Best ELSS Tax Saving Funds 2026
Save up to ₹46,800 in taxes under Section 80C while building long-term wealth. AI-ranked ELSS picks with the shortest 80C lock-in (3 years) and the highest long-term return potential.
View Top ELSS Picks₹46,800 Tax Saved
Up to ₹1.5L invested × 30% slab
12–15% CAGR
Historical long-term returns
3-Year Lock-In
Shortest among all 80C options
ELSS vs PPF vs NPS — quick comparison
| Instrument | Lock-in | Avg Returns | Taxation |
|---|---|---|---|
| ELSS | 3 years | 12–15% CAGR | 12.5% LTCG >₹1.25L |
| PPF | 15 years | 7.1% | Fully tax-free |
| NPS | Till 60 | 9–11% | 60% tax-free at exit |
ELSS investments are subject to market risks. The 3-year lock-in is per installment for SIP. Tax benefits assume the old regime — verify with your CA. Plan Future AI is an AMFI-registered Mutual Fund Distributor (ARN-194809), not a SEBI-registered Investment Advisor.