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ELSS Lock-in vs Other 80C Options Calculator India

Compare illustrative ELSS, tax-saver FD and PPF values at their common statutory lock-in periods and over a shared 15-year horizon.

Written and reviewed by RupeeKit Editorial TeamLast reviewed 5 August 2026Report a correction
Indian saver planning three different Section 80C lock-in periods with folders and wooden timeline blocks
Indian saver planning three different Section 80C lock-in periods with folders and wooden timeline blocks

Educational estimate only

Results can vary based on company policy, lender terms, tax law, and personal assumptions.

See the Source and methodology section below for details.

Enter your values

Estimated results

ELSS value after 3-year lock-in

₹2,10,739

Tax-saver FD value after 5-year lock-in

₹2,10,383

PPF value after 15-year lock-in

₹4,19,695

ELSS value at common 15-year horizon

₹8,21,035

FD value at common 15-year horizon

₹4,13,855

ELSS minus PPF at 15 years

₹4,01,340

ELSS minus FD at 15 years

₹4,07,180

This calculator gives an educational estimate. Verify final numbers with your payslip, lender, tax advisor or official source.

Result visual

Relative view of your key outputs. Exact values are listed with each bar.

Inputs used in this result
Section 80C investment
1,50,000 Rs
Expected ELSS annual return
12 %
Expected PPF annual return
7.1 %
Expected tax-saver FD annual return
7 %

Share/print output contains user-entered values and educational estimates only. Verify important decisions with the relevant official source or professional.

💡 Educational Estimates Only

This visual breakdown and compounding model is for educational understanding only. Actual outcomes can vary depending on interest accrual dates, taxation brackets, processing fees, and individual employer/lender terms.

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ELSS lock-in vs 80C alternatives

Quick Answer

What does this ELSS comparison model? It compares illustrative values and lock-in horizons for ELSS, PPF and tax-saver FD assumptions. It is an 80C-option comparison, not a general mutual-fund SIP projection.

ELSS is market-linked and returns are not guaranteed. Tax eligibility and product rules should be verified for the applicable financial year.

Answer Engine Summary

This calculator estimates ELSS value after 3-year lock-in, Tax-saver FD value after 5-year lock-in, PPF value after 15-year lock-in, and ELSS value at common 15-year horizon using Section 80C investment, Expected ELSS annual return, Expected PPF annual return, and Expected tax-saver FD annual return. Compounds a single investment at the entered return assumptions for the fixed 3-year ELSS, 5-year tax-saver FD and 15-year PPF lock-ins, then compares all three at 15 years. Results are educational estimates only and should be verified with official records, lender statements, payroll data, or filing utilities where applicable.

Formula used

Compounds a single investment at the entered return assumptions for the fixed 3-year ELSS, 5-year tax-saver FD and 15-year PPF lock-ins, then compares all three at 15 years.

Example calculation

The native lock-in outputs show when each option first becomes accessible; the 15-year outputs provide a like-for-like compounding horizon.

ELSS belongs to the tax-saving comparison intent

The page is intentionally about lock-in, return assumptions and the trade-offs among 80C routes. Users looking only for a monthly mutual-fund corpus projection should use the SIP page instead.

Source and methodology

Last reviewed: August 2026

This calculator uses the formula and assumptions described on this page. Compounds a single investment at the entered return assumptions for the fixed 3-year ELSS, 5-year tax-saver FD and 15-year PPF lock-ins, then compares all three at 15 years. Values are calculated in-browser from user-entered inputs and are not saved by default. Verify tax, regulatory, lender, scheme or product rules with the relevant official source where applicable.

Educational estimate only. RupeeKit does not provide personalized financial, investment, legal, tax or loan advice.

Related calculators and guides

You can cross-check this estimate using: salary in-hand calculator, Old vs New Tax Regime Calculator, 80C deduction calculator, EMI calculator, ITR-2 filing guide, emergency fund guide.

When this tool is useful

  • When you want a fast estimate before making a financial or salary decision.
  • When you want to compare different assumptions in seconds.
  • When you want to understand the formula behind the result.

Calculator Facts

TopicRupeeKit explanation
Calculation typeFormula-based educational estimate from user-entered values
Key inputsSection 80C investment, Expected ELSS annual return, and Expected PPF annual return
Primary outputsELSS value after 3-year lock-in, Tax-saver FD value after 5-year lock-in, and PPF value after 15-year lock-in
Method referenceCompounds a single investment at the entered return assumptions for the fixed 3-year ELSS, 5-year tax-saver FD and 15-year PPF lock-ins, then compares all three at 15 years.
PrivacyValues are processed in the browser and are not saved by default.

FAQs

Is ELSS return guaranteed after three years?

No. ELSS is market-linked, and the 3-year lock-in is not a promised return period. Value can be above or below the investment.

Are these post-tax maturity values?

No. The calculator compares pre-tax compounding assumptions. Interest and capital-gains treatment can differ across ELSS, PPF and tax-saver FDs.

Is the ELSS page another SIP calculator?

No. Its primary purpose is to compare ELSS with other Section 80C options and their different lock-in periods, not to estimate a generic monthly SIP corpus.

Does the shorter ELSS lock-in mean lower risk?

No. Lock-in length and investment risk are different concepts. ELSS is market-linked and can fluctuate even after its statutory lock-in ends.