Investment & Returns
7 min
ELSS vs 80C Options
Compare ELSS, PPF, Tax Saver FD under Section 80C with post-tax returns
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Compare ELSS, PPF, Tax Saver FD under Section 80C (₹1.5L limit). ELSS: 3-year lock-in, 10-15% returns, LTCG 12.5%. PPF: 15-year, 7.1%, tax-free (EEE). FD: 5-year, 6-7%, interest taxable. Choose based on risk appetite and horizon.
Monthly SIP/installment (max ₹12,500 to stay within ₹1.5L annual limit)
ELSS: Min 3 years | PPF: Min 15 years | FD: 5 years
Typical: 10-15%
Current: 7.1%
Typical: 6-7%
Old regime: 20% or 30% | New regime: 5%, 10%, 15%, 20%, 30%
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