Tax saving

Save on tax today, invest for tomorrow.ELSS tax saving under Section 80C, with just a 3-year lock-in.

ELSS tax saving lets you claim up to ₹1.5 lakh a year under Section 80C, if you file under the old tax regime, while your money stays invested in equity. Its 3-year lock-in is the shortest among 80C options.

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Who ELSS suits

Taxpayers on the old regime

You already claim 80C items like PF, life insurance premium or home loan principal, and still have room left under ₹1.5 lakh.

Salaried people who submit tax proofs

Your employer asks for investment proofs before the year ends. A monthly ELSS SIP spreads the amount out, so there’s no March rush.

Long-term investors

You can stay invested for at least 3 years, ideally longer, and can live with the ups and downs of equity.

How it works with us

Check if ELSS helps you

We look at which tax regime you plan to use and what you already have under 80C. If you’re on the new regime, ELSS gives no deduction, and we tell you so plainly.

Choose and invest

We explain a few ELSS funds, help you invest by SIP or lumpsum, and share the statements you need as tax proof.

Track the lock-in

We keep track of when each instalment completes 3 years, then sit with you to decide whether to stay invested or use the money.

SIP calculator

SIP calculator for your monthly investment

Amount investedEst. returns
Amount invested–
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Year by year
YearInvestedValue

Illustration only, at the rates you choose. Mutual fund returns are market-linked and not guaranteed.

SIP calculator

Put in a monthly amount, a time period and an expected return to see what a SIP could grow to. The result is an estimate at the rate you choose; real mutual fund returns move with the market.

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What we do for you

  • Explain how 80C works and how much room you have left, in simple terms
  • Help you choose an ELSS fund that fits your risk comfort and time frame
  • Set up an ELSS SIP so you invest through the year, not only in March
  • Share account statements you can use as investment proof
  • Track the 3-year lock-in for every instalment
  • Remind you to confirm the tax side with your CA
Tax rules change. Check with your CA.

The 80C deduction is available only under the old tax regime; the new regime, now the default, does not allow it. Limits, rules and even section numbers can change with a budget or a new law. Please confirm your tax position with your CA before you invest to save tax.

ELSS vs PPF vs 5-year tax-saver FD

What to compareELSSPPFTax-saver FD
Lock-in3 years15 years; some withdrawals allowed from year 75 years
How returns workMarket-linked, can rise or fallInterest rate set by the government, reviewed every quarterFixed interest rate set by the bank
RiskHigher: equity market riskLow: government-backedLow
How you investSIP or lumpsumDeposits from ₹500 to ₹1.5 lakh a yearOne-time deposit
Tax on returnsGains may be taxed when you sellInterest is tax-freeInterest is taxable

For general understanding only, based on the rules as we understand them today. The 80C benefit applies only under the old tax regime. Read more in ELSS vs PPF.

FAQ

Common questions

What is ELSS tax saving?
ELSS (Equity Linked Savings Scheme) is a mutual fund that invests mostly in shares, at least 80%. Under the old tax regime, money you put in ELSS counts towards the Section 80C deduction of up to ₹1.5 lakh a year, a limit shared with other 80C items like PF and life insurance premium. It has a 3-year lock-in and market-linked returns.
Can I claim 80C if I use the new tax regime?
No. The new regime, which is now the default, does not allow the 80C deduction. ELSS can still work as a long-term equity investment, but it won’t reduce your tax. If you’re not sure which regime suits you, your CA can compare both for you.
How does the lock-in work if I invest through a SIP?
Each SIP instalment is locked for 3 years from its own date. So the instalment you invest in April 2026 can be withdrawn from April 2029, the May instalment from May 2029, and so on.
Is ELSS better than PPF?
They do different jobs. ELSS has a shorter lock-in and market-linked returns, with more ups and downs. PPF has a long lock-in and a rate set by the government. Many families use both. Read our comparison of ELSS vs PPF.
What happens when the 3-year lock-in ends?
Nothing happens on its own. Your units stay invested, and you can sell any time after that or keep them for a longer goal. We go through it with you and help you decide whether to stay, withdraw or switch.
When should I invest to claim ELSS tax saving for this year?
The investment must be made by 31 March to count for that financial year. Starting a monthly SIP in April spreads the amount out and avoids a last-minute rush. Use the SIP calculator to see how it can add up.

Keep exploring

Mutual funds and SIPInvest a fixed amount every month in funds chosen for your goal and risk.Try the calculatorSIP calculatorSee what a monthly SIP could grow to over the years.Retirement planningBuild a corpus while you earn, then turn it into a monthly income.How we work with you, step by stepFour simple steps, the same whether you’re starting a small SIP or sorting out your whole family’s money. You always know what’s happening, what it costs and who gets paid.5 min readELSS vs PPF: comparing two popular 80C tax saversBoth can cut your tax under the old regime. One is market-linked with a short lock-in; the other is government-backed with a long one.

Your next step

Plan your tax saving early this year

Tell us which tax regime you use and what you already invest under 80C. We’ll explain where ELSS fits, and you can confirm the tax side with your CA. Book a meeting, or ask us to call you.

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