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Intermediate

Practice Drills: Comparing ELSS, PPF, and NPS for Tax Efficiency

A drills course for taxpayers who already know what ELSS, PPF and NPS are and now want to compare them properly. You work through the tax saved at entry under each regime and slab, the extra NPS deduction and employer contributions, the tax treatment at exit for ELSS redemptions, PPF maturity and the NPS lump sum and annuity, and then build a full post-tax corpus comparison that prices in lock-in, liquidity and a weak equity decade. The course ends with allocation drills for a salaried taxpayer in the top slab, a freelancer with uneven income and a household with several income sources. All taxpayer figures are illustrative; the tax rules are stated as at the date of last review, under the Income-tax Act, 2025. Educational content only, not investment advice.

ELSSPPFNPSTax SavingOld vs New RegimePost-Tax Returns

MODULES

5

DURATION

~3 hrs

TRACK

Tax & Wealth Planning

What You'll Master

Check which deductions each tax regime allows before choosing a product

Compute the real tax saved by an ELSS, PPF or NPS investment at every slab

Stack the additional NPS deduction and employer NPS contributions correctly

Apply the exit-tax rules for ELSS redemptions, PPF maturity and the NPS lump sum and annuity

Build a 15-year post-tax corpus comparison across the three products

Price lock-in, liquidity and equity drawdown risk into the comparison

Allocate a tax-saving budget for salaried, freelance and multi-income households

Access Level

LEARNER

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Everything included

Full Text Playbooks

Actionable Exercises

Mobile Reading Mode

Lifetime Updates

Curriculum Breakdown

Chapter 1: The Drill Setup

3 Lessons

How These Comparison Drills Work8 min read

Drill: Laying Out the Rules of ELSS, PPF and NPS Side by Side12 min read

Drill: Checking Which Tax Regime Lets You Claim Each Deduction11 min read

Chapter 2: Tax Saved at Entry

3 Lessons

Drill: Computing the Real Tax Saved at Each Slab12 min read

Drill: Stacking the Extra NPS Deduction on Top11 min read

Drill: Using Employer NPS Contributions Under the New Regime11 min read

Chapter 3: Tax at Exit

3 Lessons

Drill: Taxing ELSS Redemptions After the LTCG Exemption12 min read

Drill: Tracing PPF Maturity, Extensions and Partial Withdrawals11 min read

Drill: Splitting the NPS Corpus Into Lump Sum and Annuity12 min read

Chapter 4: Post-Tax Returns Head to Head

3 Lessons

Drill: Building a 15-Year Post-Tax Corpus Comparison14 min read

Drill: Pricing Lock-In and Liquidity Into the Comparison11 min read

Drill: Stress-Testing ELSS Against a Weak Equity Decade12 min read

Chapter 5: Allocating for Real Taxpayers

3 Lessons

Drill: Allocating the Budget for a Salaried Taxpayer in the Top Slab12 min read

Drill: Allocating for a Freelancer With Uneven Income12 min read

Drill: Full Case: A Three-Product Plan for a Household With Multiple Income Sources15 min read