{"id":15822,"date":"2026-08-27T13:06:25","date_gmt":"2026-08-27T07:36:25","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=15822"},"modified":"2026-09-22T13:07:42","modified_gmt":"2026-09-22T07:37:42","slug":"tax-saving-fd-vs-nsc-vs-elss-vs-bonds-80c-guide","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/tax-saving-fd-vs-nsc-vs-elss-vs-bonds-80c-guide\/","title":{"rendered":"Tax Saving Fixed Deposit vs NSC vs ELSS vs Bonds: Section 123 Comparison for 2026"},"content":{"rendered":"
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\ud83d\udcdd Quick Summary:<\/div>\n

<\/span>With the new tax regime now the default for Indian taxpayers, the Section 123 deduction (the new-law equivalent of Section 80C) isn’t available under the new regime; it’s a choice under the old regime. Here’s a side-by-side look at four classic 80C\/Section 123 options: tax-saving FDs, NSC, ELSS, and bonds, covering current interest rates, lock-ins, risk, and where each one still earns its place in a 2026 tax plan.<\/b> <\/strong><\/span><\/h2>\n<\/div>\n\n\n

Every January, HR departments send an email urging Indian employees to send their investment proofs to their company’s HR. Once upon a time, finding the ideal spot to park money within the next two months was a race to beat the deadline for the \u20b91.5 lakh Section 80C limit. However, the new tax regime is now the default, meaning the Section 123 deduction (the successor to the old Section 80C framework) isn’t available under that regime. So, it is worth asking whether the Section 123 deduction is still worth using for you, and if the answer is yes, which instrument actually earns its place: a Tax-Saving FD, NSC, ELSS, or bonds? Here’s a practical, numbers-first comparison for FY 2026-27.<\/p>

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