{"id":14051,"date":"2022-07-27T11:52:15","date_gmt":"2022-07-27T06:22:15","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=14051"},"modified":"2022-07-27T11:52:15","modified_gmt":"2022-07-27T06:22:15","slug":"elss-meaning-lock-in-period-and-advantages","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/elss-meaning-lock-in-period-and-advantages\/","title":{"rendered":"ELSS &#8211; Meaning, Lock In Period And Advantages"},"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-69d28b951f534\" 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-69d28b951f534\"><\/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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/elss-meaning-lock-in-period-and-advantages\/#How_Do_ELSS_Mutual_Funds_Work\" title=\"How Do ELSS Mutual Funds Work?\">How Do ELSS Mutual Funds Work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/elss-meaning-lock-in-period-and-advantages\/#The_Advantages_of_ELSS_Mutual_Funds\" title=\"The Advantages of ELSS Mutual Funds\">The Advantages of ELSS Mutual Funds<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/elss-meaning-lock-in-period-and-advantages\/#Tax_Benefits\" title=\"Tax Benefits\">Tax Benefits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/elss-meaning-lock-in-period-and-advantages\/#Lump_Sum_or_SIP\" title=\"Lump Sum or SIP\">Lump Sum or SIP<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/elss-meaning-lock-in-period-and-advantages\/#Equity_Investment\" title=\"Equity Investment\">Equity 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\/elss-meaning-lock-in-period-and-advantages\/#High_Returns\" title=\"High Returns\">High Returns<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/elss-meaning-lock-in-period-and-advantages\/#Professional_Management\" title=\"Professional Management\">Professional Management<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/elss-meaning-lock-in-period-and-advantages\/#Lock-In_Period\" title=\"Lock-In Period\">Lock-In Period<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/elss-meaning-lock-in-period-and-advantages\/#Things_to_Consider_Before_Investing_in_ELSS_Funds\" title=\"Things to Consider Before Investing in ELSS Funds\">Things to Consider Before Investing in ELSS Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/elss-meaning-lock-in-period-and-advantages\/#The_Disadvantages_of_ELSS_Funds\" title=\"The Disadvantages of ELSS Funds\">The Disadvantages of ELSS Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/elss-meaning-lock-in-period-and-advantages\/#Tax_Benefits_of_ELSS_Funds\" title=\"Tax Benefits of ELSS Funds\">Tax Benefits of ELSS Funds<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/elss-meaning-lock-in-period-and-advantages\/#PPF_vs_ELSS\" title=\"PPF vs. ELSS\">PPF vs. ELSS<\/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\/elss-meaning-lock-in-period-and-advantages\/#Frequently_Asked_Questions_FAQs\" title=\"Frequently Asked Questions (FAQs)\">Frequently Asked Questions (FAQs)<\/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\/elss-meaning-lock-in-period-and-advantages\/#How_can_I_invest_in_ELSS_using_Kuvera\" title=\"How can I invest in ELSS using Kuvera?\">How can I invest in ELSS using Kuvera?<\/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\/elss-meaning-lock-in-period-and-advantages\/#Is_it_mandatory_to_stay_invested_or_withdraw_funds_even_after_the_expiry_of_the_lock-in_period\" title=\"Is it mandatory to stay invested or withdraw funds even after the expiry of the lock-in period?\">Is it mandatory to stay invested or withdraw funds even after the expiry of the lock-in period?<\/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\/elss-meaning-lock-in-period-and-advantages\/#Why_is_a_lock-in_period_imposed_on_ELSS\" title=\"Why is a lock-in period imposed on ELSS?\">Why is a lock-in period imposed on ELSS?<\/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\/elss-meaning-lock-in-period-and-advantages\/#Do_I_need_to_invest_in_a_lump_sum_for_an_ELSS_fund\" title=\"Do I need to invest in a lump sum for an ELSS fund?\">Do I need to invest in a lump sum for an ELSS fund?<\/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\/elss-meaning-lock-in-period-and-advantages\/#How_do_I_redeem_my_ELSS_before_3_years\" title=\"How do I redeem my ELSS before 3 years?\">How do I redeem my ELSS before 3 years?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/kuvera.in\/blog\/elss-meaning-lock-in-period-and-advantages\/#How_do_I_change_my_ELSS_before_3_years\" title=\"How do I change my ELSS before 3 years?\">How do I change my ELSS before 3 years?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/kuvera.in\/blog\/elss-meaning-lock-in-period-and-advantages\/#Can_I_withdraw_from_ELSS_funds_after_3_years\" title=\"Can I withdraw from ELSS funds after 3 years?\">Can I withdraw from ELSS funds after 3 years?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/kuvera.in\/blog\/elss-meaning-lock-in-period-and-advantages\/#What_are_the_advantages_of_investing_in_ELSS_funds\" title=\"What are the advantages of investing in ELSS funds?