--- title: tax saving investment canonical_url: https://sanchaykaro.com/tax-saving-investment/ last_updated: 2026-11-14T10:38:39+00:00 plugin_version: 1.2.3 --- # tax saving investment Tax Saving Investment · ELSS · Sanchay Karo Goal: Tax Saving Investment Invest in ELSS & Save Tax with ========================================= 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**. [ Get the App](https://play.google.com/store/apps/details?id=com.sanchaykaro.sanchay&pcampaignid=web_share) [ Calculate My Tax Saving](#calculator) AMFI ARN-301757 Paperless KYC Start from ₹500 **ELSS at a glance**3-YR LOCK-IN **3-year lock-in**Shortest among 80C options **Up to ₹1.5 lakh deduction**Old Tax Regime, per year **Equity-oriented funds**Market-linked growth potential **AMFI registered**ARN-301757 **0 Years**Lock-in per instalment **₹0**Max yearly deduction limit **₹0\***Max yearly saving (30% slab) **₹0**Minimum SIP to start Why ELSS Save tax and build wealth ------------------------- ELSS is the only mutual fund category that offers a tax deduction – with the shortest lock-in of any 80C option. ### Tax deduction Claim up to ₹1.5 lakh a year as a deduction under the Old Tax Regime and reduce your taxable income. ### Only 3-year lock-in Each SIP instalment is locked for 3 years from its own investment date – shorter than other 80C options. ### Growth potential ELSS invests mainly in equities, so it can grow your money over time – though returns are never guaranteed. ### Monthly SIP, no last-minute rush Spread your tax-saving investment across the year instead of scrambling in March. ### Shares the 80C limit The ₹1.5 lakh cap is shared with EPF, PPF, life insurance and tuition fees – check your existing outgo first. ### Your name, your folio Units are allotted in your own folio with the AMC – never held by [Sanchay Karo](https://apirrabbit.com/api/v1/master/LandingPage?arn=ARN-301757 "Sanchay Karo"). Tax Saving Planner See how much tax you can save ----------------------------- An illustrative planner for FY 2026-27 rules – your final recommendation is shown inside the app. Your investment Monthly ELSS investment (₹) Investment period (years) Expected return (% p.a.) Your tax details Your income tax slab (Old Tax Regime) 5%20%30% Other 80C investments per year (₹) – EPF, PPF, insurance, tuition Calculate Estimated tax saved every year\* ₹0 Invested per year**₹0** Eligible deduction**₹0** Tax saved over the period\***₹0** Illustrative value after period**₹0** Sanchay Karo recommendation – monthly ELSS SIP ₹0 \*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. Simple & Digital How to start your tax-saving SIP -------------------------------- Eight simple steps – they light up automatically. 1### Download the App Get the Sanchay Karo app free from Google Play or the App Store. 2### Do KYC & Mandate Paperless KYC with Aadhaar & PAN, then set up your e-mandate. 3### Click Goal Based Investment Open the Goal Based Investment section in the app. 4### Select Tax Saving Choose the Tax Saving goal from the list. 5### Select Monthly Amount Choose how much you want to invest every month. 6### Select Your Period Choose for how long you want to keep investing. 7### Review Fund & Recommendation Review the ELSS fund and see Sanchay Karo's recommended fund. 8### Do Invest Confirm your plan and complete your investment. Good To Know Smart tax planning, step by step -------------------------------- Up to ₹1.5L deduction 3-year lock-in Monthly SIP habit Equity growth potential Old Tax Regime benefit 100% digital Shared 80C cap Start from ₹500 FAQ Quick answers ------------- What is ELSS?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. How much tax can I save?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. Does this work in the New Tax Regime?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. How does the 3-year lock-in work for SIPs?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. Are the returns tax-free?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. Is ELSS risky?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. Can I combine ELSS with other 80C options?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. Ready to start your Tax Saving Investment? ------------------------------------------ Download the app and begin your ELSS SIP in minutes, talk to our team, or book a free 30-minute meeting. [ Download on Google Play](https://play.google.com/store/apps/details?id=com.sanchaykaro.sanchay&pcampaignid=web_share) [ Download on App Store](https://sanchaykaro.com/App) [ Talk to SanchayKaro](https://sanchaykaro.maxwealth.money/lead/H5hnxbQi) [ 30 Minute Meeting](https://calendly.com/financialfreedoom/30min)#### Important notes & risk disclosure - Tax rules shown are for FY 2026-27 (AY 2027-28) and are subject to change. The deduction is available only under the Old Tax Regime. Please consult your tax advisor before deciding your regime or investment. - The planner is illustrative. It assumes the return you enter, your selected slab (including 4% cess) and uses the ₹1.5 lakh yearly limit; it does not account for your other deductions or tax surcharge. - ELSS funds are equity-oriented and subject to market risks. Each SIP instalment is locked in for 3 years. Read all scheme-related documents carefully before investing. - Past performance does not guarantee future returns. Returns are not guaranteed. - Sanchay Karo is an AMFI-registered mutual fund distributor (ARN-301757). We do not provide investment or tax advice. - This page is for information only and is not an offer or solicitation to invest.