ELSS Calculator
Free ELSS calculator for India. Project the future value of a tax saving mutual fund SIP or lumpsum, with the 80C tax saved and the three year lock in.
अपना परिणाम कैलकुलेट करें
अपने आँकड़े दर्ज करें। बदलाव के साथ अनुमान और चार्ट अपडेट होंगे।
ELSS — टैक्स सेविंग म्यूचुअल फंड
- भविष्य मूल्य
- ₹29,04,238
- ₹29.04L
- कुल निवेशित
- ₹15,00,000
- लाभ
- ₹14,04,238
आपके आँकड़ों का मतलब
Your ₹15L could grow to ₹29.04L, about 1.9× your money.
This assumes a steady 12.0% a year for 10 years; equity returns swing year to year, so treat it as an estimate.
In today's money that is roughly ₹16.22L.
We assume 6% yearly inflation over 10 years to show what the final amount can actually buy.
You save about ₹46,800 in tax this year.
Including 4% cess, that is an instant 31.2% return on the ₹1,50,000 you invest this year, before any market growth.
गणना का तरीका: हर किस्त महीने की शुरुआत में निवेश होती है और हर महीने सालाना रिटर्न ÷ 12 की दर से बढ़ती है (12% सालाना = 1% मासिक), जैसा ज़्यादातर भारतीय SIP कैलकुलेटर करते हैं। फंड का वास्तविक रिटर्न अलग हो सकता है और इसकी गारंटी नहीं है।
- पहले वर्ष की अनुमानित 80C कर बचत
- ₹46,800
- 30.0% × पात्र कटौती, साथ में 4% उपकर
- कर बचत / पहले वर्ष का निवेश
- 31.2%
- नकद कर बचत का अनुमान, वार्षिकीकृत निवेश प्रतिफल नहीं
क्षितिज के दौरान ELSS पोर्टफोलियो मूल्य बनाम निवेशित
अनुमानित मूल्य और निवेशित राशि की तुलना। राशि रुपये में।
चार्ट के आँकड़े देखें
| वर्ष | निवेशित राशि | अनुमानित मूल्य |
|---|---|---|
| 0 | ₹0 | ₹0 |
| 1 | ₹1,50,000 | ₹1,60,117 |
| 2 | ₹3,00,000 | ₹3,40,540 |
| 3 | ₹4,50,000 | ₹5,43,846 |
| 4 | ₹6,00,000 | ₹7,72,935 |
| 5 | ₹7,50,000 | ₹10,31,080 |
| 6 | ₹9,00,000 | ₹13,21,963 |
| 7 | ₹10,50,000 | ₹16,49,737 |
| 8 | ₹12,00,000 | ₹20,19,082 |
| 9 | ₹13,50,000 | ₹24,35,269 |
| 10 | ₹15,00,000 | ₹29,04,238 |
रिडेम्पशन पर ₹1,25,000 से अधिक LTCG पर 12.5% कर (धारा 112A)। प्रति SIP किस्त 3-वर्ष लॉक लागू।
कुल निधि में रिडेम्प्शन कर और शुल्क नहीं घटाए गए हैं; इसमें हर किस्त से तीन वर्ष तक लॉक रहने वाली यूनिट भी शामिल हैं। पहले वर्ष की कर बचत में चुनी गई सीमांत दर के साथ 4% उपकर, साझा 80C सीमा का शेष हिस्सा और कोई रिबेट, अधिभार या स्लैब परिवर्तन नहीं माना गया है। कर बचत कुल निधि में नहीं जोड़ी जाती।
अपनी गणना समझें
ELSS is an equity mutual fund with a three-year lock for each instalment. Eligible investment can use the shared ₹1,50,000 deduction allowance under the old tax regime; the new regime has no corresponding deduction. This calculator projects gross SIP or one-time investment value and separately estimates first-year tax saving at your selected marginal rate plus 4 percent cess.
ELSS Calculator क्यों उपयोग करें
Model investment growth separately from tax relief. Select the tax regime and other deductions already using the shared allowance. The tax estimate excludes rebates, surcharge and movement across slabs; actual saving requires comparing your complete income-tax calculation with and without the deduction.
ELSS Calculator कैसे उपयोग करें
- 1
Pick SIP or lumpsum
If you invest a fixed amount every month, choose SIP. If you invest the year's 80C allocation in one go (often in March), choose lumpsum.
- 2
Enter the investment amount
For SIP, the monthly amount. For lumpsum, the one time amount. Total annual ELSS investment counts toward the ₹1,50,000 80C cap shared with PPF, EPF, life insurance premium and other 80C items.
