Compare ELSS, PPF, NPS, ULIP and tax-saving FDs on returns, lock-in and post-tax outcome to pick the right ₹1.5 L deduction strategy.
| Option | Lock-in | Expected return | Risk |
|---|---|---|---|
| ELSS | 3 yr | 12–14% | Equity |
| PPF | 15 yr | 7.1% | Sovereign |
| NPS | Till 60 | 9–11% | Mixed |
| Tax-saving FD | 5 yr | 6.5–7% | Bank |
For most working professionals: max ELSS first (shortest lock-in, highest return), then PPF for the debt allocation, NPS only if you're sure about retirement-linked withdrawal rules.
Book a free 1-on-1 consultation with Mahaveer Jain — trusted financial advisor in Bastar.
Mahaveer Jain is the Founder of Bhavya Investments with 25+ years of experience helping families across Bastar and Chhattisgarh with mutual funds, SIPs, insurance, retirement and property planning.
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