TOP 10

INCOME TAX
SAVING
INSTRUMENTS

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 PUBLIC PROVIDENT FUND (PPF)

The Public Provident Fund (PPF) is a savings-

cum-tax-saving instrument in India.

Minimum
Investment Rs. 500

Maximum
Investment Rs. 1,50,000

Lock-in
Period 15 Years

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 EQUITY LINKED SAVING SCHEME

ELSS funds invest in equities and offer tax

exemptions up to Rs. 150,000 under Section
80C.

Minimum
Investment Rs. 500

Maximum
Investment No Limit

Lock-in
Period 3 Years

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 NATIONAL PENSION SCHEME
In NPS, your savings are invested by regulated
pros in diverse portfolios, including
government bonds, bills, shares etc.

Minimum
Investment Rs. 6000

Maximum
Investment No Limit

Lock-in
Period 3 Years

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 SENIOR CITIZENS SAVINGS
The SCSS offers Indian senior citizens a
chance to invest a lump sum for regular
income and tax benefits.

Minimum
Investment Rs. 1000

Maximum
Investment 1500000

Lock-in
Period 5 Years

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 UNIT LINKED INSURANCE PLAN
A unit-linked insurance plan combines
insurance and investment into one package,
unlike traditional insurance policies.

Minimum
Investment Rs. 1000

Maximum
Investment No Limit

Lock-in
Period 5 Years

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 SUKANYA SAMRIDDHI YOJANA
Sukanya Samriddhi Account is a Government
of India backed saving scheme targeted at the
parents of girl children.

Minimum
Investment Rs. 250

Maximum
Investment 150000

Lock-in When the girl child is

Period above 18 years or has
passed 10th

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standard.
 BANK FIXED DEPOSITS
In a Fixed Deposit, you put a lump sum in your
bank for a fixed tenure at an agreed rate of
interest.

Minimum
Investment Rs. 100

Maximum
Investment No Limit

Lock-in
Period 5 Years

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 NATIONAL SAVINGS CERTIFICATE
NSE is an Indian Government savings bond,
primarily used for small savings and income
tax saving investments in India.

Minimum
Investment Rs. 100

Maximum
Investment No Limit

Lock-in
Period 5 Years

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 TAX SAVER FIXED DEPOSIT
Tax Saver Fixed Deposits allow depositors to
claim tax deductions under Section 80C of
the Indian Income Tax Act.

Minimum
Investment Rs. 100

Maximum
Investment 150000

Lock-in
Period 5 Years

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 LIFE INSURANCE
Life insurance is an agreement where an
insurer promises to pay a specified sum to a
beneficiary when the insured person passes
away.
Minimum
Investment Rs. 5000

Maximum
Investment No Limit

Lock-in
Period Usually 5 Years

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