Tax-saving ka season 2025 mein bhi aa gaya hai, aur har koi apni tax liabilities ko kam karne ke liye suitable options dhoond raha hai. Tax saving instruments ka sahi selection karna zaroori hai, taki aap apni savings ko maximize kar sakein. Aaj hum aapke liye laaye hain 2025 ke top 5 tax-saving instruments, jo aapke tax-saving goals ko efficiently achieve karne mein madad karenge.
1. Public Provident Fund (PPF)
Best For: Long-Term Savings with Tax Benefits
Public Provident Fund (PPF) ek government-backed scheme hai, jo aapko long-term savings aur tax-saving ka option deti hai. PPF mein invest karne par aapko income tax Act ke Section 80C ke tehat ₹1.5 lakh tak ka deduction milta hai.
👉 Key Features:
- Maximum Investment: ₹1.5 Lakh per year
- Interest Rate: 7.1% (2025)
- Lock-in Period: 15 years
- Tax Benefit: Tax-free returns
- Suitable For: Risk-averse investors
Link: Public Provident Fund
2. National Pension Scheme (NPS)
Best For: Retirement Planning with Additional Tax Benefits
National Pension Scheme (NPS) ek long-term retirement savings plan hai, jisme tax saving ke saath-saath future retirement corpus build hota hai. NPS mein ₹50,000 tak ki extra tax deduction milti hai under section 80CCD(1B).
👉 Key Features:
- Minimum Investment: ₹500
- Tax Deduction: ₹1.5 Lakh under Section 80C + ₹50,000 extra under Section 80CCD(1B)
- Lock-in Period: Till retirement
- Interest Rate: Market-linked returns
- Suitable For: Long-term retirement planning
Link: National Pension Scheme
3. Tax Saving Fixed Deposits (FDs)
Best For: Safe Investment with Guaranteed Returns
Tax-saving fixed deposits ek popular option hai jo aapko 5-year lock-in period ke saath guaranteed returns provide karta hai. Inme aapko ₹1.5 Lakh tak ka deduction under Section 80C milta hai.
👉 Key Features:
- Minimum Investment: ₹100
- Interest Rate: 5.5% – 6.5% (varies with banks)
- Lock-in Period: 5 years
- Tax Benefit: Tax-saving under Section 80C
- Suitable For: Conservative investors
Link: Tax-Saving Fixed Deposits
4. Equity Linked Savings Scheme (ELSS)
Best For: High-Risk, High-Return Tax Saving
Equity Linked Savings Scheme (ELSS) ek tax-saving mutual fund hai jo aapko market-linked returns ke saath tax benefits deta hai. ELSS par aapko ₹1.5 lakh tak ka deduction under Section 80C milta hai, aur yeh fund short-to-medium term horizon ke liye ideal hai.
👉 Key Features:
- Minimum Investment: ₹500 (SIP)
- Lock-in Period: 3 years
- Expected Returns: 12% – 15% p.a. (varies)
- Tax Benefit: Tax-saving under Section 80C
- Suitable For: Risk-taking investors looking for higher returns
Link: ELSS Funds
5. Unit Linked Insurance Plans (ULIPs)
Best For: Insurance + Investment
ULIPs ek dual benefit offer karte hain—insurance aur investment. ULIPs mein ₹1.5 Lakh tak ki tax deduction milti hai under Section 80C, aur returns bhi market-linked hote hain. Yeh tax-saving instrument aapko life cover ke saath investment growth ka opportunity deta hai.
👉 Key Features:
- Minimum Investment: ₹1,000
- Lock-in Period: 5 years
- Expected Returns: Market-linked, depends on fund performance
- Tax Benefit: Tax deduction under Section 80C
- Suitable For: Investors who want both insurance and investment
Link: Unit Linked Insurance Plans
Conclusion
2025 mein apni tax liabilities ko kam karna kaafi zaroori hai, aur upar diye gaye top tax-saving instruments aapko yeh karne mein madad karenge. PPF, NPS, Tax-saving FDs, ELSS, aur ULIPs har investor ke liye different options provide karte hain—jo aapki risk appetite aur financial goals ke hisaab se suitable hote hain. Apne tax-saving strategy ko plan karke apni wealth ko efficiently grow karein.
Suggested Tags/Keywords:
- Best Tax Saving Options 2025
- Tax Saving Instruments for 2025
- Top Tax Saving Plans in India
- Tax Saving Tips 2025
- ELSS, PPF, NPS for Tax Savings
- Tax Benefits under Section 80C
1 thought on “Top 5 Tax Saving Instruments in 2025 – Save More and Reduce Tax Liabilities”
Comments are closed.