Tax Saving Guide India 2025
Section 80C மூலம் ₹1.5 லட்சம் வரை வரி சேமிக்கலாம். ELSS, PPF, NPS — எது சிறந்தது? Complete tax planning guide in Tamil & English.
How Much Tax Can You Save?
30% Tax Bracket
₹15L+ income
20% Tax Bracket
₹10–15L income
5% Tax Bracket
₹5–10L income
Section 80C Options — Which is Best?
| Option | Returns | Lock-in | Limit | Rating |
|---|---|---|---|---|
| ELSS Mutual Fund Best | 12–15% | 3 years | ₹1.5L | ⭐⭐⭐⭐⭐ |
| PPF | 7.1% | 15 years | ₹1.5L | ⭐⭐⭐ |
| NSC | 7.7% | 5 years | ₹1.5L | ⭐⭐⭐ |
| Tax Saving FD | 6–7% | 5 years | ₹1.5L | ⭐⭐ |
| NPS (Tier 1) | 9–11% | Till retirement | ₹2L (extra ₹50K) | ⭐⭐⭐⭐ |
| Life Insurance Premium | 4–6% | Policy term | ₹1.5L | ⭐⭐ |
* ELSS wins on all parameters — shortest lock-in (3 years), highest potential returns, and same ₹1.5L deduction.
→ Read our complete ELSS vs PPF vs FD comparisonSection 80D — Save Tax with Health Insurance
₹25,000
Self + Family
Below 60 years
₹50,000
Senior Citizen Parents
60+ years
₹75,000
Total Maximum
Self + Senior parents
Health insurance premium paid for yourself, spouse, children, and parents qualifies for Section 80D deduction. This means you get both health protection AND tax savings — a double benefit.
→ Get Star Health Insurance and save tax under 80DPlan Your Taxes for 2025–26
PRinvins Wealth Advisory provides free tax planning consultation in Tirunelveli, Kanyakumari & Thoothukudi. வரி சேமிப்பு திட்டமிடல் இலவசமாக பெறுங்கள்.