Tax Saving SIP

Tax Saving SIPs (Systematic Investment Plans) in Equity Linked Savings Schemes (ELSS), offer a compelling blend of financial growth and tax efficiency. These investment vehicles allow you to invest a fixed amount of money regularly into equity mutual funds while simultaneously enjoying significant tax benefits under Section 80C of the Income Tax Act. By strategically allocating a portion of your income towards ELSS funds, you can not only reduce your tax liability but also potentially build a substantial investment portfolio over the long term.

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Best SIP Funds

Tax Saving FundsLarge Cap Low Return FundsMid Cap Mid Return FundsMulti CapDebt FundsShariah FundsBalanced Funds
Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹10,413

NAV

₹167.12

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.2 20.31 18.22 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,390

NAV

₹72.2

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.1 15.5 15.4 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,938

NAV

₹69.67

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.47 16.55 15.38 %

View Fund
Instant tax receipt
AUM (Cr)

₹4,911

NAV

₹81.5

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.75 13.96 14.45 %

View Fund
Instant tax receipt
AUM (Cr)

₹390

NAV

₹67.31

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.89 13.34 14.45 %

View Fund
Instant tax receipt
AUM (Cr)

₹4,350

NAV

₹68.28

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.39 14.52 14.32 %

View Fund
Instant tax receipt
AUM (Cr)

₹31,034

NAV

₹77.55

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.6 14.6 14.2 %

View Fund
Instant tax receipt
AUM (Cr)

₹189

NAV

₹47.83

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.77 14.11 13.91 %

View Fund
Instant tax receipt
AUM (Cr)

₹119

NAV

₹55.27

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.01 13.89 13.73 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,181

NAV

₹40.73

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.75 12.53 13.62 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,390

NAV

₹72.2

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.1 15.5 15.4 %

View Fund
AUM (Cr)

₹2,938

NAV

₹69.67

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.47 16.55 15.38 %

View Fund
AUM (Cr)

₹390

NAV

₹67.31

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.89 13.34 14.45 %

View Fund
AUM (Cr)

₹4,350

NAV

₹68.28

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.39 14.52 14.32 %

View Fund
AUM (Cr)

₹189

NAV

₹47.83

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.77 14.11 13.91 %

View Fund
AUM (Cr)

₹119

NAV

₹55.27

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.01 13.89 13.73 %

View Fund
AUM (Cr)

₹3,181

NAV

₹40.73

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.75 12.53 13.62 %

View Fund
AUM (Cr)

₹6,732

NAV

₹151.94

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.88 13.68 13.49 %

View Fund
AUM (Cr)

₹2,751

NAV

₹65.78

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.97 11.84 12.8 %

View Fund
AUM (Cr)

₹1,805

NAV

₹55.53

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.47 11.4 12.25 %

View Fund
AUM (Cr)

₹10,413

NAV

₹167.12

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.2 20.31 18.22 %

View Fund
AUM (Cr)

₹4,911

NAV

₹81.5

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.75 13.96 14.45 %

View Fund
AUM (Cr)

₹31,034

NAV

₹77.55

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.6 14.6 14.2 %

View Fund
AUM (Cr)

₹9,240

NAV

₹64.79

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21 21.26 22 %

View Fund
AUM (Cr)

₹11,912

NAV

₹118.16

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.85 21.86 19.06 %

View Fund
AUM (Cr)

₹938

NAV

₹72.94

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.64 14.64 15.08 %

View Fund
AUM (Cr)

₹11,956

NAV

₹69.48

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.27 13.51 13.5 %

View Fund
AUM (Cr)

₹982

NAV

₹54.4

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.88 13.1 13.03 %

View Fund
AUM (Cr)

₹3,110

NAV

₹59.33

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.3 12.8 12.6 %

View Fund
AUM (Cr)

₹464

NAV

₹56.13

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.12 11.75 11.47 %

View Fund
AUM (Cr)

₹212

NAV

₹27.52

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.55 9.45 10.34 %

View Fund
AUM (Cr)

₹868

NAV

₹41.28

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.68 7.04 7.28 %

View Fund
AUM (Cr)

₹535

NAV

₹38.67

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.3 7 7 %

View Fund
AUM (Cr)

₹122

NAV

₹30.38

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.95 6.71 6.88 %

View Fund
AUM (Cr)

₹74

NAV

₹41.71

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.48 6.62 6.81 %

View Fund
AUM (Cr)

₹17,276

NAV

₹50.48

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.32 6.45 6.6 %

View Fund
AUM (Cr)

