Still there is not much difference...around 2k per month but if we choose the old regime then it's sound compulsion for home loan and electric vehicle...it's better to choose new regime to get rid of documents hassle which we need to submit in end of the year... Actually government are trying to vanish the old regime because of tax evasion
Agree with you for me difference is 1200-1300 rs vs old regime . Which is worth to pay to get rid of documents hasle . So guys it totally depends upon how much deduction benefit you can squeeze from old regime to reduce your taxable income if the margin is big then go with old regime
FINAL TAX: 2,62,500 Deduct another 1,50,000 For NPS Tier - I (Max 7.5 LPA, 10% of Basic) Certification / Books - 1,20,000 Food coupon : 38,000 Circular - 24000 Internet - 36,000 Petrol bill - 36,000 Driver Salary - 60,000 Net Salary = ~15,00,000
still some thing missed in old regime, any one can get hra deduction of 1.5 to 2 Lac also any one can get some petrol/food reimbursement of upto 70-80k
@@TheMaxconfig2.0 the tax payer is living in his own house and claiming deduction of Rs. 2 lakh against interest payment on home loan. No rent payment, no HRA deduction. Conveyance allowance is no more applicable as it has been subjumed in standard deduction.
HRA jo basic ka 50% hota hai ya salary ka 25% hota hai wo kaha gaya claim . Tel lene kay 😂 wo consider karoge to 6 lac automatically aur kam ho jayega . To OLD TAX REGIME ho better hoga . Na ki new tax regime . Percusite aur vi bahut sare ways hai. . higher tax brackets walo ke liye OLD is GOLD 😊
@@norules7142 Lekin tax payer khud ke ghar me raha rahah hai. Homeloan liya hai. Us ka interest par deduction bhi claim kar raha hai. Rent pay nahin kar raha hai. Ab batao HRA ka deduction kaise lega?
But sir itne deduction lena exceptional hai not every body can claim like this please make content for common people who having only the life insurance policy or mediclaim and house property loan and then compare which regime is better
25LPA mein around 1.5L aata h in hand.. 12.5k pm in 80c 4.5k pm in NpS 30-40k pm home loan emi 7k pm insurance Half salary yahi nikal Gaya Rent & essentials 30k Bacha 50k bas every month 😂 And pay 4-5Lacs in tax every year Shit Government
bhai yeh sab mat suno i am cfp i know finance like him you are giving 4.5 lakh investment for saving 30,000 tax just pay tax and invest 1 lakh in mutual funds easily you will get 12% also you will save 4 lakh that you invest every year means 32000 per month
😎👍👏👏 Very nice advise. That actually makes sense, Thanks alot bro.. Just pay the tax due as per old regime and invest the remaining. Simple formula! Also what to do for yearly 25000 Tax on Bank FD? ( i.e.10% on interest accrued annually)
Mostly new tax regime will be more suitable for you but I suggest you compare both regimes side by side based on your taxable income and then take the decision accordingly.
Isliye toh bolta hu k government ne new tax regime ka gajar diya hai. Fayda kuch nahi hai... Aur yeh tax regime mai change kar nahi rahe, same old thing for past 10 years
Aap log aise doctors par video banay jo cash consultation charge krte hai ,fees ₹ 500 95% doctors apne clinic me lete hai aur per day average 50 patients hote hai, to per day 25000 kamate hai cash me,,lekin unka tax contributions kya hai, iss par aaj rak koi kyu baat nhi krta hai,,ye mujhe bhi smajh nhi aata
Sir ji 🙏, Yadi koi vyakti 75% divyang ho, 39000 ka Conveyance allowance for pwd bhi mil raha ho, aur koi home loan na ho tab... Tab bataiye ki kitna income tax banega...???
Fake news spreaded fast and I am yet to file income tax....in the old tax regime I have 18000 refund and in new tax regime it is showing 50000 rs tax...
@@mukut5ulin the illustration the tax payer is living in his own house and claiming deduction of Rs. 2 lakh towards interest payment on home loan. Not paying rent.
Are you salaried or a self employed? What is your basic salary? What is the HRA you get? How much rent do you pay? If you answer these questions then I'll be able to answer your question.
@@SandeepKumar-ku2zx no I didn't forget it. In the example, the assessee is living in his own house and claiming deduction against interest payment on home loan.
