ELSS. Tax-saving.
Model an ELSS investment two ways at once — the equity corpus it builds over the 3-year lock-in, and the 80C tax it saves you every year.
Returns + tax saved, together
Pick SIP or lumpsum, set your amount and slab. We'll project the corpus over the 3-year lock-in and the 80C tax you save.
ELSS — returns and tax saving in one
ELSS (Equity Linked Savings Scheme) is an equity mutual fund with a 3-year lock-in that qualifies for Section 80C. You get equity-level return potential plus a tax deduction on up to ₹1.5L invested each year — the shortest lock-in of any 80C option.
Indian SaaS context: 80C deductions apply only under the old tax regime. A 30%-slab investor saving the full ₹1.5L under 80C cuts ₹45,000 off their tax bill while the money compounds in equity. Returns are market-linked and not guaranteed.
Frequently asked questions
Why is ELSS lock-in only 3 years?+
ELSS funds have the shortest lock-in of any 80C option — just 3 years, versus 5 for tax-saving FDs and 15 for PPF. Because they're equity, they also have the highest return potential among 80C instruments, though with market risk.
How much tax does ELSS save?+
Investments up to ₹1,50,000 a year qualify for 80C deduction. The tax saved equals that amount × your marginal slab rate — so a 30%-slab investor putting in ₹1.5L saves ₹45,000 of tax that year (old regime).
Does ELSS save tax under the new regime?+
No. Section 80C deductions, including ELSS, only apply under the old regime. If you've opted for the new regime, ELSS is still a fine equity investment but gives no tax deduction.
Need more than a calculation? Bryck Tax has the full answer.
Structured answers for GST, TDS, invoices and compliance — built for Indian businesses.