Tax Saving Instruments

Save Smart. Invest Wisely. Grow Steadily.

Every Indian taxpayer looks for legitimate and efficient ways to save tax without compromising on growth. The good news? The Income Tax Act of India offers multiple instruments that help individuals and families reduce their tax burden while creating long-term wealth or securing their future. Tax saving is not just about reducing liabilities—it’s about making every rupee work harder and smarter.

At our firm, we help you explore a wide range of tax-saving instruments aligned with your financial goals, risk profile, and time horizon.

Equity Linked Saving Scheme

Market-linked mutual fund with equity exposure, Shortest lock-in period of just 3 years, Offers the dual benefit of wealth creation and tax savings, Ideal for long-term investors looking for growth with tax efficiency.

Public Provident Fund

15-year government-backed scheme, Exempt-Exempt-Exempt (EEE) status: Investment, interest, and maturity—all tax-free, Attractive fixed interest rate announced quarterly, Ideal for conservative investors seeking safe, long-term savings.

National Savings Certificate

Fixed-income government-backed savings scheme with a 5-year lock-in, Interest is taxable but eligible for reinvestment under 80C, Suitable for risk-averse investors.

Tax Saving Fixed Deposits

Offered by banks with a 5-year lock-in, Interest is taxable as per slab rate, Simple and stable option for conservative investors.

Life Insurance Premium

Premiums paid for self, spouse, or children qualify under 80C, Offers both protection and tax savings, Ideal for those looking to secure their family’s future.

Sukanya Samriddhi Yojana

Designed for girl child; offers one of the highest interest rates among small savings schemes, Exempt at all three stages (investment, interest, and maturity), Helps in long-term planning for daughters’ education and marriage.

Employee Provident Fund

Mandatory for salaried individuals, Employer and employee contributions both help build a retirement corpus, Contributions eligible under 80C.

Critical Illness Cover

Lump-sum payout on diagnosis of major illnesses like cancer, heart attack, stroke, etc.

About Us

Nishant Financial Services is a dedicated financial consultancy firm providing comprehensive solutions in mutual funds, stock market investments, tax-saving strategies, and fixed-income products.

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Contact Us

+91 9151113236
+91 9119603236

NFS.GKP@GMAIL.COM

Shop No. 6 (D) & 6 (E) LGF, Swastik Trade Center, Gandhi Gali, Golghar, Gorakhpur - 273001 U.P

Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.