Wel come dosto Hindi Techno Guide me apaka swagat hai. Blogging ke tutorials ke sath aaj me apako Income Tax ke bareme information batane wala hu. Aaj ka topic hai Income Tax kaise bachaye. To chaliye dost dekhate hai income tax kaise bachate hai.
Fix Deposit ko India me sabase jyada secure Financial Instrument mana jata hai. Isiliye Extra Savings karane ke liye Fixed Deposites ko jyada se jyada pasand kiya jata hai. India me Fixed Deposites ke kai variations hai. Jisame Seniors ke liye senior citizen, Tax Payers ke liye SECTION 80C me anewali tax saving Fix Deposites, Foreign Currency Non Residential (FCNR) Deposites etc.
Bank Me Fixed Deposites ke liye alag variants ki services milati hai. Investors Apani savings ko jarurat ke anusar alag typs ke Fixed Deposites ke accounts me invest kar sakate hai.
Income Tax Act ke Section 80c ke antargat kisi bhi Tax Slab me anewale Individual Tax Payer ko per year 1.5 Lakh ka Tax me Deduction mil sakata hai.
Section 80c ko use karake aap Public Provident Fund, National Savings Certificates, Child education fees. Pension Funds, Tax Saver Fixed Deposites, Life insurance, Home Loan principal ke against kar sakate hai. Inamese jo suitable ho usame invest karake aap 1.5 lakh per year aap tax me deduction ka fayada le sakate hai.
Apaka saving account hai to aap Extra Documention process karake asan tarike se saving account me Fix Diposite kara sakte hai.Isame aap saving account se jyada compounded interest le sakate hai.
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Tax Saver Fix Deposite me aap invest karake Indian Income Tax Act, 1961 ke section 80C ke tahet Tax Deduction Ka fayada le sakate hai.
Tax Saving Fixed Deposits Ke Typs
Single Holder Type Deposits
Joint Holder Type Deposits
Aap Saving Ko is taraha ke Tax Saver Fix Deposites me invest karane ke liye minimum 5 years ka Lock - in Period hota hai. Isaka matalab apako Minimum 5 Years ke liye Fix Deposites karana hoga.
Fix Deposite ka Maturity Period 5 years ka hota hai. Is scheme me invest karane ke 5 years tak is amount ko withdraw nahi kar sakate. Fix Deposite par aap loan nahi le sakate.
Tax Saver Fix Deposite me aap maximum 1.5 lakh invest kar sakate hai.
Minimum Investment 100 rs se lekar 100, 200, 500 ki multiple range me jarurat ke anusar Investment badha sakate hai.
Tax Saving Fixed Deposit Me Individual ya Hindu Unified Families hi Invest kar sakati hai.
Joint Account Open karane ke bad First Holder ko Tax Deductions ka fayada hota hai. Fix Deposite me return ke swarup me milane wale interest par TDS lagaya jata hai. Account Holder Individual PAN detail submit karane par Interest Return par 10% per year TDS Charge lagata hai.
Senior Citizens Ko Adhik Interest milata hai.
Quarterly Basis ya Monthly Investment karane par Interest milata hai.
Kisi taraha ka Risk na lete hue Tax me deduction ka fayada lene ke liye Tax Saver Fix Deposits ek accha option hai.
Agar aap Thoda Risk lena chahate hai to aap EQUITY LINKED SAVING SCHEMES me invest kara sakate hai. Isame Section 80C ke anusar 1.5 lakh tak tax deduction milata hai aur milane wale Return par TDS aur Long Term Capital Gain Tax apply nahi hota hai.
Income Tax Kaise Bachaye
Income Tax se bachane ke liye kai mashakatte karani padati hai. Income tax laws and rules, good tax attorney, Attorney For Taxes, Tax Attorney, A Tax Attorney Lawyer For Taxes is taraha ke kai searches ho rahe hai. Income tax se releated low konase hai ? Inka kya fayada hai ? Tax return lawyer konase hai ? Tax and loan management, Tax problems konase hai ? Tax Slabs konase hai ? Section 80c kya hai ? Aaj Mai apani post me Section 80c ke bareme janakari de raha hu.
