{"id":25622540,"date":"2025-08-29T17:00:27","date_gmt":"2025-08-29T11:30:27","guid":{"rendered":"https:\/\/entri.app\/blog\/?p=25622540"},"modified":"2026-06-01T13:15:58","modified_gmt":"2026-06-01T07:45:58","slug":"mutual-fund-tax-saving","status":"publish","type":"post","link":"https:\/\/entri.app\/blog\/mutual-fund-tax-saving\/","title":{"rendered":"Can Investing in Mutual Fund Help You Save Taxes in India? (Complete Guide)"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a1e520b4d8c6\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a1e520b4d8c6\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/entri.app\/blog\/mutual-fund-tax-saving\/#Key_Takeaways\" >Key Takeaways<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/entri.app\/blog\/mutual-fund-tax-saving\/#What_are_Mutual_Funds\" >What are Mutual Funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/entri.app\/blog\/mutual-fund-tax-saving\/#Can_Investing_in_Mutual_Funds_Help_You_Save_Taxes_in_India_Complete_Guide\" >Can Investing in Mutual Funds Help You Save Taxes in India? (Complete Guide)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/entri.app\/blog\/mutual-fund-tax-saving\/#What_is_ELSS_Equity_Linked_Savings_Scheme\" >What is ELSS (Equity Linked Savings Scheme)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/entri.app\/blog\/mutual-fund-tax-saving\/#How_Does_ELSS_Help_You_Save_Tax\" >How Does ELSS Help You Save Tax?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/entri.app\/blog\/mutual-fund-tax-saving\/#Benefits_of_Investing_in_ELSS\" >Benefits of Investing in ELSS<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/entri.app\/blog\/mutual-fund-tax-saving\/#Things_to_Keep_in_Mind_Before_Investing\" >Things to Keep in Mind Before Investing<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/entri.app\/blog\/mutual-fund-tax-saving\/#ELSS_vs_Other_Tax-Saving_Instruments\" >ELSS vs Other Tax-Saving Instruments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/entri.app\/blog\/mutual-fund-tax-saving\/#How_to_Start_Investing_in_ELSS\" >How to Start Investing in ELSS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/entri.app\/blog\/mutual-fund-tax-saving\/#Smart_Tax_Harvesting_with_ELSS\" >Smart Tax Harvesting with ELSS<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/entri.app\/blog\/mutual-fund-tax-saving\/#Common_Mistakes_ELSS_Investors_Make\" >Common Mistakes ELSS Investors Make<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/entri.app\/blog\/mutual-fund-tax-saving\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">Yes, investing in mutual funds \u2013 specifically ELSS (Equity Linked Savings Scheme) \u2013 can help you save up to \u20b946,800 in taxes every year under Section 80C of the Income Tax Act.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Unlike traditional instruments that force you to choose between saving taxes and growing wealth, ELSS does both simultaneously. With historically average returns of 12% to 16% and the shortest lock-in period among all Section 80C options, ELSS has become one of India&#8217;s most efficient tax-saving investment tools.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But before you rush to invest, there&#8217;s a critical heads up for you \u2013 ELSS tax benefits are available only under the old tax regime. If you&#8217;ve switched to the new tax regime, the Section 80C deduction doesn&#8217;t apply. This guide covers everything you need to make a well-informed decision in 2026.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Takeaways\"><\/span><b>Key Takeaways<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ELSS is the only mutual fund eligible for Section 80C, up to \u20b91.5 lakh\/year.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maximum annual tax saving is \u20b946,800 for the 30% bracket (including 4% cess).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lock-in period is 3 years, the shortest among 80C options.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">After lock-in, LTCG above \u20b91.25 lakh is taxed at 12.5%; gains below that are tax-free.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ELSS tax benefits apply only under the old tax regime.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Each SIP installment has its own 3-year lock-in from its investment date.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Historical ELSS returns are about 12\u201316% p.a., higher than PPF (~7\u20138%) and tax-saving FDs (~6\u20137%).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SIP investments start from \u20b9500\/month.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/course\/stock-market-course\/\" target=\"_blank\" rel=\"noopener\"><strong>Click here to learn more about mutual funds and ELSS from expert investors! Join Entri now!