Which 80C instrument gives best returns?

ELSS offers highest potential returns (market-linked) with a 3-year lock-in. PPF gives guaranteed 7.1% EEE. Choice depends on risk appetite.

What are the tax implications on maturity returns of 80C investments?

PPF and Life Insurance maturity proceeds are completely tax-exempt (EEE category). ELSS maturity proceeds are subject to LTCG tax at 12.5% on gains exceeding ₹1.25 Lakhs per annum.

Is SCSS better than tax-saving bank FDs under Section 80C?

SCSS (Senior Citizens Savings Scheme) offers higher interest rates (typically 8.2%+) compared to normal tax-saving FDs and pays quarterly interest, making it superior for retirees.

80C Investment Returns ComparatorFY 2026-27

Compare post-tax returns of ELSS, PPF, NSC, SCSS, and Insurance under 80C — find the best instrument.

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Quick Summary: 80C Investment Returns Comparator

Different 80C instruments have different tax treatments on maturity. In FY 2026-27, PPF (EEE) provides 7.1% tax-free returns, whereas ELSS (EET) returns are taxable as LTCG at 12.5% on gains above ₹1.25L. This tool compares the real, post-tax 'In-Hand' returns to help you decide.

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Regulatory Disclaimer · FY 2026-27

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.