Is 80C available in new tax regime?

No. Section 80C deductions are only available under the old tax regime. The new regime has lower rates but no 80C benefit. Compare both to see which saves more.

What if I've already maxed 80C?

Look at 80D (health insurance: ₹25-50K), 80CCD(1B) (NPS: ₹50K), 80E (education loan interest), 80G (donations), and HRA exemption for additional savings.

Section 80C — Save Up to ₹1.5 Lakh Tax

Section 80C is the most popular tax-saving provision, allowing deductions up to ₹1,50,000 from taxable income for specified investments and expenses.

Eligible Investments

PPF, ELSS mutual funds, EPF, NPS (partial), NSC, tax-saver FD (5-year lock-in), Sukanya Samriddhi Yojana, ULIP, life insurance premium, senior citizens savings scheme.

Eligible Expenses

Children's tuition fees (max 2 children), home loan principal repayment, stamp duty & registration charges for house purchase.

Best 80C Options Ranked

1) EPF (automatic, 8.15% guaranteed). 2) PPF (7.1%, tax-free returns). 3) ELSS (market-linked, only 3-year lock-in, highest return potential). 4) NPS (extra ₹50K under 80CCD). 5) SSY for daughters (8.2%).