">ELSS investments not only help with saving taxes but also can offer long-term capital appreciation. However, many investors tend to forget this and invest in another ELSS for their tax benefit. You will want to avoid this, as you will not be able to get its full benefits.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Instead, you can consider continuing your investment for another few years. You can assess the fund&#8217;s historical risk-adjusted returns for the past 5-10 years. It is also good to compare its performance with funds in a similar category.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Decide_whether_to_stay_invested\"><\/span>Decide whether to stay invested<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>After the end of the lock-in period of the ELSS fund, you will want to decide if you wish to stay invested or not. If the fund has underperformed, try to find out its reasons.<\/p>\n<p><span style=\"font-weight: 400;\">If the market was under a bear phase, the fund manager could not have helped much. On the other hand, if they made the wrong calls, you will want to redeem your units and invest elsewhere.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Redeem_your_investments\"><\/span>Redeem your investments.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If your investment is performing well, it&#8217;s unnecessary to redeem it after the lock-in period. Although many people redeem their investments after three years, you should redeem them only if you encounter a real need like a medical emergency or a sudden travel plan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most experts advise investors to exit ELSS only when they are about to reach their financial goals or if the fund underperforms. You can also partially redeem your investment instead of entirely exiting it. There is no exit load applicable in this case.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Final Word<\/b><\/p>\n<p><a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\/equity\/elss\">Equity Linked Savings Schemes<\/a> are ideal for those looking for tax savings and creating wealth. You can use it to save up to Rs. 1,50,000 in taxes in a financial year while getting the chance to make the highest returns among similar investments. The lock-in period of ELSS is also the lowest among tax-saving investments, but you can stay invested for a longer period.<\/p>\n<p><span style=\"font-weight: 400;\">Start investing now in ELSS with <\/span><a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/save-taxes\"><span style=\"font-weight: 400;\">Kuvera<\/span><\/a><span style=\"font-weight: 400;\"> and select funds from various options after checking their performance history.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Frequently Asked Questions<\/b><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"How_do_I_find_ELSS_funds_to_invest_in_Kuvera\"><\/span>How do I find ELSS funds to invest in Kuvera?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">With Kuvera, you can save up to INR 46000 in taxes with ELSS fund investments. Go to the <\/span><a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/save-taxes\"><span style=\"font-weight: 400;\">Kuvera<\/span><\/a><span style=\"font-weight: 400;\"> website or app and select the option, \u2018Invest\u2019 from the menu. You can then select, the \u2018ELSS\u2019 option. A list of options will be displayed. You can select each ELSS fund and estimate its financials before deciding to invest.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Does_Kuvera_have_any_tax-saving_feature\"><\/span>Does Kuvera have any tax-saving feature?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Kuvera&#8217;s unique tax-saving feature is<\/span><a href=\"https:\/\/kuvera.in\/feature\/tax-harvesting\"><span style=\"font-weight: 400;\"> tax-harvesting<\/span><\/a><span style=\"font-weight: 400;\">. You can use this feature to realize a Long Term Capital Gain (LTCG) of up to INR 1 lakh each financial year without paying any taxes. Kuvera keeps track of your portfolio and recommends transactions as needed. You initiate the transactions. Our recommendation is to buy and sell the fund(s) on the same day so the NAV impact is minimized.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"What_taxes_are_applicable_on_capital_gains_earned_from_ELSS\"><\/span>What taxes are applicable on capital gains earned from ELSS?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Only <a href=\"https:\/\/kuvera.in\/blog\/everything-to-know-about-long-term-capital-gains-tax-on-shares\/\">long-term capital gains (LTCG)<\/a> tax is applicable on ELSS due to the three-year lock-in period. As their holding period exceeds 12 months, a 10% tax rate is applicable on LTCG above Rs. 1 lakh. Short-term capital gains (STCG) tax is not levied on ELSS.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"How_long_should_you_stay_invested_in_ELSS_funds\"><\/span>How long should you stay invested in ELSS funds?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Like any other equity investment, ELSS does not offer guaranteed returns as its performance depends entirely on that of the market. However, when you stay invested for a long period, you can get high returns as it mitigates market volatility. You might want to stay invested for 5 years or more to get the best returns.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"_How_do_investments_in_ELSS_compare_with_PPF\"><\/span>\u00a0How do investments in ELSS compare with PPF?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Public Provident Fund (PPF) is a safe investment scheme offered by the Central Government with a lock-in period of 15 years. On the other hand, ELSS has a much shorter lock-in period of 3 years.