<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_Mutual_Funds\"><\/span><b>What are Mutual Funds?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Mutual funds are professionally managed investment vehicles that pool money from multiple investors and deploy it across stocks, bonds, or a mix of both. This is done based on the fund&#8217;s objective. A professional fund manager makes investment decisions on your behalf.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The key advantage? You get access to diversified, market-linked investments without needing deep expertise or large capital. SIPs (Systematic Investment Plans) make it even more accessible as you can start with as little as \u20b9500 per month. Among all mutual fund types, ELSS is the one that comes with built-in tax-saving potential.<\/span><\/p>\n<p>You might find it difficult to believe, but it is true! Mutual funds can not only help us build wealth but also help us save taxes. Equity Linked Savings Scheme (ELSS) is one of the schemes that stands out among other tax-saving mutual funds in India. As we discussed above, this scheme comes with dual benefits. They are:<\/p>\n<ul>\n<li>Tax deductions under Section 80C<\/li>\n<li>Potential market-linked growth<\/li>\n<\/ul>\n<p>ELSS has soon become a favoured choice among investors in India, especially after India\u2019s new tax regime. In this blog, we will dive deep into mutual fund tax savings, what ELSS is, how it works, its advantages, and comparisons with other instruments. We will also discuss practical steps for starting your investment journey.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25622622 size-full\" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/Benefits-of-Investing-in-ELSS-visual-selection-e1780295582413.webp\" alt=\"Benefits of Investing in ELSS\" width=\"810\" height=\"537\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/Benefits-of-Investing-in-ELSS-visual-selection-e1780295582413.webp 810w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/Benefits-of-Investing-in-ELSS-visual-selection-e1780295582413-300x199.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/Benefits-of-Investing-in-ELSS-visual-selection-e1780295582413-768x509.webp 768w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/Benefits-of-Investing-in-ELSS-visual-selection-e1780295582413-150x99.webp 150w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/Benefits-of-Investing-in-ELSS-visual-selection-e1780295582413-750x497.webp 750w\" sizes=\"auto, (max-width: 810px) 100vw, 810px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Can_Investing_in_Mutual_Funds_Help_You_Save_Taxes_in_India_Complete_Guide\"><\/span><strong>Can Investing in Mutual Funds Help You Save Taxes in India? (Complete Guide)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This is a very important question that comes to the mind of every beginner investor. Let us tackle this question from the very base level. Let us learn what mutual funds are first.<\/p>\n<div class=\"lead-gen-block\"><a href=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/mutual-fund_updated.pdf\" data-url=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/mutual-fund_updated.pdf\" class=\"lead-pdf-download\" data-id=\"25556854\">\n<p style=\"text-align: center;\"><button class=\"btn btn-default\">free download mUTUAL FUND course syllabus<\/button><\/p>\n<\/a><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_ELSS_Equity_Linked_Savings_Scheme\"><\/span><strong>What is ELSS (Equity Linked Savings Scheme)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Equity Linked Savings Scheme (ELSS) is a category of equity mutual fund. It is specially designed for achieving the purpose of tax savings. Let us learn more about the ELSS instrument.<\/p>\n<table>\n<thead>\n<tr>\n<td><strong>Feature<\/strong><\/td>\n<td><strong>Details<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Investment Focus<\/td>\n<td>Invests at least 80% in equities<\/p>\n<p>Diversified across sectors and market caps<\/td>\n<\/tr>\n<tr>\n<td>Lock-in Period<\/td>\n<td>Fixed 3-year lock-in<\/p>\n<p>Shortest among Section 80C options<\/td>\n<\/tr>\n<tr>\n<td>Tax Deduction<\/td>\n<td>Up to \u20b91.5 lakh deductible under Section 80C<\/p>\n<p>Max tax savings: \u20b946,800 (30% slab)<\/td>\n<\/tr>\n<tr>\n<td>Investment Modes<\/td>\n<td>Lump sum or SIP options available<\/p>\n<p>Flexible for all types of investors<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"How_Does_ELSS_Help_You_Save_Tax\"><\/span><strong>How Does ELSS Help You Save Tax?