Section 80C Investment Planner
Plan your Section 80C investments to maximize the ₹1.5 Lakh deduction
About Section 80C Deduction Planner
The Section 80C Deduction Planner helps taxpayers maximize their tax savings under Section 80C of the Income Tax Act, which allows a maximum deduction of ₹1.5 lakh from gross total income. This section covers popular investment avenues like PPF, ELSS, NPS, life insurance premium, 5-year fixed deposits, Sukanya Samriddhi Yojana, NSC, and home loan principal repayment. Our planner shows the optimal allocation across different instruments to maximize returns while minimizing tax liability.
Section 80C is the most widely used tax-saving provision in India, yet many taxpayers fail to utilize the full ₹1.5 lakh limit effectively. The key is to choose investments that not only save tax but also generate good long-term returns. ELSS funds offer equity returns with the shortest lock-in of 3 years, while PPF provides risk-free returns with a 15-year tenure. Our planner helps you compare these options, allocate your investments wisely, and track your total 80C utilization for FY 2026-27.
Key Features
- Complete 80C investment planning with all eligible instruments
- Comparison of returns across PPF, ELSS, NPS, SSY, NSC, FD
- Optimal allocation strategy based on risk profile
- Lock-in period tracking and maturity calendar
- Combined 80C + 80CCC + 80CCD planning
Frequently Asked Questions
What is the Section 80C limit for FY 2026-27?
The maximum deduction under Section 80C for FY 2026-27 is ₹1.5 lakh. This combined limit covers Section 80C, 80CCC (pension plans), and 80CCD(1) (NPS employee contribution). Additionally, an extra ₹50,000 deduction is available under Section 80CCD(1B) exclusively for NPS contributions. This means the total deduction for NPS investors can go up to ₹2 lakh.
Which investments qualify under Section 80C?
Major Section 80C eligible investments include: PPF (15-year), ELSS mutual funds (3-year lock-in), NPS Tier 1, Life insurance premium, 5-year tax-saving FD, Sukanya Samriddhi Yojana, NSC (5-year), Senior Citizens Savings Scheme, Home loan principal repayment, Children's tuition fees, and Employee PF contribution (EPF). Each has different returns, lock-in periods, and risk profiles.
Is ELSS better than PPF for 80C investment?
ELSS and PPF serve different needs. ELSS invests in equity, offering potentially higher returns (12-15% historically) with a short 3-year lock-in but comes with market risk. PPF offers guaranteed 7.1% returns with a 15-year lock-in and is completely risk-free. For aggressive investors, ELSS is better for wealth creation; for conservative investors, PPF is ideal for safety. A balanced approach is often recommended — split between both.
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