Aliyense nthawi zonse amafunafuna njira zopulumutsira pang'ono za msonkho wawo.
Amakonda kutenga mwayi uliwonse womwe umabwera momwe umawathandiza kusunga msonkho ku India.
Komabe, anthu osiyanasiyana ali ndi njira zosiyanasiyana zochitira zimenezi. Kaya ndinu wogwira ntchito yolipidwa kapena muli ndi bizinesi, pali njira zambiri zosungira msonkho waku India.
Kufuna kuchotsera msonkho kumakhala ndi zosankha zingapo pansi pa magawo osiyanasiyana, ndipo kumakuthandizani kuchepetsa ndalama zomwe mumapeza.
Ngati inunso ndinu m'modzi mwa anthu omwe akuyesera kupeza njira zosungira msonkho ku India, pansipa pali njira 12 zochitira -
1. Kuchotsera Misonkho Pansi pa Gawo 80C
Njira zingapo zoyendetsera ndalama zimathandiza munthu kusunga misonkho. Pansi gawo 80C, njira zazikulu zomwe mungasungire msonkho ndi izi:
- Investing in Equity Linked Saving Schemes (ELSS) ndikusunga mpaka Rs. 46,800 pamisonkho.
- Ikani Ndalama Zosungirako Misonkho Zokhazikika ndi nthawi yotsekera zaka 5.
- Investments in Public Provident Fund yokhala ndi nthawi yotsekera zaka 15 (zocheperako), zokulitsidwa ndi zaka zisanu ngati zingafunike.
- Investing in Employee Provident Fund ndi yopanda msonkho ngati ichotsedwa patatha zaka zisanu akugwira ntchito mosalekeza.
- Investments mu National Pension System amalola penshoni atapuma pantchito ku gawo losadziwika komanso akatswiri ogwira ntchito ku India.
2. Kuchotsera Misonkho Pansi pa Gawo 80D
Gawo 80D limalola kuchotsera msonkho kwa wogwira ntchito yemwe amalipidwa kutengera ndalama zachipatala/inshuwaransi.
Pempho la Rs. 25,000 ndikukhululukidwa ku inshuwaransi yaumwini, mwamuna kapena mkazi, ndi (odalira) ana.
Kuchotsera misonkho kowonjezereka kulipo kwa makolo mpaka ma Rs. 25,000 ngati makolowo ali ndi zaka zosakwana 60. Ngati makolo ali ndi zaka zopitirira 60, ndalama zochotserazo zimafika ku Rs. 50,000
Zomwe zimachotsedwa kwambiri ndi Rs. 1 lakh ngati onse okhometsa msonkho ndi makolo awo ali ndi zaka zopitilira 60.
3. Kuchotsera Misonkho Pansi pa Gawo 80DD
Gawo 80DD limatanthawuza Kuchotsera Kwaolemala kwa wachibale wamunthu wolumala. Ndalama zilizonse zomwe munthu angawononge popereka chithandizo, kuphunzitsa, ndi kukonzanso wachibale wolumala yemwe amadalira zafotokozedwa mu gawoli.
Kuchotsedwa kosasunthika kwa Rs. 75,000 ngati kulumala kuli pakati pa 40% mpaka 80%. Mu kulumala kwakukulu (kuposa 80%), kuchotsera kokhazikika ndi Rs. 1,25,000.
4. Ndalama Zobwereketsa Nyumba
HRA ndi gawo la malipiro a antchito ambiri. Imachotsedwa pansi Gawo 10 (13A) ya Income Tax Act 1961.
Komabe, ndalama zomwe amalandira monga HRA ndi ndalama zokhoma msonkho ngati wogwira ntchitoyo akukhala m'nyumba yake ndipo salipira lendi. Kukhululukidwa kwa msonkho pansi pa chilolezo cha renti ya nyumba ndizochepera, motere:
- Kulandira HRA pachaka.
