Tax-Saving Investments
If you file under the old tax regime, several investments reduce your taxable income. We explain the options and handle the paperwork.
Deductions earlier claimed under Section 80C of the Income-tax Act, 1961 continue under Section 123 of the Income-tax Act, 2025 (in force from 1 April 2026), with the combined limit of ₹1.5 lakh. These deductions are available only under the old tax regime; the new regime, which is the default, does not allow them.
Options include ELSS mutual funds (three-year lock-in), five-year tax-saver bank deposits, NSC, life insurance premiums and others. Each has a different lock-in, risk and liquidity profile. Please check your regime choice and consult your tax professional before investing for tax purposes.
What is included
- ELSS mutual fund investments
- Five-year tax-saver fixed deposits
- National Savings Certificate (NSC)
- Senior Citizens Savings Scheme
- Life and health insurance premiums
- Year-end investment proofs and statements
How it works
- Confirm your tax regime
Deductions apply only under the old regime. - Check existing investments
EPF, PPF, insurance and loan repayments may already use the limit. - Compare lock-ins and risk
ELSS, deposits and small savings behave very differently. - Invest before the deadline
Keep proofs ready for your employer or return filing.
Common questions
Which regime should I choose?
That depends on your income and deductions. Please consult a qualified tax professional; we can share product information only.
What is the lock-in for ELSS?
Three years from the date of each investment, including each SIP instalment.
Are returns from tax-saver FDs taxable?
Yes. Interest is taxable as per your slab.
Other services
Speak with us before you invest
Share what you are looking for and we will walk you through the options, documents and next steps. No charge for a conversation.
