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ELSS Vs FD vs NPS vs PPF

 

Instrument

Lock-in period

Returns(approx.)

Tax on Returns

ELSS

3 years

10%-12%

LTCG tax (@10%)

Tax saving FD

5 years

6%-7%

Income tax

National Saving Certificate

5 years

7%-8%

Income tax

National Pension Scheme

Upto 60 years of age

8%-10%

Partially taxable

Public Provident Fund

15 years

7%-8%

No tax

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