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ELSS Calculator India 2025 - Equity Linked Savings Scheme

Calculate ELSS returns with tax benefits under Section 80C.

Tax Saving under 80C
3-Year Lock-in
Equity Returns
LTCG Tax Planning
Min: ₹500
₹500₹25,000
10 years
3 years30 years
13.4% p.a.
8%20%
Historical ELSS average: 13.2% p.a.

ELSS Investment Tips

Expert tips to maximize your ELSS returns and tax benefits

Tax Benefits Under 80C

Save up to ₹46,800 in taxes annually by investing ₹1.5 lakh in ELSS. Shortest lock-in period among all 80C investments at just 3 years.

Equity Market Exposure

ELSS funds invest primarily in equity markets, offering potential for higher returns compared to traditional tax-saving instruments like PPF or NSC.

3-Year Lock-in Period

Each investment has a 3-year lock-in period. For SIP, each installment has its own 3-year lock-in from the date of investment.

LTCG Tax Planning

Gains above ₹1 lakh per year are taxed at 12.5% after the lock-in period. Plan your withdrawals to optimize tax efficiency.

Withdrawal Rules & Conditions

Lock-in Period: 3 years

After Lock-in Period:

Redemption: Full or partial redemption allowed

Tax: LTCG tax at 12.5% on gains above ₹1 lakh per year

Process: Submit redemption request to fund house or distributor

Before Lock-in Period:

Redemption: Not allowed except in exceptional circumstances

Penalty: Exit load may apply

Exceptions: Death of investor, Critical illness

Eligibility & Documentation

Who Can Invest:

  • Indian residents and NRIs
  • Individuals, HUF, and corporate entities
  • Minors through guardians
  • Trusts and societies

Required Documents:

  • PAN Card (mandatory)
  • Aadhaar Card
  • Bank account proof
  • Address proof
  • Passport size photographs
  • KYC compliance

Investment Limits:

SIP Minimum: ₹500 per month

Lump Sum Minimum: ₹500 per transaction

Tax Benefit Limit: ₹1.5 lakh per financial year for tax benefit

Investment Limit: No upper limit for investment

ELSS Calculator - Frequently Asked Questions

Everything you need to know about personal loans

ELSS (Equity Linked Savings Scheme) is a type of mutual fund that invests primarily in equity markets and offers tax deduction under Section 80C. It has the shortest lock-in period of 3 years among all tax-saving investments. You can invest up to ₹1.5 lakh per year and claim tax deduction, while potentially earning higher returns through equity market exposure.

Need More Help?

Financial planning requires careful consideration of various factors. Consider consulting with a financial advisor for personalized advice based on your specific situation.

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