Income Tax Relief Kaise Payein: Aaj kal har koi apni income tax obligations ko kam karne ke tarike dhoondta hai. Agar aap bhi soch rahe hain ki kis tarah se aap apne tax ko bacha sakte hain, toh aap sahi jagah par hain. Is article mein hum discuss karenge kuch government schemes aur tax relief ke options, jo aapko huge Income tax se bachne mein madad kar sakte hain.
1. Section 80C: Chalo Tax Free Investments Karein
Section 80C aapko allowed karta hai ki aap apne taxable income se kuch specific investments ko deduct kar sakein. Is section ke tahat, aap maximum ₹1.5 lakh ka deduction le sakte hain. Iske andar aati hain:
- Public Provident Fund (PPF)
- National Pension Scheme (NPS)
- Employees’ Provident Fund (EPF)
- Life Insurance Premiums
- Equity Linked Savings Scheme (ELSS)
Agar aap in investments mein paisa lagate hain, toh aap apni taxable income ko kum kar sakte hain. Ye long-term investments hain aur inka return bhi acha hota hai.
2. Health Insurance Premium: Section 80D Ki Baat
Aap apne health insurance premiums par bhi tax benefits le sakte hain. Agar aap Section 80D ka istemal karte hain, toh aap aur aapke parivaar ke liye health insurance premiums ka deduction le sakte hain.
- Self aur family ke liye: ₹25,000 tak
- Parents ke liye: ₹25,000 tak (agar parents 60 saal se zyada ke hain, toh ₹50,000 tak)
Iska matlab yah hai ki aap health insurance ke premiums par achha khasa deduction le sakte hain, jo aapke overall taxable income ko kam karne mein madad karega.
3. Home Loan Interest: Section 24(b)
Agar aapne ghar kharidne ke liye loan liya hai, toh Section 24(b) ke tahat aap apne ghar ke loan par interest par bhi tax deduction le sakte hain. Aapko is section ke tahat ₹2 lakh ka deduction mil sakta hai. Ye deduction aapko tab milega jab aap apne ghar ko self-occupied rakhte hain.
Agar aap rent par rehte hai toh aapko HRA (House Rent Allowance) par deductions mil sakte hain, jo bhi aapki puri income ko kam karne mein madadgar hote hain.
4. Education Loan: Section 80E
Agar aapne apne ya apne kisi piyare ke liye education loan liya hai, toh aapko Section 80E ke tahat tax deduction mil sakta hai. Is section ke tahat aap loan ka interest puri tarah se deduct kar sakte hain. Yaha koi maximum limit nahi hai, jo aapko kaafi faaydemand banata hai.
Education loan leneka faayda yeh hai ki aap apni taxable income ko kum karne ke saath-saath apne education ko bhi suport kar sakte hain.
5. Donations: Section 80G
Agar aapne kisi registered charitable institutions ko donation diya hai, toh aap Section 80G ka istemal karke iska faida le sakte hain. Is section ke tehat, aap donations par bhi deductions kama sakte hain. Kuch donations 100% ki deduction offer karte hain, jabki kuch 50% tak hoti hain.
Yeh ek accha tarika hai apne paise ko achhe kaamon me invest karne ka saath hi saath apne Income tax ko bhi kam karne ka.
6. Tax-Free Income Sources:
Bahut saare income sources hain jo tax-free hain. Inme se kuch hain:
- Agricultural Income: Agricultural income ko tax nahi diya jata.
- Gifts: ₹50,000 tak ki gifts tax-free hoti hain.
Ye income sources aapke total taxable income ko kam karte hain, jis se aapka income tax bhi kum hota hai.
Conclusion
Income tax ka masla har kisi ke liye ek headache hota hai, lekin agar aap in government schemes aur tax relief options ke baare mein jaante hain, toh aap apne taxable income ko kaafi had tak kam kar sakte hain. Ye aapko financial planning mein bhi madad karega aur aapko apne sapno ko poora karne mein bhi sahara dega.
Aakhir mein, samajhna ye bhi zaroori hai ki tax saving investments ko sirf tax ke liye nahi kiya jaana chahiye, balki inhe long-term financial goals ke liye bhi dekhna chahiye. Is tarah se aap apne financial future ko surakshit bana sakte hain. Isliye dhoondiye opportunities, investments kijiye aur apne Income tax burdens ko kam kijiye!
Post Office Fixed Deposit: ₹2 Lakh Ki Investment Se Guaranteed Returns Kaise Paaen