\">What are the advantages of investing in ELSS funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/kuvera.in\/blog\/elss-meaning-lock-in-period-and-advantages\/#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><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">An Equity Linked Savings Scheme, also known as ELSS, is a type of mutual fund scheme that primarily invests in equities and equity-related securities. Section 80C of the Income Tax Act allows for a tax deduction on ELSS mutual fund investments of up to Rs. 1.5 lakhs. The lock-in period for ELSS mutual funds is three years. For their investors, ELSS funds provide the dual benefits of capital appreciation and tax savings.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\"><img loading=\"lazy\" class=\"wp-image-13417 size-large 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=\"kuvera-fixed-deposit-online\" width=\"640\" height=\"209\" \/><\/a><\/p>\n<h3><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"How_Do_ELSS_Mutual_Funds_Work\"><\/span>How Do ELSS Mutual Funds Work?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">ELSS Funds are equity-diversified funds. The <a href=\"https:\/\/kuvera.in\/explore\/stocks\/c\/all\">stocks<\/a> are selected from across market capitalization (<a href=\"https:\/\/kuvera.in\/mutual-funds\/all\/equity\/large-cap-fund\">Large Caps<\/a>, <a href=\"https:\/\/kuvera.in\/mutual-funds\/all\/equity\/mid-cap-fund\">Mid Caps<\/a><\/span><span style=\"font-weight: 400;\">, <a href=\"https:\/\/kuvera.in\/mutual-funds\/all\/equity\/small-cap-fund\">Small Caps<\/a>) and industry sectors. These funds seek to maximize long-term capital appreciation. To deliver the best risk-adjusted portfolio returns, the fund manager picks stocks after thorough market research. Individuals and HUFs can invest in ELSS mutual funds to save on taxes under section 80C.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">There is a considerable amount of risk associated with ELSS mutual funds. This is due to the portfolio&#8217;s exposure to equities. Therefore, investors who understand the risk associated with the equity asset class are more suited for ELSS mutual funds. Investors should consider the long term while making ELSS investments. These tax-saving funds are managed by dedicated, qualified professionals.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Investors can diversify their portfolios with ELSS funds. ELSS funds have the shortest lock-in period of the options that are eligible for tax deductions under Section 80C of the Income Tax Act.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"The_Advantages_of_ELSS_Mutual_Funds\"><\/span>The Advantages of ELSS Mutual Funds<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"Tax_Benefits\"><\/span>Tax Benefits<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<h4><\/h4>\n<p><span style=\"font-weight: 400;\">ELSS is considered a good investment option because it offers tax benefits. Under Section 80C of the Income Tax Act of 1961, investments up to Rs. 1.5 lakh per year in ELSS are eligible for a tax deduction. You can invest any amount in ELSS, as there is no upper limit for investment. However, investments over Rs. 1.5 lakh are not eligible for tax benefits.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"Lump_Sum_or_SIP\"><\/span>Lump Sum or SIP<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">There are two ways to invest in ELSS. Investing with a SIP can be done on a monthly basis. With a SIP, you can invest as little as Rs. 500 each month in ELSS. Alternatively, if you have surplus funds, you can invest in ELSS with a single lump-sum payment.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"Equity_Investment\"><\/span>Equity Investment<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The ELSS allocated funds are invested in equities and equity-related securities in order to generate profits. Equity instruments are riskier than debt, <a href=\"https:\/\/kuvera.in\/mutual-funds\/all\/debt\/dynamic-bond\">bonds<\/a>, and other money market securities. Prior to investing in stocks, you should assess your risk tolerance. In the long run, equities offer better returns, but they can be volatile in the short term.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"High_Returns\"><\/span>High Returns<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Compared to other tax-saving options like PPF or NPS, top ELSS funds may offer better returns. These high returns are a result of the risk that fund houses undertake by investing in equities. Some top ELSS funds also invest in mid-cap companies. These funds can generate higher returns compared to funds that primarily invest in large-cap companies. However, the risk associated with these funds is higher than with other funds.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"Professional_Management\"><\/span>Professional Management<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">ELSS mutual funds are managed by professional fund managers. Compared to other tax-saving schemes, the expert advice provided by these managers helps investors to achieve higher returns. Therefore, even an investor with limited or no market knowledge might get the best returns by investing in ELSS mutual funds.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Lock-In_Period\"><\/span>Lock-In Period<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Usually, all tax-saving investment products have a lock-in period. For instance, Tax Saving Fixed Deposits and National Savings Certificates (NSC) both have a 5-year lock-in period. The Public Provident Fund (PPF)\u00a0 has a lock-in period of 15 years.