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80C covers payments such as EPF and VPF, PPF, ELSS mutual funds, life insurance premium, tuition fees for up to two children, home loan principal, five-year tax-saving FDs, NSC and Sukanya Samriddhi. The combined limit with 80CCC and 80CCD(1) is ₹1,50,000.
Sec 80C, Income-tax Act 1961 (now Sec 123)
Your EPF deduction alone may be ₹72,000 a year, so you need only ₹78,000 more to reach the limit. Investing beyond ₹1,50,000 gives no extra deduction. Count only payments made between 1 April 2025 and 31 March 2026 for AY 2026-27.
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