Calculate tax savings under Section 80C and projected wealth creation from ELSS mutual funds.
ELSS vs PPF vs NSC — Why ELSS Wins for Wealth Creation
ELSS has the shortest lock-in (3 years) among all 80C instruments. With historical equity CAGR of 12–15% over 10+ year periods, ELSS typically creates 2–3× more wealth than PPF (7.1%) or NSC (7.7%) for the same investment. Tax saved immediately boosts your effective return. LTCG above ₹1.25 Lakh is taxed at 12.5% from FY2025-26.
Your Tax Profile
12%
10 yrs
📌 This calculator assumes Old Tax Regime. 80C deductions are not available under the New Tax Regime (default from FY2024-25). LTCG exemption: ₹1.25L/year (Finance Act 2024) — verify current limit at incometaxindia.gov.in. Consult your CA before choosing a regime.
🔒 Lock-in per installment: Each monthly SIP installment has its own independent 3-year lock-in. An installment made in Jan 2025 is free in Jan 2028 — but Dec 2025's installment is locked until Dec 2028. For a 5-year ELSS SIP, full redemption is only possible 3 years after the last installment (year 8).
🔒 Lock-in reality: Each monthly SIP installment has its own 3-year lock-in. The installment you invest in January 2025 is free in January 2028 — but the one you invest in December 2025 is locked until December 2028. You cannot redeem the entire corpus 3 years after starting. For a 10-year ELSS SIP, full redemption is only possible 3 years after the final installment (year 13).
Tax Saved This Year
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Year-wise Comparison: ELSS vs PPF
Tax Disclaimer: Tax calculations are illustrative under the Old Tax Regime. Tax laws change. LTCG rate is 12.5% on gains above ₹1.25L per year. Consult a qualified Chartered Accountant for advice specific to your situation. ARN-309076.
Eswari Guduru (ARN-309076) · Guduru Anantha Eswari Rajeswari · AMFI Registered Mutual Fund Distributor · Authorised Person — Kotak Securities Ltd (INZ000200137) · NSE AP AP0291573301 · Boduppal, Hyderabad 500092 · +91 79959 72796 · eswariguduru.com All projections are for illustration only. Returns not guaranteed. Constant assumed rates — actual MF returns fluctuate. Not investment advice. Not a SEBI Registered Investment Adviser. Read all scheme documents before investing. Tax calculations, where applicable, use FY2026-27 slabs — consult a CA for personal advice.
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