Tax Planning
Best Tax Saving Investments Under Section 80C
Complete list of 80C options: ELSS, PPF, NPS, life insurance, EPF, NSC — compared by returns and lock-in.
7 min read
IPO
IPOFins Team
Finance Research & Data • June 2026
Best Tax Saving Options Under 80C
Section 80C allows ₹1,50,000 deduction from taxable income. Best options:
Top Picks
- ELSS — 12-18% returns, 3-year lock-in (shortest)
- PPF — 7.1% guaranteed, 15-year lock-in, tax-free returns
- NPS — 9-12% returns, extra ₹50K deduction under 80CCD(1B)
- EPF — 8.25%, auto-deducted from salary
Best Strategy
ELSS SIP of ₹12,500/month covers full ₹1.5L with highest growth potential and shortest lock-in.