Best Tax Saving Guide | Complete tax planning for salaried persons | LLA
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- เผยแพร่เมื่อ 4 มิ.ย. 2024
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In this video, we will learn about How can we save Taxes? How to Save Income Tax for salaried employees? How to save tax other than 80C? Exemptions for salaried employees? Deductions for salaried employees?
Chapters:
00:00 How to Save Tax for salaried persons?
00:53 Income Tax Deduction & Exemption
02:29 Old Tax Regime Vs New Tax Regime
04:04 Exemptions for salaried persons
05:20 HRA Tax Exemption
08:10 Leave travel Allowance Exemptions
09:47 Reimbursements
12:37 Deductions for salaried persons
12:58 80C Deduction
13:45 80CCD Deduction
14:33 80D Health Insurance
15:00 80EE Interest on home loan exemptions
16:30 Tax Calculation Example
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Tax Planning Guide #1: • 12 Lakh Salary, Zero T...
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VPF is one of best option I think
Value investor kese aapna tax bachae ??
Sir for business person examination and direction video
Video's seems good and interesting but I don't know hindi bro, I am from south India. So Can you do video's in english or with subtitles.
@Labour Law Advisor. I have a different scenario. Let's say I stayed in home(non metro) with parents for 6 months and later shifted to city and stayed there for other 6 months. Can I apply for hra for 2 houses now? In video you told you can't apply for hra when you stay in 2 houses parallallely.
Thank you
after 10+2 Income tax should be a compulsory cource in ever educational institution as the Student enter into market.
How will government suck ur money then!! 😂
Taxation is mandatory in commerce graduation
Ham kya kare fir? Job chod de?😅
First 2 minutes into the video and i can already see massive value. Keep up with the content folks!
An employee's contribution to provident fund (PF) is considered as part of Section 80C of the Income Tax Act. So for 12 lac income we can consider PF will be 40 to 50k year. It means we can only save 1 lac on 80C in ELSS. I think you missed this one. Great video.
it depends, In many companies, you have option to chose the amount of PF. So lets say you chose to pay only 1400 / month as PF than it will be around 16-17k year in PF .
@@shivanshsrivastava6280 It can't be less than 1800 /-. In my company it's like this. Even though Basis is more..
@@shivanshsrivastava6280 you cannot reduce the amount i guess. You can only increase the contribution. As per govt rules, 24% of your basic should go to PF (12+12).
No 10% from each is mandatory.
and in central govt it's 10 + 14%
you can only increase it.
I think
12% from employee and 3.41% minimum is mandatory from employeer
Video dekhne ke baad payslip dekha maine apna.. Jitna sab apne bataya yeh log already de hi rahe hai.. itna breakout sirf shortcut mein padha hai aaj saara matlab samhaj agaya.. Corporates bahut smart hai apni tax saving mein humme bhi khush kardete hai breakdowns ke naam par..Kudos for your work 🤘🏻
SUBSCRIBED ♥️
One of the best TH-cam channels. Thanks for putting those efforts out there sharing the knowledge and saving some of our hard earned bucks :)
Boss... Maza aa gaya... Last line apki bdiya lgi ki sikhne ka interest h... Thanks for such a beautiful knowledge with easy examples.... U r best
Agricultural income is exempt from income tax, but there is a concept called "the partial integration of agricultural income with non-agricultural income" if certain criterion satisfied. Here, your example attract this calculation.
Agricultural income upto 5000 exempt hai
@@the_hemant376 Yes..
Thank you so much for your explanation! You made it easy to understand this topic 👍
Very good video, concise but informative. Thanks a lot !
THANKS , YOUR VOICE GOT WEIGHT & THAT MIDAAS TOUCH USE YOUR VOICE FOR DUBBING HOLLYWOOD MOVIES IN HINDI YOU HAD GOT LEADER VOICE THNAKS AGAIN
You're the savior for salaried people. Thanks a lot . God bless
I just love this channel… superb video and extremely useful info
Really helpful. Thanks alot sir. Gained ample of knowledge from this channel.
Succinct and lucid illustrations buddy, good luck with everything ❤️ way to go!
