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What is ELSS?

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We all want a financially secure future.. Yet we expect someone else to shape that future for us. SmarTomorrows is about taking responsibility for our financial future, by acting responsibly. It’s about thinking long term and longer term. It’s a good investment, made today.

SmarTomorrows is about investing a little money today with the aim to make it count for a lot more tomorrow. Imagine how wonderful it would be to be thirty five, with a lot of savings. To be able to splurge, when your son or daughter gets married. Or to be able to comfortably retire early.

This website will provide you with an insight on various investment concepts, to help you achieve your smart tomorrows. But it can only do so much.

Finally, it’s up to you. To dream a future that’s financially secure, by taking advantage of a financial scenario that’s full of promise.

This is your opportunity to build a smart tomorrow.
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Tools & Calculators

  • Goal Calculator

    The goal calculator can help you determine your financial goal and plot the best path to achieve it.

  • SIP Calculator

    Determines how much a Systematic Investment Plan would fetch you or how much you would need to invest to reach a certain goal.

  • INFLATION Calculator

    The inflation calculator gives a fair idea of how much things will cost in the future.


Knowledge Box

Investing is a long term process. The knowledge box is all about starting this process.Read our Mutual Fund Basics, articles and subscribe. Because investing really is simple. But it isn’t easy.

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    All the questions you ever had – answered.

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We always said investing in mutual funds was simple. But from time to time even the most advanced investors forget their mutual fund basics. What better way to remind yourself than a quiz?

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Check your investment knowledge

What is the advantage of investing in mutual funds?

  • Portfolio Diversification
  • Professional management
  • Return Potential
  • Investor Protection
  • All of the above

A mutual fund is a mechanism of pooling together the savings of a large number of small investors for collective investment. Some of the other advantages of investing in mutual funds include easy liquidity, tax benefits and a reduction in transaction costs.

Check your investment knowledge

Which of these can you invest in through mutual funds?

  • Equity markets
  • Debt markets
  • Gold
  • All of the above

Through a diversified investment portfolio, mutual funds allow you to invest your money in several investment categories such as Equity (stocks), Debt, and Commodities (Gold).

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What is SIP?

  • Withdrawing a certain amount at fixed intervals
  • Investing a certain amount at fixed intervals
  • Transferring a certain amount from one scheme to another

A Systematic Investment Plan (SIP) helps you invest your money at regular intervals of time over a defined timeframe into a fund of your choice.

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What is the price at which one buys or sells a mutual fund called?

  • Purchase price
  • NAV
  • Cost price
  • Selling price

The Net Asset Value (NAV) is the price or value of one unit of a fund. It is the rate at which a mutual fund is purchased or sold, and is determined by a number of factors such as current market scenario and the investor’s assets and liabilities.

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What are the main avenues of investment for an equity fund?

  • Government bonds
  • Shares
  • Cash
  • Bank FDs

An equity fund, also known as a stock fund, is a type of mutual fund that invests primarily in shares and is therefore considered to be a high risk investment.

Check your investment knowledge

What are the main avenues of investment for a debt fund?

  • Corporate bonds
  • Shares
  • Cash
  • Bank FDs

A debt fund, also known as a bond fund, is a type of mutual fund that invests in bonds and other debt securities, and is considered to be a medium – risk investment.

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A hybrid fund is a fund that invests in which of the following?

  • Only shares
  • Only bonds
  • In both shares and bonds

A hybrid fund, also known as a balanced fund, is a type of mutual fund that invests in a combination of both shares (equity) and bonds (debt).

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The lock in period for ELSS is which of the following?

  • 5 years
  • 15 years
  • 3 years
  • 7 years

Equity Linked Savings Schemes (ELSS) have a lock – in period of 3 years which means the investor cannot sell the units he has purchased from a particular mutual fund for 3 years from the date of purchase.

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Exit load is the load charged to an investor for:

  • Investing in a scheme
  • Managing the fund
  • Exiting the scheme before the mentioned interval

The load that the investor pays at the time of exit is called a back-end or exit load.

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Dividend reinvestment option of a scheme means?

  • Money invested will continue to remain invested
  • Investor will get a dividend payout
  • Declaring dividends to investors, but not paying it out & re-investing that amount into the same mutual fund for additional units.

The dividend reinvestment feature in a mutual fund allows the fund to declare a dividend to the investor and at the same time re – invest the dividend amount into the same fund to gain additional units. 


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Mutual fund investments are subject to market risks, read all scheme related documents carefully.