What is the maximum deduction I can claim under Sections 80C, 80D, and NPS?

Under the Old Tax Regime, you can claim up to ₹1.5 Lakhs under Section 80C, up to ₹25,000/₹50,000 under Section 80D (health insurance for self/parents), and an additional ₹50,000 under Section 80CCD(1B) for voluntary NPS contributions.

Can I claim NPS tax benefits under the New Tax Regime?

Yes, but only for the employer's contribution to NPS under Section 80CCD(2), which is capped at 14% of salary for government/private employees. Voluntary contributions under 80CCD(1B) and employee contributions under 80C are not available in the New Regime.

How do I choose between PPF, ELSS, and NPS?

Choice depends on lock-in and risk: ELSS has a 3-year lock-in with market-linked returns. PPF has a 15-year lock-in with guaranteed tax-free returns. NPS has a lock-in until age 60 and is ideal for retirement planning.

80C / 80D / NPS OptimizerFY 2026-27

Find untapped deduction gaps across 80C, 80CCD(1B), and 80D. Get prioritized instrument recommendations by risk profile.

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Last verified May 2026

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