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Now you might be wondering, how does ELSS help us save tax? We will explain it in the simplest way possible. ELSS investors can claim deductions of up to \u20b91.5\u202flakh per financial year under Section 80C of the Income Tax Act. This reduces taxable income and hence lowers tax liability. For example, up to \u20b946,800 saved at a 30% tax rate, including cess. Then there is the fact that gains up to \u20b91 lakh are completely tax-free. After the 3-year lock-in, long-term capital gains (LTCG) beyond \u20b91 lakh in a year are taxed at 10% (no indexation benefit).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Benefits_of_Investing_in_ELSS\"><\/span><strong>Benefits of Investing in ELSS<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Let us take a look at some benefits of investing in ELSS.<\/p>\n<table>\n<thead>\n<tr>\n<td><strong>Benefit<\/strong><\/td>\n<td><strong>Details<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Shortest Lock\u2011In<\/td>\n<td>Only 3-year lock-in period<\/p>\n<p>More liquid than PPF (15 years) and FDs\/NSC (5 years)<\/td>\n<\/tr>\n<tr>\n<td>High Return Potential<\/td>\n<td>7, 10, and 15-year average returns ~15%<\/p>\n<p>Some reports show ~16.26% average returns<\/td>\n<\/tr>\n<tr>\n<td>Dual Benefit<\/td>\n<td>Saves tax under Section 80C<\/p>\n<p>Offers market-linked growth for long-term wealth creation<\/td>\n<\/tr>\n<tr>\n<td>Flexibility<\/td>\n<td>Choose between SIP or lump sum<\/p>\n<p>Open-ended; invest any time- SIPs support cost averaging<\/td>\n<\/tr>\n<tr>\n<td>Professional Management and Diversification<\/td>\n<td>Run by experienced fund managers<\/p>\n<p>Diversified across sectors and market caps- Lowers concentration risk<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<table width=\"468\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\" colspan=\"2\"><strong>Gain Financial Literacy in your Mother Tongue<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/course\/stock-market-course-in-malayalam\/\" target=\"_blank\" rel=\"noopener\">Stock Market Course in Malayalam<\/a><\/td>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/course\/mutual-funds-course-in-kerala\/\" target=\"_blank\" rel=\"noopener\">Mutual Funds Course in Malayalam<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/course\/stock-market-course-in-tamil\/\" target=\"_blank\" rel=\"noopener\">Stock Market Course in Tamil<\/a><\/td>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/course\/mutual-funds-course-in-tamil\/\" target=\"_blank\" rel=\"noopener\">Mutual Funds Course in Tamil<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/course\/stock-market-course\/\" target=\"_blank\" rel=\"noopener\">Stock Market Course<\/a><\/td>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/course\/mutual-funds-course\/\" target=\"_blank\" rel=\"noopener\">Mutual Funds Course<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Things_to_Keep_in_Mind_Before_Investing\"><\/span><strong>Things to Keep in Mind Before Investing<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25648739 \" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/17520.webp\" alt=\"Mutual Funds\" width=\"601\" height=\"401\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/17520.webp 1500w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/17520-300x200.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/17520-1024x683.webp 1024w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/17520-768x512.webp 768w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/17520-150x100.webp 150w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/17520-750x500.webp 750w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/17520-1140x760.webp 1140w\" sizes=\"auto, (max-width: 601px) 100vw, 601px\" \/><\/p>\n<h4><b>Market risk is real:<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">ELSS invests heavily in equities. Short-term NAV fluctuations are normal. Investors need a moderate-to-high risk appetite and should ideally stay invested beyond the 3-year lock-in for better outcomes.<\/span><\/p>\n<h4><b>SIP lock-in works differently:<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Each SIP instalment starts its own individual 3-year clock. If you invest via SIP from January 2026, your January 2026 instalment unlocks in January 2029, February 2026 instalment in February 2029, and so on.<\/span><\/p>\n<h4><b>Expense ratio matters:<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Even a 0.5% difference in expense ratio can meaningfully impact your net returns over 10+ years. Always compare this before choosing a fund.<\/span><\/p>\n<h4><b>Don&#8217;t invest only in March:<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Many people panic-invest in ELSS at the end of the year-end. Starting a SIP in April gives your money a full 12 months of compounding before you even claim the deduction.