Skip to content
CredsirCredsir
Guide

Section 80C Investments

Every ₹1.5 lakh option ranked by return and lock-in.

Updated 17 August 2026
SectionLimitWhat it coversAvailable under
80C₹1,50,000EPF, PPF, ELSS, life insurance premium, principal on home loan, tuition fees, NSC, SSY, tax-saver FDOld only
80CCD(1B)₹50,000Additional NPS contribution, over and above the 80C limitOld only
80CCD(2)No capEmployer NPS contribution — up to 14% of salaryBoth
80D₹1,00,000Health insurance: ₹25,000 for self and family, ₹50,000 for senior citizen parentsOld only
80DD₹1,25,000Maintenance and medical treatment of a dependant with disabilityOld only
80DDB₹1,00,000Treatment of specified critical illnessesOld only
80ENo capFull interest on an education loan, for 8 years — no upper capOld only
80EEA₹1,50,000Additional home loan interest for affordable housing (sanction-date conditions apply)Old only
80GNo capDonations — 50% or 100% depending on the institutionOld only
80GG₹60,000Rent paid where no HRA is receivedOld only
80TTA₹10,000Savings account interest (non-senior)Old only
80TTB₹50,000Interest income for senior citizens, including FDsOld only
80U₹1,25,000Self, where certified with a disabilityOld only
24(b)₹2,00,000Home loan interest on a self-occupied propertyOld only
Standard deduction₹75,000Salaried and pensioners — ₹75,000 new regime, ₹50,000 old regimeBoth

Data as of 17 Aug 2026Source: incometax.gov.in

Worth knowing.Almost every deduction below is available only under the old regime. Before chasing them, run the old-versus-new comparison — for many salaried taxpayers the new regime wins even with a full ₹1.5 lakh of 80C.

Questions

Is this tax information specific to India?

Yes. Everything on Credsir is written for Indian regulation, Indian tax law and Indian products — RBI rules, IRDAI norms, SEBI regulation and the current financial year’s income tax provisions.

How often is this page updated?

Rate tables are refreshed weekly, and immediately after an RBI policy change or a Budget announcement. Every figure on the page carries the date it was captured and a link to its source, so you can always see how current it is.

Does Credsir get paid to rank products here?

No. We earn from partner links and advertising, but rankings come from a published scoring formula that runs identically on every product, whether we earn from it or not. Products we make nothing from appear in these lists whenever they win on the numbers.

Are these the rates I will actually be offered?

Advertised rates are the best case, reserved for applicants with a high credit score, stable income and a favourable profile. Your offer depends on your credit score, employer, income and existing obligations. Treat published rates as the floor, not the quote.

Related reading

Worth knowing.Rates, fees and terms change frequently and vary by applicant. Everything here is general information, not personalised advice. Confirm the current terms directly with the institution before you apply. How we research and rate.