Tax-Saving Investment Comparison
Public Provident Fund (PPF)
Long-term savings with tax-free returns
| Lock-in Period | 15 years |
|---|---|
| Returns | 7.1% (current) Good |
| Risk | Very Low |
| Tax on Maturity | Tax Free |
| Best For | Risk-averse investors |
ELSS Funds
Equity-linked tax saving with shortest lock-in
| Lock-in Period | 3 years Best |
|---|---|
| Returns | 12-15% (historical) |
| Risk | Moderate to High |
| Tax on Maturity | LTCG tax >₹1L |
| Best For | Long-term wealth creation |
National Pension System
Retirement-focused tax savings
| Lock-in Period | Till retirement (60 yrs) |
|---|---|
| Returns | 9-12% (historical) |
| Risk | Depends on allocation |
| Tax on Maturity | 60% taxable |
| Additional Benefit | Extra ₹50k under 80CCD(1B) |
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Why Use Our Comparison Tables?
Unbiased Comparisons
We compare all options objectively without favoring any particular product or provider.
Updated Rates
All interest rates and returns are updated regularly to reflect current market conditions.
Tax Impact Analysis
Understand how each option affects your tax liability now and in the future.
Risk Assessment
Clear indicators of risk levels to match your risk appetite.
Tax-Saving Calculator
Calculate how much you can save with different tax-saving instruments.
Recommended Tax-Saving Options
| Option | Amount (₹) | Tax Saved (₹) | Potential Returns |
|---|
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