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About this tool
Track when each ELSS SIP instalment completes its 3-year lock-in, with unlocked, locked and next-to-free amounts.
The ELSS Lock-in Tracker shows the exact date every one of your ELSS instalments completes its statutory three-year lock-in. Because each SIP instalment buys units on its own allotment date, a 12-month SIP does not become redeemable in one go — it frees up instalment by instalment over the following year. Enter your amount, frequency, start date and an 'as on' date to see how much is already free, how much is still locked and when the next tranche opens.
Open ELSS Lock-in Tracker on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
Applies the 36-month lock-in to each instalment separately instead of the SIP start date.
Shows the amount and date of the very next tranche that becomes redeemable, plus days remaining.
Separates invested amount and estimated value into unlocked and still-locked buckets.
From each instalment's date of unit allotment. Every SIP instalment carries its own three-year lock-in, so a 12-month SIP becomes fully redeemable only 36 months after the last instalment.
No. ELSS has a hard statutory lock-in under the Equity Linked Savings Scheme rules — unlike a tax-saving FD or NPS, there is no premature exit, loan or partial withdrawal facility before 36 months.
Investments in ELSS qualify for deduction under Section 80C of the Income Tax Act, within the overall 1.5 lakh rupee 80C ceiling, and only under the old tax regime. This is general information, not tax advice — check your own situation with a qualified adviser.
Because units are necessarily held for more than a year, gains are long-term capital gains on equity and are taxed at the prevailing LTCG rate above the annual exemption threshold. Rates and thresholds change with each Finance Act, so confirm the current numbers before redeeming.
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