Section 80C Tax Deduction 3-Year Shortest Lock-in

ELSS Calculator – Tax Saving Mutual Fund SIP

Plan your Equity Linked Savings Scheme (ELSS) investment. Calculate maturity corpus, wealth growth at 12–15% CAGR, and tax savings up to ₹46,800 under Section 80C.

Investment Details

Investment Mode

Monthly SIP One-time Lumpsum

Monthly Investment ₹12,500 /mo

₹

₹12,500/mo exactly exhausts the ₹1.5 Lakh 80C limit.

Expected Annual Return (% CAGR) 13.0% p.a.

Time Period (Min. 3 Years Lock-in) 5 Years

Years

Your Income Tax Bracket (Old Regime)

Expected Maturity Corpus

₹10,54,380

Total Invested

₹7,50,000

Capital Gains

₹3,04,380

Tax Saved (80C)

₹46,800/yr

3-Year Lock-in Arbitrage vs PPF (15Y) & Post-Tax Realization Sec 112A Tax Computed

Gross Returns

₹10,54,380

LTCG Tax (@12.5% > ₹1.25L)

-₹23,320

Net In-Hand Wealth

₹10,31,060

Even after paying 12.5% LTCG tax, ELSS at 13% CAGR yields a net surplus of over ₹1.4 Lakh compared to PPF (7.1% EEE) over 5 years.

Invested Capital vs Wealth Generated

Year-by-Year Growth & Lock-in Schedule

Year	Invested (₹)	Returns (₹)	Total Value (₹)	Status

What Makes ELSS the Best Section 80C Investment?

Equity Linked Savings Scheme (ELSS) mutual funds are equity-diversified mutual funds that qualify for tax deduction under Section 80C of the Income Tax Act up to ₹1,50,000 per financial year.

Shortest Lock-in (3 Years)

Compared to PPF (15 years), NSC (5 years), and Tax Saver FDs (5 years), ELSS has the shortest lock-in period of just 36 months from each investment date.

Inflation-Beating Returns

Because ELSS invests 80%+ in diversified Indian equities, top-quartile funds have historically delivered 12–15% CAGR over 5–10 year horizons, vastly outpacing fixed deposits.

LTCG Tax on Gains

Under Budget 2024–2026 rules, Long Term Capital Gains (LTCG) above ₹1.25 Lakh across equity funds in a financial year are taxed at a flat 12.5% without indexation.