All About Section ‘80C’ Tax Deduction
PPF (Public Provident Fund) More About Scheme Minimum Investment in a year Maximum Investment in a year Hidden Costs
Risk
Completely safe No possibility of principle loss
Return
Taxation
PPF is a deposit scheme run by Central Government Rs 500 Rs 150000 Nil
8.7%.Compounded yearly Yearly, but can be withdrawn at maturity
Interest is tax free No TDS Only partial withdrawal is allowed, after 5 years.
Liquidity
Cant be closed before 15 years
Equity Linked Savings Schemes (ELSS Mutual funds) More About Scheme Minimum Investment in a year Maximum Investment in a year Hidden Costs
Risk
There is market risk involved. There is a possibility of capital loss.
Return
Average 14% in last 5 years of all ELSS industry Return obtained is variable.
Taxation
Interest is tax free No TDS on return
An ELSS is a diversified equity mutual fund. Rs.1000 No limit(But the deductions are eligible till Rs.1,50,000) Nil
There is lock-in period of 3 years. Liquidity
Money cannot be withdrawn before 3 years.
Sukanya Samriddhi Account More About Scheme Minimum Investment in a year Maximum Investment in a year Hidden Costs
It is a special account specially for the welfare of girl child. Rs.1000 Rs.1,50,000 Nil
Risk
It is a completely safe product There is no probability of capital loss.
Return
Return obtained is fixed. Return obtained is 9.1%.
Taxation
Interest is tax free No TDS on return There is lock-in period of 14 years.
Liquidity
Money cannot be withdrawn before 14 years.
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Employee Provident Fund More About Scheme Minimum Investment in a year Maximum Investment in a year Hidden Costs
Its provident fund deducted from employee by employers in case of salaried person As per employment terms There is no limit Nil
Risk
It is a completely safe product There is no probability of capital loss.
Return
Return obtained is fixed. Return obtained is 8.5%
Taxation
Interest is tax free if not withdrawn before 5 years. No TDS on return One has to retire or resign for the provident fund
Liquidity
One cannot withdraw money before resignation or retirement.
Life Insurance Policy
More About Scheme
Minimum Investment in a year Maximum Investment in a year Hidden Costs Risk
Return
Taxation
Life insurance policies like Endowment policies, term insurance policies etc. Varies among Insurance companies The maximum tax deduction up to Rs.1,50,000.(The premium is tax deductible if less than 10% of the Sum Insured) Lot of hidden costs like commissions and expenses It is a completely safe product There is no probability of capital loss. Return depends on the market
Returns are taxable No TDS
National Savings Schemes More About Scheme Minimum Investment in a year Maximum Investment in a year Hidden Costs
NSC is a government bond having maturity period of 6 years or 10 years. Rs.1000. There is no upper limit(However deduction only up to Rs.1,50,000) Nil
Risk
It is a completely safe product There is no probability of capital loss.
Return
Return obtained is fixed. Return obtained is 8.8% for 10 years and 8.5% for 6 year
Taxation
Interest is taxable No TDS on return
Liquidity
No withdrawal can be made before 6 years or 10 years as per the scheme selected.
TAX saving Fixed Deposit More About Scheme Minimum Investment in a year Maximum Investment in a year Hidden Costs
Risk
Completely safe No possibility of principle loss
Return
7%-8%.Compounded yearly- varies among banks
Taxation
Interest is taxed. No TDS
These deposits are similar to the bank deposits Rs 100 Rs 150000 Nil
There is a lock-in period of 5 years. Liquidity
No withdrawal before 5 years
ULIP (Unit Linked Insurance Plan) More About Scheme Minimum Investment in a year Maximum Investment in a year
Hidden Costs Risk
ULIP is a investment plan with life insurance Any amount above Rs 100( Varies among Insurance companies) No Upper limit(However deduction only up to Rs.1,50,000) Lot of Costs like Agent’s commission, Admin costs etc
There is a possibility capital loss
Return
Returns depend on the market conditions.
Taxation
Return is taxable at the time of maturity No TDS on returns There is a lock-in period of 5 years.
Liquidity
No withdrawal before 5 years
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