Pf deduct hua hoga to deduction lelena Otherwise lic hoti hi wo deduction. Medical insurance hoga to wo otherwise 5000 ka preventive check up ka deduction lelena N 50k ka deduction milta hi h wo lelena 😉
No. Employer will not deduct Rs. 50,000 from your salary. Deduction in this context means that the tax will be calculated only on the balance amount after Rs. 50,000. For example, if you get a salary of Rs. 10,00,000 then tax will be calculated only on 9,50,000. It will help reducing your tax liability.
@@gaurav0901 bhai sahab, agar banda khud ke ghar me rahta hai, homeloan ke interest par deduction bhi claim karta hai to HRA ka deduction kaise lega? Experts par bharosha rakhiye.
kya hai ye😂😂😂 new tax regime mai tax Kam lagte hai or tax slabs hai upto 2.5 lakh no tax 5 lakhs main 5% tax or 5 se 10 main 20% tax so aise hi hasab hoga 19 lakhs main se 2.5 lakh ka tax nehi lagega uske bad 5% fir 20% eise jab tax Dena padega to tax bahut kam ayega
Sir, my CTC is around 20L per year. I've to buy a house for myself. I have the full amount ( my savings+ parent's money ) . Can I buy it in cash or with Home Loan ? Please suggest. Thanks!!
In current market situation I'd say keep liquid money with you Give 20-30% as downpayment this should help you negotiate better deal with builder if you are buying under-construction property Get a homeloan with favourable pre closure terms... give two emis instead of one every month... This will pay off your principal in early years of loan tenure.. If you follow all this the benefit is you'd have cash for uncertain times Use to invest elsewhere gold equity gov bonds etc. Bank will take up your risk of acquiring property and this way you will always have money in Bank and your property will be created with No stress as EMI will be much lower this way...and if you ever get big sum of money from somewhere dump it into homeloan try to close it within 5 years
Bhai agar tax chori karana he toh old tax regime.....sidhe sidhe bola kyunki jin section me bata rahe ho ushme pahle invest Kara do ya jhoot ki donation dikhao
@@reshuchoudhary1817 no tax benefit on cash payment of health insurance policy. Payment must be made by other than cash mode u/s 80D of income tax act.
Sir jo employees ops me cover hai kya wo nps me only 50k invest krke above 80c 1.5 lakhs(gpf+si+children education fee.) 80ccd1b ke under 50k ki exemption claim kr skte hai
@@pankajmathpal sir ek advisor (jo pension plan bechte hai Pvt.) Ne kha ki nps me 50 k additional exemption jb mile gi jb 80c ki 1.5 lakh ki limit nps se complete kre sir please reply
There is a difference between between Deduction, exemption and rebate. Rs. 2.50 lakh what you are referring is a basic threshold limit under old tax regime on which tax is not calculated. Under the new tax regime it is Rs. 3 lakh. The tax calculation is correct. Tax calculation is applicable in the slabs and the tax on 1st slab of 2.50 under old tax regime or 3 lakh in new tax regime is Nil for AY 2024-25 and AY 25-26.
@Riyanshkumar, In the illustration the tax payer is living in his own house and claiming deduction of Rs. 2 lakh towards interest payment on home loan. Not paying rent.
![[UNCUT] The Loyal Pin ปิ่นภักดิ์ EP.7 (1/4)](http://i.ytimg.com/vi/2rPGOyKs0VE/mqdefault.jpg)
20 k bachane ke liye 5 lakh ka investment krwa diye. For boloki old achha hai... 😂😂
old is better always ... don't twist with new..
No one can claim all category limit i.e. 5 lakh deduction.
simple choose new tax regime if you are 30% tab slab and deduction is less than 4 lac.
Instead i would go with new regime and invest in mutual funds for better returns 😂
wo investment aapka hi rahega sir ji . 😊
@@EnggMakheard of tax saving ELSS mutual funds?
