{"id":251274,"date":"2026-09-24T09:10:28","date_gmt":"2026-09-24T09:10:28","guid":{"rendered":"https:\/\/businesnewswire.com\/?p=224875"},"modified":"2026-09-24T09:10:28","modified_gmt":"2026-09-24T09:10:28","slug":"tax-saving-elss-mutual-funds-maximising-section-80c-deductions-via-an-easy-investing-app","status":"publish","type":"post","link":"https:\/\/ipsnews.net\/business\/2026\/09\/24\/tax-saving-elss-mutual-funds-maximising-section-80c-deductions-via-an-easy-investing-app\/","title":{"rendered":"Tax-Saving ELSS Mutual Funds: Maximising Section 80C Deductions via an Easy Investing App"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">An equity-oriented investment scheme from which the investors who have invested as per eligibility conditions can avail deduction under Income Tax Act, 1961 under Section 80C of the Act. ELSS can be a good option for tax planning as well as market-linked wealth creation as they have a relatively short lock-in period of three years as against certain traditional tax saving investments. But it is not guaranteed that the returns will be earned as the underlying portfolio is susceptible to equity market fluctuations. Before investing in ELSS for financial goals, investors should be aware of the tax rules, lock-in period, risk and investment process.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>What are ELSS mutual funds?<\/b><b>\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">ELSS is one of the types of equity-oriented <\/span><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.fivepaisa.tradebetter\"><span style=\"font-weight: 400;\">mutual funds<\/span><\/a><span style=\"font-weight: 400;\"> which are invested predominantly in equity and equity related securities. They are subject to a 3-year lock-in period for each investment. <\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Depending on the choice of investment facilities offered by the fund, an investor can either invest lump sum or in a Systematic Investment Plan (SIP). A SIP is considered to be a separate investment in lock-in terms in each instalment.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>How Section 80C deduction works with ELSS<\/b><b>\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Investments made in ELSS may be eligible for tax regime deduction under Section 80C as per the overall ELSS investment limit and tax regime conditions. The deduction is not an extra allowance that can be claimed in addition to the combined Section 80C allowance. <\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The total limit of Section 80C deduction for the financial year is \u20b91.5 lakh for eligible investments and payments made during the financial year under this provision. This cap is distributed between the various instruments and expenses that qualify for the investment, and that is why investors should take their current deductions into account before making a specific investment to use up the limit.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>Why ELSS can be considered for tax planning<\/b><b>\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">ELSS can serve two purposes: tax planning and market-linked investment. The three-year lock-in is shorter than the lock-in associated with several other tax-saving products.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Other potential features include:<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equity-oriented investment exposure.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Three-year mandatory lock-in.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Eligibility for Section 80C deduction under applicable conditions.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SIP and lump-sum investment options, where offered.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Potential for long-term capital appreciation.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">However, market-linked returns are subject to fluctuations. Past performance does not guarantee future results, so investors should assess their risk tolerance before investing.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>Using an investing app for ELSS investments<\/b><b>\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">An<\/span> <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.fivepaisa.tradebetter\"><span style=\"font-weight: 400;\">investing app<\/span><\/a> <span style=\"font-weight: 400;\">can simplify the process of researching and investing in ELSS. Digital platforms may allow investors to compare available schemes, review fund information and track investments from a single interface.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Before investing, users should examine information such as the fund&#8217;s investment objective, portfolio composition, expense ratio, historical performance, risk level and fund-management approach.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The convenience of an app should not replace due diligence. Investors should understand what they are purchasing and review the scheme-related documents before committing money.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>SIP vs lump-sum investment in ELSS<\/b><b>\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Investors can consider either SIPs or lump-sum investments, depending on their cash flow and tax-planning needs.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A lump-sum investment may be suitable for someone who has surplus funds available and wants to make a tax-saving investment during the financial year. A SIP spreads investments across multiple instalments and may help investors invest regularly.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, each SIP instalment has its own three-year lock-in. Therefore, investors should not assume that the entire SIP portfolio becomes redeemable three years after starting the SIP.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>How to choose an ELSS fund<\/b><b>\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Selecting an ELSS fund requires more than comparing recent returns. Investors should consider multiple factors before making a decision.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>Review investment strategy<\/b><b>\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Understand whether the scheme primarily focuses on large-cap companies, mid-cap companies, diversified equities or a particular investment approach. The strategy should align with your investment horizon and risk tolerance.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>Examine historical performance<\/b><b>\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Past performance can provide context about how a fund has performed across different market conditions. However, it should not be treated as a guarantee of future returns.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>Check expense ratio<\/b><b>\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The expense ratio represents the expenses charged for managing the scheme. Comparing costs across suitable funds can help investors understand the impact of fund expenses on their investments.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>Consider risk and volatility<\/b><b>\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Since ELSS invests predominantly in equities, its value can fluctuate significantly. Investors should be prepared to remain invested beyond the minimum lock-in if their financial goals require a longer horizon.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>Conclusion<\/b><b>\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">For those who are eligible, investing in ELSS can be helpful in terms of tax planning with the benefit of equity exposure and seeking Section 80C deductions. Investors should take into account the lock-in period, market risk and tax regime prior to investment, as well as the fund&#8217;s strategy and overall financial goals. Although the investment process is made more convenient by digital platforms, it is crucial to make informed decisions. The services that are offered on platforms like 5 paisa can be compared with other platforms available based on the features, services, and terms applicable to them.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>An equity-oriented investment scheme from which the investors who have invested as per eligibility conditions can avail deduction under Income Tax Act, 1961 under Section 80C of the Act. ELSS can be a good option for tax planning as well as market-linked wealth creation as they have a relatively short lock-in period of three years&#8230; <a href=\"https:\/\/ipsnews.net\/business\/2026\/09\/24\/tax-saving-elss-mutual-funds-maximising-section-80c-deductions-via-an-easy-investing-app\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":344,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[374],"tags":[],"class_list":["post-251274","post","type-post","status-publish","format-standard","hentry","category-ipsnews"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tax-Saving ELSS Mutual Funds: Maximising Section 80C Deductions via an Easy Investing App - Business<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ipsnews.net\/business\/2026\/09\/24\/tax-saving-elss-mutual-funds-maximising-section-80c-deductions-via-an-easy-investing-app\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tax-Saving ELSS Mutual Funds: Maximising Section 80C Deductions via an Easy Investing App - Business\" \/>\n<meta property=\"og:description\" content=\"An equity-oriented investment scheme from which the investors who have invested as per eligibility conditions can avail deduction under Income Tax Act, 1961 under Section 80C of the Act. 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ELSS can be a good option for tax planning as well as market-linked wealth creation as they have a relatively short lock-in period of three years... 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