80C Deduction Planner
Plan investments to use the ₹1.5 lakh limit — track tax saved.
Plan your Section 80C (Schedule XV r/w Section 123 from TY 2026-27) investments (max ₹1.5 lakh) under the Old Tax Regime. Includes additional ₹50,000 under Section 80CCD(1B) (Section 124 from TY 2026-27) for NPS Tier-I (over and above 80C limit).
80C Investments (max ₹1.5L combined)
Section 80CCD(1B) - Additional (max ₹50K)
Deduction Summary
Total 80C investments₹ 0
80C eligible (max 1.5L)₹ 0
80C remaining limit₹ 1,50,000
80CCD(1B) NPS₹ 0
Total Deduction₹ 0
Tax Saved₹ 0
Tax savings shown assume your selected slab rate. Add 4% cess for actual saving.
80C Investment Options Compared
| Instrument | Lock-in | Returns | Risk |
|---|---|---|---|
| EPF (Employee Provident Fund) | Till retirement / 5 yrs | ~8.15% (notified annually) | Low |
| PPF (Public Provident Fund) | 15 years | ~7.1% (Govt notified quarterly) | Low |
| ELSS Mutual Funds | 3 years | Market-linked, 10-12% LT avg | High |
| Life Insurance Premium | Policy term | Varies by policy | Varies |
| NSC (National Savings Certificate) | 5 years | ~7.7% (Govt notified) | Low |
| 5-yr Tax-saving Bank FD | 5 years | ~6.5-7.5% | Low |
| Sukanya Samriddhi Yojana | Till girl turns 21 | ~8.2% (Govt notified) | Low |
| Tuition Fees (children, max 2) | NA | NA - expense | NA |
| Principal repayment - Home Loan | NA | NA - expense | NA |
| NPS Tier-I (additional 80CCD(1B)) | Till 60 | Market-linked | Low-Mod |
| Senior Citizen Savings Scheme (SCSS) | 5 years (extendable) | ~8.2% | Low |
Important note: This tool provides an indicative output only. It does not factor in every special provision, surcharge, exception, or recent notification. Verify with the firm before acting on any computation.