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ELSS / Tax Saving Investment Calculator

Calculate returns from Equity Linked Savings Scheme (ELSS) with 3-year lock-in and tax savings.

From ₹100 to ₹5 Lakh per month

3-year lock-in required (minimum)

ELSS funds: Historical 12-15% returns

30% (Income above ₹5L - Slab)

💡 Tip: ELSS offers ₹1.5L 80C deduction + equity returns. 3-year lock-in. Long-term capital gains: 20%.

Disclaimer

This calculator provides estimates for informational purposes only. Please consult a qualified tax advisor or accountant for accurate calculations and tax planning. Pathak Associates is not liable for any errors or decisions made based on this calculator.

ELSS Tax Saving Investment Guide

Calculate returns and tax savings from Equity Linked Savings Scheme.

Tax Savings

₹1.5L annual deduction under Section 80C

Equity Returns

Potential 12-18% returns from equity market exposure

Lower Lock-in

Only 3-year lock-in vs 15 years for PPF or NPS

Pro Tips

  • Choose return assumption based on equity allocation
  • Historical ELSS returns: 12-15% per annum over 5+ years
  • Better for aggressive investors with lower tax bracket
  • Partial withdrawal allowed after 3 years

Important Notes

• ELSS lock-in: 3 years (lowest among 80C schemes)

• Tax: 20% LTCG (or 10% without indexation benefit)

• Diversified funds reduce volatility vs pure stocks

• SIPs help reduce timing risk in equity investments

• Direct funds have lower expense ratios

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