Section 80C: Top 10 Tax Saving Options | 2025 Guide in Hindi

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✅ Introduction: Kya hai Section 80C? 

Har saal jab income tax bharne ka time aata hai, toh sabse pehle jo question mind me aata hai wo hota hai – “Kaise tax bachayein?” Aur uska sabse popular answer hai Section 80C.

Section 80C, Income Tax Act ka ek section hai jo individuals aur HUFs ko ₹1.5 lakh tak ki tax deduction allow karta hai. Yaani agar aap ₹1.5 lakh tak eligible investments karte ho, toh utni income par aapko tax nahi dena padega.

Is article me hum discuss karenge Top 10 Section 80C tax saving options, jise aap apni salary aur savings ke according choose kar sakte ho.


yeh bhi padhe : Income tax ki puri jankari Click karen.

📌 Section 80C Limit Kitni Hai?

  • Maximum Deduction: ₹1,50,000 per financial year

  • Applicable To: Individual taxpayers & Hindu Undivided Families (HUF)

  • Eligible Financial Year: FY 2024-25 (AY 2025-26)

  • Old Tax Regime ke under hi applicable hai – new tax regime me 80C ka benefit nahi milta.

🔟 Top 10 Tax Saving Investment Options under Section 80C

1️⃣ Public Provident Fund (PPF)

PPF ek long-term, government-backed savings scheme hai jo tax benefits ke saath high safety bhi offer karti hai.

  • Interest Rate: ~7.1% (subject to quarterly change)

  • Lock-in Period: 15 years

  • Tax Benefit: EEE (Exempt-Exempt-Exempt)

  • Investment Mode: Bank/Post Office

🔹 Best for: Risk-averse investors jo long-term secure returns chahte hain.

2️⃣ Employee Provident Fund (EPF)

Agar aap salaried ho, toh aapki salary se EPF automatically deduct hota hai.

  • Interest Rate: ~8.15%

  • Contribution: 12% basic + DA by employer

  • Tax Benefit: EEE

  • Withdrawal: Allowed after 5 years (tax-free)

🔹 Best for: Salaried employees looking for guaranteed returns.

3️⃣ Equity Linked Saving Scheme (ELSS)

ELSS ek mutual fund hota hai jo equity market me invest karta hai. Iska lock-in period sabse kam hota hai.

  • Lock-in: 3 years

  • Returns: 12-15% (market-based)

  • Tax Benefit: Up to ₹1.5 lakh under 80C

  • Risk Level: High

🔹 Best for: High-return seekers, long-term equity investors.


Yeh bhi padhe : Mutual fund ki jankari Click karen. 

4️⃣ National Savings Certificate (NSC)

NSC bhi ek government scheme hai jo fixed interest ke saath tax benefit bhi deti hai.

  • Interest Rate: ~7.7% p.a.

  • Lock-in Period: 5 years

  • Tax Benefit: Up to ₹1.5 lakh

  • Where to Buy: Post Offices

🔹 Best for: Safe investors with 5-year horizon.

5️⃣ Life Insurance Premium

Aap jo bhi life insurance premium bharte ho (khud, spouse, ya children ke naam), wo Section 80C me claim ho sakta hai.

  • Policy Type: Term Plan, Endowment, ULIP

  • Tax Benefit: Up to ₹1.5 lakh

  • Condition: Premium ≤ 10% of Sum Assured

🔹 Best for: Financial protection ke saath tax savings.

Yeh bhi pade : Life insurance kya hai? Click karen 

6️⃣ Sukanya Samriddhi Yojana (SSY)

Ye scheme specifically girl child ke future planning ke liye hai.

  • Interest Rate: ~8.2% (highest among small savings)

  • Eligibility: Girl child below 10 years

  • Lock-in: Till girl turns 21 or gets married after 18

  • Tax Benefit: EEE

🔹 Best for: Girl child ke future ke liye planning parents.

7️⃣ Senior Citizen Saving Scheme (SCSS)

Senior citizens ke liye ek dedicated tax-saving scheme.

  • Eligibility: Age 60+

  • Interest Rate: ~8.2%

  • Lock-in: 5 years (extendable by 3 years)

  • Tax Benefit: Under 80C

🔹 Best for: Retired log jo fixed income aur tax savings dono chahte hain.

8️⃣ 5-Year Tax Saving Fixed Deposit

Bank me kiya gaya tax saving FD bhi 80C ke under aata hai.

  • Tenure: 5 years

  • Interest Rate: 6.5% - 7.5%

  • Tax Benefit: Up to ₹1.5 lakh

  • TDS: Interest taxable

🔹 Best for: Risk-free investors, traditional FD lovers.

