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Calculate ELSS mutual fund returns with Section 80C tax savings. Compare ELSS vs PPF vs Tax-Saving FD. See how much tax you save under Old vs New regime and your effective post-tax returns.
Future Value
Invested
₹15.00 L
Returns
₹17.76 L
Tax Saved/yr
₹45,000
Post-Tax Value
₹30.70 L
Future Value
Invested
₹15.00 L
Returns
₹17.76 L
Tax Saved/yr
₹45,000
Post-Tax Value
₹30.70 L
ELSS mein ₹1.50 L/year invest karke ₹45,000 tax bachao (30% slab). 10 saal mein total ₹4.50 L tax saved!
Effective cost: ₹10.50 L (investment minus tax savings). Effective return: 212% — PPF se bahut zyada.
ELSS ka lock-in sirf 3 saal hai — PPF (15 saal) aur Tax FD (5 saal) se bahut kam. After 3 years, redeem karke fir se invest karein for next year's 80C.
Risk-free, tax-free returns
₹21.88 L
Lock-in: 15 years
Equity with tax benefit
₹32.76 L
Lock-in: 3 years only
Higher risk, no 80C
₹37.06 L
No lock-in, no tax saving
| Option | Returns | Lock-in | Risk | Value in 10Y |
|---|---|---|---|---|
| ELSS Mutual Fund | 12-16% | 3 years | High | ₹32.76 L |
| PPF | 7.1% | 15 years | Zero | ₹21.88 L |
| Tax-Saving FD | 7.5% | 5 years | Zero | ₹22.38 L |
* ELSS returns are market-linked and not guaranteed. PPF returns are government-guaranteed. FD returns are taxable yearly.
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