Best tax-saving investments for Indian salaried & self-employed — PPF, NPS, ELSS, NSC, FDs and more, decoded by TaxFetch.
PPF is still one of India's most loved tax-saving instruments — and for good reason. 7.1% guaranteed, fully tax-free returns, sovereign-grade safety and a clean EEE tax status. Here's the complete TaxFetch playbook on PPF — from opening an account to making the most of every rupee you put in.
Read Article →If you have a daughter aged 10 or younger, Sukanya Samriddhi Yojana could be the single best tax-saving investment you open today. 8.2% guaranteed, fully sovereign-backed, and every rupee — contribution, interest, maturity — comes out tax-free. Here is TaxFetch's complete guide to understanding and maximising SSY.
Read Article →ELSS is the only mutual fund that qualifies for Section 80C deduction — and it comes with the shortest lock-in (just 3 years) of any 80C instrument. Here is everything you need to know to pick the right fund and make ELSS work for your tax plan.
Read Article →Fixed deposits are reliable, predictable and widely understood — but most depositors leave money on the table by ignoring TDS filing, missing the 5-year tax-saver FD or picking the wrong tenure. This TaxFetch guide fixes all of that.
Read Article →NSC is a government-backed, post-office-issued savings bond that earns 7.7% compounded annually — and uniquely, the interest it earns each year is treated as re-invested, giving you a second 80C deduction on top of the one you claimed for the original deposit.
Read Article →SCSS hands senior citizens the highest guaranteed, government-backed return in the market — 8.2% per annum paid quarterly — with a ₹30 lakh ceiling and full Section 80C benefit on deposits. This TaxFetch guide covers every rule, from eligibility at 55 (VRS) to premature withdrawal penalties.
Read Article →NPS gives you a total potential tax deduction of ₹2 lakh per year — ₹1.5L within Section 80C and a bonus ₹50,000 that's exclusive to NPS under Section 80CCD(1B). If you aren't using that extra ₹50K, you're leaving real money on the table. Here's everything you need to know.
Read Article →Life insurance saves tax at two points: when you pay the premium (Section 80C) and when the policy pays out (Section 10(10D)). But the conditions around which policies qualify — and how much you can claim — are more nuanced than most policyholders realise. This TaxFetch guide covers every type of plan.
Read Article →Budget 2026 raised the Children's Education Allowance from ₹1,200 to ₹3,000 per year per child and the Hostel Allowance to ₹9,000 per month per child. Combined with the Section 80C deduction on tuition fees, parents can claim meaningful relief — but the rules on what qualifies are strict.
Read Article →A home loan can save you up to ₹3.5 lakh in tax every year across three different sections of the Income Tax Act. But the rules on when you can start claiming, what counts as principal vs interest, and how to handle pre-construction interest trips up even experienced taxpayers. This TaxFetch guide gets it right.
Read Article →Every month, 12% of your basic salary goes into your EPF account — and your employer adds another 12% on top. Over a career, that compounds at 8.25% tax-free into a significant retirement corpus. Here is how the scheme actually works, and how to make the most of it.
Read Article →Section 80C offers a ₹1.5 lakh tax deduction — but with 13+ eligible instruments spanning equity, debt, insurance and expenses, most taxpayers either under-claim or pick the wrong mix. This TaxFetch guide gives you the full picture so you can make every rupee count.
Read Article →Most Indians wait till March to 'save tax' — and end up paying more than they need to. Tax planning is the legal art of arranging your salary, investments and expenses through the year to bring your tax liability to its lowest legal amount. This TaxFetch guide walks you through every step — and shows you how the free TaxFetch Tax Planner does the heavy maths for you in under a minute.
Read Article →EPFO announces 8.25% interest rate for 2025-26. Understand how this affects your PF balance, tax liability on interest earned above ₹2.5 lakh contributions, and retirement planning under Income Tax Act provisions.
Read Article →Understand the tax implications of Gold ETFs vs Gold Mutual Funds in 2026. Learn about capital gains tax rates, indexation benefits, and which investment suits your tax planning goals better.
Read Article →Understand EPF withdrawal rules 2026 including online process, Form 19/10C requirements, partial/full withdrawal conditions, and tax implications under sections 80C and 192A for salaried employees.
Read Article →EPFO typically credits PF interest by December each year. Get the latest update on EPFO interest credit 2026, current interest rates, crediting timeline, and tax rules for your provident fund account.
Read Article →EPFO launched Vishwas 2026 on June 29, 2026 - a 6-month settlement scheme offering drastically reduced penalty rates (0.25%-1%) for employers to resolve PF damages disputes under Section 14B. Learn eligibility, application process and tax implications.
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