ELSS Calculator
Equity Linked Saving Scheme — tax-saving mutual funds with 3-year lock-in. 80C deduction up to ₹1.5L, equity returns, shortest lock-in among 80C options.
🇮🇳All amounts in ₹ INR · India tax law · FY 2025–26
Inputs
Invested
₹15,00,000
Estimated gains
₹15,83,508
Annual tax saved (30% slab)
₹46,800
Future value
₹30,83,508
Why ELSS?
- Shortest lock-in (3 years) among Section 80C options. PPF locks 15y, NSC 5y, tax-saver FD 5y.
- Equity returns: historically 11–14% over 10y in India.
- LTCG: 12.5% above ₹1.25L/yr exemption.
- SIP eligible — each instalment locks for 3 years individually.
Authoritative sources
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