Old Tax Regime mein Section 80C sabse mahatvapurn (important) hissa hai. Iske tahat aap saal mein kul ₹1.5 Lakh tak ki deduction claim kar sakte hain.
Is ₹1.5 Lakh ki limit ko pura karne ke liye aapke paas niche diye gaye 10 bade options hain. Aap apni zaroorat aur risk ke hisab se inka mix (combination) chun sakte hain.
Section 80C: Tax Saving Schemes & Options
1. ELSS (Equity Linked Savings Scheme)
Ye tax-saving mutual funds hain.
- Return: Market-linked (12-15% tak ki ummeed).
- Lock-in: Sirf 3 saal (Sabse kam).
- Kiske liye: Jo log thoda risk lekar zyada return chahte hain.
2. PPF (Public Provident Fund)
Sarkari bharosemand scheme.
- Return: Fixed (Filhaal ~7.1%).
- Lock-in: 15 saal.
- Kiske liye: Long-term retirement planning ke liye. Iska interest aur maturity dono tax-free hote hain (EEE status).
3. EPF (Employee Provident Fund)
Salaried logo ki salary se jo PF kat-ta hai.
- Return: ~8.25% (Sarkari rate).
- Benefit: Aapka jo hissa kat-ta hai, wo automatically 80C mein count hota hai.
4. SSY (Sukanya Samriddhi Yojana)
Beti ke bhavishya ke liye sabse behtar scheme.
- Return: High fixed interest (~8.2%).
- Lock-in: Beti ke 21 saal hone tak.
- Benefit: Pura paisa aur byaj tax-free.
5. Tax-Saving FD (Fixed Deposit)
Bank ya Post Office mein 5 saal ki FD.
- Return: Fixed (Bank ke hisab se 6% – 7.5%).
- Lock-in: 5 saal.
- Dhyan dein: Iska byaj (interest) taxable hota hai.
6. NSC (National Savings Certificate)
Post office ki scheme.
- Return: Fixed (~7.7%).
- Lock-in: 5 saal.
- Benefit: Iska byaj har saal reinvest ho jata hai, jo khud 80C mein count hota hai.
7. Life Insurance Premium
Term insurance ya LIC ki kisi policy ka premium.
- Benefit: Pariwar ko suraksha bhi milti hai aur premium par tax chhoot bhi.
8. Home Loan Principal Repayment
Agar aapne home loan liya hai, toh uski EMI mein jo Principal (mool rashi) ka hissa hota hai, wo 80C mein aata hai.
9. Children’s Tuition Fees
Apne 2 bacchon ki school ya college ki sirf Tuition Fee (Development fee ya bus fee nahi) aap 80C mein claim kar sakte hain.
10. SCSS (Senior Citizen Savings Scheme)
60 saal se upar ke logo ke liye.
- Return: Sabse zyada fixed interest (~8.2%).
- Lock-in: 5 saal.
Ek Zaruri Salah (Pro Tip):
Zyadatar salaried logo ka ₹1.5 Lakh ka quota unke EPF, Bachon ki fees, aur Insurance se hi kafi had tak bhar jata hai. Isliye naya investment karne se pehle ye check karein ki aapka kitna quota baki hai.
Bilkul! Aapki website “ArthVeda” ke liye ye ek professional comparison table hai. Ye table 2026 ke latest trends aur rates ke hisab se hai, jo users ko ek hi nazar mein sahi faisla lene mein madad karegi.
Section 80C: Top Tax Saving Schemes Comparison (2026)
Is table ko aap apne blog ya website par “Quick Guide” ki tarah use kar sakte hain:
| Investment Scheme | Interest / Returns (Approx.) | Lock-in Period | Risk Level | Tax on Returns (Maturity) |
| ELSS (Mutual Funds) | 12% – 15% (Market) | 3 Years (Lowest) | High | Taxable (LTCG > ₹1.25L) |
| PPF (Sarkari) | 7.1% (Fixed) | 15 Years | Zero | Tax-Free (Exempt) |
| SSY (Beti ke liye) | 8.2% (Fixed) | 21 Years | Zero | Tax-Free (Exempt) |
| Tax-Saver FD | 6.5% – 7.5% | 5 Years | Low | Taxable (As per slab) |
| NSC (Post Office) | 7.7% | 5 Years | Zero | Taxable |
| EPF (Salaried) | 8.25% | Retirement tak | Zero | Tax-Free |
| NPS (Pension) | 9% – 11% | Up to 60 Years | Moderate | 60% Tax-Free |
ArthVeda Pro Tips (Aapke Blog ke liye):
- Liquidity (Paisa kab nikal sakte hain): Agar aapko jaldi paisa chahiye, toh ELSS best hai (sirf 3 saal). Agar aap retirement plan kar rahe hain, toh PPF/EPF best hain.
- Zero Tax on Maturity: Sirf PPF, SSY, aur EPF aisi schemes hain jahan maturity par milne wala pura paisa (Principal + Interest) tax-free hota hai.
- Risk vs Reward: * Safe Investors: PPF, NSC, ya Bank FD chunein.
- Wealth Builders: ELSS aur NPS chunein kyunki ye inflation (mehangai) ko piche chhodne ki shamta rakhte hain.
- Extra Benefit: Yaad rakhiye, NPS mein 80C ke ₹1.5 Lakh ke alawa ₹50,000 ka extra deduction (Section 80CCD(1B)) milta hai.