Hello everyone, I’ve been investing in ELSS and just crossed the 3 year lock-in period. I’m curious now that the lock-in is over, is the exit load completely zero for all funds in 2025 or do some funds still charge a fee?
I had the same question whether ELSS funds still carry an exit load after 3 years in 2025, here is what i learned.
ELSS Exit Load After 3 Years
ELSS (Equity Linked Savings Schemes) comes with a mandatory 3 years lock-in period. So, during this period you won’t be able to withdraw or redeem your money. After this lock-in period is completed, you are free to redeem your amount and the exit load is zero.
This is a uniform rule all over ELSS schemes in India.
After 3 years no penalty, exit fee or any hidden charges will be there when you redeem your amount.
Exit Load Rules for ELSS in 2025
| Redemption Timeline | Redemption Allowed | Exit Load | Important Notes |
|---|---|---|---|
| Within 1 year | Not allowed | NA | ELSS has a fixed 3-year lock-in |
| After 1 year | Not allowed | NA | Lock-in continues till 3 years |
| At exactly 3 years | Allowed | Zero | Redemption possible without exit fee |
| Beyond 3 years | Allowed anytime | Zero | Full or partial redemption permitted |
Points to know
- ELSS always has a fixed three-year lock-in.
- After three years exit load is zero across all funds.
- Investors can redeem fully or partially once the lock-in is complete.
- Tax on capital gains may still apply, but there is no exit charge.