Income Tax Kaise Bachaye Tips In Hindi

Income Tax Kaise Bachaye Tips In Hindi

Income tax ke bare me to sabhi jante hai kyoki sare is se darte hai kyoki logo ko income tax bhrna padta hai . aur koi bhi apni income ko kam karke razi nhi hota hai . aur koi nhi khus hota hai apni mhenet ki kamai ko aise hi deke lekin logo ko income tax dena padta hai . yadi unki income tax ke under me ati hai toh . kyoki govt. ke rule ke anusaar tax to dena padega . aur govt. tax isliye bhi leti hai kyoki  govt ke pas sabse bada income ka resource income tax hai jo hem jaise logo se liya jata hai kuch logo ko mana hai ki wo itni mhent se rupiya kamate hai . aur sal ke last me usme se thoda sa part income tax ke rup me govt ko diya jata hai to bhut bura lagta hai

Lekin apko bta de ki govt ki bhi majburi hoti income tax lena kyoki uske paas aur koi income ka resource nhi hai isliye vahe hem logo se tax leti hai . use tax ki income ka istemal govt public sector ke kaam ke istemal karti hai. yadi govt ke pas income na hogi toh vah kha se public ke kaam ko pura karegi .. lekin jab hem apni mhnet ki kmai ka part dete hai toh lekin tax ko churana ya na dena bhi  illegal hota hai lekin thodi si soch samj ke apni saving ki jaye toh income tax se bacha ja sakta hai. aise bhut se option hai jinke andar aap saving kar sakte hai aur apko use income ka tax bhi nhi dena padega  lekin aap apne paise ko aise hi rakhenge toh apko tax dna padega . toh aap hem apko kuch income investment option btayenge jinke andar aap saving karke tax se bach sakte hai.

1. Pradhan Mantri Sukanya Samriddhi Yojana

Pradhan Mantri Sukanya Samriddhi Yojana govt dewara girls ki security ke liye start ki gyi  yojana hai . yah girls ke fature ke protection ke sath tax saving option bhi hai . kyoki iske andar savings ke uper koi tax nhi  lagta hai . apko iske andar investment karne ke liye sabse pahle Sukanya Samriddh account open karna padta hai aur aap bank ya post office ke andar Sukanya Samriddhi acount open kar sakte hai.

iske andar tax free savings ke sath sath bhut se benifit milte hai . iske andar aap kam se kam 1000 aur jyada se jyada 1 lakh tak bachat kar sakte hai.kyoki iske andar apko 9.2 intrest rate se intrest milta hai. aur jab apki girl ki age 21 year ho jaye toh aap apne paise ko with intrest niklwa sakte hai.

2. NPS (National Pension System)

NPS bhi ek tax free investment option hai hai jiske andar aap investment karke tax se bach sakte hai under sec 80C 1.5 lakh tak ke tax bachane ke sath sath aap National Pension System me yearly 50,000 tak investment kar sakte hai aur income tax se chutkara pa sakte hai 2015 ke budget me  govt ne icome tax act 1961 ke sec. 80CCD ke under yearly 50,000 tak ke NPS investment tax free hogi. isliye bhut jyada logo ne is scheme ka fayeda uthaya tha.

3. Life Insurance Me Invest Kar Sakte Hai.

Life insurance bhi ek tax free savings option hai iske andar yadi aap investment karte hai toh yah apko life insurance ke sath sath tax free savings ka bhi benifit deta hai . aap apni puri family ka life insurance karwa sakte ho jis se aap jyada se jyada chut pa sakte hai  iske andar under sec.80c tax me chut hai . aap iske andar investment karke achee paise bacha sakte hai.

4.  Public Provident Fund (PPF)

PPF bhi ek best  tax free investment option hai.aur tax bachane ke liye PPF (public provident Fund) hemesa logo ki pasand raha jai kyoki PPF me 51 year ke liye investment lock hoti hai. iske andar investment karke apne fature savings ke sath sath tax me bhi bhut  benifit milte hai.aur PPF ke andar se aap 50%  investment ko aap 7 years me nikal sakte hai. aur PPF me kiya gya investment toh tax free hoti hai iske sath sath ispe milne wala intrest bhi tax free hota hai .aur maturity date par milne wali rasi bhi tax free hoti hai . aur yah yah best risk free investment option hai jiske andar ek dem safe investment hoti hai.

