Section 80C of the Income Tax Act allows deductions up to ₹1.5 Lakh per year, saving up to ₹46,800 in tax at 30% slab. Here's everything eligible under 80C for 2026.
| Investment / Payment | Returns | Lock-in |
|---|---|---|
| ELSS Mutual Funds | 12-15% (equity) | 3 years |
| PPF | 7.1% guaranteed | 15 years |
| EPF (employee share) | 8.15% guaranteed | Till retirement |
| NPS Tier 1 | 8-12% market-linked | Till age 60 |
| NSC | 7.7% | 5 years |
| Tax Saver FD | 7-7.5% | 5 years |
| Life Insurance premium | 4-6% (avoid) | 10-20 years |
| Home loan principal | N/A | NA |
| Children's tuition fee | N/A | NA |
| SSY (Sukanya Samriddhi) | 8.2% guaranteed | 21 years |
Salaried, 30% bracket, 25-35 years: Max EPF (auto) + ₹12,500/month ELSS SIP (₹1.5L/year). Done.
Salaried, 20% bracket, 35-45 years: EPF + ₹75K ELSS + ₹75K PPF (balance safety and returns).
Conservative, 20%+ bracket: EPF + PPF ₹1.5L (full guarantee, tax-free maturity).
Calculate your 80C savings: ELSS Calculator | PPF Calculator | Income Tax Calculator
Follow us for daily investment tips:
⚠️ This article is for educational purposes only. Not investment advice. Contact: teamsipcalculators.in@gmail.com