₹170

NAV

₹47.36

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 4.66 6.14 6.59 %

View Fund
AUM (Cr)

₹92

NAV

₹39.39

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.25 6.65 6.57 %

View Fund
AUM (Cr)

₹1,107

NAV

₹47.19

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.71 6.45 6.57 %

View Fund
AUM (Cr)

₹1,721

NAV

₹44.07

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.35 6.15 6.44 %

View Fund
AUM (Cr)

₹843

NAV

₹100.61

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 15.06 16.01 15.54 %

View Fund
AUM (Cr)

₹330

NAV

₹47.66

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.85 10.34 10.44 %

View Fund
AUM (Cr)

₹4,587

NAV

₹39.51

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.86 9.35 10.1 %

View Fund
AUM (Cr)

₹59

NAV

₹60.3

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.56 9.14 9.96 %

View Fund
AUM (Cr)

₹424

NAV

₹102.5

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.5 9.18 9.9 %

View Fund
AUM (Cr)

₹743

NAV

₹39.66

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.6 9.76 9.85 %

View Fund
AUM (Cr)

₹19,525

NAV

₹71.76

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.08 9 9.72 %

View Fund
AUM (Cr)

₹6,276

NAV

₹107.87

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.56 9.19 9.56 %

View Fund
AUM (Cr)

₹248

NAV

₹30.88

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.94 9.09 9.54 %

View Fund
AUM (Cr)

₹695

NAV

₹31.13

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.34 8.5 9.43 %

View Fund
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Best Tax Saving SIP Mutual Funds in India≈

Below is the list of tax saver best SIP plans: 

Fund Name Risk 1Y Returns Fund Size(in Cr)
Bandhan Tax Advantage (ELSS) Fund Very High 16.8% ₹5,160
Bank of India Tax Advantage Fund Very High 36.3% ₹951
Canara Robeco Equity Tax Saver Fund Very High 11.6% ₹6,041
DSP ELSS Tax Saver Fund Very High 18.3% ₹16,610
DSP Tax Saver Fund Very High 19.1% ₹11,693
HDFC ELSS Tax Saver Fund Very High 15.7% ₹15,728
Mahindra Manulife ELSS Fund Very High 16.4% ₹658
Mirae Asset Tax Saver Fund Very High 19.9% ₹18,842
Motilal Oswal ELSS Tax Saver Fund Very High 25.7% ₹4,414
Parag Parikh ELSS Tax Saver Fund Moderately High 17.1% ₹4,506
Parag Parikh Tax Saver Fund Moderately High 23.8% ₹2,137
Quant ELSS Tax Saver Fund Very High 4.0% ₹10,512
SBI Long-Term Equity Fund Very High 20.1% ₹27,791

Disclaimer: ≈ Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is done in alphabetical order (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in

What are Tax Saving SIPs?

Tax Saving SIPs, short for Systematic Investment Plans in Equity Linked Savings Schemes (ELSS), are a popular investment option in India. ELSS funds are a type of mutual fund that primarily invests in equities.

  • How they work: You invest a fixed amount of money regularly (monthly, quarterly, etc.) into an ELSS fund.
  • SIP Tax Benefits: The biggest advantage is the tax deduction under Section 80C of the Income Tax Act. You can claim a deduction of up to ₹1.5 lakhs per year on your investments in ELSS funds. This helps reduce your taxable income and, consequently, your tax liability.
  • Lock-in Period: ELSS funds have a mandatory lock-in period of 3 years. This means you cannot withdraw your investments before the completion of 3 years from the date of investment.

SIP Calculator

I want to invest Pro Tip
Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth
/Month
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
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Total Wealth ₹1.03 Cr
View Plans
I want to save
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
Years
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
Equity Pension
12.68%
Equity Pension
Opportunities Fund
14.2%
Opportunities Fund
High Growth Fund
19.06%
High Growth Fund
Opportunities Fund
12.6%
Opportunities Fund
Multi Cap Fund
22%
Multi Cap Fund
Accelerator Mid-Cap Fund II
14.45%
Accelerator Mid-Cap Fund II
Multiplier
16.15%
Multiplier
Frontline Equity Fund
14.32%
Frontline Equity Fund
Virtue II
15.38%
Virtue II
Equity II Fund
10.66%
Equity II Fund
Blue-Chip Equity Fund
10.57%
Blue-Chip Equity Fund
Growth Opportunities Plus Fund
15.08%
Growth Opportunities Plus Fund
Equity Top 250 Fund
11.47%
Equity Top 250 Fund
Future Apex Fund
13.73%
Future Apex Fund
Pension Dynamic Equity Fund
11.4%
Pension Dynamic Equity Fund
Accelerator Fund
13.91%
Accelerator Fund

Who Should Save in Tax Saving SIPs?