Thank you :)
U guys nailed it, I love your content keep growing and inform us ❤️✌️
Thanks a lot team LLA, answered many queries which generally HR simply say it's for employee benefit and does not disclose actually how. Thanks again 🙏
I also see lot of comments where people getting confused, for them ~ this is just a quick video and LLA cannot discuss entire Income Tax subject in minutes of time. Please refer to links shared and then make your calculations. If some of you are really tallented then please guide others don't just add me o further confusion. Thanks all
I wish this video was available when I started my job. This is pure gold!❤️
Where u work & with whom??
@@signerai03 I work with a digital marketing startup company.
This is the most basic things to know abt taxation.. Nothing great explained here... If u did not know this.. Doesn't make it oire gold.. Makes u an fool who is ignorant of necessary things to know
@@karanrathod640 Just an FYI, I already know most of the concepts explained here. But majority of the people who start their jobs don't know. I hope you read my comment from the beginning (although I doubt that). Also you calling people "fool" in the comments doesn't make you the wise one :)
I on implying that people who donot equip themselves with basics of money management & tax planning are fools is an exclusive point to me claiming to be wise.
But ur comment - which FYI i read 2wice as i cudnt believe myself seeing some1 openely admitting to being ignorant to basic money management skills - is to point out the fact that self home-work is paramount while beginning to. Earn! So stop treating this as GOLD when this shud have been basic
You teach so well, man. Better than any professor I had in school or college.
Because we don't focus on school book.
And for your information school books teach only terminology they don't teach current policy.
It is not taught in schools, it is taught in professional courses like ca intermediate level paper 4
Excellent sir, you have a good voice quality and knowledge too.
Awesome video. Thanks for sharing many other exemptions or deductions I was not aware of.
What a progress by mandip.. from fitness trainer to business partner 😂
❤️❤️💪
@@LabourLawAdvisor Do we consider PF CONTRIBUTION OF EMPLOYER in gross total income during tax computation?
For eg,
Gross salary = 508867
Interest on employee PF = 628
Interest on employer PF= 287
Employer contribution to PF = 9977
So for the above case, do we calculate total gross income as the sum of all the the above?
Means,
GROSS TOTAL INCOME =
508867 + 9977 + 628 + 287 = 519759
Is this the gross total income from which we have to deduct the deductions ?
Zinke pass samjhdari aur samjhane ke tarika hota hain vo kuch v achieve kar sakte hain...
One of the best video I have seen on Tax Saving... Very well utilized 19 mins...Keep up the same work bro!!
Kya khoob tarikese samzhaya hai. Thank you for all your work.
12 Lakhs to 15 lakhs income is not heavy in india as per current market situation but government is imposing too high income tax on employee.
You do your hard work and government will come to sneach from you
30 percent tax this is huge
M apka tax save kra dunga, We are providing free tax saving consultancy in which we help you to save your tax. If you need help regarding tax saving and filing your ITR you can contact us. contact number is shown in description and DP.
Thankyou so much for this video. Many talk about this topic. But this is a complete guide as it says🔥
I wish we had you when we started our career back in 2011
Yep true.. 🤦🏻♂️🤦🏻♂️
He was not know about tax back in 2011
Same feeling
Very very informative video. Thank you team for making such videos 👍🏻
No words! explained well! ⚡⚡⚡🫡🫡🫡 keep growing sir... 🥰
You people r enjoying your all quality information and love your teaching. You r doing remarkable job for the welfare of community. Thank you very much Sir, Regards,
Loved this video so much Sir
The editing is next level please bring more videos like this😍🔥🔥.
Thank you :)
Excellent information in simple and short video..Thanks 🙏
Nailed it, crisp and clear
Mai to student who bar aapane bahut acche se samjhe hai kuchh samajh mein nahin a raha tha per mere ko bahut beneficial Laga
This video is extremely informative and helps us plan and understand the major components that are included in tax savings and planning. Thank you! ☺️
Kahan extremely informative hai...sirf attentation grabing headlines daal k 15 mint waste kr di...12 lakh pe tax dena hi pdega
@@sonitlohan sahi bola bhai.
