🏦 Section 80C Deduction Optimizer
FY 2025-26 (Old Regime) — See how much tax you save and what gap remains
⚠️
Disclaimer: Based on Budget 2025-26. Verify with a CA or incometax.gov.in before filing. Applicable only under Old Tax Regime.
Enter your gross salary minus ₹50,000 standard deduction (Old Regime)
80C Investments & Payments
Employee EPF Contribution
12% of basic salary deducted by employer
PPF — Public Provident Fund
7.1% p.a., 15-year lock-in, fully tax-free
ELSS Mutual Funds
3-year lock-in, market-linked returns
LIC / Life Insurance Premium
Premium paid for self, spouse, children
NSC — National Savings Certificate
7.7% p.a., 5-year lock-in
5-Year Tax-Saving Bank FD
~6.5–7% p.a., interest taxable
Home Loan Principal Repaid
Principal portion of EMI paid this year
Children's Tuition Fees
Up to 2 children, full-time education India
ULIP / Sukanya / SSY / Other
Other eligible 80C investments
Estimated Tax Saved via 80C
80C Used
80C Gap
Tax Slab
| Investment | Amount | Eligible |
|---|
Frequently Asked Questions
₹1,50,000 — unchanged. This is the combined ceiling for all 80C investments and payments (EPF, PPF, ELSS, LIC, NSC, home loan principal, tuition fees, etc.). Only Old Tax Regime taxpayers can claim this.
No. 80C deduction is not available if you opt for the New Tax Regime. Under the New Regime, you get a flat ₹75,000 standard deduction but no other Chapter VI-A deductions.
ELSS for potentially high returns (market-linked, 3-year lock-in). PPF for safe, guaranteed, tax-free returns (15-year). NSC for medium-term savings. Your EPF contribution already counts — many salaried employees fill 80C through EPF alone.
Yes, but the deduction is capped at ₹1,50,000. Investing more (e.g., ₹2L in ELSS) is allowed, but only ₹1.5L is deductible under 80C. The remaining LTCG on ELSS is taxed at 12.5% after ₹1.25L exemption.