The returns on tax saving products should have minimum tax. Tax saving schemes sometimes may not give the best returns, but the tax it saves is enough to compensate for the lesser returns. When financial year comes to an end and one must determine where to invest so as to get optimum return and tax benefits. The tax exemption limit varies for individual investors as per the tax slabs. Tax saving products help in reducing tax burden. Even though the primary objective is to save taxes but every investor also expects a good return from our investments. An attempt has been made to analyze the awareness and behavior for various tax saving schemes available at Karvy Stock Broking in Bathinda.