Itna perfect aur accurate deduction lena bahut mushkil hai.
1200000 ki salary pe poora 200000 home loan interest claim kar liya, ab zabardasti loan le kya ye claim karne,
Could provide with better advice. How are you considering him informative? He's just fooling around. It's hard to believe how did he get so many likes. Does he pay for it and also for positive comment like yours?
@@sandeep6750 what if i live in my home and not rented house. can i claim HRA in this case?
This is not informative. This is something what an 18 yr old who has just started studying income tax will tell you too.
In HRA component metro cities are Mumbai, Delhi , Chennai & Kolkata rest all are considered Non Metro , People usually get confused sometimes considering big cities like Bangalore & Hyderabad etc as metro cities :)
Nope. Metros are classified as per census 2011. There are many more metros.
@@MINATOYELLOWFLSH2005 For your Information Mr Anoop the metro cities which are seen under HRA are according to Income tax act, for more information on the same please refer to the stated article { House Rent Allowance (Sec. 10(13A) & Rule 2A)} of the income tax act, Thanks for your comment :)
@@abhishekchauhan7863 ok. Thanks.
also wfh helps 😅
CAN WE CLAIM 3 lac HRA IN NON METRO? IF YES, LANDLORD HAS NO PANCARD THEN HOW WE CLAIM?
High Quality Content thanks man!
Awesome 👏 superb n simply explained… hatsoff
Rest of the content was awesome except for what you said at 13:10
When you calculated returns between PPF and Equity MF earlier in the video, you took into consideration the fact that out of Rs.1.5 lakh yearly investment in Equity MF, 30% would be taken out as tax (if you fall under 30% slab) hence reducing actual investment amount in the fund.
But in case of ELSS, you do get that 80C deduction benefit which PPF has and therefore the investment amount remains same.
Now, keeping this in mind if you compare the returns between PPF and ELSS/Equity MF over 15 years, even after 10% LTCG tax, Equity MF gives you around Rs. 19.5 lakhs more return (considering 8% and 13% rates of return for PPF and Equity MF respectively).
PS: If Equity/ELSS MF gives 10% returns (which I think is easily achievable), then too after LTCG tax deduction the MF returns would be higher than PPF
Nevertheless, I believe making these videos is not easy and I thank you for sharing this knowledge with the general public. You guys are doing an awesome job. Massive like on my part.
Like he mentioned. If u are a risk taker you can go with the ELSS. No doubt Elss gives good return like u said but there’s a risk included in this.
Lol. Even I got pissed he said ppf is bette tthan mf 🤣
That comparison was originally referenced at the start around 3:00 where Rishabh was comparing PPF investment under old tax regime Vs investing the same amount in ELSS under new Tax regime.....hence the statement "8% PPF returns > 13% ELSS returns"
If u compare both the returns under same regime then obviously ELSS returns would be higher (with compounding)
👍👍
You are also wrong in one of your points . Tax on equity mf is 15% irrespective of slab for short term and long term 10% that too only if gain > 1 lakh
If you take a CAGR of Equity MF for 10 yrs Tenure, you will realise earning 8% is also a big challenge. So it’s not easy if you consider it for a long term scenario !
Watching this video for the 5th time, and still getting to learn something new.
@@ryanimpossible4985 You are jerk?
Very very helpful sir,
बहुत ही साधारण language मे समजाया🙏
Excellent Best Tax saving narration. Thanks for your effort.
Nicely explained thank u sir..As a sci student even i have understood it very well 😊👍
fooling people by showing "0" tax in the thumbnail of this video
At 17:19 they give am example where it's possible. Sure, it's not a very likely situation but it's not an attempt to fool. Clickbait? Maybe.
At least u should acknowledge this channel efforts in educating people.
Don’t jump to conclusions
@@diggajsharma8649 education should be provided with the right information.
This is how coaching center's advertise.
I am not against the content.
That's absolutely useful .
But the "0" tax paid advertisement is false marketing just to attract views.
@@mridul6574 I agree to that.
