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Section 80C and 80D deductions in India: build a monthly plan, not a March scramble

Who this is for: taxpayers structuring EPF, PPF, ELSS, NPS and medical insurance deductions.

Biggest mistake to avoid: one-time year-end lump sum that strains cashflow.

Best decision based on scenario: divide ₹1,50,000 80C target into ₹12,500/month and align stable vs growth buckets.

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