Aaj ke time me tax planning sirf tax bachane ka tareeka nahi hai, balki apni financial growth ko smart tarike se manage karne ka ek powerful tool hai. Agar sahi samay par sahi planning na ki jaye, to unnecessary tax burden aapki income ko kaafi reduce kar sakta hai.
Is blog me CA Neha Gupta aapko income tax planning, tax saving tips aur legal tax benefits ke baare me detail me guide kar rahi hain.
🔍 Tax Planning Kya Hai?
Tax Planning ek legal process hai jisme hum Income Tax Act ke rules ke under rehkar apna tax kam karte hain.
👉 Tax planning ka matlab tax chhupana nahi, balki right investment + right deduction ka use karna hai.
📌 Tax Planning Kyun Zaroori Hai?
✅ Tax liability kam hoti hai
✅ Income ka maximum utilisation hota hai
✅ Future financial security banti hai
✅ Cash flow better hota hai
✅ Government penalties se bachaav hota hai
🧾 Income Tax Saving ke Best Options (India)
✔ Section 80C (₹1.5 Lakh Tak)
- LIC / Term Insurance
- PPF (Public Provident Fund)
- ELSS Mutual Funds
- EPF / NSC
- Tuition Fees
✔ Section 80D – Health Insurance
- Self + Family Medical Insurance
- Parents ke liye additional deduction
✔ Home Loan Tax Benefits
- Interest deduction – Section 24(b)
- Principal repayment – Section 80C
✔ Old Regime vs New Tax Regime
CA Neha Gupta ke according, har taxpayer ke liye alag regime better hoti hai.
Isliye blindly new ya old regime choose na karein – calculation zaroor karayein.