80C / Chapter VI-A Investment Declaration
Declare your planned tax-saving investments and deductions to your employer at the start of the year so that TDS on salary is lower.
Law version: FY 2025-26 (Income-tax Act, 1961); Tax Year 2026-27 onwards (Income-tax Act, 2025). Checked on 26 Sep 2026.
What it is
Employers ask employees at the start of the year to declare the tax-saving investments and deductions they plan to claim, so that monthly TDS can be estimated. The common items are Section 80C (LIC, PPF, EPF, ELSS, tuition fees, home loan principal), 80D (health insurance), 80CCD(1B) (additional NPS), 80E (education loan interest), 80G (donations) and 80TTA (savings interest). From Tax Year 2026-27 these deductions are renumbered as Sections 123 to 153 of the Income-tax Act, 2025, and they are available only under the old tax regime.
When it is used
- Start of the year, when the employer asks for proposed investments.
- On joining a new employer.
- Before submitting final proofs in the last quarter.
What the template covers
- Employee name, PAN, ID, employer and year
- 80C items: LIC, EPF, PPF, ELSS, tuition fees, home loan principal, NSC, tax-saving FD, Sukanya Samriddhi
- 80D medical insurance for self and parents
- 80CCD(1B) NPS, 80E education loan interest
- 80G donations and 80TTA savings interest
- Place, date and signature
Details you will need
The generator asks for the following. Fields marked with an asterisk in the form are required; the rest can be left blank and filled in later in Word.
Employee
Employee Name; PAN; Employee ID; Employer (Company); Financial Year / Tax Year
80C Investments
LIC Premium (₹); EPF Employee Contribution (₹); PPF Contribution (₹); ELSS / Mutual Funds (₹); Tuition Fees Paid (₹, max 2 children); Home Loan Principal Repayment (₹); NSC / Tax Saving FD (₹); Sukanya Samriddhi (₹)
Other Sections
Sec 80D — medical insurance (₹); Sec 80D — parents' medical (₹); Sec 80CCD(1B) — NPS additional (max ₹50k); Sec 80E — education loan interest; Sec 80G — donations; Sec 80TTA — savings interest (max ₹10k)
Declaration
Place; Date
Stamp duty, registration and filing
The declaration is only a basis for estimating TDS. Actual proofs are submitted later, together with the statement of claims (Form 12BB for FY 2025-26, Form 124 from Tax Year 2026-27). The 80C family limit is ₹1.5 lakh and 80CCD(1B) adds up to ₹50,000. If you choose the new tax regime, these deductions are not allowed, apart from a few such as the employer's NPS contribution. Check the current limits and section numbers on incometax.gov.in.
These deductions are available only under the old tax regime. Section numbers follow the year chosen (80C becomes Section 123 from Tax Year 2026-27).
Generate the 80C / Chapter VI-A Investment Declaration
Fill in the form and download the draft as a Word file. It is a general template, not legal or professional advice; have it reviewed for your facts before you sign or rely on it.
Need this checked against your facts, or the registration or filing that follows (e.g. TDS returns, ITR)? Contact SKAG and Associates
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Frequently asked questions
Is the investment declaration binding?
No. It is an estimate. TDS is finally adjusted on the basis of proofs you submit, and any remaining claims can be made in your return.
What is the maximum deduction under 80C?
₹1.5 lakh a year in total for all eligible items, under the old tax regime.
Does EPF count towards 80C?
Yes, the employee's own EPF contribution counts towards the ₹1.5 lakh limit.
This page gives general information for reference only. Laws, stamp duty rates and filing requirements change and differ between States, so confirm the current position for your case. Related: all document templates · free tax calculators · compliance calendar and guides.