- Kuchuluka kwa renti komwe kumalipidwa pachaka kupitilira 10% yamalipiro apachaka.
- 50% ya malipiro a anthu okhala m'mizinda ikuluikulu, ndi 40% ya omwe akukhala m'mizinda yopanda metro.
Pali zochitika zapadera zomwe munthu akafuna kuitanitsa msonkho kudzera mu HRA monga:
- Kulipira lendi kwa achibale/achibale.
- Kukhala ndi nyumba, koma kukhala pa lendi mumzinda wina.
5. Mapindu a Misonkho Kudzera mu Ngongole Yanyumba
Boma la India limapitiliza kulimbikitsa nzika zake kuti azigulitsa nyumba ndikukhala nazo. A ngongole yanyumba ndi oyenera kuchotsedwa msonkho.
Nawa ndalama zochotsera zotsatirazi pakati pa zingapo mukafuna kugula kapena kumanga nyumba pa ngongole yanyumba:
- Mutha kudzitengera mpaka ma Rs. 2 lakh kuchokera ku ndalama zomwe mumapeza ngati kuchotsera msonkho wa EMI ya chiwongola dzanja cha ngongole yanu yanyumba. Munthu atha kungotenga chiwongola dzanjachi pokhapokha ntchito yomanga nyumba yanu ikatha.
- Ngati simunasamuke ku malo anu koma mukulipirabe ma EMIs, mutha kuyitanitsa phindu la msonkho wa chiwongola dzanja chisanamangidwe. Kuyenerera kwakukulu kumakhalabe pa Rs. 2 lakh pa chaka.
- Ndalamayi imachotsedwa pamalipiro a ngongole yanyumba, nawonso. Munthu angatenge ma Rs. 1.5 lakh pansi pa gawo ili pa max.
- Chiwongola dzanja chachikulu cha Rs. 2 lakh ikhoza kutengedwa pansi pa ngongole yanyumba ndi gulu lililonse. Pakulipira kwakukulu, ndalama zopitirira ma Rs. 1.5 lakh akhoza kufunsidwa pamakalata awo amisonkho.
6. Siyani Ndalama Zoyenda
LTA ndikukhululukidwa koperekedwa kwa makalasi olipidwa pazaka zantchito yawo komanso ngakhale atapuma kapena kutha ntchito.
Ndi ndalama zomwe wogwira ntchito amalandira kuchokera kwa owalemba ntchito akamayenda patchuthi. Kukhululukidwa kwa LTA kumangopezeka pamaulendo awiri omwe amachitika mu block ya zaka zinayi za kalendala.
Ndalama zolipiridwa ndi ndalama zoyendera basi, mwachitsanzo, mtengo wapaulendo.
Pali zinthu zingapo zomwe mungatenge LTA:
- Ulendo weniweni uyenera kuchitika kuti upeze chikhululukirocho.
- Maulendo apanyumba okha (ie, mkati mwa India) ndi omwe saloledwa.
Wogwira ntchitoyo atha kupeza phindu kwa iwo eni kapena kwa iwo ndi mabanja awo.
Banja limaphatikizapo mkazi wa wogwira ntchitoyo, ana ake, makolo odalira ndi abale ake. Ana osapitirira awiri obadwa pambuyo pa 1 October 1998 amaloledwa kumasulidwa.
7. Phindu la msonkho kudzera pa Ndalama ndi Kubweza
Ngati ndinu eni eni, njira yosavuta yopezera phindu la msonkho ndikuwonetsa ndalama za chaka chandalama.
Munthu akhoza kusonyeza ndalama zambiri zoterozo. Izi zikuphatikiza ndalama zolipirira ana, zolipirira akuluakulu oyang'anira chitukuko, kugula zinthu, kutsika kwamitengo, ndi zina.
Kwa wogwira ntchito wolipidwa, atha kupeza phindu lomwelo mwa kubweza.
