Income Tax Saving Investments Tips

Income tax ke bare me basic information jese ki income tax kya hai, income tax kin chizo pe lagta hai ye sab apne hamare income tax ki jankari article me padha hoga. Mehnat karke sab log earn karte hai lekin ye jab saal ke end me tax salary se cut kiya jata hai usse taklif hoti hai. Har koi chahta hai uska kum se kum tax cut ho iske liye tax ki planning karna jaruri hai.

Income Tax Investments

Government rule ke according income tax two way se save kiye ja sakte hai

  • Exemption
  • Deduction

Exemption me apki kuch earning ko tax me include nahi kiya jata ex. HRA (House Rent Allowance), LTA (Leave Travel Allowance), Transport Allowance etc.,

Deduction ka matlab apka jitna paisa alag schemes me lagta hai utna tax save ho jata hai ex. EPF, PPF, ELSS, NSC etc.,

Iss article me aap ko Income tax saving investments ke bare me batayenge.

TAX DEDUCTION SECTION 80 C

INCOME TAX ACT ke SECTION 80 C ke according kuch jagah investment karne par tax saving kar sakte hai.

In me konse investment aate hai ye jante hai.

EPF (Employee Provident Fund)

EPF sirf job karne vale, yani ki monthly income earn karne valo ke liye hai. EPF monthly earning karne valo ka retirement plan hai. Is plan me fund EPFO through maintain hota hai.

EPFO me monthly earning karne vale vyakti ki income ka kuch portion deposit hota hai.

Jab ap kisi company, unit ya phir kisi jagahm jo EPFO me registered hai vaha kam karte hai. Tab apki salary ka 12% aapki taraf se aur 12% company ki taraf se deduct karke EPFO me deposit karna padta hai.

Company jo EPF me contribute karti hai woh tax free hai aur aap ka contribution 80c me deductible hai.

PPF (Public Provident Fund)

Tax saving investments ke liye PPF ek best option hai, Kyuki PPF me 15 saal ka lockin period rehta hai. To isme paise jama karke future bhi safe hota hai aur to aur tax bhi bach jata hai.

VPF(Voluntary Provident Fund)

EPF me agar aap chahe to apni basic salary ka 12% se jyada bhi jama kar sakte hai.

12% se jyada aap jo EPF account me jama karte hai usse voluntary provident fund kaha jata hai. Aur jis par tax deduction ka fayda bhi milta hai.

LIFE INSURANCE

Aap apne life insurance, biwi ke ya phir bachho ke name pe policies le kar tax se save kar sakte hai. Policies ke liye Jo premium ham bharte hai us par apko SECTION 80 C according tax saving kar sakte hai.

PENSION FUND

Government Pension Scheme bhi tax free hota hai. National pension scheme (NPS) me deposit ki gayi 1.5 lakh Rupees/Year par section 80 C ke according tax deduction me le sakte hai.

NPS ke alava mutual fund pension scheme bhi tax saving investments ki haqdar hai.

HOME LOAN

Agar apne ghar ke liye loan liya hai to ye bhi achha tax saving investments option hai. Home loan me repayment amount of Principal aap 80C ke deduction me le sakte hai.

Aur Section 24 of Income Tax Act Ke hisab se aap ko Home loan ke liye diye gaye interest par yearly 2,00,000 tak tax deduction le sakte hai

Husband and wife dono working hai to dono ke name pe loan hone se jyada tax saving honge.

STAMP DUTY AND REGISTRATION

Ghar kharidne ke liye jo stamp duty aur registration charges lagte hai usse section 80 C deduction me include kiya gaya hai.

Apne ghar ke home loan ke liye gaye stamp duty aur registration ho ya phir apne paiso se liye ho, dono me apko tax free ka fayda milega.

ELSS (Equity Linked Saving Scheme)

ELSS ek tarah ka mutual fund hai isse tax saving mutual fund bhi kaha jata hai. isme equity mutual fund ki tarah apka paisa share me lagta hai.

Ek fark itna hai ki ELSS me jama paisa 3 year ke liye lock hota hai.

TAX SAVING FD (Fixed deposit)

Nationalize bank me ye scheme apne customer ke liye available hai. inme jo paisa jama hote hai woh tax free hota hai par jo interest milta hai wo tax free nahi hota.