Tax Saving SIPs can be a suitable investment option for a wide range of individuals, especially those who:

  • Fall under the tax bracket: Individuals who fall under the tax bracket and are looking to reduce their tax burden can benefit significantly from investing in ELSS funds.
  • Have a long-term investment horizon: Since ELSS funds have a lock-in period of 3 years, they are most suitable for individuals with a long-term investment horizon of at least 5-7 years or more.
  • Seek equity exposure: Individuals who are comfortable with the inherent risks associated with equity investments and are looking to build long-term wealth can consider investing in ELSS funds.
  • Prefer systematic investing: SIPs promote disciplined investing by encouraging regular contributions, making them suitable for individuals who prefer a systematic approach to investing.
start-an-sip-today-watch-your-money-grow start-an-sip-today-watch-your-money-grow

Factors to Be Considered While Investing in ELSS Funds

  • Fund Performance: Choose funds with a strong track record of delivering consistent returns over the long term. Analyze their past performance, risk profile, and investment strategy.
  • Fund Manager's Expertise: Research the experience and track record of the fund manager. A skilled fund manager can make a significant difference in the fund's performance.
  • Expense Ratio: Compare the expense ratios of different ELSS funds. Lower expense ratios generally translate to higher returns for investors.
  • Investment Objectives: Align your investment objectives with the fund's investment objectives. For example, if your goal is long-term wealth creation, choose a fund that focuses on growth.
  • Risk Tolerance: Assess your risk tolerance before investing. Equity investments carry market risk, and ELSS funds are no exception.

Benefits of Tax Saving SIPs

  • Tax Savings: The primary benefit is the tax deduction under Section 80C, which helps reduce your tax liability.
  • Long-term Wealth Creation: Equity investments have historically outperformed other asset classes over the long term. By investing in ELSS funds through SIPs, you can benefit from the potential for long-term wealth creation.
  • Power of Compounding: Regular investments through SIPs allow you to benefit from the power of compounding, where your returns earn returns, leading to significant wealth growth over time.
  • Disciplined Investing: SIPs promote disciplined investing by encouraging regular contributions, helping you stay on track with your investment goals.
  • Rupee Cost Averaging: By investing a fixed amount at regular intervals, you automatically buy more units when the market is down and fewer units when the market is high, which can help you average out your investment cost over time.

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Conclusion 

Tax Saving SIPs present a valuable opportunity for individuals seeking a combination of tax benefits and long-term wealth creation. By investing systematically in equity-oriented funds, you can harness the power of compounding and potentially achieve significant returns. However, it's crucial to carefully consider factors such as fund performance, fund manager expertise, and your own risk tolerance before making investment decisions. Remember that ELSS funds have a mandatory lock-in period of 3 years, so they are most suitable for investors with a long-term investment horizon. By conducting thorough research and aligning your investment strategy with your financial goals, you can effectively leverage Tax Saving SIPs to build a strong financial future while optimizing your tax savings.

FAQs

  • Are ELSS funds better than mutual funds?

    ELSS funds differ from regular mutual funds due to their tax-saving benefits and mandatory lock-in period. Investors seeking a combination of investment growth and tax savings can consider ELSS funds.

  • Are ELSS funds tax-free after 3 years?

    The taxation of ELSS funds depends on redemption. For instance, if ₹3 lakh is redeemed, ₹1.5 lakh is exempted under tax deduction criteria, leaving ₹1.5 lakh as taxable income.

  • What are the drawbacks of ELSS funds?

    ELSS funds come with two main risks:
    • Liquidity Risk: Funds cannot be withdrawn before the 3-year lock-in period.
    • Market Risk: Since they primarily invest in equities, returns are not guaranteed.

  • How long do ELSS funds' tax benefits last?

    The tax benefits of ELSS funds are applicable throughout their 3-year lock-in period.

  • Who should avoid investing in ELSS funds?

    ELSS funds are ideal for long-term investors. If you have a short-term investment horizon, these funds may not be suitable for you.

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Systematic Withdrawal Plan - SWP
Systematic Withdrawal Plan - SWP
  • 22 Jun 2023
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A Systematic Withdrawal Plan (SWP) is a mutual fund feature that enables regular, fixed withdrawals from your
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Invest ₹10K/Month & Get ₹1 Crore# Tax-Free*
*under 10(10D)

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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Disclaimer:#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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*under 10(10D)

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