Simulate returns on SBI Long Term Equity Fund (ELSS) and compute your Section 80C tax deductions with a 3-year lock-in.
Tax-saving equity mutual fund offering deductions up to ₹1.5 Lakh per year under Section 80C with a mandatory 3-year lock-in.
₹6,00,000
₹7,93,286
₹13,93,286
Year-by-year accumulation showing total principal invested and returns generated.
| Year | Invested Amount | Estimated Returns | Total Value |
|---|---|---|---|
| Year 1 | ₹60,000 | +₹5,106 | ₹65,106 |
| Year 2 | ₹1,20,000 | +₹20,677 | ₹1,40,677 |
| Year 3 | ₹1,80,000 | +₹48,397 | ₹2,28,397 |
| Year 4 | ₹2,40,000 | +₹90,219 | ₹3,30,219 |
| Year 5 | ₹3,00,000 | +₹1,48,408 | ₹4,48,408 |
| Year 6 | ₹3,60,000 | +₹2,25,598 | ₹5,85,598 |
| Year 7 | ₹4,20,000 | +₹3,24,841 | ₹7,44,841 |
| Year 8 | ₹4,80,000 | +₹4,49,683 | ₹9,29,683 |
| Year 9 | ₹5,40,000 | +₹6,04,239 | ₹11,44,239 |
| Year 10 | ₹6,00,000 | +₹7,93,286 | ₹13,93,286 |
Traditional tax-saving instruments like PPF and NSC lock your money away for 5 to 15 years at single-digit returns. ELSS mutual funds deploy your capital in Indian equities, delivering inflation-beating capital appreciation with full liquidity unlocked after just 36 months.
In an ELSS SIP, each monthly installment has its own separate 3-year lock-in. For instance, the installment deposited in January 2026 unlocks in January 2029, while your February 2026 installment unlocks in February 2029.