INFRASTRCTURE BONDS

Infrastructure development finance company ya India infrastructure finance company infrastructure bond kharidne par interest deti hai aur in par invest karne se tax deduction ka fayda hota hai.

SUKANYA SAMRIDDHI ACCOUNT

Central government ne shuru ki gayi ye scheme me account open kar ke investment karne par section 80 C me tax dedction ka fayda milta hai

Aap post office me 10 saal tak ki 2 bachhio ke name pe account khol sakte hai.

POST OFFICE DEPOSIT

Post office me 5 saal ke liye jama kiye gaye paiso par tax nahi lagta par in par milnewala interest tax free nahi hota.

SENIOR CITIZEN SAVING SCHEME

Aapki age 60 year se jyada hai to senior citizen saving scheme ke according bank ya post office me account open kar sakte hai. Is scheme me investment kiye jane par jyada interest milta hai aur Investment 80C me deductible hai.

NSC(National Saving Certificate)

NSC bhi ek Post office saving scheme hai ya phir tax saving investments scheme bhi keh sakte hai. Isme Aap 100Rs. se 100000 Rs. tak certificate 5 saal ke liye kharid sakte hai aur jis par tax deduction milta hai par in par mil raha interest tax free nahi hota.

CHIDREN’S TUITION FEES

Aap apne bacho ki padhai par jo tution fees dete hai vo bhi tax saving ke liye use kar sakte hai.

Ye tax saving investments sirf 2 bacho ke liye applicable hai.

TAX DEDUCTION BESIDES SECTION 80 C

PROFIT ON SHARES OR EQUITY MUTUAL FUNDS

Agar aapne shares ya equity mutual fund me paise lagaye hai to ek saal ke baad unhe bachne par mila profit tax free hota hai kyunki ye long term capital gain me include hota hai.

Shareholder ko milne vala dividend bhi tax free hota hai. Shareholder ko profit dene se pehle company government ko dividend distribution tax de chuki hoti hai.

INTEREST ON SAVING ACCOUNT

Apke saving account par 10,000 Rs./Year tak interest par tax nahi lagta. 10,000 Rs. se  jyada interest par tax bharna padta hai.

GIFT ON MARRIAGE

Shadi me dost ya relative se mile gift par apko kisi tarah ka tax nahi chukana padta.

Yaha gift 50,000 Rs se jyada nahi honi chahiye varne iss par tax lagega.

VRS

Agar apne VRS liya hai to apko mile 5 lakh Rs. tak koi tax nahi lagta ye facility sirf government ya public sector me kam kar rahe employee ke liye hai.

INTEREST ON NRE (Non Resident External) SAVING & FD ACCOUNT

Agar aap NRI hai to apke NRE Account par milne vala interest bhi india me tax free hai.

Ye Singapore, UAE jaise country me rehne vale Indians ke liye bohat beneficial hai, Kyunki in country me kum interest rate par loan milta hai iss loan ko India me NRE account me jama karne se jyada interest milta hai aur tax bhi nahi lagta.

AGRICULTURE INCOME

Agriculture se hone vali income par tax nahi lagta.

PROPERTY THROUGH INHERITANCE

Apko apne parents se mili property, jewellary ya cash par tax nahi dena padta, iss property se interest milta hai wo taxable hota hai.

CARE OF DISABLED

Apke family me koi member disabled hai to uske expenses par section 80 D  according tax save karne ke liye use kar sakte hai.

Taxpayer agar disabled hai to section 80 U ke according maximum 10 lakh Rs. tak tax free ho jata hai.

DONATION

Aap kisi social, political ya scientific jagah par charity ya donation karte ho to ye ek tax saving investments option hai jo section 80G, 80GGA, 80GGC me detail me bataya gaya hai.

GRATUITY

Aap kisi jagah 5 saal job karke resign karne par milne vali gratuity amount tax free hoti hai.

 

OTHER WAY OF TAX SAVING

  • House rent allowance
  • Mobile & internet bill
  • Leave travel allowance
  • Entertainment allowance
  • Transport allowance
  • Higher education allowance

Hum umeed karte hai ki apko yaha pata chala hoga ki kis jagah invest karke aap tax ko bacha sakte hai. Agar koi question ho to niche comment box me puchh sakte hai.

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