2 लाख इंटरेस्ट जाणे के लिये काम से कम 30 लाख का होम लोन लेना पडेगा उसका टेन्शन अलग से 😂😂
न्यू टॅक्स रजिमे जिंदाबाद 😂
Still there is not much difference...around 2k per month but if we choose the old regime then it's sound compulsion for home loan and electric vehicle...it's better to choose new regime to get rid of documents hassle which we need to submit in end of the year... Actually government are trying to vanish the old regime because of tax evasion
Agree with you for me difference is 1200-1300 rs vs old regime . Which is worth to pay to get rid of documents hasle . So guys it totally depends upon how much deduction benefit you can squeeze from old regime to reduce your taxable income if the margin is big then go with old regime
Kuttey ke punch tadi hi rahigi, chahey kahin say pakadlo, govt ko khud dena hoga to mahine nikal jayege, lakin lana ho to, 🤔😖☹️
If there is no housing loan dont even go for old. And buying a house is one of the worst investment in metro cities.
He has not shown any allowances and HRA. HRA can be many times of your home loan benefit.
@@Freak512llllo।
FINAL TAX: 2,62,500
Deduct another 1,50,000 For NPS Tier - I
(Max 7.5 LPA, 10% of Basic)
Certification / Books - 1,20,000
Food coupon : 38,000
Circular - 24000
Internet - 36,000
Petrol bill - 36,000
Driver Salary - 60,000
Net Salary = ~15,00,000
Kya hai ye bhai....hame bhi samjhao kuch....bill certification?
Food coupon limit 26400 hai saal ki
HRA kyu sab bhul jata hai bhai . 50% basic ka hai .. even perquisites ko consider karoge to aur bahut jada kam ho jayega
still some thing missed in old regime, any one can get hra deduction of 1.5 to 2 Lac also any one can get some petrol/food reimbursement of upto 70-80k
@@TheMaxconfig2.0 the tax payer is living in his own house and claiming deduction of Rs. 2 lakh against interest payment on home loan. No rent payment, no HRA deduction. Conveyance allowance is no more applicable as it has been subjumed in standard deduction.
And HRA and employer contribution to NPS is also to be accounted
Yes you can claim hra
Jo government employees hain woh q apna health insurance alag se karwayga jabki usko puro medical benefits milega company se
pvt ko bhi milta hai
Pankaj sir, along with all these investments from what level of salary does the New Regime start getting better than the old?
above 12 lakh taxable amount
80 c aur nps ke 2lac rs agar shares me dale to 3 years me 7 se 8 guna ho jaenge . Jb ki elss me sirf 1.5 times return milega
sapne me😂
3 years main 700 % koun de Raha bhau
Home loan sab k pass nahi hota
Sahi baat bhai uper se 2 lac agar interst hai to per month emi 35K se uper aayegi
home loan me itna focus why? . sab nehi lete
Sabko home loan Lena chahiye, isilye to ye clause dala hai😂
@@Jay_1509home loan lagney kaisey, No home, no loan, 💫🤔😖
It's a middle class trap, and no rules in real estate.
HRA jo basic ka 50% hota hai ya salary ka 25% hota hai wo kaha gaya claim . Tel lene kay 😂 wo consider karoge to 6 lac automatically aur kam ho jayega . To OLD TAX REGIME ho better hoga . Na ki new tax regime . Percusite aur vi bahut sare ways hai. . higher tax brackets walo ke liye OLD is GOLD 😊
@@norules7142 Lekin tax payer khud ke ghar me raha rahah hai. Homeloan liya hai. Us ka interest par deduction bhi claim kar raha hai. Rent pay nahin kar raha hai. Ab batao HRA ka deduction kaise lega?
होम-लोन ब्याज भरने का ,1,76,427 बन रहा है भरने पर ,यह केवल 50,000 ही काट रहे हैं यह क्या हो रहा है 😢😢
Cash Outflow in Old regime
475000+421200=₹ 896200/- Approx.₹ 900000
In New Regime ₹ 452400/-
What about Liquidity?
But sir itne deduction lena exceptional hai not every body can claim like this please make content for common people who having only the life insurance policy or mediclaim and house property loan and then compare which regime is better
25LPA mein around 1.5L aata h in hand..
12.5k pm in 80c
4.5k pm in NpS
30-40k pm home loan emi
7k pm insurance
Half salary yahi nikal Gaya
Rent & essentials 30k
Bacha 50k bas every month 😂
And pay 4-5Lacs in tax every year
Shit Government
Sir sirf deduction se tax nhi bachta exeption income bhi show karo jaise hra pf bacho ki fees
जिसका इंवेस्ट कम है उसके लिए New Regime Best है l
bank aur company Wale agr tds na Kate toh hi new tax regime sahi rahega warna old hi sahi hai
जिन्हे Home rent और लोन का झंझट है old regime उनके लिए बेस्ट है
Nice🎉
bhai yeh sab mat suno i am cfp i know finance like him
you are giving 4.5 lakh investment for saving 30,000 tax
just pay tax and invest 1 lakh in mutual funds easily you will get 12% also you will save 4 lakh that you invest every year means 32000 per month
😎👍👏👏 Very nice advise. That actually makes sense, Thanks alot bro.. Just pay the tax due as per old regime and invest the remaining. Simple formula!
