Project the maturity value of a tax-saving ELSS lump-sum investment (3-year lock-in).
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An Equity Linked Savings Scheme (ELSS) is a tax-saving mutual fund with a mandatory three-year lock-in, the shortest of all Section 80C options. It invests mainly in equities, so returns are market-linked.
Enter a lump sum, the return you expect and the number of years to see the maturity value and the wealth gained.
| Investment Amount | ₹150,000 |
| Expected Annual Return | 12% |
| Holding Period | 3 yrs |
| Maturity Value | ₹2,10,739 |
| Invested | ₹1,50,000 |
| Wealth Gained | ₹60,739 |
| Tax saved under 80C (old regime, 30% slab + cess) | ₹46,800 |
| LTCG tax on gains (12.5% above ₹1.25 lakh a year) | ₹0 if all gains are booked in one year |
| Lock-in ends | 3 years after each investment |
Maturity ₹2,10,739; tax saved ₹46,800.
| Investment Amount | ₹150,000 |
| Expected Annual Return | 12% |
| Holding Period | 10 yrs |
| Maturity Value | ₹4,65,877 |
| Invested | ₹1,50,000 |
| Wealth Gained | ₹3,15,877 |
| Tax saved under 80C (old regime, 30% slab + cess) | ₹46,800 |
| LTCG tax on gains (12.5% above ₹1.25 lakh a year) | ₹23,860 if all gains are booked in one year |
| Lock-in ends | 3 years after each investment |
Maturity ₹4,65,877.
Three years from the date of each investment.
The Section 80C deduction is available only in the old tax regime. ELSS can still be a plain equity investment in the new regime.
There is no upper limit, but the 80C deduction is capped at ₹1.5 lakh a year across all eligible investments.