Income Tax Kaise Save Kare ?

Income Tax Kaise Save Kare ?
Income Tax Save Karne Ke Kuch Khas Tarike …

Public Provident Fund (PPF)

Public Provident Fund (PPF) me invest ka behtarin option hai jo tax saving ke sath-sath lambe samay me ek accha paisa banane me important role nibhata hai. 15 saal ki maturity time wali is scheme me invest kar Section 80C ke tahat profit prapt kiya ja sakta hai. Maturity par milne wale paiso par bhi tax nahi lagta. 2014 me PPF ki adhiktam sima 1 lakh rupat me badha kar 1.5 lakh rupay kar di gai hai. Vartaman me is par 8.7% ka interest milta hai ko attractive hai.

Equity Linked Saving Scheme

Mutual fund ki Equity Linked Saving Scheme section 80C ke tahat invest ka sabse attractive option hai. Yah un tax-payee ke liye jyada upyukt hai jo share bajar se juda jokhim uthate huye accha return hasil karna chahte hai. Iski lock-in awadhi 3 saal ki hoti hai.Ye option bhi section 80C ke antargat aata hai jiski sima 1.5 lakh rupay hai.

National Pension Scheme

National Pension Scheme ya NPS bhi section 80CCD ke tahat tax saving ka ek option hai. Salaried person apne salary ke 10% tak ki deduction ka labh utha sakte hai. Section 80CCE ki adhiktam sima 1.5 lakh rupay hai or iska labh isi dayre tak uthaya ja sakta hai.

Khata kholne ki jatilta ki wajah se yah jyada lokpriy nahi ho paya. NPS retirement ke liye paise jodane ka ek accha option hai. Iske different funds ke tahat pichle 5 saalo me investor ko 3-11% ka return mila hai. Iski maturity investor ke 60 ve saal pahuchne ke bad hoti hai.

TAX Saving Fixed Deposit

Bank ke Tax Saving Fixed Deposit un tax-payee ke liye upyukt hai jo jokhim nahi uthana chahte. Inki lock-in time 5 saal hoti hai. Section 80C ki sima 1.5 lakh rupay ke invest tak isme katoti ka labh milta hai. Filhal 5 saal ke tax saving FD par 9% ka interest mil raha hai. Dhyan dene wali baat yah hai ki issay hasil hone wala interest tax-free nahi hota.

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