Compare the three most popular tax-saving investment options under Section 80C. Find which suits your financial goals, risk appetite, and investment horizon.
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Book a free 15-minute consultation| Factor | ELSS | PPF | NPS |
|---|---|---|---|
| Lock-in Period | 3 years | 15 years | Till 60 years of age |
| Expected Returns | 12-15% p.a. (market-linked) | 7.1% p.a. (govt. fixed) | 9-12% p.a. (market-linked) |
| Risk Level | High (equity market risk) | Zero (govt. guaranteed) | Medium (mixed portfolio) |
| Tax on Maturity | LTCG: 10% above ₹1L | Tax-free (EEE) | 40% taxable at retirement |
| Liquidity | Can redeem after 3 years | Partial withdrawal after 7y | Locked till 60, 60% annuity |
| Minimum Investment | ₹500 per month | ₹500 per year | ₹500 per month (Tier-I) |
| Maximum Investment | No limit | ₹1.5 lakh per year | No limit |
| Additional Tax Benefit | Only 80C (₹1.5L) | Only 80C (₹1.5L) | 80C (₹1.5L) + 80CCD(1B) (₹50K) |
Higher growth potential, longer investment horizon can absorb volatility
70% ELSS + 20% NPS + 10% PPF
Balance between growth and stability, diversification across asset classes
50% ELSS + 40% NPS + 10% PPF
Capital protection important, nearing retirement with pension planning
20% ELSS + 40% NPS + 40% PPF
Total Investment: ₹15,00,000
₹32,93,839
Gain: ₹17,93,839
Total Investment: ₹15,00,000
₹21,75,234
Gain: ₹6,75,234
Total Investment: ₹15,00,000
₹27,81,172
Gain: ₹12,81,172
*Returns are illustrative and not guaranteed. ELSS returns are market-linked and can vary significantly. PPF rate is fixed by government and reviewed quarterly. NPS returns depend on chosen asset allocation.
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