Aaj ke zamaane mein, financial investments sirf returns tak seemit nahi hain; log is baat par bhi dhyan dene lage hain ki unka paisa kaise aur kahan invest ho raha hai. Isi badalti soch ka ek hissa hai ESG funds.
Agar aap bhi apne investments ke zariye environment aur society ko support karna chahte hain, toh ESG funds ek accha option ho sakte hain. Is article mein hum samjhenge ESG funds kya hote hain, kaise kaam karte hain, aur India mein inme invest kaise karein.
ESG Funds Kya Hote Hain?
ESG funds aise mutual funds hote hain jo un companies mein invest karte hain jo apne Environmental, Social aur Governance factors par focus karti hain. Iska matlab yeh hai ki yeh funds un companies ko chun kar invest karte hain jo:
- Environmental Factors: Pollution control, renewable energy use, aur climate change mitigation par kaam karti hain.
- Social Factors: Employee welfare, community development, aur ethical labor practices ka dhyan rakhti hain.
- Governance Factors: Transparent business practices aur strong corporate governance ko ensure karti hain.
ESG Funds Mein Invest Karne Ke Benefits
- Responsible Investing: Aap apne investments ke zariye environment aur society ke liye positive impact create karte hain.
- Sustainable Growth: ESG-following companies generally long-term mein achhe returns deti hain, kyunki yeh risk management aur compliance mein strong hoti hain.
- Diversification: ESG funds diverse sectors aur industries mein invest karte hain, jo portfolio ko stable banata hai.
- Regulatory Support: India mein SEBI aur government ESG initiatives ko promote kar rahi hain, jo in funds ke growth ko accelerate karega.
India Mein ESG Funds Ka Market Overview
India mein ESG funds kaafi popular ho rahe hain. 2025 tak, ESG investing ka demand aur badhne ki umeed hai, kyunki retail aur institutional investors sustainable investing ki taraf ja rahe hain. SEBI ne bhi ESG compliance ko mandatory banane ke liye guidelines implement ki hain, jo investors ke liye transparent aur reliable options banata hai.
Kaise Karein ESG Funds Mein Invest?
ESG mein kaise invest karne ke tarike ko yaha per hamne step by step kar ke bataya hai.
1. Apne Goals Define Karein
Sabse pehle aapko apne financial goals define karne honge. Agar aap long-term wealth creation ke saath responsible investing karna chahte hain, toh ESG funds ek accha option hain.
2. Top ESG Funds Ki Research Karein
India mein kuch well-established ESG funds hain jo consistent performance de rahe hain. Aapko in funds ka past performance, expense ratio, aur portfolio composition evaluate karna chahiye.
Popular ESG Funds in India:
- SBI Magnum ESG Fund
- Axis ESG Equity Fund
- ICICI Prudential ESG Fund
- Kotak ESG Opportunities Fund
3. Risk Assessment Karein
Har fund ke returns aur risk factors ko samajhna zaruri hai. ESG funds mein invest karte waqt aapko apne risk appetite ka dhyan rakhna chahiye.
4. Investment Platform Ka Selection
Aap mutual fund platforms jaise Groww, Zerodha Coin, aur Paytm Money ke zariye ESG funds mein invest kar sakte hain. Alternatively, aap direct AMC (Asset Management Company) ke portal par bhi invest kar sakte hain.
5. Regular Monitoring
Investment karne ke baad aapko apne ESG funds ka regular monitoring karna chahiye. Funds ke NAV, market trends, aur portfolio ka review karte rahiye.
ESG Funds Mein Invest Karte Waqt Dhyan Denewali Baaten
- Long-term Perspective Rakhein: ESG funds ka primary focus long-term value creation par hota hai, isliye short-term returns par focus na karein.
- Expense Ratio Check Karein: ESG funds ka expense ratio compare karein kyunki yeh aapke overall returns ko impact kar sakta hai.
- Fund Manager Ka Experience: Fund manager ki expertise aur experience ko evaluate karein.
- Regulatory Compliance: Ensure karein ki fund SEBI ki guidelines ke mutabik operate kar raha ho.
ESG Funds Ke Risks
- Limited Options: India mein abhi ESG funds ke limited options available hain.
- High Expense Ratio: ESG funds ka expense ratio doosre mutual funds ke comparison mein thoda zyada hota hai.
- Market Volatility: Market conditions ka impact ESG funds par bhi hota hai, isliye risk factor ko samajhna zaruri hai.
ESG Funds Aur Traditional Mutual Funds Mein Difference
| Aspect | ESG Funds | Traditional Mutual Funds |
|---|---|---|
| Focus | Sustainable aur responsible investing | High returns aur market performance |
| Investment Criteria | Environmental, Social, Governance | Financial performance only |
| Expense Ratio | Relatively higher | Comparatively lower |
| Risk Management | Strong risk assessment | Moderate risk assessment |
Tax Benefits of ESG Funds
- ELSS (Equity Linked Savings Scheme): Agar aap ESG ELSS fund choose karte hain, toh aapko ₹1.5 lakh tak ka tax deduction milta hai under Section 80C.
- Long-Term Capital Gains (LTCG): ESG funds par 10% tax applicable hota hai, agar gains ₹1 lakh se zyada ho.
FAQs
1. ESG Funds Kya Hote Hain?
ESG funds aise mutual funds hote hain jo un companies mein invest karte hain jo environmental, social aur governance factors par focus karti hain.
2. India Mein Kaunse Top ESG Funds Hain?
SBI Magnum ESG Fund, Axis ESG Equity Fund, ICICI Prudential ESG Fund aur Kotak ESG Opportunities Fund kuch popular options hain.
3. Kya ESG Funds Safe Investment Hain?
ESG funds relatively safe hote hain kyunki yeh companies ke strong governance aur sustainability practices par focus karte hain. Lekin har investment ke saath risk hota hai.
4. ESG Funds Ke Returns Kitne Hote Hain?
Returns market conditions aur fund ki performance par depend karte hain. Average returns generally 10-15% ke beech ho sakte hain.
5. ESG Funds Mein Minimum Investment Kitna Hai?
Aap ₹500 se ₹1,000 tak SIP ke zariye ESG funds mein invest karna shuru kar sakte hain.
Conclusion
India mein ESG funds ek promising investment option hain jo aapko financial returns ke saath responsible investing ka bhi mauka dete hain. Agar aap environment aur society ke liye contribute karte hue apni wealth create karna chahte hain, toh ESG funds par zarur consider karein. Proper research aur planning ke saath, aap ESG funds ke zariye apne financial aur ethical goals achieve kar sakte hain.