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Tax-Saving Investments

ELSS schemes and other Section 80C eligible options, with statements ready at filing time.

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Tax-Saving Investments
Tax-Saving Investments

Tax-Saving Investments

ELSS schemes and other Section 80C eligible options, with lock-in dates tracked and statements ready when you file.

Under the old tax regime, Section 80C allows a deduction of up to ₹1.5 lakh a year across eligible instruments. Equity Linked Savings Schemes (ELSS) are the mutual fund route to that deduction, and they carry the shortest statutory lock-in among the 80C options — three years from the date of each investment.

The detail that catches people out is that the lock-in applies to every single instalment, not to the folio. A SIP started in April 2023 has units unlocking month by month through 2026. We keep that calendar so you never redeem units that are still locked, or leave unlocked units sitting unused.

What is covered

Included in this service

  • ELSS scheme selection across fund houses, in lumpsum or SIP form
  • Instalment-wise lock-in calendar so you know exactly what is free and when
  • Section 80C investment statement issued before the employer's proof deadline
  • Capital gains statement for redemptions, split between LTCG and STCG
  • Coordination with your tax professional where a return is being prepared
  • A reminder in January, not in March, so the choice is not rushed
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Before you invest for tax

  • Confirm you are on the old regime — the new regime does not allow most 80C deductions
  • Count what is already using the ₹1.5 lakh limit: EPF, term insurance premium, home loan principal, tuition fees
  • Invest only the balance, so you are not locking money away for a deduction you cannot claim
  • Treat the three-year lock-in as a minimum holding period, not a target exit date

What we provide at filing time

  • An investment statement showing amount, date and scheme for the financial year
  • A consolidated 80C position across the folios you hold with us
  • Capital gains workings for any redemption during the year
  • The scheme documents your tax professional may ask to see
Common questions

Asked often, answered plainly

They are different instruments with different risks. ELSS invests in equities, so the value moves with the market and there is no assurance of return; PPF and tax-saving deposits carry a stated rate. The shorter lock-in of ELSS is an advantage only if you can accept the volatility. We will set out the trade-off; the choice is yours.
Nothing happens automatically. Units become available for redemption after three years from their own investment date, and stay invested until you instruct otherwise. Many investors continue holding beyond the lock-in, which is perfectly acceptable.
No. Long-term capital gains on equity-oriented schemes are taxable beyond the exemption threshold in force for the year. Tax rules change; please confirm the current position with your tax professional.

Have a question about tax-saving investments?

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