ELSS — Tax Saving Mutual Funds
About this product
Equity Linked Savings Schemes (ELSS) are equity mutual funds with a mandatory 3-year lock-in that qualify for tax deduction up to ₹1.5 lakh under Section 80C. They offer the shortest lock-in among all 80C instruments while providing equity-level returns.
Most 80C instruments lock your money for 5–15 years at fixed returns. ELSS locks in for just 3 years while giving you equity market exposure — historically 12–15% CAGR. It's the most efficient way to save tax and grow wealth simultaneously.
- Tax deduction up to ₹1.5 lakh under Section 80C
- Shortest 80C lock-in — only 3 years
- Equity market-linked returns (historically 12–15% CAGR)
- Available via SIP — staggered liquidity
- Long-term capital gains taxed at only 10% (above ₹1 lakh)
Salaried employees and business owners with taxable income above ₹5 lakh who want to maximise 80C deductions while building long-term equity wealth.
Choose what fits you
Lumpsum ELSS
Invest the full ₹1.5 lakh before March 31 for the current year's 80C deduction.
SIP ELSS
Monthly SIP — each instalment has its own 3-year lock-in, giving staggered liquidity.
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