<\/span><\/p>\n<p>Even with all these benefits, there are some things that you should keep in mind while investing in ELSS. Some of them are discussed below.<\/p>\n<table>\n<thead>\n<tr>\n<td><strong>Consideration<\/strong><\/td>\n<td><strong>Details<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Market Risk<\/td>\n<td>Equity-heavy; returns may fluctuate<\/p>\n<p>Suitable for investors with risk tolerance<\/td>\n<\/tr>\n<tr>\n<td>Due\u2011Diligence<\/td>\n<td>Review past fund performance<\/p>\n<p>Check fund manager&#8217;s track record<\/p>\n<p>Evaluate expense ratio, Sharpe ratio, alpha &amp; beta<\/td>\n<\/tr>\n<tr>\n<td>Lock\u2011In Clarity<\/td>\n<td>Each SIP instalment is locked in for 3 years<\/p>\n<p>Plan withdrawals accordingly<\/td>\n<\/tr>\n<tr>\n<td>Tax Regime Shift<\/td>\n<td>New tax regime excludes Section 80C benefits<\/p>\n<p>ELSS less attractive if you\u2019ve opted for the new regime<\/td>\n<\/tr>\n<tr>\n<td>LTCG Implication<\/td>\n<td>Gains above \u20b91 lakh\/year taxed at 10%<\/p>\n<p>Consider tax while planning redemptions<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"ELSS_vs_Other_Tax-Saving_Instruments\"><\/span><strong>ELSS vs Other Tax-Saving Instruments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A table that compares ELSS vs other traditional tax-saving instruments is given below so that you can understand the concepts discussed in this blog better.<\/p>\n<table>\n<thead>\n<tr>\n<td><strong>Investment Option<\/strong><\/td>\n<td><strong>Lock\u2011in Period<\/strong><\/td>\n<td><strong>Risk Level<\/strong><\/td>\n<td><strong>Returns<\/strong><\/td>\n<td><strong>Tax Deduction (80C)<\/strong><\/td>\n<td><strong>Taxation on Gains<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>ELSS<\/td>\n<td>3 years<\/td>\n<td>High (Equities)<\/td>\n<td>~12\u201316% historically<\/td>\n<td>Up to \u20b91.5\u202flakh<\/td>\n<td>LTCG &gt; \u20b91\u202flakh taxed at 10%<\/td>\n<\/tr>\n<tr>\n<td>Public Provident Fund (PPF)<\/td>\n<td>15 years<\/td>\n<td>Low<\/td>\n<td>~7\u20138% (EEE)<\/td>\n<td>Up to \u20b91.5\u202flakh<\/td>\n<td>Fully tax-exempt<\/td>\n<\/tr>\n<tr>\n<td>Fixed Deposits (5\u2011yr Tax FD)<\/td>\n<td>5 years<\/td>\n<td>Low<\/td>\n<td>~6\u20137%<\/td>\n<td>Up to \u20b91.5\u202flakh<\/td>\n<td>Interest fully taxable<\/td>\n<\/tr>\n<tr>\n<td>National Savings Certificate (NSC)<\/td>\n<td>5 years<\/td>\n<td>Low<\/td>\n<td>~7\u20138%<\/td>\n<td>Up to \u20b91.5\u202flakh<\/td>\n<td>Interest is taxable (and reinvested)<\/td>\n<\/tr>\n<tr>\n<td>National Pension System (NPS)<\/td>\n<td>Until retirement<\/td>\n<td>Moderate\u2013High<\/td>\n<td>Market-linked (~7\u20138%)<\/td>\n<td>Up to \u20b91.5\u202flakh<\/td>\n<td>Tax on 60% of corpus at withdrawal<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div class=\"lead-gen-block\"><a href=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/mutual-fund_updated.pdf\" data-url=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/mutual-fund_updated.pdf\" class=\"lead-pdf-download\" data-id=\"25556854\">\n<p style=\"text-align: center;\"><button class=\"btn btn-default\">free download mUTUAL FUND course syllabus<\/button><\/p>\n<\/a><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Start_Investing_in_ELSS\"><\/span><strong>How to Start Investing in ELSS?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Now that we understand both benefits and risks involving ELSS, you must be wondering how you can start investing in ELSS. We have an answer for this question too.<\/p>\n<p>Learn how mutual fund tax savings through ELSS can help you reduce taxable income under Section 80C while building long-term wealth.<\/p>\n<table>\n<thead>\n<tr>\n<td><strong>Step<\/strong><\/td>\n<td><strong>Details<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Determine Your Investment Strategy<\/td>\n<td>Choose between <strong>lump sum<\/strong> or <strong>SIP<\/strong><\/p>\n<p>SIPs start as low as \u20b9500\/month<\/p>\n<p>Promote discipline and cost averaging<\/td>\n<\/tr>\n<tr>\n<td>Research Fund Options<\/td>\n<td>Compare past fund performance<\/p>\n<p>Evaluate fund manager&#8217;s track record<\/p>\n<p>Check risk measures and expense ratio<\/td>\n<\/tr>\n<tr>\n<td>KYC First<\/td>\n<td>Complete <strong>Know-Your-Customer (KYC)<\/strong> process<\/p>\n<p>Mandatory for all mutual fund investments<\/td>\n<\/tr>\n<tr>\n<td>Choose a Platform<\/td>\n<td>Invest through AMC websites, aggregators, or mobile apps<\/p>\n<p>Pick between <strong>growth<\/strong> and <strong>dividend<\/strong> options<\/td>\n<\/tr>\n<tr>\n<td>Monitor &amp; Hold<\/td>\n<td>Stay invested even after lock-in for better returns<\/p>\n<p>Regularly monitor fund performance and rebalance if needed<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Smart_Tax_Harvesting_with_ELSS\"><\/span><b>Smart Tax Harvesting with ELSS<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Tax harvesting is a legal strategy to optimize your tax liability every year. Here&#8217;s how it works with ELSS:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After the 3-year lock-in, identify units with gains below \u20b91.25 lakh. Redeem them to &#8220;book&#8221; tax-free gains, then reinvest the amount. This resets your cost base without triggering tax, effectively reducing your future taxable capital gains.