Invest every month in ELSS funds, claim a deduction of up to ₹1.5 lakh a year under the Old Tax Regime, and enjoy the shortest lock-in among 80C options – just 3 years.
ELSS is the only mutual fund category that offers a tax deduction – with the shortest lock-in of any 80C option.
Claim up to ₹1.5 lakh a year as a deduction under the Old Tax Regime and reduce your taxable income.
Each SIP instalment is locked for 3 years from its own investment date – shorter than other 80C options.
ELSS invests mainly in equities, so it can grow your money over time – though returns are never guaranteed.
Spread your tax-saving investment across the year instead of scrambling in March.
The ₹1.5 lakh cap is shared with EPF, PPF, life insurance and tuition fees – check your existing outgo first.
Units are allotted in your own folio with the AMC – never held by Sanchay Karo.
An illustrative planner for FY 2026-27 rules – your final recommendation is shown inside the app.
Your investment
Your tax details
*Illustrative, at your selected slab incl. 4% cess, Old Tax Regime only. Each instalment is locked in for 3 years. Market returns are not guaranteed.
Eight simple steps – they light up automatically.
Get the Sanchay Karo app free from Google Play or the App Store.
Paperless KYC with Aadhaar & PAN, then set up your e-mandate.
Open the Goal Based Investment section in the app.
Choose the Tax Saving goal from the list.
Choose how much you want to invest every month.
Choose for how long you want to keep investing.
Review the ELSS fund and see Sanchay Karo's recommended fund.
Confirm your plan and complete your investment.
ELSS (Equity Linked Savings Scheme) is a mutual fund category that invests mainly in equities. It is the only mutual fund category that offers a tax deduction, with a 3-year lock-in.
You can claim a deduction of up to ₹1.5 lakh a year. At the 30% slab (including 4% cess), a full ₹1.5 lakh investment can reduce your tax by up to ₹46,800 a year. The saving depends on your own slab and other deductions.
No. The deduction is available only if you choose the Old Tax Regime while filing. Section 80C is renumbered as Section 123 under the new Income-tax Act, 2025, from FY 2026-27, and the ₹1.5 lakh limit is unchanged.
Every SIP instalment has its own 3-year lock-in from its investment date. So the units from your first instalment unlock first, and later instalments unlock month by month.
The investment gets a deduction, but gains are not tax-free. Long-term capital gains above ₹1.25 lakh in a financial year are taxed at 12.5% under current rules, which are subject to change.
Yes. ELSS invests mainly in equities, so its value can go up or down and returns are not guaranteed. It suits investors who can stay invested for the long term.
Yes, but the total deduction stays capped at ₹1.5 lakh together with EPF, PPF, life insurance premium and tuition fees. Add up your existing 80C outgo first and invest only for the remaining limit.
Download the app and begin your ELSS SIP in minutes, talk to our team, or book a free 30-minute meeting.
Regulatory Disclosure: www.sanchaykaro.com is an online website Registered name: Mr. PALLAB ROUTH | AMFI Registered Mutual Fund Distributor | ARN – 301757 | EUIN : E572917 |Date of Registration: 22-07-2024 | Current validity: 15-07-27 |BSE STARMF Member ID: 63447|NSEMF Member ID: 1009479|MSME: UDYAM-WB-12-0123391| Self-help tool, not advisory. No charges, no return guarantees. Mutual Funds are subject to market risks. Read scheme documents. Past performance may not sustain. Check Exit Loads & TER before investing. We deal only in Regular Plans (we earn trailing commission – disclosed at investment). Direct Plans (lower expense ratio) are available but we do not deal in them.
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