If he pays 300000 as rent and need to pay EMI for home loan think about his condition 😅 ..
And rent he gets is also taxable right ?
We can save tax a little govt is not that flexible.
Can't make it 0 just like that .
Thank you so much sir....itne asani se koi dusri video samjh nahi aayi .. 🙃
Thanks to Rishabh bhaiya and Mandeep bhaiya. Aap ke videos bahut useful hain . aap ke videos dekh ke ye dil se feel hota hain ki Technology is boon for us ,particullary for me its. Honestly I avoid to comment on anything but aapke,Pranjal bhaiya ke ,Dhruv bhai ,Neeraj bhaiya ....ke video dekh ke aap logo se grateful feel react kiya bina reh nhi paata. from the bottom of My heart THANK YOU VERY MUCH TO YOU ALL for immence contribution towards my knowledge which make to my life as easy as possible and give feel of boon of born in Technology Time. once again THANK YOU VERY VERY MUCH.
Very good content. Keep educating us👍
Thank you LLA!
Could you please make a detailed video on how one can claim HRA exemption like rent agreement format, e-stamping, notary, generating rent receipts, etc. Especially for an employee working from home and going to claim HRA for the first time. New legal online method to do this will be really helpful for most of us.
It's doesn't matter, whether u r using office or home for HRA claim. If u r residing in a rented house, then u just put rent receipts stamped with 1/- treasure ticket n cross signed, submit to ur employer. It also doesn't matter, how much u are paying for rent annually, there is a formula under which calculatuins done, finally u get exemptions upto a certain limit, even u are paying rent higher than this amount.
@@hemantpandey2366 How come he is deducting HRA of 3 lakhs then?
@@gauravkumar-uq5uw hra k liye owner ka pan card dena padta hai na?
@@sandeep6750 if rent is greater than 8333 /m or more than 1 lakh /anumn
@@hemantpandey2366 what if i'm living with my parents and not paying any rent? How will my employer deduct HRA?
thank you this was really helpful for my net taxable income calculation
Good video. One question - @Labour Law Advisor You didn't consider DA (Dearness Allowance) which will also be used in calculating HRA. All the formula where Basic pay is used , it will become (Basic + Dearness Allowance)
Turnover commission is considered along with basic and DA (in terms), but he didn't considered that.
In 80D, you can also claim the Medical checkup bill of 25000. If your employer is not allowing, then you can file your return the same
No need any proof??
@@bhuvieswari4505 u have to keep proof with urself. If asked by department, u need to givd
Great explanation. Can you also make video on ESPP, RSU, ESOP gains and how are they taxed in india if they are listed outside Indian stock exchange.
you are genuine person....Good explaination brother
Thanks for the video. Really good one. Knowledge enhancer..
I have a question: can we claim/show the medical premium (while filling ITR) deducted by the employer? which employer have shown under CTC.
The one who deducted it can claim it, if employer is deductor, employer can claim! If employee is deductor, employee can claim!
Good video Rishabh (not Mandeep) but what we simply ignore to tell in these cases is at the end, while Tax Paid is Zero, the actual In-Hand salary for their personal expenses comes to only ₹38,333. Paying 2 Lakh Interest an year will usually mean a very high loan and which will not be recommended for someone at 12lpa salary. Lastly the HRA being paid is 3Lakh. So basically almost 50% of salary is on Rent and Home Loan.
Not really a good position that this person is in, as per my view. 🙏
Well said! that's why I told that loan should not be taken just to save taxes. Also you will come across many such cases where both husband and wife are working, there one person can pay rent and interst to.save taxes to maximum limit.
PS : My name is Rishabh, Mandeep is other one :)
@@LabourLawAdvisor Yups agree with that and corrected your name as well.
What mesemerises me is that very simple fundas are not known to our people and which is why people focus towards earning more and not on saving or better still saving at the right places.
Keep up the great work!👍
@@EveryPaisaMatters I ALSO AGREE with you.....the structure shown in the video is really aggressive and leaves a very little amount towards saving and investment purposes.....
