Equity Linked Savings Scheme (ELSS) Public Provident Fund (PPF) National Savings Certificate VII Issue (NSC) Bank Tax Savings Fixed Deposits
Value of
Lock-in Period
3 15 5/10 5
Rate of
13.13% p.a.^ 7.8% p.a. 7.8% p.a. 6% p.a.
Tax Status
on Returns
Tax - Free Tax - Free Taxable Taxable
Investment U/S 80C
1,50,000 1,50,000 1,50,000 1,50,000
Potential for
^ELSS Category Average, as on 30th Nov, 2017. Source: Morningstar Direct. PPF and NSC, source: India Post. Bank Fixed Deposit source SBI.
Note: Unlike PPF, NSC & Bank FD’s investments in Mutual Funds are subject to market risks #.

Key Benefits

Potential to earn

Earn market
linked returns

Low lock-in


Save up on

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Checklist to help you become a Tax Guru**

** Click Here to know the performance of the schemes and other schemes managed by the fund manager.
*Tax saving of Rs. 46,350 on investments is calculated assuming that qualifying amount of deduction is Rs. 1.50 Lakh and the Individual/HUF falls in the top income slab of 30% under Section 80C of the Income-tax Act, 1961 (Includes the applicable cess). 15% surcharge will be taken into account which is applicable if the income of the investor is over Rs. 1 Crore. As per Finance Act, 2017, surcharge at 10% is to be levied if the income of investor exceeds Rs. 50 lakhs but does not exceed Rs. 1 crore. Further, Investment in ELSS schemes is subject to lock in period of 3 years from the date of allotment of units.
Investors are advised to consult their tax advisor in view of individual nature of tax benefit. Investors are requested to note that tax laws may change from time to time and there can be no guarantee that the current tax position may continue in the future.
Note: The comparison of ELSS Vs other traditional savings instruments has been given for the purpose of the general information only. Investment in ELSS carry higher risk, does not guarantee returns and any investment decision needs to be taken only after consulting the Tax Consultant or Financial Advisor. Aditya Birla Sun Life Mutual Fund / Aditya Birla Sun Life AMC Limited will not accept any liability/ responsibility/loss incurred on any investment decision taken on the basis of this information.
# Past performance may or may not be sustained in future. Partial PPF withdrawals are allowed from 6th Financial Year. Source: Indiapost
For PPF: Interest rate of 7.8% p.a. w.e.f 01.07.2017. Partial withdrawals are allowed from the 6th financial year, however the full amount can be withdrawn after 15 years. Source: For NSC: NSC VIII Issue (5 years): Interest rate of 7.8% per annum w.e.f. 01.07.2017 Source: For Bank FD's: 6% per annum (Deposits Below Rupees One Crore), from 5 years up to 10 years w.e.f. from 01.11.2017 and 5.25% (Deposits Rs.1 Crore To Rs. 10 Crores) w.e.f. from 30.11.2017.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully

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