| Investment option |
Return |
Lock-in period |
risk |
Liquidity |
tax benefits |
What should be considered |
| ELSS Funds |
Market connected (capacity for higher returns) |
3 years |
Medium to high |
Medium (after lock-in) |
Tax deduction up to ₹ 1.5 lakh, LTCG tax on profit above ₹ 1 lakh/year |
Development-oriented investor, long-term investor, comfortable with risk |
| Public Provident Fund) |
Fixed (government interest rate) |
15 years |
Less |
Low |
Tax deduction up to ₹ 1.5 lakh, interest and maturity amount tax-free |
Risk discourse investors who want guaranteed returns, retirement scheme |
| National pension system) |
Market-Linked (Equity, Corporate Loan, G-SEC) |
Until retirement |
medium |
Very low (annuity on maturity) |
Tax deduction ₹ 1.5 lakhs (80ccD (1B) additional (50k), tax on maturity tax |
Retirement plan, long -term investors, additional tax benefits |
| Fixed deposit (5 years+) |
Prescribed interest rate |
5 years |
Very little |
Low (premature return penalty) |
Tax deduction up to ₹ 1.5 lakh, interest taxable according to income tax slab |
Risk discourse investor, short-term target |
| NSC (National Savings Certificate) |
Fixed (government interest rate) |
5 years |
Less |
Low (permission for pre -encashment) |
Tax deduction up to ₹ 1.5 lakh, interest taxable according to income tax slab |
Risk discourse investor |
T) Finance (T) Tax Benefits (T) Investment Strategies (T) SIP (T) Long -term Investment (T) ELSS Mutual Fund (T) Tax Scheme (T) High Return (T) Financial Planning (T) Risk (T. ) Risk Management (T) Portfolio Diversification (T) Best ELSS Fund 2024 (T) Tax Mutual Fund (T) ELSS Investment Guide (T) for beginning with high returns in India for tax savings in India