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Comparatively, the ELSS category has the shortest lock-in period, requiring a minimum holding period of 3 years before redemption. It means you can\u2019t withdraw funds for three years. For instance, if you got 1000 units in an ELSS fund on January 1, 2021, you would have to wait for three years to redeem those 1000 units, i.e., on or after January 1, 2024.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Many investors are unclear about how SIPs, or Systematic Investment Plans, are handled under the ELSS category. When determining the 36-month holding period for SIPs, each transaction or installment must be treated separately.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Let&#8217;s understand the lock-in period of ELSS funds with the help of an example:\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Let&#8217;s assume that you want to invest Rs. 50,000 in ELSS\u00a0 funds in 2021. As discussed earlier, there are two options available:<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Method 1: Lumpsum Investment\u00a0<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Let&#8217;s say that on January 1, 2021, you invested\u00a0 Rs. 50,000 in an ELSS mutual fund. Let&#8217;s assume that your investment of Rs. 50,000 bought you 5000 units.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You now have a 3-year lock-in period for the 5000 units you purchased. You can redeem these 5000 units only after 3 years, i.e., on January 1, 2024, and can withdraw them at any time thereafter.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Method 2: Systematic Investment Plan (SIP)<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Let&#8217;s say you decided to invest the same Rs. 50,000 in 5 instalments of Rs. 10,000 each.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">1 April 2021: For Rs. 10,000, you purchased 1,000 units\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">1 May 2021: For Rs. 10,000, you purchased 800 units\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">1 June 2021: For Rs. 10,000, you purchased 1,100 units\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">1 July 2021: For Rs. 10,000, you purchased 1,200 units<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">1 August 2021: For Rs. 10,000, you purchased 900 units\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">5000 units in total were purchased.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Total investment &#8211; Rs. 50,000<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">When are these units eligible for withdrawal?<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Each installment is treated as a separate investment (even if it was made through a SIP) and is subject to a 3-year lock-in period.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Starting on April 1, 2024, only the first 1000 units will be eligible for withdrawal. The remaining 4,000 units cannot be redeemed because three years have not yet passed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your second, third, and fourth installments become available after 3 years are completed for each \u2013 on May 1, 2024, June 1, 2024,<\/span> <span style=\"font-weight: 400;\"> and July 1, 2024, respectively.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">All 5000 units will be available for withdrawal on August 1, 2024.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Things_to_Consider_Before_Investing_in_ELSS_Funds\"><\/span>Things to Consider Before Investing in ELSS Funds<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">It&#8217;s crucial to evaluate a mutual fund before making an investment. Below are a few pointers an investor can consider before investing in ELSS funds:\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fund Performance<\/b><span style=\"font-weight: 400;\">: Investors should start by looking at the fund&#8217;s performance. Both the current and past performance of the fund must be considered while evaluating its performance. It is also important to check the consistency of the fund. Investors must compare the fund&#8217;s performance with its competitors and benchmark it to know if it has shown consistent performance in the past.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>History of Fund House<\/b><span style=\"font-weight: 400;\">: Investors must examine the fund house, its management, and its years of experience. It is advised to choose fund houses that have performed consistently over a long period of time.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Expense ratio<\/b><span style=\"font-weight: 400;\">: The expense ratio shows how much of your investment goes towards managing the fund. Investors must ensure that the fund has a low expense ratio. The lower the expense ratio, the higher the return.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Taxation<\/b><span style=\"font-weight: 400;\">: Investors should understand the tax implications of redeeming their investments in the short and long term.