Investments
ELSS Calculator
Equity Linked Savings Scheme — the only equity 80C product. 3-year lock-in (shortest among 80C), historical 12–15% returns. Saves up to ₹46,800 tax/year (30% slab).
Inputs
₹
₹500₹50.0 K
₹
₹0₹5.00 L
%
6%25%
yr
3 yr30 yr
3-year lock-in (shortest among 80C). LTCG over ₹1.25L/yr taxed at 12.5%.
Future value
₹30,83,508
Invested
₹15,00,000
Returns
₹15,83,508
Tax saved (80C, 30% slab)
₹4,50,000
Wealth growth
Equity ELSS — historical returns 12–15% over long periods
Why ELSS beats other 80C options
| Product | Lock-in | Return | Risk |
|---|---|---|---|
| ELSS | 3 years | 12–15% (equity) | High |
| PPF | 15 years | 7.1% tax-free | Zero |
| Tax-saver FD | 5 years | 6.5–7% taxable | Low |
| NSC | 5 years | 7.7% taxable | Zero |
ELSS has the shortest lock-in and the highest historical return. The trade-off is short-term volatility — you might see -25% in any year. Don't pick ELSS for goals less than 5 years away.
Tax treatment
- • 80C: ₹1.5L deduction (only old regime)
- • LTCG: 12.5% on gains above ₹1.25L/year (April 2024 onwards)
- • Note: New tax regime doesn't allow 80C — ELSS only saves tax in old regime