Explore investment options eligible for deduction under Section 80C, including Equity Linked Savings Schemes with a statutory three-year lock-in.
Under the old tax regime, Section 80C permits a deduction of up to ₹1,50,000 per financial year across eligible instruments. Equity Linked Savings Schemes are the only mutual fund category that qualifies, and they carry the shortest statutory lock-in among the common 80C options at three years from the date of each instalment.
This is the detail most investors miss. In a lump sum ELSS investment the whole amount unlocks three years later. In a monthly SIP, each instalment carries its own three-year lock-in, so the units bought in month twelve are free only in month forty-eight. We will map this out for you before you commit to a monthly structure.
The new tax regime offers lower slab rates but withdraws most deductions including 80C. Which regime leaves you better off depends on your income, your existing deductions and your house property position. We will share the comparison inputs; the computation and the filing decision should be confirmed with your tax professional.
Yes. Among mutual fund categories only Equity Linked Savings Schemes qualify for deduction under Section 80C.
The units become freely redeemable. There is no compulsion to redeem — many investors continue to hold.
No. Long-term capital gains on equity-oriented schemes above the prescribed annual threshold are taxable at the applicable rate.
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