₹1.5 Lakh tax saving in India? Don't just save tax, save smart! Let's compare the big 3 – ELSS, PPF, NPS – and find your perfect financial fit.
ELSS (Equity): 3-yr lock-in, market growth potential. PPF (Debt): 15-yr lock-in, guaranteed safety. NPS (Hybrid): Retirement-focused, till 60. Each has a distinct personality!
ELSS: High returns potential, high market risk. PPF: Stable 7.1% (govt. backed), virtually no risk. NPS: Moderate risk & returns (9-11% with equity mix).
ELSS: Shortest 3-yr lock-in, then liquid. PPF: Longest 15-yr lock-in (partial withdrawals after 7 yrs). NPS: Locked till 60 (very illiquid, 40% annuity at maturity).
PPF: Pure EEE (Exempt-Exempt-Exempt). ELSS: EEE, but LTCG > ₹1L taxed at 10%. NPS: Not fully EEE; 40% annuity portion is taxable income at withdrawal.
Don't ignore your financial goals, inflation impact, or liquidity needs. Avoid putting all eggs in one basket. Understand NPS annuity rules BEFORE investing. Plan wisely!
Ready to plan smart and achieve your financial goals? Visit sipplancalculator.in to use our Goal SIP, SIP Step-up, and other powerful calculators!