Are you a salaried professional wondering where to invest your 80C funds? Let's decode if ELSS or PPF is better for you this year!
ELSS is equity-linked with a 3-year lock-in. PPF is government-backed debt with a 15-year lock-in. Both save tax under 80C.
ELSS offers high growth potential but comes with market risk. PPF gives steady, predictable ~7.1% returns with capital safety. Your risk appetite matters!
ELSS has a quick 3-year lock-in, then it's flexible. PPF demands a 15-year commitment, ideal for very long-term goals like retirement.
PPF is EEE (Exempt-Exempt-Exempt) – all returns are tax-free. ELSS gains are taxed as LTCG (10% over ₹1 Lakh/year), but often yields higher net.
Avoid last-minute decisions. Diversify your 80C with both ELSS (growth) & PPF (stability). Your personal goals & risk appetite should guide your choice.
Ready to make smart tax-saving choices? Explore SIP and goal calculators to see how your money can grow. Visit sipplancalculator.in now!