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80C Deduction Calculator
Maximise your ₹1.5 lakh Section 80C deduction.
Enter values to see your result
Frequently asked questions
What is Section 80C?
Deduction up to ₹1.5 lakh/year for specific investments and expenses — EPF, PPF, ELSS, NPS (80CCC), insurance premium, home loan principal, tuition fees, and more.
Best 80C instrument for long-term wealth?
ELSS (equity mutual funds) — 3-year lock-in (shortest), average ~12% long-term returns. For risk-averse: PPF (7.1%, 15-year lock-in, tax-free).
Is new regime eligible for 80C?
No. Section 80C deduction is available only under the OLD tax regime. Under new regime, only standard deduction ₹75K and NPS 80CCD(2) are allowed.
Do EPF contributions auto-count?
Yes — your EPF employee contribution (12% of basic) counts toward 80C automatically. Many salaried employees already hit the ₹1.5L cap through EPF alone.