Source: https://awesomecalcs.com/xirr-calculator/elss-tax-saving-sip-3-years
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

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# XIRR of ELSS Tax-Saving SIP (3-Year Lock-in)

> Calculate XIRR of a ₹12,500/month ELSS SIP (saving ₹1.5L/year under 80C) over 3 years with a redemption value of ₹6 lakh.

Interactive calculator: https://awesomecalcs.com/xirr-calculator/elss-tax-saving-sip-3-years

Keywords: ELSS SIP XIRR 3 year lock-in India, 12500 monthly ELSS SIP 3 years XIRR calculator, ELSS XIRR 80C tax saving SIP 3 year, 1.5 lakh ELSS SIP per year XIRR 3 year, ELSS mutual fund 12500 monthly 3 year XIRR returns

## Scenario inputs

```json
{
  "inputs": {
    "cashFlows": [
      {
        "date": "2021-04-01",
        "amount": -12500
      },
      {
        "date": "2021-07-01",
        "amount": -12500
      },
      {
        "date": "2021-10-01",
        "amount": -12500
      },
      {
        "date": "2022-01-01",
        "amount": -12500
      },
      {
        "date": "2022-04-01",
        "amount": -12500
      },
      {
        "date": "2022-07-01",
        "amount": -12500
      },
      {
        "date": "2022-10-01",
        "amount": -12500
      },
      {
        "date": "2023-01-01",
        "amount": -12500
      },
      {
        "date": "2023-04-01",
        "amount": -12500
      },
      {
        "date": "2023-07-01",
        "amount": -12500
      },
      {
        "date": "2023-10-01",
        "amount": -12500
      },
      {
        "date": "2024-01-01",
        "amount": -12500
      },
      {
        "date": "2024-04-01",
        "amount": 600000
      }
    ]
  }
}
```

## Frequently asked questions

### Should I include tax savings when calculating XIRR of ELSS?

Technically, tax saving is a benefit but not a cash flow in the ELSS fund itself. For a pure fund XIRR, use only your investment instalments and final redemption value. However, if you want to measure your overall financial return (including tax saved), add the tax benefit as a positive cash flow in year 1.