Also what to do for yearly 25000 Tax on Bank FD? ( i.e.10% on interest accrued annually)
CFP means
This short video is incomplete. He has leaft HRA deduction
He has considered a home loan. You can replace that with HRA if you are living on rent.
Hi Sir, what if I have only 80c and insurance. Which will you suggest ?
Mostly new tax regime will be more suitable for you but I suggest you compare both regimes side by side based on your taxable income and then take the decision accordingly.
Maximum deduction kitna krwa skte h , I think it should not greater then 1.5lakh
80C ka 150000 ka limit h baki sab ka alag se deduction h
Can one show home loan in addition to house rent deduction or you can show only one?
You can use both,there is no doubt about that
What about entertainment sec 16(¡¡) 5000
Isliye toh bolta hu k government ne new tax regime ka gajar diya hai. Fayda kuch nahi hai...
Aur yeh tax regime mai change kar nahi rahe, same old thing for past 10 years
Hra, lta, bhi add Karo,
Aap log aise doctors par video banay jo cash consultation charge krte hai ,fees ₹ 500 95% doctors apne clinic me lete hai aur per day average 50 patients hote hai, to per day 25000 kamate hai cash me,,lekin unka tax contributions kya hai, iss par aaj rak koi kyu baat nhi krta hai,,ye mujhe bhi smajh nhi aata
Not every time
Jab sara paisa hovt ko hi de dena hai to khud k paas kya aya iss se accha hai 20000 aur de do and invest as per ur own need.😊
Agr 14 lakh income h or 6 lakh chhor k baki ka pura 8 lakh investment kr diya, to tax kitna lagega?
Wow thanks
Sir ji 🙏,
Yadi koi vyakti 75% divyang ho, 39000 ka Conveyance allowance for pwd bhi mil raha ho, aur koi home loan na ho tab... Tab bataiye ki kitna income tax banega...???
Choose old tax regime it will be beneficial
50000 mein senior citizens ke liye koi bhi insurance nahi milta hai
But sir apne 80C ( pf) and 80ccd dono claim krdiye, with 2 lakh
Both can be claimed but kunt limit is 1 lakh only
Limit u/s 80C Rs. 1.50 lakh and the limit U/s 80 CCD (1b) is Rs. 50,000. That's why the total is Rs. 2 lakh.
@@pankajmathpal thank you sir👍Google created doubt when I searched it online, now cleared
If u don't want to spend on investment
Go for new regime
Fake news spreaded fast and I am yet to file income tax....in the old tax regime I have 18000 refund and in new tax regime it is showing 50000 rs tax...
Kitna tax pay karna hai.. Hai tho interesting.
Lekin how much money in hand.. As per both regime??
Hra also there
@@mukut5ulin the illustration the tax payer is living in his own house and claiming deduction of Rs. 2 lakh towards interest payment on home loan. Not paying rent.
Kya mazak hai old tax me aur bachat karne ke liye crtical ilness bhi karwa lu kya.??
Haven’t added exemptions
Added what was relevant and important to explain in the 1 minute short video. Keep watching my long videos for detailed information.
how much deduction if I am living in rented house ?
Are you salaried or a self employed?
What is your basic salary?
What is the HRA you get?
How much rent do you pay?
If you answer these questions then I'll be able to answer your question.
@@pankajmathpal salaried.
basic 10,40,000
HRA 5,20,000
Rent - how much should I declare, ? I will transfer amount to mother's account.
Home loan interest is only 50000/- deductible
No!
Brother you forget HRA deduction.
@@SandeepKumar-ku2zx no I didn't forget it. In the example, the assessee is living in his own house and claiming deduction against interest payment on home loan.
Pl advise how income from other sources is added to total income
What's your doubt pls elaborate it.
Sir 6.38 Lakh Salary hai, without any investment?
Kitna tax dena hoga?