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Best time to do this: Before March 31 each year to use the full \u20b91.25 lakh annual exemption.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Common_Mistakes_ELSS_Investors_Make\"><\/span><b>Common Mistakes ELSS Investors Make<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h4><b>Investing only at year-end:<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Starting your SIP in April instead of March gives you 12 additional months of compounding per year. Over a decade, this difference is significant.<\/span><\/p>\n<h4><b>Redeeming right after 3 years:<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Many investors treat ELSS as a 3-year FD. That&#8217;s a costly mistake. The fund&#8217;s equity nature means long-term holding (5\u20137+ years) is where real wealth is built.<\/span><\/p>\n<h4><b>Ignoring the tax regime:<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Investing in ELSS under the new tax regime and expecting a Section 80C benefit is a common misconception. Verify your tax regime before investing.<\/span><\/p>\n<h4><b>Not tracking SIP lock-ins:<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Trying to withdraw an entire SIP portfolio together often fails because some installments may still be within their 3-year period. Plan redemptions installment-wise.<\/span><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/course\/stock-market-course\/\" target=\"_blank\" rel=\"noopener\"><strong>Click here to learn more about the Entri Elevate stock trading course! Join now!<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">ELSS remains one of India&#8217;s most well-rounded tax-saving investment options, if you&#8217;re on the old tax regime. It delivers what most traditional instruments can&#8217;t: tax savings on entry, market-linked growth during the holding period, and a relatively short lock-in of just 3 years.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With LTCG gains up to \u20b91.25 lakh exempt from tax annually and historical returns consistently outperforming fixed-income alternatives, the case for ELSS is compelling for long-term equity investors. However, the shift toward India&#8217;s new tax regime has made the upfront tax deduction less accessible for a growing number of taxpayers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The right approach: evaluate your tax regime first, understand your risk appetite, start early in the financial year, invest via SIP, and stay invested well beyond the lock-in period. Tax saving should be a smart by-product of disciplined investing and not a last-minute rush.<\/span><\/p>\n<div dir=\"auto\">\n<table class=\"rel-table\">\n<tbody>\n<tr>\n<th style=\"text-align: center;\" colspan=\"2\">Related Articles<\/th>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/understanding-short-term-capital-gain-tax\/\" target=\"_blank\" rel=\"noopener noreferrer\">Understanding Short Term Capital Gain Tax<\/a><\/td>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/long-term-capital-gain-tax-on-shares\/\" target=\"_blank\" rel=\"noopener noreferrer\">Long Term Capital Gain Tax on Shares<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/can-investing-in-stocks-help-you-save-taxes\/\" target=\"_blank\" rel=\"noopener noreferrer\">Can Investing in Stocks Help You Save Taxes in India? (Complete Guide)<\/a><\/td>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/insurance-tax-saving-india-guide\/\" target=\"_blank\" rel=\"noopener noreferrer\">Can Investing in Insurance Help You Save Taxes in India?<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/how-to-file-income-tax-return-on-your-own\/\" target=\"_blank\" rel=\"noopener noreferrer\">How to File Income Tax Return (ITR) on Your Own<\/a><\/td>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/how-much-tax-should-you-pay-for-mutual-funds\/\" target=\"_blank\" rel=\"noopener noreferrer\">How Much Tax Should You Pay for Mutual Funds?<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/gst-on-share-trading\/\" target=\"_blank\" rel=\"noopener noreferrer\">GST on Share Trading<\/a><\/td>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/what-to-do-if-i-get-income-tax-notice\/\" target=\"_blank\" rel=\"noopener noreferrer\">What to do if I get income tax notice?