Ndi chipukuta misozi chimene bungwe limapereka kwa ogwira ntchito pa ndalama zawo. Kubwezera ndi zamitundu ingapo: mtengo wa petulo, malipiro a dalaivala, ndalama zomwe amawononga paulendo wovomerezeka, ndi zina.
8. Mfulu
Olemba ntchito amapereka chiwongola dzanja ngati phindu lomwe silinaphatikizidwe mumalipiro a wogwira ntchito.
Zochepera zaka 5 zautumiki ndizofunikira kuti mulandire ufulu pa kupuma pantchito, kusiya ntchito, imfa, kapena kulumala.
Zochepa mwa izi zimagwira ntchito ngati osalandira msonkho:
- Malipiro omaliza anachulukitsidwa ndi zaka za ntchito zochulukitsidwa ndi 15/26.
- 20 lakhs mu Gratuity.
9. Mapindu a Misonkho pa Scholarship for Education and Education Loan
Kuchepetsa ndalama zokhoma msonkho, munthu atha kugwiritsa ntchito nambala ya misonkho yoperekedwa pa maphunziro.
TBoma lapereka ndalama za msonkho pamalipiro a maphunziro a ana, malipiro a maphunziro, ndi malipiro a sukulu kuti alimbikitse anthu a ku India odziwa kulemba ndi kulemba.
- Maphunziro a ana salipidwa pa Rs. 100 pamwezi mpaka ana awiri. Kuphatikiza apo, kukhululukidwa kwa ndalama zawo ku hostel ndi Rs. 300 pamwezi mpaka ana awiri.
- Munthu athanso kuyitanitsa chindapusa cha Sukulu ndi maphunziro kusukulu iliyonse yophunzirira mpaka Rs. 1.5 lakh.
10. Kusalipira Misonkho Kupyolera mu Zopereka kapena Zachifundo
pansi gawo 80G, munthu angapeze phindu la msonkho mwa kuchita ntchito yabwino ndi kupereka kuzinthu zina.
Bungwe lililonse la ku India lodziwitsidwa ndi dipatimenti yamisonkho kuti lichotse msonkho limakhala pansi pa lamuloli. Mutha kufunsa mpaka 100% zopereka ngati mupereka ku mindandanda ndi mabungwe ena.
Ngati mupereka ndalama, mutha kufuna ndalama zokwana Rs. 2,000. Komabe, ngati mupereka macheke, kusamutsidwa ku banki, kapena njira za digito, palibe malire apamwamba pakubweza.
11. Sungani Ndalama mu Akaunti Yanu Yosungira
Njira yosavuta yosungira msonkho ndikusunga ndalama mu akaunti yanu yosungira.
Chiwongola dzanja sichilipira msonkho Kufikira ma Rs. 10,000 mu akaunti yanu yosungira, malinga ndi Gawo Mtengo wa 80TTA. Kwa anthu okalamba, malire awa ndi Rs. 50,000.
12. Mapulani a Inshuwaransi ya Moyo
Kusankha inshuwaransi ya moyo ndikofunikira, mosasamala kanthu kuti ibwera ndi kusapereka msonkho.
Munthu atha kupeza phindu lamisonkho mpaka ma Rs. 1.5 lakh pachaka chilichonse. Kugula kapena kukonzanso inshuwaransi ya moyo ndikoyenera kulandira phindu la msonkho mpaka Rs. 1.5 lakh komanso.
Pali njira zambiri zosungira msonkho ku India.
Komabe, mfundo, monga tafotokozera pamwambapa, ndizosavuta komanso zomveka.
Mukhozanso kusankha njira zingapo m'malo mwa chimodzi chokha ndikupanga mbiri ya njira zina zochotsera msonkho.
Onetsetsani kuti njira iliyonse yomwe mungasankhe ikugwirizana ndi zolinga zanu zanthawi yayitali, zolinga zachuma, ndi zosowa zandalama.
Siyani Mumakonda