5. Fixed Deposit (FD)

Yadi aap ye sochte hai ki sabhi parkar ki FD tax free hoti hai toh apko bta de ki sabhi ttreh  ki FD tax free nhi hoti hai yah 5 years locck period wali FD  tax free hoti hai normally bank 10 years ki FD ki facilities dete hai.aur intrest ki Amount 10,000 rupee se adhik hone par DTS kata jata hai aur is se kam amount tax free hoti hai. lekin yah ek best tax free investment option hai .

Aur Ydi aap FD Karwa rahe hai to apko aur bhi bahut sare fayede mil sakte hai. Agar apke bank account me FD hai to aap ko bank se loan mil sakta hai, aur aap overdraft bhi issue karwa sakte hai. Sabse bda aur achha fayeda hai ki aap FD ke upar apna Credit card bhi banwa sakte hai. Agar FD na ho to apko bahut sari formalities puri kani hoti hai lekin agar apki bank me FD hai to apko Credit card bhi badi asaani se mil jata hai.

6. Equity Linked Savings Scheme (ELSS)

Equity Linked Savings Scheme bhi ek tax free investment option hai yah ek savings option ke sath sath tax free investment option bhi hai . iska sabse bda reason hai iska 3 years ka lock period aur simple  investment option hai. pichle kuch samaye me ane wali market ke andar tezi investor ko isko aur jyada attract kiya hai kyoki  iske andar tax free ke sath achaa return bhi milta hai. aur market ko achii  treh jane wale investor ke liye yah ek dem best investment option hai

Iske andar apko 12% intrest milta hai. or isme investment ke uper tax nhi legta hai .yadi aap Lambe Samay Tak investment karna chahte to yahe ak best option hai iske andar aapko high investment return Milta Hai aur isme risk bhi kam Hota Hai|

7.  Rajiv Gandhi Equity Savings Scheme (RGESS )

Rajiv Gandhi Equity Savings Scheme bhi ek achaa tax free investment option hai. yah scheme unke liye hai jinhone kbhi share market ke andar investment na ki hai. iske andar aap 50,000 tak ki limit me jitni bhi investment karte hai uski 50% tax free hoti hai lekin apko bta de ki iske andar bhut jyada risk hota hai isliye apko ek dem soch smjhkar iske andar investment karni chahiye .

Kyoki iske andar apki amount ko share market ke andar invest kiya jata hai aur apko pta hai ki share market ke andar kitna risk hota hai.

8. Home loan

Home loan ghr ko khridne ke liye liya jata hai. iske andar apko tax se related bhut se benifit milte hai. aur iske andar do benifit milte ek toh apko ghr ke liye loan milta hai aur ek apko tax me bhi bhut chut milti hai.
Home loan jab lete hai uske uper diye jane wale intrest 2 years tak tax free  hota hai , iske andar ek aur bda benifit hai ki yadi aap aur apki wife dono jab karte hai toh aap dono tax benifit le sakte hai . isliye yah ek kisi investor ke liye best investment option hai .

 9. Medical Insurance

Medical Insurance ke andar bhi aap achaa tax benifit pa sakte hai . kyoki yadi aap apne bachoo , wife ke liye medical insurance lete hai to iske andar ki gyi investment ka kuch part tax free hota hai income act under sec.80c 25,000 amount tak premium tax free hota hai.

yadi aapne apne papa aur mami ke medical insurance kerwaya hai toh yadi unki age 60 years se jyada toh apko yearly Rs .30,000 tak premium tax free hota hain . yani ki aap Rs. 55,000 tak tax bacha sakte hai

10. Tax Free Bonds

Yah ek parkar ka debt intrument hai. company ko jab paise ki jarurat padti hai toh vah ise treh ke bond issu karti hai. tax  free bond par milne wala return par tax nhi lagta hai.inki yah khasiyet hai ki apke hath me jo return ayega wo FD se jyada hoga lekin yha yad rakhe ki tax free bondska matleb sirf yah hai ki is se milne wala intrest par koi taxnhi lagta hai. lekin apki investment ke uper koi tax me chut nhi hoti hai.

Toh yadi aap income tax se bachna chahte hai toh aap inke andar investment kar sakte hai . Hme ummed  hai ki aapko tax free saving  ke bare me di gayi sari jankari pasand aayi hogi. pasand aye toh apne dosto ko bhi share kare.

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