ELSS Calculator 2025-26: Returns & 80C Saving

📈 ELSS SIP Calculator

Monthly ELSS SIP Amount (₹)

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Investment Period 10 years

Expected Annual Return 12%

Income Tax Slab

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Total Invested

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Gains Earned

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Tax Saved (80C)

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LTCG Tax

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💰 ELSS Lump Sum Calculator

Lump Sum Investment (₹)

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Investment Period 5 years

Expected Annual Return 12%

Income Tax Slab

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after investment period

Total Invested

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Gains Earned

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Tax Saved (80C)

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LTCG Tax

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ELSS — Frequently Asked Questions

What is ELSS and how does it work?+

ELSS (Equity Linked Savings Scheme) is a tax-saving mutual fund investing primarily in equities. It qualifies for 80C deduction up to ₹1.5L/year. Minimum 3-year lock-in. Returns are market-linked — historically 12-15% CAGR over long periods.

What is the lock-in period for ELSS?+

3 years — the shortest among all 80C instruments. PPF is 15 years, tax-saver FD is 5 years. For SIP investments, each monthly installment has its own 3-year lock-in from its investment date.

What is LTCG tax on ELSS?+

ELSS gains are Long Term Capital Gains. LTCG up to ₹1 lakh/year is tax-free. Above ₹1 lakh taxed at 10% without indexation — far better than FD interest taxed at your full slab rate.

Is ELSS better than PPF?+

ELSS gives higher potential returns (12-15%) vs PPF (7.1%) with shorter lock-in (3 vs 15 years) but with market risk. PPF is risk-free and fully tax-free. Best: use PPF for safety + ELSS for growth together under 80C.

Can I invest in ELSS under new tax regime?+

80C deduction is not available under new tax regime. But you can still invest in ELSS as a regular equity mutual fund for market returns without the 80C deduction.

📊 ELSS vs Other 80C Options

ELSS Returns12–15% CAGR*

PPF Returns7.1%

NPS Returns9–12%*

FD (Tax Saver)6.5–7%

ELSS Lock-in3 years

PPF Lock-in15 years

Max 80C₹1,50,000/yr

💰 Tax Savings at 30% Slab

Max investment (80C)₹1,50,000

Tax saved (30% slab)₹46,800

Incl. 4% cessYes

📌 Related Calculators

SIP CalculatorCalculate →

PPF CalculatorCalculate →

NPS CalculatorCalculate →

Income TaxCalculate →

ELSS Calculator India 2025-26 — 80C Tax Saving & Mutual Fund Returns

ELSS is the only 80C investment that gives market-linked returns — historically 12–15% CAGR. Shortest lock-in of 3 years among all tax-saving options.

ELSS vs PPF vs NPS vs FD

Feature	ELSS	PPF	NPS	FD (Tax Saver)
Returns	12–15% CAGR*	7.1%	9–12%*	6.5–7%
Lock-in	3 years	15 years	Till 60	5 years
80C Benefit	Up to ₹1.5L	Up to ₹1.5L	Up to ₹1.5L	Up to ₹1.5L
Tax on Returns	10% LTCG above ₹1L	Tax-free	40% as annuity	Slab rate
Risk	Market risk	Zero	Market risk	Zero

How Much Tax Can You Save With ELSS?

5% slab — ₹7,500 tax saved on ₹1.5L investment
20% slab — ₹30,000 tax saved
30% slab — ₹46,800 tax saved (including 4% cess)
New regime — no 80C deduction, but ELSS still a valid equity investment

What is ELSS in simple terms?

ELSS is a mutual fund that invests in stocks and gives you a tax deduction under Section 80C. It has the shortest lock-in (3 years) among all tax-saving investments. You get market-linked returns — historically 12–15% CAGR.

ELSS in new tax regime — is it still worth it?

Under the new tax regime, 80C deduction is not available. But ELSS remains a strong equity mutual fund. You can invest without the 80C benefit and still earn 12–15% historical CAGR. LTCG tax of 10% above ₹1L/year applies.

ELSS Calculator India

ELSS Calculator India 2025-26 — 80C Tax Saving & Mutual Fund Returns

ELSS vs PPF vs NPS vs FD

How Much Tax Can You Save With ELSS?

Invest in ELSS & Save Tax with Zerodha