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">PPF investment falls under the EEE (exempt, exempt, exempt) category offering tax savings on the yearly contribution (u\/s 80C), interests, and proceeds on maturity. ELSS investments only offer tax deductions against the investment made during a financial year under Section 80C.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"_Which_is_the_better_investment_method_-_SIP_or_lump_sum\"><\/span>\u00a0Which is the better investment method \u2014 SIP or lump sum?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">SIP (Systematic Investment Plan) allows you to regularly invest as little as Rs. 500 in your chosen mutual fund. So, if you have small but regular sums for savings, you can invest via a SIP.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In contrast, lump-sum investments are suitable for those with a bulk amount to invest and are willing to deal with market-related risks. They are ideal when the market rates are low.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"_How_can_I_redeem_units_of_my_ELSS_investment\"><\/span>\u00a0How can I redeem units of my ELSS investment?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You can redeem units of an ELSS fund after completing the three-year lock-in period. To redeem the units, place a redemption request with the fund house. After your transaction is processed, you will receive the money at the prevailing NAV (Net Asset Value).\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Read more: <a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Watch\/hear on YouTube:<\/p>\n<p>&nbsp;<\/p>\n<p><iframe loading=\"lazy\" title=\"EPF, PPF and VPF | Tax Saving Investments for Guaranteed Returns\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/dbxbBR7it10?list=PLDSzQdT9nLmBFD2p94O5p2pZ4vEUR-Thz\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/app.kuvera.in\/\">Kuvera.in<\/a> to discover <a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\">Direct Plans<\/a> and <a href=\"https:\/\/app.kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a> and <a href=\"https:\/\/kuvera.in\/user\/login\">start investing today.<\/a><\/p>\n<p>#MutualFundSahiHai #KuveraSabseSahiHai!<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n\n<table id=\"tablepress-2103\" class=\"tablepress tablepress-id-2103\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\"><\/th><th class=\"column-2\">Top Asset Management Companies<\/th><th class=\"column-3\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/idfc\">IDFC Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/quant\">Quant Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/canara\">Canara Robeco Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/tata\">Tata Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/dsp\">DSP Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/uti\">UTI Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/whiteoak\">Whiteoak Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/motilal\">Motilal Oswal Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/mirae\">Mirae Asset Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/icici\">ICICI Prudential Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/hdfc\">HDFC Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/absl\">Aditya Birla Sunlife Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/barodabnpparibas\">Baroda BNP Paribas Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/invesco\">Invesco Mutual Funds<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/jm\">JM Financial Mutual Funds<\/a><\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/tata\">Tata Mutual Funds<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/nippon\">Nippon Mutual Funds<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/franklin\">Franklin Templeton Mutual Funds<\/a><\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/sundaram\">Sundaram Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/edelweiss\">Edelweiss Mutual Funds<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/l_t\">L&amp;T Mutual Funds<\/a><\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/axis\">Axis Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/kotak\">Kotak Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/lic\">LIC Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/dsp\">DSP Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/iifl\">IIFL Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/parag\">Parag Parikh Mutual Funds<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-2103 from cache -->\n","protected":false},"excerpt":{"rendered":"<p>Equity Linked Savings Schemes (ELSS) are equity mutual funds that offer certain tax benefits under Section 80C of the Income Tax Act. They are a popular choice among investors looking to save taxes as they provide high returns and have the shortest lock-in period among tax-saving instruments. &nbsp; In the following sections, we will cover [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":12067,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[72,99,822],"tags":[69,898,67,896,897],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>A Complete Guide on the Lock-in Period of ELSS Funds - Kuvera<\/title>\n<meta name=\"description\" content=\"The lock in period in ELSS funds means that, investor cannot redeem the amount until completing the predetermined period from the date of investment.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kuvera.in\/blog\/lock-in-period-of-elss-funds\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A Complete Guide on the Lock-in Period of ELSS Funds - 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