SECTION 80C Ke Antargat - Fixed Deposites
All Fixed Deposites Income Tax Act 1961 ke section 80c ke antargat ate hai. Fixed Deposites ko tax saving Fixed Deposites ke nam se bhi jana jata hai. India me sabhi banks Tax saving ke liye Fixed Deposites accounts ki facalities provide karate hai. Fixed Deposites me Inverst karake aap Income Tax me 1.5 Lakh Per year ka deduction le sakate hai.
Income Tax Act ke Section 80c ke antargat kisi bhi Tax Slab me anewale Individual Tax Payer ko per year 1.5 Lakh ka Tax me Deduction mil sakata hai.
Section 80c ko use karake aap Public Provident Fund, National Savings Certificates, Child education fees. Pension Funds, Tax Saver Fixed Deposites, Life insurance, Home Loan principal ke against kar sakate hai. Inamese jo suitable ho usame invest karake aap 1.5 lakh per year aap tax me deduction ka fayada le sakate hai.
Example Aap per year 50,000 rupees Life Insurance ki premium pay karate hai aur 25,000 rs per month ke ke hisab se yearly 3,00,000 home loan ki EMI pay karate hai. Section 80c ke tahet anewale dino me aap 50,000 + 3,00,000 = 3.50 Lakh pay karate hai. Apaki yearly income 12 lakh hai to 2.5 lakh + 1.5 lakh (section 80c exempt) = 4 lakh ke bad bache 8 lakh par apako apai Tax Slab ke anusar Income Tax Pay karana hoga.
Apaka saving account hai to aap Extra Documention process karake asan tarike se saving account me Fix Diposite kara sakte hai.Isame aap saving account se jyada compounded interest le sakate hai.
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Tax Saver Fix Deposite me aap invest karake Indian Income Tax Act, 1961 ke section 80C ke tahet Tax Deduction Ka fayada le sakate hai.
Tax Saving Fixed Deposits Ke Typs
Single Holder Type Deposits
Joint Holder Type Deposits
Aap Saving Ko is taraha ke Tax Saver Fix Deposites me invest karane ke liye minimum 5 years ka Lock - in Period hota hai. Isaka matalab apako Minimum 5 Years ke liye Fix Deposites karana hoga.
Limitation Of Tax Saver Fix Deposites
Fixed Deposit me milane wala Interest Rate Maturity tak fix rehata hai. Is scheme me Invest karate wakt bank se jitana interest rate milata hai utana hi interest maturity tak milega. RBI ke ruls ke anusar Interest Rate jyada ho ya kam hone par bhi Fixed Deposit ka Interest Rate Stable rehata hai.Fix Deposite ka Maturity Period 5 years ka hota hai. Is scheme me invest karane ke 5 years tak is amount ko withdraw nahi kar sakate. Fix Deposite par aap loan nahi le sakate.
Tax Saver Fix Deposite me aap maximum 1.5 lakh invest kar sakate hai.
Minimum Investment 100 rs se lekar 100, 200, 500 ki multiple range me jarurat ke anusar Investment badha sakate hai.
Tax Saving Fixed Deposit Me Individual ya Hindu Unified Families hi Invest kar sakati hai.
Joint Account Open karane ke bad First Holder ko Tax Deductions ka fayada hota hai. Fix Deposite me return ke swarup me milane wale interest par TDS lagaya jata hai. Account Holder Individual PAN detail submit karane par Interest Return par 10% per year TDS Charge lagata hai.
Benefits Of Tax Saving Fixed Deposit
Fixed Deposit Me Jab chahe tar Invest kar sakate hai. Government se Tax Free Bonds ke Issue hone ka wait nahi karana padata.Senior Citizens Ko Adhik Interest milata hai.
Quarterly Basis ya Monthly Investment karane par Interest milata hai.
Kisi taraha ka Risk na lete hue Tax me deduction ka fayada lene ke liye Tax Saver Fix Deposits ek accha option hai.
Agar aap Thoda Risk lena chahate hai to aap EQUITY LINKED SAVING SCHEMES me invest kara sakate hai. Isame Section 80C ke anusar 1.5 lakh tak tax deduction milata hai aur milane wale Return par TDS aur Long Term Capital Gain Tax apply nahi hota hai.
ReplyDeleteThank you for sharing such great information. can you help me in finding out more detail on home loan
Hey, gratitude for sharing these income tax saving tips. I would be starting investments for a safe future but it is hard to find options that fit my requirements. Your blog is quite knowledgeable but couldn’t find info about swp in mutual fund. Was wondering if you can share details on this.
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