Section 80C applies to the Old Tax Regime only. Tax bracket is auto-calculated from your CTC.
80C Investments
PPF
Max ₹1.5L/yr, 7.1% tax-free
ELSS Mutual Fund
3-yr lock-in, equity returns
LIC Premium
Life insurance premium
NSC
5-yr, 7.7%, post-office
SCSS
Senior citizens, 8.2%
Sukanya Samriddhi (SSY)
Girl child, 8.2%
Tax-Saver FD
5-yr lock-in, ~7%
Tuition Fees
Up to 2 children, tuition only (not hostel/transport), Indian institutions
Warning: Room to optimize
₹28,000 of your ₹1,50,000 80C limit is unused. Adding ELSS or PPF could save you more in tax.
•ELSS has the shortest lock-in (3 years) and gives equity returns — best for young investors
•PPF is risk-free at 7.1%, tax-free on maturity (EEE) — ideal for conservative investors
•Tuition fees (only tuition, not hostel/transport) for up to 2 children — no sub-limit, shares the ₹1.5L cap
💡 Invest ₹28,000 more → save ₹8,736 extra
Est. Tax Saved
81% of ₹1.5L utilized
Invested
₹1.2L
Claimable
₹1.2L
Tax Saved
₹38,064
Section 80C of the Income Tax Act allows individuals to claim a deduction of up to ₹1,50,000 per financial year on specified investments and expenses. This reduces your taxable income — the actual tax saved depends on your slab rate and cess.
Important: Section 80C deductions are only available under the Old Tax Regime. The New Tax Regime does not allow 80C deductions.
ELSS — shortest lock-in at 3 years, equity market returns, best for young investors.
PPF — 15-year lock-in, currently 7.1%, entirely tax-free (EEE status).
EPF — your employer deducts 12% of basic salary. Automatically counts toward 80C.
EPF contribution basis: Most companies calculate EPF at 12% of full basic salary. However, some employers cap EPF at the EPFO wage ceiling of ₹15,000/month (₹21,600/year). Check your salary slip or HR to confirm which applies to you.
Tax saved is an estimate: The tax saving shown is calculated at your marginal slab rate. Actual tax saved may differ if your income crosses a slab boundary, if Section 87A rebate applies, or if surcharge is applicable for income above ₹50L.
ELSS has the shortest lock-in (3 years) among 80C options — and delivers equity returns. Start with ELSS if you have no other equity exposure.
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