Don't let Taxes Bite into your earnings

Save your tax

Last minute tax planning often leads to bad decisions. One that can lock up your
money for years or make your money grow at snail's pace.

How much you can save

Where to invest

Top tax saving schemes

Check how much you can save

` 1,50,000

Select your investment amount

Depending on your tax-slab, your savings under Sec 80

Rs 8,100

If you are in 5% Slab

Rs 30,900

If you are in 20% Slab

Rs 46,350

If you are in 30% Slab

Get Schemes to Invest

Save tax

Lowest lock-in period

Returns are linked to
stock market and are tax-free

Equity Linked Savings Schemes (ELSS) is a mutual fund investment that qualifies for deductions of up to ₹1.5 Lakh under Section 80C of the Income Tax Act. With a mandatory 3-year lock-in period, ELSS has the potential to earn higher returns than most other tax-saving options as most of the portfolio is invested in the stock market.

ELSS MF Schemes vs other Tax Saving Schemes

	ELSS	Tax-saving FD	ULIP	NSC	PPF	EPF
Lock-in period	3 years	5 years	5 years	5 years	15 years	Till retirement or termination of employment
Taxation aspect	LTCG tax @10% on gains > ₹1 Lakh (post 1 year)	Interest taxable as per your income tax slab	Maturity/claims tax-free (if premium < ₹2.5L & conditions met)	Interest taxable as per slab (compounded annually)	EEE: Investment, interest & maturity tax-free	EEE: Up to ₹1.5L contribution tax-free; interest & maturity tax-free (conditions apply)
Returns (p.a.)	Market-linked (12-15% historical avg.)#	6.5-7.5% (approx., taxable)	Market-linked (8-12% potential, with insurance costs)	7.7% (current, taxable)	7.1% (current, tax-free)	8.25% (FY 2023-24, tax-free up to limits)

	Lock-in period	Taxation aspect	Returns (p.a.)
ELSS	3 years	LTCG tax @10% on gains > ₹1 Lakh (post 1 year)	Market-linked (12-15% historical avg.)#
Tax-saving FD	5 years	Interest taxable as per your income tax slab	6.5-7.5% (approx., taxable)
ULIP	5 years	Maturity/claims tax-free (if premium < ₹2.5L & conditions met)	Market-linked (8-12% potential, with insurance costs)
NSC	5 years	Interest taxable as per slab (compounded annually)	7.7% (current, taxable)
PPF	15 years	EEE: Investment, interest & maturity tax-free	7.1% (current, tax-free)
EPF	Till retirement or termination of employment	EEE: Up to ₹1.5L contribution tax-free; interest & maturity tax-free (conditions apply)	8.25% (FY 2023-24, tax-free up to limits)

# Return in market linked ELSS have been very good since inception. you are advice to check our ELSS return table before investing.

ElSS fund list

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