Section 80C: save up to ₹1.5 lakh in tax
Section 80C lets individuals and HUFs cut up to ₹1.5 lakh from taxable income through everyday investments and expenses — PPF, ELSS, LIC, EPF, home loan and more. Here is what qualifies, the lock-ins, and the one catch: it works only under the old tax regime.
Claim your 80C deductions with a CASection 80C lets an individual or HUF reduce taxable income by up to ₹1.5 lakh a year using approved investments and expenses. The catch: it is available only under the old tax regime — the new regime drops it.
One shared cap — not ₹1.5 lakh each
Three sections share a single ceiling. Whatever you put across them, the total deduction stops at ₹1.5 lakh.
12 ways to fill your ₹1.5 lakh
A mix of investments, insurance and everyday expenses count towards 80C. Pick what fits your goals — not just your taxes.
Stamp duty and registration on a new home also qualify in the year you pay them.
Your money is parked for a while
Every 80C option ties your money up for a minimum term. Match the lock-in to when you’ll need the cash.
General information only, not investment advice. Lock-in, returns and suitability vary — speak to a qualified adviser before investing.
Deductions that stack on top of 80C
The ₹1.5 lakh cap is just the start. These deductions sit outside it — so you can claim them as well.
Section 80CCD(1B) — extra NPS
An additional ₹50,000 for your own NPS contribution, over and above the ₹1.5 lakh — total up to ₹2 lakh. Old regime.
Section 80CCD(2) — employer NPS
Employer’s NPS contribution, up to 14% of salary. The rare deduction you can still claim in the new regime.
Section 80D — health insurance
Premiums for self and family, with more for senior-citizen parents. A separate limit from 80C. Old regime.
Section 24(b) — home loan interest
Interest on a home loan for a self-occupied property — deductible separately from the 80C principal. Old regime.
80C only works if you pick the old regime
The new tax regime is the default, and it does not allow 80C, 80D or HRA. The trade-off is lower slab rates. So the real question is not “how much 80C can I claim?” — it is “does the old regime beat the new one for me this year?”
Claim every rupee you’re entitled to
A CA checks which regime wins for you, captures every 80C and beyond-80C deduction, and files it cleanly — so you don’t leave money on the table or invite a notice.
Get your ITR filed by a CASection 80C, answered
What is the maximum deduction under Section 80C?
Can I claim 80C under the new tax regime?
What investments and expenses qualify for 80C?
Can I deduct more than ₹1.5 lakh?
Which 80C option has the shortest lock-in?
Are companies or partnership firms eligible for 80C?
I didn’t declare investments to my employer — can I still claim 80C?
Is Section 80C under the old Act or the new Income Tax Act 2025?
Don’t leave your ₹1.5 lakh on the table
We compare both regimes, claim every deduction you qualify for, and file your return — transparent pricing, real Chartered Accountants, 7-day turnaround.
Talk to a CA on WhatsAppYMYL note: general information, not investment or tax advice. Eligibility, limits and the better regime depend on your numbers — confirm with a qualified CA before acting.