इनकम टैक्स बचाने की Top 10 तरकीब

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नए वित्तवर्ष 2024-25 एक तिमाही से ज़्यादा वक्त बीच चुका है, और इनकम टैक्स की चिंता अभी से हर नौकरीपेशा को तनाव देने लगी है.

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आज हम बता रहे हैं इनकम टैक्स बचाने की टॉप 10 तरकीबें, जिनसे Old Tax Regime के तहत ITR फ़ाइल करने वाले बचत कर सकेंगे.

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1. धारा 80सी के तहत Savings करें : इसमें PF, PPF, LIC, पेंशन फंड, NSC, ULIP, ट्यूशन फीस, ELSS, सुकन्या समृद्धि योजना आदि में निवेश पर कुल ₹1,50,000 की छूट दी जाती है.

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2. NPS खाता खोलें : इस निवेश पर ₹50,000 की छूट (धारा 80CCD1B) मिल सकती है. इससे रिटायरमेंट के बाद पेंशन का सुख भी मिलेगा.

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3. धारा 80TTA याद रखें : बचत खातों में जमा पर मिला ब्याज टैक्सेबल होता है, लेकिन धारा 80टीटीए के तहत ₹10,000 तक ब्याज पर टैक्स में छूट मिलती है.

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4. होम लोन पर दिए ब्याज पर हासिल छूट : होम लोन की EMI में ब्याज की रकम पर ₹2,00,000 सालाना तक की रकम पर टैक्स छूट मिलती है.

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5. हेल्थ इंश्योरेंस प्रीमियम पर छूट : अपने, जीवनसाथी या आश्रित बच्चों के लिए हेल्थ इंश्योरेंस पॉलिसी के प्रीमियम पर ₹25,000 तक छूट मिल सकती है.

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5a. इसके अलावा, 60 वर्ष से अधिक उम्र के माता-पिता के लिए दिए प्रीमियम पर ₹50,000 तक की अतिरिक्त छूट पा सकते हैं.

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6. 80DD के तहत छूट : आश्रितों में कोई दिव्यांग हो, तो उन पर किए खर्च पर ₹75,000 से ₹1,25,000 तक की छूट पाई जा सकती है.

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7. 80DDB के तहत छूट : आश्रित के रोग विशेष के उपचार में किए गए खर्च पर ₹40,000 से ₹1,00,000 तक की छूट हासिल की जा सकती है.

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8. एजुकेशन लोन पर छूट : धारा 80ई के तहत एजुकेशन लोन पर चुकाए ब्याज पर टैक्स नहीं लगता. इस धारा के तहत समूचे ब्याज को टैक्स फ़्री माना जाता है.

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9. सही टैक्स व्यवस्था चुनें : अब पिछले कुछ साल से इनकम टैक्स कैलकुलेट करने और चुकाने के लिए दो-दो व्यवस्थाएं मौजूद हैं, जिन्हें Old Tax Regime और New Tax Regime कहा जाता है.

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9a. पुरानी कर व्यवस्था में उपरोक्त सभी छूट दी जाती हैं, लेकिन टैक्स स्लैब, यानी इनकम टैक्स की दरें कुछ ज़्यादा होती हैं.

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9b. नई कर व्यवस्था में अधिकतर छूट नहीं दी जातीं, लेकिन टैक्स की दरें काफी कम होती हैं. सो, बहुत तसल्ली से हिसाब लगाकर तय करें.

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10. समय से टैक्स दें, वक्त पर दाखिल करें ITR : 31 मार्च को खत्म होने वाले वित्तवर्ष के लिए उसी साल 31 जुलाई तक ITR दाखिल करनी होती है.

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10a. याद रहे, यदि कोई टैक्स देनदारी जुलाई में याद आती है, जिसे 31 मार्च से पहले जमा नहीं करवाया था, तो आपको ब्याज भी देना होगा, और कुछ जुर्माना भी.

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10b. तय तिथि के बाद ITR दखिल करने पर खासा जुर्माना वसूल किया जाता है. सो, बेहतर है, 31 मार्च से पहले सेल्फ एसेसमेंट टैक्स जमा करवाएं, और ITR भी 31 जुलाई से पहले जमा कर दें.

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