Equity-Linked Savings Schemes qualify for the §80C deduction (Old Regime only, ₹1.5 L cap). 3-year lock-in. Default return uses the AMFI 10-year ELSS category average.
₹12,00,000
₹3 L — ₹50 L
₹1,50,000
₹500 — ₹1,50,000 (§80C cap)
Tax regime
§80C deduction is only available under the Old Regime.
5 years
3 — 20 years (3-yr lock-in)
Tax saved this year
₹46,800
Marginal slab: 30%
Total invested
₹7,50,000
Over 5 years
Cumulative tax saved
₹2,34,000
Effective cost
₹5,16,000
Net outlay after tax savings
Maturity value
₹11,08,534
At 13.32% p.a.
Default return rate is the AMFI 10-year ELSS category average (13.32%). Tax slabs follow the Old Regime FY2025-26 (4% Health & Education Cess included).
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