Maximise your ₹1.5 lakh Section 80C deduction and see exactly how much tax you'll save this year.
Section 80C80D Health24b Home LoanNPS 80CCD
🧾 Your Annual Income & Deductions
Section 80C Investments (Limit: ₹1,50,000)
80C Used: —Limit: ₹1,50,000
Other Deductions
Gross Taxable Income—
Total Deductions—
Net Taxable Income—
Tax Payable—
Tax Saved vs No Deductions—
Remaining 80C Room—
Approximate calculation. Surcharge, cess, and individual circumstances vary. New regime does not allow 80C, 80D, HRA, or 24b deductions. Consult a CA for exact tax planning.
Section 80C Instruments — Comparison
Instrument
Returns
Lock-in
Tax on Returns
Best For
ELSS Mutual Funds
12–15% (market-linked)
3 years
LTCG 10% above ₹1L
Wealth creation
PPF
7.1% (guaranteed)
15 years
Tax-free
Long-term, safe
EPF (Employee)
8.25% (2024-25)
Until retirement
Tax-free (5+ yrs)
Retirement
NSC
7.7%
5 years
Taxable
Safe, medium-term
Tax Saver FD
6.5–7.5%
5 years
Taxable
Capital safety
NPS (80CCD 1B)
8–10% (market-linked)
Until 60
Partially taxable
Retirement, extra ₹50K
SCSS (Senior)
8.2%
5 years
Taxable
Senior citizens
Frequently Asked Questions
Is 80C available in the new tax regime?
No. Section 80C, 80D, HRA exemption, Section 24b (home loan interest), and most other deductions are not available under the new tax regime (except NPS employer contribution under 80CCD(2)). The new regime offers lower slab rates in exchange for giving up deductions. Whether it benefits you depends on your total deductions.
What is the best 80C investment?
ELSS is generally the best for wealth creation — shortest lock-in (3 years) and highest return potential (12–15%). PPF is best for completely tax-free, risk-free long-term savings. EPF is mandatory and provides excellent returns. For most salaried Indians, EPF + ELSS exhausts most of the ₹1.5L limit efficiently.
Can I claim both 80C and 80D?
Yes — 80C (₹1.5L) and 80D (₹25,000 for self/family; additional ₹50,000 for senior citizen parents) are separate deductions that can both be claimed simultaneously under the old regime. 80CCD(1B) for NPS gives an additional ₹50,000 over and above 80C. Maximum combined deductions can be ₹2.5–3L+.
What is the last date to make 80C investments?
March 31st of the financial year. For FY 2025-26, investments must be made by March 31, 2026, to claim the deduction. PPF, ELSS, and LIC must be invested before this date. However, EPF contributions are automatically deducted throughout the year.