- 3
Set the expected return and horizon
ELSS returns can vary widely by fund and market cycle. Use an expected return assumption that matches your risk view, and keep the horizon long enough for equity volatility.
- 4
Enter your marginal slab rate
Select old or new regime, your marginal slab rate, and other deductions using the shared allowance. The displayed tax benefit estimates the first 12 contribution months (or the one-time lump sum), not a current financial-year calendar schedule or a lifetime tax saving.
उदाहरण
₹12,500 a month in ELSS for 10 years, 30% slab, old regime
₹12,500 a month is ₹1,50,000 in the first 12 months, which uses the full 80C allowance if nothing else is claimed. Tax saved = ₹1,50,000 × 30% × 1.04 = ₹46,800. For growth, each instalment goes in at the start of the month at 1% a month (12% ÷ 12), so ₹12,500 × ((1.01^120 − 1) ÷ 0.01) × 1.01 = ₹29,04,238 after 10 years. In lumpsum mode, ₹1,50,000 invested once at 12% becomes ₹1,50,000 × 1.12^10 = ₹4,65,877.
- Monthly SIP
- ₹12,500
- First-year 80C eligible amount
- ₹1,50,000
- Estimated first-year tax saved
- ₹46,800
- Total invested over 10 years
- ₹15,00,000
- Estimated value at 12%
- ₹29,04,238
- Estimated gain
- ₹14,04,238
The ₹46,800 is a one-year cash saving, not part of the corpus. In the 20% slab it would be ₹31,200, and under the new regime it's zero while the projected value stays the same.
इसकी गणना कैसे होती है
SIP mode runs month by month: balance = (balance + SIP) × (1 + r), where r is the annual return ÷ 12. Each instalment is invested at the start of its month, the method most Indian SIP calculators use, so the result matches the SIP calculator for the same inputs. Lumpsum mode uses FV = amount × (1 + annual return)^years.
Tax saved looks only at the first year. The yearly investment is the SIP × 12 (or fewer months if the horizon is under a year), or the lumpsum amount. The eligible amount is min(yearly investment, ₹1,50,000 − other 80C deductions), and tax saved is eligible × slab rate × 1.04. Under the new regime the eligible amount is zero.
The tax saving isn't reinvested or added to the corpus, and redemption tax, rebates and surcharge aren't modelled. The chart shows market value, which can include units still inside their three-year lock.
अक्सर पूछे जाने वाले प्रश्न
What is the lock in period for ELSS?
Three years from the date of each investment. For an ELSS SIP, each monthly instalment has its own three year lock, so the SIP started in April 2024 unlocks in April 2027, the May 2024 instalment unlocks in May 2027, and so on. This is the shortest lock among Section 80C instruments.
Is ELSS available under the new tax regime?
You can invest in ELSS under either regime, but only the old regime permits its eligible 80C deduction. New-regime contributions get no corresponding deduction. Redemption gains follow the same equity taxation rules in both regimes.
How is ELSS taxed at redemption?
ELSS is an equity mutual fund. Long term capital gains (held more than 12 months) are taxed at 12.5 percent on gains exceeding ₹1,25,000 per financial year under Section 112A. Since the minimum holding period is three years due to the lock, all ELSS redemptions are LTCG.
Can I invest more than ₹1,50,000 in ELSS?
Yes. Investment is not capped at ₹1,50,000; the shared annual 80C deduction is. Amounts above the remaining allowance receive no additional deduction but remain subject to equity risk and lock-in.
ELSS versus PPF, which is better?
Different roles. ELSS aims for higher returns over the long term with equity risk and a three year lock. PPF pays a fixed tax free 7.1 percent with a fifteen year lock and zero risk. A balanced 80C allocation often splits the ₹1,50,000 cap between the two, with the proportion driven by your risk tolerance and existing equity exposure.
Can I do an SIP in ELSS?
Yes. Each monthly purchase has its own three-year lock. A SIP spreads purchase dates but does not guarantee a profit or make recent units immediately redeemable.
Which ELSS fund should I pick?
The calculator does not recommend specific funds. As a general framework, look at long term (10 year) category percentile, expense ratio, fund manager tenure and consistency of process. Verify any fund choice with a SEBI registered investment advisor before investing.
Why does the tax saving use only the first 12 months?
Your deduction depends on what you invest in each financial year, and your slab, other deductions and regime can change from year to year. The calculator shows one year so it doesn't assume those stay fixed. If you keep the same SIP and stay in the old regime, the saving can repeat each year, subject to the shared ₹1,50,000 cap.
अंतिम बात
Tax saving divided by first-year investment is a cash-tax ratio, not an annualised return boost. Verify actual tax relief and which units are unlocked before redeeming.
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