Rohit Desai (SEBI RIA)

The new tax regime has quietly killed the old PPF+NPS+ELSS tax-saving triangle — but not in the way most articles tell you. A SEBI-RIA's honest take on what each of these instruments is actually worth under FY 2026-27 rules, why employer NPS via Section 80CCD(2) is the one real tax break left, and why ELSS may no longer deserve automatic space in a new-regime portfolio.