I think if we live with our parents then we can make rent agreement on thier name, so now indirectly amount you pay for household activity is getting benefited as HRA(only if u live with parents in house) . Correct me if i m wrong
@@adityasrivastava6235 This is correct.
Very informative video 👍
Ultimate Sir. Outstanding.
Good eye opener session. Hats off.
Jabardast video 🔥
Very Informative... Thanks, Team LLA !!
You explained well 👏 👌 thank you
finally found you and just got a job too will use this video info to max btw nice content and thnx for the info ✨🎀
dope content 👍
Thank u so much for this video....it is very very helpful. I am going to plan my entire year 🥺🥺🥺🥺🥺
One job milega.
Sir thank you very much. Well explained
Thank you... session is worth watching
🔥🔥🔥 what a content... massive respect sirji for the efforts
bhai chori sikha raha hai wo
80EE deduction allowed only when the loan is sanctioned between 1/4/16 to 31/3/17 (Max deduction 50,000).
Section 80EEA helps first-time homebuyers to save an additional Rs 1.50 lakhs per year against the home loan interest payments or the purchase of housing units worth up to Rs 45 lakhs only when the loan is sanctioned between 1/4/19 to 31/3/21 (Max deduction 1.5 lakhs)
Both the deduction are over and above the Rs 2 lakh deduction limit allowed under Section 24 (b) which means your interest should more than 2 Lakhs in order to claim interest as deduction under these sections.
Excellent video sir Ji.
Thanks.
Very helpful. Thank you
Hi, in the last example for 12 LPA package, I see you have exempted HRA first and also home loan interest. I think its not that simple. If you are paying home loan, then you might be staying or renting it out. 1.If you are staying, you can't claim HRA 2. If you renting it out, then you have to declare the rent received as income.
PS: Chances of buying a home and not renting it out and staying somewhere else by paying rent are odd.
There are cases where this stands valid. When you have a home loan in city A. But working and have rented house in City B. You can have exemption on both at the same time. BTW, it is no mandate to rent your own house if not self occupied.
@@vibhutidevadhara6856 I think even if your house is not let out still it will be deemed to be let out and you will have to show deemed rent income
A case could be when you pay home loan from the start but for the first few years ypu have not yet recived the posession of house
@@vibhutidevadhara6856 there can be a case where in the new home parents are staying and I'm working somewhere so I have to be in rented house.. in other city.. or maybe in same city in different area or near to office.
I am living in own house(with home loan) and I show both home loan and HRA for tax saving.it is possible..
I think no company will allow you to claim HRA and as well as 80EE interest on home loan.
If your salary is 12L, HRA will be max 1.2L not 3L.
Children education tution fee will be considered under 80C only .There is no separate exemption for that.
Right..Just for views . they are misguiding people.
truee we can't claim that much HRA
Your home loan is for a flat in Kochi and you are living and working in Bangalore. Such scenario u can claimHRA and loan interest
A lot of thanks for sharing very important information.. Sir
Thank You So Much Sir , Tax Savings Aware Karne keliye 🙏🏻✌🏻📈
Well structured and complete help from LLA ...Hope you keep doing this every year based on changing govt norms
6:23 HRA me only basic salary ka 40/50% ni lete...
Salary= Basic + DA(in terms) + T/O Commision
And one can either claim HRA or Home Loan interest and not both
@@manasikhanolkar8685 i think we can claim both.
@@manasikhanolkar8685 only one a acccording to me
@@manasikhanolkar8685 You can claim both if your loaned apartment is more than 30kms away from your workplace.
Both can be taken if u are living in city and home loan taken for construction of House
Nice explanation. Helped a lot.
Nice. Thank you. Thoda sa went over my head..but some stuck to it. Shall re watch and re evaluate. :)
Please make video also on Tax Savings for Self Employed and Businessman
If you have an agricultural income along with any other income you have to aggregate such income is chargeable to tax.
