ELSS Calculator

Equity Linked Savings Scheme — Section 80C · 3-year lock-in

ELSS (Equity Linked Savings Scheme) funds offer tax deduction under Section 80C up to ₹1.5 lakh per year with the shortest lock-in period of 3 years among tax-saving instruments. Use this calculator to project your ELSS investment returns based on historical average returns.

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Value After 3 Years (Lock-in)
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Amount Invested
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Returns
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Tax Saved (80C)
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LTCG Tax (10% on gains >₹1.25L)
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Frequently Asked Questions

Investments in ELSS qualify for deduction under Section 80C up to ₹1.5 lakh per financial year. Long-term capital gains (LTCG) from ELSS above ₹1 lakh per year are taxed at 10% without indexation benefit — still more tax-efficient than most other investment options.

No. ELSS funds have a mandatory 3-year lock-in period. Each SIP instalment has its own 3-year lock-in starting from the date of that specific investment. After lock-in, there is no exit load.