Aaj ke zamaane mein, jo bhi salaried individuals hote hain, unke liye tax planning ek bahut zaruri cheez hai.
Jab bhi salary slip aati hai aur “deductions” wale column par nazar padti hai, toh mann mein ek hi sawaal aata hai: “Main apna tax kaise save karoon?”
Agar aap bhi isi confusion mein hain, toh yeh blog aapke liye hai. Aaj hum discuss karenge practical aur effective tax saving tips jo har salaried individual ke kaam aayenge.
1. Section 80C ka Poora Fayda Uthayein
Section 80C ek aisa section hai Income Tax Act mein jo aapko 1.5 lakh tak ki deduction allow karta hai. Aap is deduction ka fayda uthane ke liye kai tarike ke investments aur expenses kar sakte hain:
- Public Provident Fund (PPF): Ek secure aur tax-free investment option. Isme aap 15 saal ke liye invest karte hain.
- Employees’ Provident Fund (EPF): Jo aapki salary se automatically deduct hota hai.
- Equity Linked Savings Scheme (ELSS): High returns ke liye, lekin thoda risk bhi hota hai.
- Life Insurance Premium: Agar aapne LIC ya kisi aur company ka term plan liya hai, toh uska premium 80C ke andar claim kar sakte hain.
- Home Loan Principal Repayment: Agar aap ghar ka EMI de rahe hain, toh uska principal component 80C mein include hota hai.
2. National Pension System (NPS) Mein Invest Karein
NPS ek retirement savings scheme hai jo aapko tax-saving ka ek extra option deta hai. Section 80CCD(1B) ke under, aap additional 50,000 tak ki deduction claim kar sakte hain. Iska matlab hai ki 80C ke 1.5 lakh ke upar bhi aap tax save kar sakte hain. NPS ka ek aur advantage hai ki aap apni retirement ke liye bhi secure ho jaate hain.
3. Health Insurance (Section 80D)
Health insurance sirf aapke medical bills ko cover karne ke liye nahi, balki tax saving ke liye bhi kaam aata hai. Section 80D ke under:
- Self, spouse, aur dependent children ke liye premium: 25,000 tak ki deduction.
- Parents ke liye (senior citizens): Additional 50,000 tak ki deduction.
- Agar aapke parents senior citizens nahi hain, toh ye limit 25,000 hoti hai.
Example: Agar aap aur aapke parents ke liye health insurance premium pay karte hain, toh aap total 75,000 tak ki deduction claim kar sakte hain.
4. House Rent Allowance (HRA)
Agar aap rented house mein rehte hain, toh HRA ek bada tax-saving tool ho sakta hai. Aap HRA exemption calculate kar sakte hain using the following:
- Actual HRA received
- Rent paid – 10% of basic salary
- 50% of basic salary (for metro cities) ya 40% (for non-metro cities)
Jo bhi in teeno mein lowest hota hai, wahi aapka exemption amount hoga.
Pro Tip: Agar aap apne parents ke ghar mein rehte hain, toh aap unhe rent pay kar sakte hain aur HRA exemption claim kar sakte hain. Lekin ensure karein ki aapke parents is rent ko apne ITR mein show karein.
5. Leave Travel Allowance (LTA)
Agar aap travel karte hain, toh aap LTA ka claim kar sakte hain. Lekin dhyan rakhein ki sirf domestic travel covered hota hai aur aapko proper bills submit karne hote hain. LTA ka benefit sirf 2 baar milta hai ek block of 4 years mein.
6. Tax-Free Perquisites ka Use Karein
Kai employers aapko aise benefits dete hain jo tax-free hote hain. Jaise:
- Meal Coupons (e.g., Sodexo): Har mahine 2,500 tak exempted hai.
- Transport Allowance: Specially abled employees ke liye specific exemptions available hain.
- Education Allowance: 100 per month per child (maximum 2 children).
7. Home Loan Interest (Section 24b)
Agar aapne apne ghar ke liye loan liya hai, toh uske interest component par aap 2 lakh tak ki deduction claim kar sakte hain under Section 24b. Agar aapka ghar under-construction hai, toh aap possession ke baad 5 saalon mein iska benefit le sakte hain.
8. Standard Deduction
Salaried individuals ke liye ek universal deduction available hoti hai, jo 50,000 hai. Is deduction ke liye aapko koi documentation ki zarurat nahi, ye automatically aapke Form 16 mein reflect hoti hai.
9. Donations (Section 80G)
Agar aap kisi eligible NGO ya relief fund mein donate karte hain, toh uska bhi deduction le sakte hain. Lekin ensure karein ki aapke paas proper receipt ho aur wo organization 80G ke liye registered ho.
10. Flexible Benefit Plan (FBP) Opt Karein
Kai companies ek flexible benefit plan offer karti hain jisme aap apni salary structure ko customize kar sakte hain. Isme allowances jaise fuel, phone bills, aur internet reimbursements ko include karke aap apna taxable income reduce kar sakte hain.
11. Advance Tax Bhooliye Mat
Agar aapki side income hai, jaise rental income ya freelancing, toh aapko advance tax pay karna hota hai. Agar aap advance tax timely pay karte hain, toh aap penalties aur interest se bach sakte hain.
12. Professional Tax
Professional tax ek chhota amount hota hai jo aapki salary se deduct hota hai. Yeh deduction aapke taxable income se subtract hota hai, lekin ensure karein ki yeh amount aapke Form 16 mein properly reflect ho.
Conclusion
Tax saving ek smart planning ka game hai. Agar aap upar diye gaye tips ko follow karte hain, toh aap sirf apna tax hi nahi, balki apna paisa bhi effectively manage karenge.
Remember, har salaried individual ke liye apne finances ka proper management karna zaruri hai. Aap apne CA se consult karke apne liye best options identify kar sakte hain.
Toh der kis baat ki? Aaj hi apni salary slip ka analysis karein aur apna tax saving ka plan banayein!