Smart tax planning helps you legally reduce your tax liability while building long-term wealth. At WealthBuild, we guide you to choose the best combination of tax-saving instruments under Section 80C (up to ₹1.5 lakh) and beyond, tailored to your goals, risk profile, and financial situation.
Save up to ₹46,800 in taxes every year (for highest tax bracket) by investing wisely in eligible options. Combine equity-linked, fixed-income, and protection plans for optimal tax efficiency and growth. Whether you're salaried, self-employed, or planning retirement, our personalized advice ensures maximum savings without compromising your financial goals.
From shortest lock-in high-return options like ELSS to safe government-backed schemes like PPF, we cover all popular avenues. Additional benefits under Section 80CCD(1B) for NPS can give you extra ₹50,000 deduction. Start planning early in the financial year for better results and compounding benefits.
Shortest 3-year lock-in. Equity exposure with historical returns 12-15%. Best wealth creator among tax savers under 80C.
Extra ₹50,000 deduction u/s 80CCD(1B). Market-linked retirement corpus with tax-efficient growth.
7.1% guaranteed returns. 15-year tenure with complete tax-free maturity (EEE status).
5-year lock-in FDs from reputed banks. Safe, fixed returns with Section 80C benefit.
Deduction for self, spouse & children. Family protection + tax saving under 80C.
High interest for girl child. Secure education & marriage goals with tax-free benefits.
Section 80C allows a deduction of up to ₹1.5 lakh per financial year on eligible investments like ELSS, PPF, NSC, tax saver FDs, life insurance premiums, home loan principal, tuition fees, Sukanya Samriddhi, etc.
Additional ₹50,000 deduction is available under Section 80CCD(1B) exclusively for NPS contributions, over and above the 80C limit.
ELSS (Equity Linked Savings Scheme) has the shortest lock-in of 3 years among tax-saving options and invests in equities for higher growth potential (historical 12-15% returns). Other tax-saving funds like retirement mutual funds may have longer lock-ins or different asset allocation.
ELSS suits investors with moderate-high risk appetite looking for wealth creation along with tax savings.
Yes, most have lock-ins: ELSS (3 years), PPF (15 years, partial withdrawal after 7), Tax Saver FD (5 years), NSC (5 years). No premature withdrawal penalty in PPF after lock-in; others may have restrictions or interest penalties. NPS has partial withdrawal rules for specific needs.
No foreclosure charges in most government schemes like PPF/NSC; consult for specific product terms.
Contact us at wealthbuildadvisor@gmail.com or +91 8939892978. Share your income details, goals, and risk profile. We analyze your current investments and suggest an optimized tax-saving portfolio. You can start SIPs in ELSS, open NPS/PPF, or review insurance online/offline with our guidance.
We help implement across banks, mutual funds, and post office schemes for maximum benefit.
A balanced mix works best: ELSS/NPS for growth (higher returns), PPF/Tax Saver FD for safety (guaranteed), and life insurance/Sukanya for family protection. Maximize 80C ₹1.5L + NPS ₹50K for total ₹2L deduction. Prioritize based on your age, income slab, and goals.
WealthBuild creates personalized plans to save up to ₹46,800 in taxes (30% bracket) while building wealth.
Most 80C deductions (ELSS, PPF, etc.) are available only in the old tax regime. The new tax regime offers limited deductions (mainly standard deduction and employer NPS contribution u/s 80CCD(2)). Choose old regime if your investments exceed basic exemptions for higher savings.
We help you decide between regimes based on your total income and deductions.
Investment Amount under 80C
Additional NPS u/s 80CCD(1B)
Your Tax Slab (%)
Estimated Tax Saved
Total Deduction
Potential Annual Savings