Lesson 28 of 28 · Tax saved with 80C · 3 min read · Reviewed 15 Oct 2026
In the old regime you can deduct up to ₹1.5 lakh a year under 80C. In the 30% slab that saves about ₹46,800 including cess; in the 20% slab, about ₹31,200. EPF, PPF, ELSS funds, life insurance premiums, home loan principal and children’s tuition fees all count.
Section 80C lowers your taxable income by what you put into certain investments and payments, up to ₹1.5 lakh a year.
Your EPF contribution often uses a large part of the limit already. Check before buying something just to save tax.
Key idea: 80C works only in the old regime. Buy a product because it fits your plan, then count the tax saving.
Try the calculator and the one-question quiz on this page to check your own numbers.
ELSS funds, at three years. PPF runs 15 years and tax-saving FDs five.
Yes. Life insurance premiums count under 80C, including for a pure term plan.
In the old regime, an extra ₹50,000 in NPS under 80CCD(1B), and health insurance under 80D.
For learning only, not investment advice. Designed and built by people who have worked at India’s leading wealth management firms.