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Financial Parameters<\/b><span style=\"font-weight: 400;\">: To analyze a fund&#8217;s performance, you can also consider several factors, including Standard Deviation, Sharpe Ratio, Alpha, and Beta.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fund Manager<\/b><span style=\"font-weight: 400;\">: Another factor to consider is the fund manager, as they play a crucial role in the management of your funds. The fund manager needs to be competent and experienced in selecting the best stocks for building a solid portfolio<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"The_Disadvantages_of_ELSS_Funds\"><\/span>The Disadvantages of ELSS Funds<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No Guaranteed Returns<\/b><span style=\"font-weight: 400;\">: As a market-linked product, ELSS returns are not guaranteed. Their performance is determined by several market-related factors. Investors cannot expect guaranteed returns from ELSS, unlike fixed-income products such as Public Provident Fund (PPF) and Bank Fixed Deposits.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lock-In Period<\/b><span style=\"font-weight: 400;\">: There is a 3-year lock-in period after investing in ELSS (whether in a lump sum or by SIP ).\u00a0 Investors who invest in Equity Linked Saving Scheme funds should know that they cannot opt out of ELSS mutual funds before the end of the lock-in period.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Limited benefits<\/b><span style=\"font-weight: 400;\">: Investors can only avail of tax benefits up to Rs. 1.5 lakhs even if they invest a surplus amount. Even if an investor invests Rs. 10 lakhs, they will get a tax benefit of Rs. 1.5 lakhs only.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Management Cost<\/b><span style=\"font-weight: 400;\">: Due to the fact that ELSS mutual funds are handled by professional fund managers, one must expect to pay a fee for their professional management.<\/span><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tax_Benefits_of_ELSS_Funds\"><\/span>Tax Benefits of ELSS Funds<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Under section 80C of the Income Tax Act 1961, investments in Equity Linked Saving Scheme <\/span><span style=\"font-weight: 400;\">funds qualify for tax exemption. A 10% Long-Term Capital Gains Tax (LTCG) was introduced on equity funds in April 2018. In an income tax calculation, capital gains from ELSS get the same treatment as the rest of the equity instruments. <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Long Term Capital Gains (LTCG) are subject to a tax of 10% if the gains exceed Rs. 1 lakh during the financial year, while Short Term Capital Gains (STCG) attract a tax of\u00a0 15%. The minimum lock-in period for investments in the Equity Linked Saving Scheme funds is three years. Thus, any profits generated from the sale of the units will be considered long-term capital gains, or LTCG.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"PPF_vs_ELSS\"><\/span>PPF vs. ELSS<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Both ELSS and Public Provident Fund (PPF) are eligible for tax savings under Section 80C of the Income Tax Act of 1961 of up to INR 1.5 lakhs. Since Equity Linked Saving Scheme invests in equity, it has higher volatility and, hence, greater returns. <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">PPFs have lower volatility and returns than <a href=\"https:\/\/kuvera.in\/mutual-funds\/all\/equity\/elss\">ELSS<\/a> funds. Public Provident Fund (PPF) investment is low risk because it is backed by the Government of India. The lock-in term for ELSS is three years, while it is fifteen years for the Public Provident Fund.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">If you need funds during the investment period, you can make a partial withdrawal from your PPF account. However, there are no partial withdrawals permitted for ELSS during the lock-in period. The minimal investment in PPF is Rs. 500 and the maximum is Rs. 1.5 lakhs for each financial year. There is no upper limit to investment with ELSS funds. With a SIP, you can invest as little as Rs. 500 each month in ELSS.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs\"><\/span>Frequently Asked Questions (FAQs)<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_ELSS_using_Kuvera\"><\/span>How can I invest in ELSS using Kuvera?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><b>Kuvera is the<\/b><span style=\"font-weight: 400;\"> one-stop solution for all your <\/span><b>investments<\/b><span style=\"font-weight: 400;\"> and financial goals.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Download the Kuvera app or visit the website.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Create your account on Kuvera by completing the mandatory KYC procedure. Once it is completed, select the \u2018Invest\u2019 option on the homepage, after which you can select \u2018<a href=\"https:\/\/kuvera.in\/explore\/all\">Mutual Funds<\/a>\u2019 and \u2018ELSS\u2019.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Go through the list of various ELSS schemes before you start investing.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Is_it_mandatory_to_stay_invested_or_withdraw_funds_even_after_the_expiry_of_the_lock-in_period\"><\/span>Is it mandatory to stay invested or withdraw funds even after the expiry of the lock-in period?