All About Section 80C Tax

Deduction

PPF (Public Provident

Fund)
More About Scheme
Minimum Investment in a year
Maximum Investment in a year
Hidden Costs

Risk

Completely safe
No possibility of principle loss

Return

Taxation

PPF is a deposit scheme run by Central Government

Rs 500
Rs 150000
Nil

8.7%.Compounded yearly
Yearly, but can be withdrawn at maturity

Interest is tax free

No TDS
Only partial withdrawal is allowed, after 5 years.

Liquidity

Cant be closed before 15 years

Equity Linked Savings Schemes

(ELSS Mutual funds)
More About Scheme
Minimum Investment in a year
Maximum Investment in a year
Hidden Costs

Risk

There is market risk involved.

There is a possibility of capital loss.

Return

Average 14% in last 5 years of all ELSS industry

Return obtained is variable.

Taxation

Interest is tax free

No TDS on return

An ELSS is a diversified equity mutual fund.

Rs.1000
No limit(But the deductions are eligible till Rs.1,50,000)
Nil

There is lock-in period of 3 years.

Liquidity

Money cannot be withdrawn before 3 years.

Sukanya Samriddhi
Account
More About Scheme
Minimum Investment in a year
Maximum Investment in a year
Hidden Costs

It is a special account specially for the welfare of girl

child.
Rs.1000
Rs.1,50,000
Nil

Risk

It is a completely safe product

There is no probability of capital loss.

Return

Return obtained is fixed.

Return obtained is 9.1%.

Taxation

Interest is tax free

No TDS on return
There is lock-in period of 14 years.

Liquidity

Money cannot be withdrawn before 14 years.

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Employee Provident Fund

More About Scheme
Minimum Investment in a year
Maximum Investment in a year
Hidden Costs

Its provident fund deducted from employee by

employers in case of salaried person
As per employment terms
There is no limit
Nil

Risk

It is a completely safe product

There is no probability of capital loss.

Return

Return obtained is fixed.

Return obtained is 8.5%

Taxation

Interest is tax free if not withdrawn before 5 years.

No TDS on return
One has to retire or resign for the provident fund

Liquidity

One cannot withdraw money before resignation or

retirement.

Life Insurance Policy

More About Scheme

Minimum Investment in a year

Maximum Investment in a year
Hidden Costs
Risk

Return

Taxation

Life insurance policies like Endowment policies, term

insurance policies etc.
Varies among Insurance companies
The maximum tax deduction up to Rs.1,50,000.(The
premium is tax deductible if less than 10% of the Sum
Insured)
Lot of hidden costs like commissions and expenses
It is a completely safe product
There is no probability of capital loss.
Return depends on the market

Returns are taxable

No TDS

National Savings Schemes

More About Scheme
Minimum Investment in a year
Maximum Investment in a year
Hidden Costs

NSC is a government bond having maturity period of 6

years or 10 years.
Rs.1000.
There is no upper limit(However deduction only up to
Rs.1,50,000)
Nil

Risk

It is a completely safe product

There is no probability of capital loss.

Return

Return obtained is fixed.

Return obtained is 8.8% for 10 years and 8.5% for 6 year

Taxation

Interest is taxable
No TDS on return

Liquidity

No withdrawal can be made before 6 years or 10 years

as per the scheme selected.

TAX saving Fixed Deposit

More About Scheme
Minimum Investment in a year
Maximum Investment in a year
Hidden Costs

Risk

Completely safe
No possibility of principle loss

Return

7%-8%.Compounded yearly- varies among banks

Taxation

Interest is taxed.
No TDS

These deposits are similar to the bank deposits

Rs 100
Rs 150000
Nil

There is a lock-in period of 5 years.

Liquidity

No withdrawal before 5 years

ULIP (Unit Linked Insurance Plan)

More About Scheme
Minimum Investment in a year
Maximum Investment in a year

Hidden Costs
Risk

ULIP is a investment plan with life insurance

Any amount above Rs 100( Varies among Insurance
companies)
No Upper limit(However deduction only up to
Rs.1,50,000)
Lot of Costs like Agents commission, Admin costs etc

There is a possibility capital loss

Return

Returns depend on the market conditions.

Taxation

Return is taxable at the time of maturity

No TDS on returns
There is a lock-in period of 5 years.

Liquidity

No withdrawal before 5 years

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