10 Feb 2026 | 5 Mins Read
Comparing ELSS and NSC Tax Savings and Returns
Flipitmoney
The Equity Linked Saving Scheme (ELSS) of mutual funds provides better returns than the National Savings Certificate (NSC) for a 10-year time horizon. ELSS has a three-year lock-in period but a potential for long-term growth. It is suitable for young investors with a higher risk appetite, whereas NSC offers fixed returns and is recommended for those with shorter time horizons or risk aversion.