Tax-Saving · ELSS vs PPF

ELSS vs PPF Calculator

Both qualify for 80C deduction. Compare their post-tax returns over your investment horizon.

Annual investment₹1,50,000

₹500₹1.5L

Investment period15 years

3 yrs30 yrs

Expected ELSS return12% p.a.

8%20%

Your tax bracket30%

5%30%

Quick comparison

ELSS

PPF

Lock-in: 3 years

Lock-in: 15 years

Market-linked returns

Fixed 7.1% (govt)

LTCG 10% on gains >₹1L

Fully tax-free (EEE)

Higher risk, higher return

No risk, guaranteed

Note: ELSS returns assumed at 12% — actual equity returns vary. PPF rate (7.1%) is subject to quarterly government revision. LTCG computation simplified.

ELSS wins by

ELSS is better

₹18.03 L

post-tax difference over 15 years

ELSS

Gross value

₹62.63 L

LTCG tax

₹3.91 L

Post-tax

₹58.72 L

PPF

Gross value

₹40.68 L

Tax

₹0 (EEE)

Post-tax

₹40.68 L

Annual 80C tax saving (both)

₹45,000/yr

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