ELSS - Effective way of Tax planning & creation of Wealth

SBI Magnum Taxgain Scheme Tax saving FD PPF

Investment Investment Dividend/ Investment Investment Investment Investment Interest Rate
NAV (Rs.) Units Interest Rate
Dates Amount (Rs.) Bonus Dates Amount (Rs.) Dates Amount (Rs.)
Mar-93 1,50,000 10.00 15000.00 -- Mar-93 1,50,000 11.00% Mar-93 1,50,000 12%
Mar-94 1,50,000 14.28 10504.20 -- Mar-94 1,50,000 10.00% Mar-94 1,50,000 12%
Mar-95 1,50,000 13.85 10830.32 -- Mar-95 1,50,000 11.00% Mar-95 1,50,000 12%
31-Mar-95 -- 15.05 2414.25 10 -- -- -- -- -- --
Mar-96 1,50,000 10.43 14381.59 -- Mar-96 1,50,000 13.00% Mar-96 1,50,000 12%
31-Mar-96 -- 10.42 4079.11 8 -- -- -- -- -- --
Mar-97 1,50,000 9.20 16306.30 -- Mar-97 1,50,000 13.00% Mar-97 1,50,000 12%
Mar-98 1,50,000 10.11 14844.14 -- Mar-98 1,50,000 12.00% Mar-98 1,50,000 12%
Mar-99 1,50,000 16.10 9315.21 -- Mar-99 1,50,000 11.50% Mar-99 1,50,000 12%
15-Dec-99 -- 36.2324 6739.49 25 -- -- -- -- -- --
Mar-00 1,50,000 52.72 2845.48 -- Mar-00 1,50,000 10.50% Mar-00 1,50,000 From 01.04.1999 to 14.01.2000
- 12%, From 15.01.2000 to
31.03.2000 - 11%
Mar-01 1,50,000 14.34 10460.25 -- Mar-01 1,50,000 10.00% Mar-01 1,50,000 From 01.04.2000 to 28.02.2001
- 11%, From 01.03.2001 to
31.03.2001 - 9.5%
Mar-02 1,50,000 13.10 11450.38 -- Mar-02 1,50,000 8.50% Mar-02 1,50,000 From 01.04.2001 to 28.02.2002
- 9.5%, From 01.03.2002 to
31.03.2002 - 9%
Mar-03 1,50,000 10.67 14058.11 -- Mar-03 1,50,000 6.25% Mar-03 1,50,000 From 01.04.2002 to 28.02.2003
- 9%, From 01.03.2003 to
31.03.2003 - 8%
29-Sep-03 -- 17.23 12469.14 15 -- -- -- -- -- --
01-Jan-04 -- 25.89 9020.74 15 -- -- -- -- -- --
29-Mar-04 -- 22.03 11215.53 15 -- -- -- -- -- --
Mar-04 1,50,000 22.31 6723.44 -- Mar-04 1,50,000 5.50% Mar-04 1,50,000 8%
01-Nov-04 -- 26.48 18624.46 27 -- -- -- -- -- --
Mar-05 1,50,000 38.57 3889.03 -- Mar-05 1,50,000 6.25% Mar-05 1,50,000 8%
13-Jun-05 -- 37.18 56286.87 102 -- -- -- -- -- --
13-Mar-06 -- 44.37 88390.15 150 -- -- -- -- -- --
Mar-06 1,50,000 46.07 3255.91 -- Mar-06 1,50,000 7.00% Mar-06 1,50,000 8%
02-Mar-07 -- 42.55 91284.26 110 -- -- -- -- -- --
Mar-07 1,50,000 42.42 3536.07 -- Mar-07 1,50,000 9.50% Mar-07 1,50,000 8%
15-Feb-08 -- 47.78 103121.99 110 -- -- -- -- -- --
Mar-08 1,50,000 41.50 3614.46 -- Mar-08 1,50,000 8.75% Mar-08 1,50,000 8%
Mar-09 1,50,000 25.12 5971.34 -- Mar-09 1,50,000 8.50% Mar-09 1,50,000 8%
29-May-09 -- 34.66 45290.54 28 -- -- -- -- -- --
05-Mar-10 -- 38.79 62482.37 40 -- -- -- -- -- --
Mar-10 1,50,000 39.40 3807.11 -- Mar-10 1,50,000 7.50% Mar-10 1,50,000 8%
18-Mar-11 -- 34.26 78483.62 40 -- -- -- -- -- --
Mar-11 1,50,000 36.67 4090.54 -- Mar-11 1,50,000 8.75% Mar-11 1,50,000 8%
22-Mar-12 -- 31.52 83811.94 35 -- -- -- -- -- --
Mar-12 1,50,000 32.05 4680.19 -- Mar-12 1,50,000 9.25% Mar-12 1,50,000 From 01.04.2011 to 30.11.2011
- 8%, From 01.12.2011 to
31.03.2012 - 8.6%
28-Mar-13 -- 30.89 95554.71 35 -- -- -- -- -- --
Mar-13 1,50,000 30.88 4856.95 -- Mar-13 1,50,000 9.00% Mar-13 1,50,000 8.80%
28-Mar-14 -- 34.57 95546.15 35 -- -- -- -- -- --
Mar-14 1,50,000 34.65 4328.44 Mar-14 1,50,000 8.50% Mar-14 1,50,000 8.70%
27-Mar-15 -- 51.89 110609.54 55 -- -- -- -- -- --
Mar-15 1,50,000 45.61 3288.44 Mar-15 1,50,000 8.50% Mar-15 1,50,000 8.70%
11-Mar-16 -- 36.45 127011.22 40 -- -- -- -- -- --
Mar-16 1,50,000 37.79 3968.79 Mar-16 1,50,000 7.00% Mar-16 1,50,000 8.70%
Amount Invested: Rs. 36,00,000 Amount Invested: Rs. 36,00,000 Amount Invested: Rs. 36,00,000
Installment Amount: Rs 1,50,000 P.A Installment Amount: Rs 1,50,000 P.A Installment Amount: Rs 1,50,000 P.A
No Of Installments: 24 No Of Installments: 24 No Of Installments: 24
Total Units - 12,88,442.77
NAV as on 30 - Sep - 2016 = 43.4613 Fund Value (As on 30-Sep-2016): Rs. 1,17,15,290 Fund Value (As on 30-Sep-2016): Rs. 1,19,95,666
Fund Value(As on 30-Sep-2016): Rs 5,59,97,398
Return = 19.08% Return = 8.81% Return = 8.97%
Calculations is done for dividend option assuming dividend declared has been reivested at the prevailing NAV
Cumulative units given above has been adjusted for dividend reinvestment
Mutual Fund investment are subject to Market Risk. Past Performance is no guarantee of future results.
For FD, interest rates are for 5 year FD. It has been assumed that maturity value of the FD has been reinvested at the prevailing FD interest rates on 5 year rolling basis.
Deduction under section 80 C for FD has been strated from 2006 only.
Interest rate source: RBI & SBI

This is for internal circulation only.

Dividend Reinvested
Record Date % of dividend
31-Mar-95 10
31-Mar-96 8
15-Dec-99 25
29-Sep-03 15
01-Jan-04 15
29-Mar-04 15
01-Nov-04 27
13-Jun-05 102
13-Mar-06 150
02-Mar-07 110
15-Feb-08 110
29-May-09 28
05-Mar-10 40
18-Mar-11 40
22-Mar-12 35
28-Mar-13 35
28-Mar-14 35
27-Mar-15 55
11-Mar-16 40