Pf deduct hua hoga to deduction lelena
Otherwise lic hoti hi wo deduction. Medical insurance hoga to wo otherwise 5000 ka preventive check up ka deduction lelena
N 50k ka deduction milta hi h wo lelena 😉
No Tax.......Because 7.50 lakh tkk koi tax nhi hai
@@avinashkaushal753 Kaise? Details me btao
@@Rock30052 th-cam.com/video/-Ivrnaj0Ycc/w-d-xo.html
Nps k 50000 add krke 8 lakh tk tax free nhi h?
Mera agreement 24 Feb ko huha hai
. Kitne din bad TDS fill Krna hota hai or kitne days ki bad late charges lagata hai
Does it mean, employeer will deduct 50k frm the annual salary under standard deductions. Pls clarify.
No. Employer will not deduct Rs. 50,000 from your salary. Deduction in this context means that the tax will be calculated only on the balance amount after Rs. 50,000. For example, if you get a salary of Rs. 10,00,000 then tax will be calculated only on 9,50,000. It will help reducing your tax liability.
This isn't as true as one thinks
अगर सारी deductions हों तभी फायदा है🌹 वर्ना home loan और medical insurance कौन करता है😅
My company gave me 10k per month for 4 years now I am returning that money with interest, 5.8lakhs can I deduct this amount from my anual income?
no
Nice video
New tax regime hi sahi hai aisa bolo,, kon itna investment karega,, tumhara Ye Consultant dega 😂
Galat information dia hai. New tax regime me Std. deduction, Nps employer contribution, official tour etc consider kia hi nahi. 😂
HRA he can save also
Tax to bhardu but itna salary hi nahi de raha koi
Bhai sahab.. HRA.. Rent reduction kaun karega
@@gaurav0901 bhai sahab, agar banda khud ke ghar me rahta hai, homeloan ke interest par deduction bhi claim karta hai to HRA ka deduction kaise lega? Experts par bharosha rakhiye.
Govt contribution u/s 80 CCD 2 mein kar sakte hai?
@@arghadhar640 yes, old and new dono me allowed hai.
800935 annual income... N new tax regime k according 2780 tax bn rha h har month tds... Is it better to choose old regime??
not much difference
My yearly gross income is 10 lakh something' am a disable person .. pls suggest me tax regime old or new
New
kya hai ye😂😂😂 new tax regime mai tax Kam lagte hai
or tax slabs hai upto 2.5 lakh no tax
5 lakhs main 5% tax or 5 se 10 main 20% tax so aise hi hasab hoga
19 lakhs main se 2.5 lakh ka tax nehi lagega uske bad 5% fir 20% eise jab tax Dena padega to tax bahut kam ayega
I m living in govt quarter and not getting HRA so can i get any benefit in income tax wrt rent??
No
HRA kaun pakdega?
Sir, my CTC is around 20L per year. I've to buy a house for myself. I have the full amount ( my savings+ parent's money ) . Can I buy it in cash or with Home Loan ? Please suggest. Thanks!!
th-cam.com/video/doEvebkK94k/w-d-xo.htmlsi=p-zQz4rajeSIVUoN
As an experienced individual I would suggest never go for loans for saving tax !
In current market situation I'd say keep liquid money with you
Give 20-30% as downpayment this should help you negotiate better deal with builder if you are buying under-construction property
Get a homeloan with favourable pre closure terms... give two emis instead of one every month...
This will pay off your principal in early years of loan tenure..
If you follow all this the benefit is you'd have cash for uncertain times
Use to invest elsewhere gold equity gov bonds etc.
Bank will take up your risk of acquiring property and this way you will always have money in Bank and your property will be created with No stress as EMI will be much lower this way...and if you ever get big sum of money from somewhere dump it into homeloan try to close it within 5 years
Ye sab invest krne vale.ko h
Agar koi medical insurance nhi liya h ya fir apna Ghar h loan nhi h to kya krega NPS bhi itna sahi option nhi lgta
To app 210000 tàk deduction le skte h agr app old regime me jate h nhi to new regime best h
Sir senior citizen medical insurance which section ???
