Section 80C Tracker
Track your 80C investments and see how much more you need to invest to max the ₹1.5 lakh limit.
Tax saving includes 4% cess on income tax. Calculated under old tax regime where 80C deductions apply.
What qualifies under Section 80C
Section 80C allows a maximum deduction of ₹1.5 lakh per year from your taxable income. This limit is shared across all qualifying investments and expenses.
ELSS Mutual Funds — 3-year lock-in (shortest), potential for market-linked returns of 10–14% historically. PPF offers safe 7.1% tax-free returns.
PPF, NSC, Sukanya Samriddhi, 5-year tax-saver FD, and EPF are government-backed or fixed-return instruments ideal for risk-averse investors.
Tuition fees for up to 2 children (full-time education), home loan principal repayment, and LIC premiums also count toward the ₹1.5L limit.
Frequently asked questions
Is Section 80C available under the new tax regime?
No. Section 80C deductions (and most other deductions like 80D, HRA) are not available under the new tax regime. 80C is only beneficial if you opt for the old tax regime. Compare both regimes before choosing.
What is the 80CCD(1B) NPS benefit?
Over and above the ₹1.5 lakh 80C limit, you can invest up to ₹50,000 per year in NPS (National Pension Scheme) and claim an additional deduction under Section 80CCD(1B). This brings total potential deductions to ₹2 lakh.
Can I claim both EPF and PPF under 80C?
Yes, both qualify under 80C. Employee EPF contribution is automatically counted. PPF deposits are also eligible. However, the combined 80C limit remains ₹1.5 lakh — you cannot claim more even if total investments exceed this.
What is the lock-in period for different 80C instruments?
Lock-in periods vary: ELSS MF (3 years), NSC (5 years), 5-year tax-saver FD (5 years), PPF (15 years, partial withdrawal after 6), Sukanya Samriddhi (until girl child turns 21). EPF and LIC have their own maturity timelines.
Is Section 80D available under the new regime?
No. Like 80C, Section 80D (health insurance deduction) is also not available under the new tax regime. Under the old regime, you can claim up to ₹25,000 for self/family and an additional ₹25,000–₹50,000 for parents (₹50,000 if senior citizens).