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Tax-Saving Investments

Understand the tax-saving instruments available to you and invest through one desk.

Overview

Tax-Saving Investments

Several products qualify for deductions under the Income Tax Act, such as ELSS mutual funds, 5-year tax-saver fixed deposits and eligible life and health insurance premiums. We explain how each product works and help you invest in the ones you select.

Tax benefits depend on the tax regime you opt for and on prevailing tax laws, which can change. Please consult your tax consultant or Chartered Accountant for your specific situation.

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What's included

What we take care of

ELSS (tax-saver) mutual fund investments
5-year tax-saver fixed deposits
Life insurance premium payment support
Health insurance for self, family and parents
Year-end investment proofs and statements
Capital gains reports for ITR filing

Process

How it works

Check your regime

Confirm with your CA whether old or new regime applies.

Know the options

We explain lock-ins, risks and features.

Invest on time

Complete investments before the financial year ends.

Collect proofs

We share statements for your employer or ITR.

FAQs

Common questions

What is the lock-in period of ELSS?

ELSS has a lock-in of 3 years. For SIPs, each instalment is locked in for 3 years from its own date.

Are tax benefits available under the new tax regime?

Most deductions such as Section 80C and 80D are not available under the new tax regime. Please confirm with your tax consultant.

Are ELSS returns assured?

No. ELSS schemes invest mainly in equities and carry market risk. Returns can be negative.

Do you file income tax returns?

No. We provide investment statements and capital gains reports that you or your CA can use for filing.

Please note: Investments in securities markets are subject to market risks. Read all the related documents carefully before investing. Patni Investmart is a distributor and does not provide investment advice.