Best Tax Saving Investment Options in India (2025)

Tax saving sirf paisa bachane ke liye nahi, balki wealth create karne ke liye bhi important hai. India me aapko kai options milte hain jo tax saving ke sath investment growth bhi dete hain. Aaj hum jaanenge 2025 ke top tax saving investment options.

1. Equity Linked Savings Scheme (ELSS)

ELSS ek mutual fund hai jisme aapko Section 80C ke under Rs 1.5 lakh tak ka tax benefit milta hai. Iska lock-in period 3 years hai jo sabse kam hai.

2. Public Provident Fund (PPF)

PPF ek safe aur government backed scheme hai jisme interest tax-free hota hai. Iska lock-in 15 years hota hai, lekin ye long-term wealth creation ke liye best hai.

3. National Pension System (NPS)

NPS retirement ke liye best option hai. Isme aapko Section 80CCD(1B) ke under extra Rs 50,000 ka tax benefit milta hai.

4. Tax Saving Fixed Deposit

5 year lock-in period ke saath yeh FD secure option hai. Isme Section 80C ke under tax deduction milta hai.

5. Life Insurance Premium

Life insurance premium bhi Section 80C ke under deduction deta hai. Iske sath aap apne parivaar ki financial security bhi ensure karte ho.

6. Health Insurance (Mediclaim)

Section 80D ke under health insurance premium par tax benefit milta hai. Ye aapko aur family ko medical emergency me cover karta hai.

7. Sukanya Samriddhi Yojana (SSY)

Agar aapki beti hai to SSY ek best option hai. Isme high interest rate aur Section 80C ka tax benefit milta hai.

8. Unit Linked Insurance Plan (ULIP)

ULIP insurance aur investment dono ka combination hai. Isme bhi Section 80C ke under tax deduction milta hai.

9. Senior Citizen Saving Scheme (SCSS)

60+ age group ke liye SCSS ek safe aur high interest option hai. Isme bhi Section 80C ka tax benefit available hai.

10. Employee Provident Fund (EPF)

Salary wale logon ke liye EPF ek secure aur long-term saving plan hai. Iska interest tax-free hota hai aur Section 80C ka benefit bhi milta hai.

Conclusion

2025 me tax saving ke liye aapko apne goals aur risk appetite ke hisaab se option choose karna chahiye. Short-term ke liye ELSS aur FD best hain, jabki long-term ke liye PPF, NPS aur SSY behtareen options hain. Smart planning ke sath aap tax bhi bacha sakte ho aur wealth bhi create kar sakte ho.