What components make up Section 80C deductions?

Eligible components include PPF contributions, EPF contributions, ELSS mutual funds, life insurance premiums, National Savings Certificates (NSC), home loan principal repayment, Senior Citizen Savings Scheme (SCSS), and school tuition fees.

Is the Section 80C deduction limit of ₹1.5L applicable to the New Tax Regime?

No, Section 80C deductions are completely disallowed under the New Tax Regime. Salaried employees can only claim the standard deduction of ₹75,000 u/s 16(ia) in the New Regime.

How does the home loan principal repayment qualify for Section 80C?

The principal portion of your home loan EMI qualifies for deduction u/s 80C up to the ₹1.5L cap, provided the property is not sold within 5 years of acquisition.

Section 80C OptimizerFY 2026-27

Optimize your Section 80C limit - Identify the gap in PPF, ELSS, and Life Insurance to maximize tax savings.

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Regulatory Disclaimer · FY 2026-27

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.

Section 80C OptimizerFY 2026-27

Optimize your Section 80C limit - Identify the gap in PPF, ELSS, and Life Insurance to maximize tax savings.

Current Portfolio

EPF / VPF (₹)

Max: 150000

Public Provident Fund (₹)

Max: 150000

ELSS Mutual Funds (₹)

Max: 150000

Life Insurance (₹)

Max: 150000

Home Loan Principal / NSC (₹)

Max: 150000

The 80C Bucket

Think of Section 80C as a bucket that can hold only ₹1,50,000. Any investment beyond this limit is great for savings, but yields ZERO additional tax benefit.

Total 80C Portfolio

₹1,25,000

Limit: ₹1,50,000

Tax Savings Left on Table

₹25,000

Invest ₹25,000 more to save ~₹7,800 tax.

Total

₹1,25,000

Optimization Insight

You are losing out on significant tax benefits. Divert ₹2,083/month into an ELSS SIP or PPF to maximize your in-hand salary.

ELSS: High Return

PPF: High Safety

Financial Impact

Eligible Deduction

₹1,25,000

Maximum allowed by IT Dept

Approx. Tax Saved

₹39,000

Assuming 30% slab + Cess

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Documentation

Related Calculators

Income Tax Calculator

Old vs New Regime Advisor

Form 16 Gap Analyzer

IP Box Regime (Sec 115BBF) Calculator

Regulatory Disclaimer · FY 2026-27

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.