9️⃣ Home Loan Principal Repayment

Aapke home loan ka principal component bhi 80C me deduct hota hai.

  • Condition: House should not be sold before 5 years

  • Loan Type: Self-occupied or rented both

  • Max Limit: ₹1.5 lakh

🔹 Best for: Ghar kharidne wale log jinka loan chalu hai.

🔟 Tuition Fees for Children

Aapke 2 tak ke bacchon ki tuition fees bhi 80C me count hoti hai.

  • School/College: Indian institution only

  • No hostel or donation covered

  • Max Limit: ₹1.5 lakh (combined with other 80C deductions)

🔹 Best for: Parents of school/college going children.

📋 Comparison Table – Section 80C Investment Options


OptionLock-inReturnsRiskTax Benefit
PPF (Public Provident Fund)15 yrs~7.1%LowEEE
EPF (Employees' Provident Fund)Till retirement~8.15%LowEEE
ELSS (Equity Linked Savings Scheme)3 yrs12-15%HighEEE
NSC (National Savings Certificate)5 yrs~7.7%LowTaxable
Life Insurance PremiumVariesLow to MediumLowDepends
Sukanya Samriddhi Yojana21 yrs~8.2%LowEEE
SCSS (Senior Citizens Savings Scheme)5 yrs~8.2%LowTaxable
5-Year Tax Saving FD5 yrs~6.5%-7.5%LowTaxable
Home Loan Principal RepaymentN/ANANADeductible
Tuition Fees (for Children)AnnualNANADeductible



⚠️ Important Points to Remember

  1. Maximum total deduction under 80C is ₹1.5 lakh only.

  2. Ye limit combined hoti hai – aap ek ya zyada investments mila ke claim kar sakte ho.

  3. ELSS is best for long-term high return; PPF/NSC for stable return.

  4. 80C benefit sirf old tax regime me milega.

  5. 80C me HUF bhi eligible hota hai (apart from individuals).

🤔 Kaun sa Investment Choose Kare?

Aapke liye best investment depend karta hai:

  • Aapki risk appetite pe

  • Financial goals pe (short term vs long term)

  • Liquidity requirement pe

  • Return expectations pe

Agar aap risk le sakte ho, toh ELSS mutual fund aapko long-term me best returns dega.

Agar aap risk-averse ho, toh PPF + Life Insurance + NSC combo best hai.

📝 2025 Ke Liye Suggested 80C Portfolio

Goal TypeSuggested OptionAllocation
Long-term growthELSS₹50,000
Safety + savingsPPF₹40,000
Insurance + safetyTerm Insurance Premium₹20,000
Child planningTuition Fees / SSY₹40,000

✅ Total = ₹1.5 Lakh

🧾 How to Claim Section 80C Deductions?

  1. Tax return bharte waqt ITR Form me 80C section me entries fill karein.

  2. Salary earners apne employer ko proofs submit karein (January-February me).

  3. Bank statement, insurance receipts, FD certificate, ELSS statement etc. sambhal ke rakhein.

📚 FAQs – Section 80C Tax Saving

Q1. Kya main multiple options combine kar sakta hoon?

Haan, aap PPF + ELSS + LIC + Tuition fees sab mila ke ₹1.5 lakh tak deduction le sakte ho.

Q2. Kya NPS bhi 80C me aata hai?

NPS ka deduction Section 80CCD(1) me aata hai, jo 80C ke andar hi count hota hai.

Q3. New tax regime me 80C milega?

Nahi, agar aap new tax regime choose karte ho toh 80C ka benefit nahi milega.

🔚 Conclusion

Section 80C ek powerful tool hai jo aapko ₹1.5 lakh tak ka tax bachane ka mauka deta hai, wo bhi aapke long-term goals achieve karne ke sath. Har vyakti ke liye ek perfect combination ho sakta hai depending on unki income, risk level, aur goals.

2025 me agar aap smartly invest karte ho, toh tax bhi bachega aur future bhi secure hoga.

Namaste! Mera naam Jaydip Solanki hai. Main pichhle 12 saalon se accounting aur finance ke kshetra mein kaam kar raha hoon. Is blog Rupigyan.online ke madhyam se main apna personal aur professional anubhav aap sab ke saath share karta hoon, jisme aapko milenge: Finance aur personal budgeting tips Stock market aur investments ki jankari Loans, credit card aur insurance se judi useful baatein Indian taxation aur finance laws ka simplified gyaan Mera lakshya hai ki main har vyakti tak sahi aur saral bhasha mein financial knowledge pahuchaaun, taaki wo apne arthik nirnay khud le sakein – bina kisi confusion ke. Rupigyan – Rupi ka Gyan, Hindi me Asaan.

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