Refer section 10(1) of income tax act
Sahi bolu iss sir ko tax ki complete knowledge nahi bus ese hi muh utha ke har baar video bna dete hai. Mostly ye logo ko Misguide karte hai
बहुत अच्छी जानकारी सर जी, आप वास्तव में एक अच्छे सलाहकार हैं THANKS
Thank you. Great video
The best detailed video 🙏
I have recently changed my job. As part of my CTC there is a component of Leave Accruals, which gets deducted from my monthly salary and is a substantial component. Can this be claimed as deductions from CTC for tax saving benefits?
Thanks Sir for all the knowledge sharing. Specially middle class people lack clarity on what is Investing. And you have brought lot of clarity in peoples mindset.
My question is,
1. Is there any way for tax harvesting for only SIP investors because the ones you explained works for sumsum in my opinion?
2. Suppose i invest in Quant Active mutual fund, Do they keep changing companies present in this fund and invest in them based on assessing the current market situation every other day Or They stick with them forever Or They change after longterm(>5 years)
Thank you again!
Great content!
Big hole in the calculation
1. Cant claim HRA and interest on HL. Exception only if the houses are in a different city
2. To claim HRA of 3 lakhs, we need to pay a rent of atleast 30 k. With a CTC of 12 lakhs, your take hom eis around 80k. Paying 30k from this in rent is a bad financial decision
But good point that you covered salary restructuon whcih not a lot of people talk about
Paying 30K as rent out of in hand salary of say, around 90K is very common in Mumbai. 30K is minimum in Mumbai for dwelling in a decent society... Salaried class in India are a dead class..
Good video just two technical correction 1) HRA section is 10(13A) not 10-13A. 2) Deductions are given in Chapter VI-A not chapter VI.(Chapter VI deals with set off and carry forward of losses)
tu gltiya dhoond baith ke bs
income tax ki book ki link do na plz 🙏
Thanks I learnt a lot
thanks for informing me about saving taxes
Nice education video. however, could you please let us know how and where to claim these exemptions? Is it during the tax filling?
@labourlawadvisor thank for such informative content. please let us know at 3.05 why did you take rate of interest as 13% instead of 8%
Hi,
You talked about 10000 and 50000 deductions in FD interest apart from the 80C deductions, is there actually an option available over and above claiming the 5 year tax saver FD for example?
OR what is better, claiming a 10000 deduction on normal FD or booking a tax saver FD for 5 years and claiming it in 80C?
Best explained Sir... 👍
I was never into economics.......until see this....... You made it so understandable...... Just one word.....OP
Bro still u r not into economics. This is taxation and not economics.
bro .. there is nothing new in this video.. these all claims and deductions company will do for you through there portal if you regularly claim in that.. also logic is you have to spend to get get tax benefit.. in some cases its just better to pay little tax .. and have more income in hand .. like hra LTA
During the lockdown, I made a rent agreement between me and my mom and took full benefit of HRA.
Paying rent to our parents is completely Legal ( Provided that your parents are showing that rental income in their ITR)
Is parent have to file itr if rent amount shown is annually 96000.?
@@MayurK-ko9st If you want to claim 96000₹ via employer then you don't need to provide PAN number to your employer.
In that case you can mention any dummy name as Landlord's name
On the other hand if you still want to pay rent to your mother then you don't need to provide your mother's PAN number to your employer ( iff rent < 1 lacs) and then you may or may not show that income in ITR of your mom
@Pritesh can we do this agreement in online? And from where you got the rent receipt?
@@tamalkantide402 As long as your employer accepts that, you can do it from anywhere. Rent receipts templates can be found anywhere.. just google it
@@charlieoocharlie9466 India's IT dept says payment of rent to parents is absolutely legal (has always been since independence). Google it. Your office HR might have also advised you during HR meetings.
Thanks superb advice on tax saving.
Must watch Video for every individual.
Sir make, " Complete Tax saving for Rental income only " Say 15 - 20 lakhs/yr..
Very nice Video LLA team Thanks for helping lot of employees.
ELSS interest is taxable if the gain exceeds above 1 Lakh and it can be saved if one rotates elss units smartly. I still do not see how 7% of ppf is better then ELSS investment, could you please explain this bit in detail?
I compared with other equity investment without tax saving
4:36 was the besttttt part. Bought smile to my face. lol