Har saal March aate hi kai log tax bachane ke liye jaldi-jaldi nivesh karte hain. Lekin sahi tax planning saal bhar ki soch se hoti hai. Aaykar Adhiniyam me kai aise pravdhan hain jinki madad se aap kanuni tareeke se apna tax bojh kam kar sakte hain. Aaiye samajhte hain sabse lokpriya vikalp.
Section 80C: sabse lokpriya 1.5 lakh ki chhoot
Section 80C ke tahat aap kul 1.5 lakh rupaye tak ke nivesh aur kharchon par katauti ka daava kar sakte hain. Isme EPF me aapka yogdan, PPF, ELSS mutual fund, jeevan beema ka premium, bachchon ki school fees, NSC aur 5 saal ki tax-saving FD shamil hain. ELSS me 3 saal ka sabse chhota lock-in hota hai, jabki PPF 15 saal ka lambe samay ka surakshit vikalp hai. Apne lakshyon ke hisab se inme se chunein.
80D, NPS aur anya katautiyan
Section 80D ke tahat swasthya beema ka premium — khud aur parivar ke liye 25,000 rupaye tak, aur varishth nagrik mata-pita ke liye 50,000 rupaye tak — katauti yogya hai. NPS me nivesh par 80CCD(1B) ke tahat 50,000 rupaye ki atirikt chhoot milti hai, jo 80C ki seema se alag hai. Iske alawa grih rin ke byaj par Section 24 ke tahat 2 lakh rupaye tak ki chhoot milti hai. Ye sab milkar aapki kar yogya aay ko kaafi kam kar sakte hain.
Tax planning ke 3 sunahre niyam
Pehla — March ka intezar na karein; saal ki shuruat me hi tax planning kar lein taaki sahi vikalp chun sakein. Dusra — sirf tax bachane ke liye nivesh na karein; chuna hua vikalp aapke arthik lakshyon se mel khana chahiye. Teesra — purani aur nayi kar vyavastha (old vs new regime) ki tulna zaroor karein, kyunki nayi vyavastha me kar daren kam hain lekin zyadatar katautiyan nahi miltin. Kar niyam samay-samay par badalte rehte hain, isliye badi rakam se pehle kisi yogya kar salahkar se salah lena samajhdari hai.