<\/a><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/reasons-for-income-tax-notice\/\" target=\"_blank\" rel=\"noopener noreferrer\">Reasons for income tax notice<\/a><\/td>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/how-to-avoid-income-tax-notice\/\" target=\"_blank\" rel=\"noopener noreferrer\">How to avoid income tax notice<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div class=\"alert alert-warning\"><strong>Disclaimer:<\/strong>\u00a0The information provided in this article is for general informational purposes only and is not intended as investment advice, financial guidance, or an offer or solicitation to buy or sell any securities. Readers should conduct their own research or consult a qualified financial advisor before making any investment decisions. 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margin-bottom: -15px;\"> <div id=\"cf-turnstile-cf7-1359092054\" class=\"cf-turnstile\" data-sitekey=\"0x4AAAAAABVigxtkiZeGTu5L\" data-theme=\"light\" data-language=\"auto\" data-size=\"normal\" data-retry=\"auto\" data-retry-interval=\"1000\" data-action=\"contact-form-7\" data-appearance=\"always\"><\/div> <script>document.addEventListener(\"DOMContentLoaded\", function() { setTimeout(function(){ var e=document.getElementById(\"cf-turnstile-cf7-1359092054\"); e&&!e.innerHTML.trim()&&(turnstile.remove(\"#cf-turnstile-cf7-1359092054\"), turnstile.render(\"#cf-turnstile-cf7-1359092054\", {sitekey:\"0x4AAAAAABVigxtkiZeGTu5L\"})); }, 0); });<\/script> <br class=\"cf-turnstile-br cf-turnstile-br-cf7-1359092054\"> <style>#cf-turnstile-cf7-1359092054 { margin-left: -15px; }<\/style> <script>document.addEventListener(\"DOMContentLoaded\",function(){document.querySelectorAll('.wpcf7-form').forEach(function(e){e.addEventListener('submit',function(){if(document.getElementById('cf-turnstile-cf7-1359092054')){setTimeout(function(){turnstile.reset('#cf-turnstile-cf7-1359092054');},1000)}})})});<\/script> <\/div><br\/><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Submit\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n<\/div><\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Yes, investing in mutual funds \u2013 specifically ELSS (Equity Linked Savings Scheme) \u2013 can help you save up to \u20b946,800 in taxes every year under Section 80C of the Income Tax Act.\u00a0 Unlike traditional instruments that force you to choose between saving taxes and growing wealth, ELSS does both simultaneously. With historically average returns of [&hellip;]<\/p>\n","protected":false},"author":90,"featured_media":25648738,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[802,1904,1841,1867],"tags":[],"class_list":["post-25622540","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-entri-elevate","category-entri-skilling","category-stock-marketing"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mutual Fund Tax Savings - Entri Blog<\/title>\n<meta name=\"description\" content=\"Learn how mutual fund tax savings through ELSS can help you reduce taxable income under Section 80C while building long-term wealth.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/entri.app\/blog\/mutual-fund-tax-saving\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mutual Fund Tax Savings - Entri Blog\" \/>\n<meta property=\"og:description\" content=\"Learn how mutual fund tax savings through ELSS can help you reduce taxable income under Section 80C while building long-term wealth.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/entri.app\/blog\/mutual-fund-tax-saving\/\" \/>\n<meta property=\"og:site_name\" content=\"Entri Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/entri.me\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-29T11:30:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-01T07:45:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2025\/08\/Investing-in-Mutual-Funds_87.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"750\" \/>\n\t<meta property=\"og:image:height\" content=\"375\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Sreevidya M\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@entri_app\" \/>\n<meta name=\"twitter:site\" content=\"@entri_app\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sreevidya M\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/entri.app\/blog\/mutual-fund-tax-saving\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/entri.app\/blog\/mutual-fund-tax-saving\/\"},\"author\":{\"name\":\"Sreevidya M\",\"@id\":\"https:\/\/entri.app\/blog\/#\/schema\/person\/9f691436793528a81d4769f3fc0c62a8\"},\"headline\":\"Can Investing in Mutual Fund Help You Save Taxes in India? 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