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">No,\u00a0 it&#8217;s not mandatory to stay invested even after the time period of three years. ELSS funds have a lock-in period of 3 years. According to their risk profile, investors can stay invested in these funds for a\u00a0 longer period to get more benefits.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is not necessary to redeem your investment after the lock-in period. ELSS investments can offer long-term capital appreciation in addition to tax savings. You can extend your investment for a few more years. You can assess the fund&#8217;s historical risk-adjusted returns for the last few years. It is also beneficial to compare its performance to other funds belonging to the same category.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Why_is_a_lock-in_period_imposed_on_ELSS\"><\/span>Why is a lock-in period imposed on ELSS?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A lock-in period is imposed to make it mandatory for investors to gain more from equity investments and to maintain the stability of the fund.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Do_I_need_to_invest_in_a_lump_sum_for_an_ELSS_fund\"><\/span>Do I need to invest in a lump sum for an ELSS fund?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">There are two options available: Lumpsum and SIP. Since ELSS funds have a 3-year lock-in period, lump-sum investments cannot be withdrawn until 3 years after the first investment. Each SIP payment is also subject to the lock-in period.<\/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=\"How_do_I_redeem_my_ELSS_before_3_years\"><\/span>How do I redeem my ELSS before 3 years?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You cannot withdraw from your ELSS funds before the lock-in period.<\/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=\"How_do_I_change_my_ELSS_before_3_years\"><\/span>How do I change my ELSS before 3 years?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You cannot redeem or switch your ELSS investment before 3 years.<\/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=\"Can_I_withdraw_from_ELSS_funds_after_3_years\"><\/span>Can I withdraw from ELSS funds after 3 years?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Yes. After three years, the total amount of a lump-sum investment can be withdrawn. In the case of SIP investments, however, each investment must meet the 3-year lock-in period criteria.<\/span><\/p>\n<p><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"What_are_the_advantages_of_investing_in_ELSS_funds\"><\/span>What are the advantages of investing in ELSS funds?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">According to Section 80C of the Income Tax Act, a total investment of up to Rs. 1.5 Lakh can be deducted from the taxable income. Although you can choose to invest more than Rs. 1.5 lakh in ELSS, the tax exemption is only available for investments up to that amount.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Equity Linked Saving Scheme invests in equities, which have a better chance of generating higher returns.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tax saving schemes only have a 3-year lock-in term. This is shorter when compared to other tax-saving options.<\/span><\/li>\n<\/ul>\n<h4><\/h4>\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>Read more:\u00a0<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>Watch\/hear on YouTube:<\/p>\n<p>&nbsp;<\/p>\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/8uwn1YpSsFU\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><\/iframe><\/div>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit\u00a0<a href=\"https:\/\/app.kuvera.in\/\">Kuvera.in<\/a>\u00a0to discover\u00a0<a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\">Direct Plans<\/a>\u00a0and\u00a0<a href=\"https:\/\/app.kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a>\u00a0and\u00a0<a href=\"https:\/\/kuvera.in\/user\/login\">start investing today.<\/a><\/p>\n<p>#MutualFundSahiHai #KuveraSabseSahiHai!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>An Equity Linked Savings Scheme, also known as ELSS, is a type of mutual fund scheme that primarily invests in equities and equity-related securities. Section 80C of the Income Tax Act allows for a tax deduction on ELSS mutual fund investments of up to Rs. 1.5 lakhs. The lock-in period for ELSS mutual funds is [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/elss-meaning-lock-in-period-and-advantages\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":14053,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[72,99],"tags":[1030,69,989,211],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>ELSS &#8211; Meaning, Lock In Period And Advantages - Kuvera<\/title>\n<meta name=\"description\" content=\"ELSS funds provide the dual benefits of capital appreciation and tax savings and also allow for a tax deduction on ELSS mutual fund investments of up to Rs. 1.5 lakhs\" \/>\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\/elss-meaning-lock-in-period-and-advantages\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ELSS &#8211; 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