Tax saving starts at the beginning of the year

Plan for tax saving under 80C ( 1.5 lac ) starting April and not in the last few months. That way you take advantage of running a SIP plus tax saving.

If you do not have anything else (PPF, PF, NPS, Life Insurance) then you can SIP for up to ₹12500 every month. Much easier than doing ₹1,50,000 in the last 2 months, right ?

Plus, you can plan your asset allocation. Eg. you can do ₹2,500 in PPF and ₹10,000 in ELSS ( equity ).