80C Ke 10 Tarike Tax Bachane Ke Liye
₹1.5 lakh tak tax bachao — Section 80C ke saare options
Last updated: January 2026 | Reading time: 5 minutes
Har saal tax filing ke time ek hi sawaal aata hai — "80C mein kya-kya daal sakte hain?" Section 80C India ke Income Tax Act ka sabse popular section hai, jisme aap ₹1,50,000 tak ki deduction claim kar sakte hain.
Is article mein hum 80C ke 10 best options batayenge — jo aapki tax bachane ke saath-saath future bhi secure karte hain.
1. Employee Provident Fund (EPF)
Agar aap salaried ho, to aapki salary se 12% PF automatically kata jaata hai. Yeh amount 80C mein count hota hai. Aur employer ka contribution bhi (12%) — lekin woh 80C mein nahi aata.
Limit: Aapki basic salary ka 12%
2. Public Provident Fund (PPF)
PPF sabse safe investment hai — 7.1% tax-free interest milta hai. Minimum ₹500, maximum ₹1,50,000 per year invest kar sakte hain. 15 saal ka lock-in hota hai.
Limit: ₹1,50,000
3. Equity Linked Savings Scheme (ELSS)
Mutual fund ka ek type jo tax saving + wealth creation dono karta hai. Sirf 3 saal ka lock-in hai (sabse kam). Historical returns 12-15% ke aas-paas.
Limit: ₹1,50,000
4. Life Insurance Premium (LIC)
LIC ya kisi bhi life insurance policy ka premium 80C mein count hota hai. Lekin yaad rahe — sirf 10% of sum assured tak hi eligible hota hai.
Limit: Premium amount (conditions ke saath)
5. National Savings Certificate (NSC)
Post office ki scheme — 7.7% interest (compounded annually). 5 saal ka lock-in. Safe investment option.
Limit: Koi upper limit nahi, lekin 80C mein ₹1,50,000 tak
6. Home Loan Principal Repayment
Agar aap home loan le rahe hain, to principal amount 80C mein count hota hai. Interest alag se Section 24(b) mein claim hota hai (₹2 lakh tak).
Limit: ₹1,50,000 (80C mein)
7. Sukanya Samriddhi Yojana (SSY)
Beti ke liye government scheme — 8.2% tax-free interest. Minimum ₹250, maximum ₹1,50,000 per year. 21 saal ka lock-in.
Limit: ₹1,50,000
8. National Pension System (NPS)
NPS mein aap 80C ke tehat ₹1,50,000 tak invest kar sakte hain. Iske alawa 80CCD(1B) mein extra ₹50,000 ka deduction milta hai — matlab total ₹2 lakh tak tax saving!
Limit: ₹1,50,000 (80C) + ₹50,000 (80CCD1B)
9. Tuition Fees for Children
Bacchon ki school/college fees 80C mein count hoti hai. Lekin sirf tuition fees — development fees, donation, transport fees nahi.
Limit: 2 bacchon tak
10. 5-Year Bank Fixed Deposit (Tax Saving FD)
Bank ka special FD jo 5 saal ka hota hai. Interest taxable hai, lekin principal 80C mein count hota hai. Safe option.
Limit: ₹1,50,000
Comparison Table
| Option | Return | Lock-in | Risk |
|---|---|---|---|
| EPF | 8.25% | Retirement | Very Low |
| PPF | 7.1% | 15 years | Very Low |
| ELSS | 12-15% | 3 years | Medium |
| NSC | 7.7% | 5 years | Very Low |
| SSY | 8.2% | 21 years | Very Low |
| Tax Saving FD | 6.5-7% | 5 years | Very Low |
Kaunsa Option Best Hai?
Agar aap safe investment chahte ho: PPF, NSC, SSY
Agar aap wealth creation chahte ho: ELSS, NPS
Agar aap salaried ho: EPF already ho raha hai
Agar aap home loan le rahe ho: Principal 80C mein, interest 24(b) mein
Important Baat
80C ki total limit ₹1,50,000 hai — chahe aap kitne bhi options use karo. Isliye smart combination banao:
- EPF (automatic) + ELSS (wealth) = Best combo
- PPF (safe) + NPS (extra deduction) = Tax + retirement
Apna exact tax calculate karne ke liye hamara Income Tax Calculator use karo.
Disclaimer: Tax rules badalte rehte hain. Investment se pehle CA se consult karein.
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