Yeh kaise hota hai, kadam dar kadam
Shuruaat
Scheme A ka NAV ₹10 aur B ka ₹100 hai. Transaction ke badlaav pehle chhod dein. ₹1,000 se A ki 100 ya B ki 10 units milti hain. Ginti mein 10 guna farq hai. Log ise sasta hona samajhte hain. Filhaal scheme ke kharch aur exit load bhi chhode hain. Exit load tay samay ke andar scheme chhodne ka charge hai.
Aage kya hota hai
Dono 10% badhte hain. A ka NAV ₹11 aur B ka ₹110 hai. Dono holdings ₹1,100 ki hain. Alag unit ginti percentage return nahi badalti. Percentage paise par hai, uske baante hisso ki ginti par nahi.
Iska matlab — aur kya nahi
NAV ka level behtar investment nahi chunta. Yeh bhaag ke hisaab ka neeche waala number hai. Ek hi aadhaar ho to kai baatein mila sakte hain. Scheme kya khareed sakti hai aur asal mein kya rakhti hai. Risk aur tulna ka index. Samay-daayra. Units ka plan aur option. Aur kharch. Scheme ke kharch assets ghataate hain. Isliye NAV return mein pehle se hain. Dobara ghataane se hisaab galat hai. Kam kharch maayne rakh sakta hai, par scheme har vyakti ke liye sahi nahi banaata. Zyada pichhla return, behtar bhavishya ke bajaay alag risk bhi ho sakta hai.
Isse kya establish nahi hota
Dono taraf alag cheez ho to tulna sahi nahi. 1 scheme naam mein kai plans aur options ho sakte hain. Units seedhe ya distributor se, growth ya payout option mein milti hain. Kharch alag hain. Chhota naam holdings pehchaanne ko kaafi nahi. Payout NAV ki chaal bhi badalta hai. Payout ya withdrawal chhodkar 2 NAVs padhna nateeja galat batata hai. Saalana expense assets par saal bhar ki dar hai. Har mahine ki instalment se poora kaatne ka charge nahi. Aakaar dekhein. ₹1,00,000 ki holding par poore saal fixed 1% kharch ho aur baaki kuch na badle to lagbhag ₹1,000 hai. Yeh saalana kharch ka aakaar batata hai. Asal accrual, kharch ki seema, exit load aur tax scheme aur tareekh par hain. Us din ka laagu aankda scheme ke current documents aur SEBI aur AMFI ki investor jaankaari se dekhein.
Kya check karein
6Kya dono numbers wahi samay, plan aur option ke hain?
Kya NAV return mein scheme ke kharch pehle se hain? Kya kharch dobara ghataaya?
Kya payouts aur withdrawals gine ya sirf 2 NAV readings?
Kya exit load current sharton se padha hai ya yaad percentage se?
Kya apna tax alag nikaal rahe hain? /tools/capital-gains-calculator is kadam ko fund ke hisaab se alag rakhta hai.
Barabar rakam par percentage returns milaayein. Phir kharch aur payouts jaanchein.
Aam galtiyan
5₹10 NAV ko sasta aur ₹100 ko mehnga maanna. Yeh bhaag ka number hai, aisi rating nahi.
Har mahine ki instalment se saalana expense dar ghataana, jaise transaction charge ho.
NAV return mein pehle se shaamil scheme ke kharch dobara ghataana.
Maan lena ki NAV return mein aapka tax ya transaction ka load bhi kat gaya.
Samay, plan aur option milaaye bina 2 published returns milaana.
- Pehli zyada deti hai, kyunki 100 units 10 se zyada kamaati hain.
- Doosri ko rakhna zyada mehnga hai.
- Yahan sirf units ki ginti alag hai.
Answer dikhao
C. Yahan sirf units ki ginti alag hai.
Dono holdings ₹1,100 ki hain. Percentage badhat paise par hai, units ki ginti par nahi. Zyada units zyada cheez lagti hain, isliye pehla jawaab achha lagta hai. Wahi paisa chhote hisso mein hai. Kharch zaroori sawaal hai, par alag diya jaata hai. Unche ya neeche NAV se nahi padh sakte.
Aksar poochhe sawaal
3Kya ₹10 NAV ka fund ₹100 NAV se sasta hai?
Sirf is baat se nahi. Kam NAV par wahi paisa zyada units deta hai. Wahi percentage badhat se wahi value milti hai. Kharch scheme ke current documents ka alag aankda hai.
Kya saalana expense har monthly contribution se ghataayein?
Nahi. Yeh saal bhar assets par dar hai. Har instalment ka charge nahi. Iske kaafi kharch NAV mein pehle se hain. Kaise judte hain aur kya shaamil hai, asal disclosure mein padhein.
Kya NAV return mein mera har tax shaamil hai?
Nahi. Aapke transaction ka tax scheme ke NAV return se baahar hai. Nikalte samay laagu exit load bhi. Dono alag nikaalne hain.