80D
Bhai agar tax chori karana he toh old tax regime.....sidhe sidhe bola kyunki jin section me bata rahe ho ushme pahle invest Kara do ya jhoot ki donation dikhao
Home loan nhi toh kya kre
Home loan and insurance humbuk
aur ye sab investment me kara paisa jo gya ?
isse acha wo paise ko equity me dalo aur profit pao
Salary monthly ya yearly confusion
Yearly
Sir Forgot HRA😂😂
Sir main apse personal baat kar sakta huun sir
Jinke pass home loan hai unke liye koun sa better hai
New tax regime
Bina proof ka medical expenses 50 k dikha sakte hai kya ?
Nahi.
Home loan pr hi milta kya deduction yaa personal loan pr bhi?
Not on personal loan.
New Tax regime me 80 CCD (2) ka minus hota h ki nhi ?
hota h
Pls put a video on, if salary is 18L PA ?
Are Google karlo fincalc-vlog ke calculator me😊
Please tell your deductions , I will calculate and advice you
Pati patni dono job m h
Health policy pati k naam par h
Uske rebate patni le sakti h k
Jisne premium pay Kiya hai woi le sakta hai.
@@pankajmathpal cash payment Kiya tha
@@reshuchoudhary1817 no tax benefit on cash payment of health insurance policy. Payment must be made by other than cash mode u/s 80D of income tax act.
Parents k medical expenise kese show krenge?
Online payment receipt hona chahiye
Itni deduction hogii toh khaegaa kiyaa
Itna jyda jab premium de hi diye to bacha kya haath me g😅
Is it compulsory to take home loan 😂😂😂😂 ?
What about HRA
House rent allowance....employer provides it to meet accommodation expenses.
Or basically, it is a tactic to reduce tax 😂
पकड़ते बहुत हो आप
Aub godi ka pakad lo, no tax, 💫🤔😂🍷🍺
😊means
HRA bhi add Karo,
Khud ke ghar me rahta hai. HRA fully taxable hai. Income me jod diya hai.
Sir jo employees ops me cover hai kya wo nps me only 50k invest krke above 80c 1.5 lakhs(gpf+si+children education fee.) 80ccd1b ke under 50k ki exemption claim kr skte hai
Yes
@@pankajmathpal sir ek advisor (jo pension plan bechte hai Pvt.) Ne kha ki nps me 50 k additional exemption jb mile gi jb 80c ki 1.5 lakh ki limit nps se complete kre sir please reply
@@adityaupadhyay6813 yes, you can claim deduction of Rs. 50,000 us 8CCD(1B) if you contribute in NPS in adtion to Rs. 1.50 lakh u/s 80C of IT act.
@@pankajmathpal sir it will affect my old pension scheme(ops)?
@@adityaupadhyay6813 no
Itni deduction kaun karta hai???
Bhai jinki income hoti h achi figures me unhe deductions ki sardardi leni padti h for paying less tax
Is hi liye 25 lakh ki salary ka example liya hai. Jinki salary achhi hoti hai wo hi itna deduction claim kar pate hain.
😊
loan ako
Hingi ako pera
5000
musta
Hra kaha h
Home loan liya hai. Khud ke ghar me rahta hai. Rent pay nahin karta.
25 lakh kamane wala aadmi 30k bacha ke kya he ukhad lega😂😂😂 new is simple new is best
Best h new regime me jao kyu faltu ke notice ke chakkar me pado
House Rent ka bhul Gaye
Sab kuch manke aur pakad k chalna padega bhai old tax regime mein
Nps to 80c me aa jayega na
80ccd me ata hai aur 80c se extra 50k ki deduction claim kr skte hain
And 2.5 lakh is tax free that u r not adding
There is a difference between between Deduction, exemption and rebate. Rs. 2.50 lakh what you are referring is a basic threshold limit under old tax regime on which tax is not calculated. Under the new tax regime it is Rs. 3 lakh. The tax calculation is correct. Tax calculation is applicable in the slabs and the tax on 1st slab of 2.50 under old tax regime or 3 lakh in new tax regime is Nil for AY 2024-25 and AY 25-26.
Sir HRA bhi deduct kar do😃😃
@Riyanshkumar, In the illustration the tax payer is living in his own house and claiming deduction of Rs. 2 lakh towards interest payment on home loan. Not paying rent.
and add HRA too
He is living in the house which is owned by his wife. Deduction is not allowed on rent paid to wife.
U can't claim home loan and HRA together!
Nps employer contribution 80 CCD (2B) ?
HRA bhi to hoga Mota isme