Wese munhu anogara achitsvaga nzira dzekuchengetedza imwe mari yemutero wavo.
Ivo vanofarira kubata chero mukana unouya nenzira inovabatsira kuchengetedza mutero wemari muIndia.
Zvisinei, vanhu vakasiyana vane nzira dzakasiyana dzavanoda kuita kudaro. Kunyangwe iwe uri mushandi anobhadharwa kana uine bhizinesi, kune nzira dzakawanda dzekuchengetedza mutero weIndia.
Kutsvaga kudzoserwa kwemutero kune nzira dzakawanda pasi pezvikamu zvakasiyana, uye zvinokubatsira kuderedza mari yako yemutero.
Kana iwe uriwo mumwe wevanhu vari kuyedza kutsvaga nzira dzekuchengetedza mutero wemari muIndia, pazasi pane gumi nembiri nzira dzekuzviita -
1. Kubviswa Mutero Pasi peChikamu 80C
Nzira dzinoverengeka dzekudyara dzinobatsira munhu kuchengetedza mutero. Under chikamu 80C, nzira dzakakosha dzaunogona kuchengetedza mutero kuburikidza ne:
- Kuisa mari muEquity Yakabatana Saving Schemes (ELSS) uye kuchengetedza kusvika kuRs. 46,800 mumitero.
- Isai mari mukuchengetedza mutero Fixed Deposits ine yekuvhara-mukati yemakore mashanu.
- Investments muPublic Provident Fund ine yekuvhara-mukati yemakore gumi nemashanu (zvishoma), inowedzerwa nemakore mashanu kana zvichidikanwa.
- Kuisa mari muVashandi Provident Fund haina mutero kana ikabviswa mushure memakore mashanu ekuenderera mberi sevhisi.
- Investments mu National Pension System inobvumira mudyandigere mushure mekurega basa kune isingazivikanwe chikamu uye vanoshanda nyanzvi dzeIndia.
2. Kubviswa Mutero Pasi peChikamu 80D
Chikamu 80D chinobvumira kubviswa kwemutero kune mushandi anobhadharwa zvichienderana nemari yekurapa / inishuwarenzi.
Chikumbiro cheRs. 25,000 kuregererwa painishuwarenzi kune iwe pachako, mukadzi, uye (anotsamira) vana.
Kuwedzera kubviswa mutero kunowanikwa kuvabereki kusvika kuRs. 25,000 chero vabereki vari pasi pemakore makumi matanhatu. Kana vabereki vava nemakore anopfuura 60, mari inobviswa inosvika kuRs. 60
Iyo yakanyanya kubviswa iRs. 1 lakh kana vese muteresi nevabereki vavo vanopfuura makore makumi matanhatu.
3. Kuderedzwa kweMutero Pasi peChikamu 80DD
Chikamu 80DD chinoturikira Kubviswa Kwekuremara kuhama yemunhu akaremara. Chero mari inoitwa nemunhu pakurapa, kudzidziswa, uye kudzorera hunhu hwehama yakaremara inotarisirwa kupihwa muchikamu chino.
Fixed kubviswa kweRs. 75,000 kana hurema huri pakati pe40% kusvika 80%. Mukuremara kwakanyanya (kupfuura 80%), kubviswa kwakatemwa iRs. 1,25,000.
4. Imba Inobvumirwa Rent
HRA chikamu chemuhoro chimiro chevashandi vazhinji. Inoregererwa pasi chikamu 10 (13A) yeIncome Tax Act 1961.
Zvisinei, mari inotambirwa seHRA imari inotererwa zvizere kana mushandi achigara mumba make uye asingabhadhare rendi. Kuregererwa mutero pasi pemvumo yerendi yemba ndiyo shoma, sezvinotevera:
- Kugamuchira HRA gore negore.
- Yakawandisa yerendi inobhadharwa gore negore pamusoro pegumi muzana yemuhoro wepagore wekutanga.
- 50% yemuhoro wevanhu vanogara mumaguta makuru, uye 40% kune avo vanogara mumaguta asiri metro.
Pane mamwe akasarudzika mamiriro kana munhu achida kutora mutero kubatsirwa kuburikidza neHRA senge:
- Kubhadhara rendi kunhengo dzemhuri/hama.
- Kuva neimba, asi kugara parendi mune rimwe guta.
5. Mabhenefiti emutero kuburikidza neHome Loan
Hurumende yeIndia inoramba ichikurudzira vagari vayo kuti vadyare imba uye vave neyayo. A chikwereti chemba anokodzera kubvisirwa mutero.
Heano anotevera akakosha ekubviswa pakati peakati wandei paunoronga kutenga kana kuvaka imba pachikwereti cheimba:
- Unogona kutora kusvika kuRs. 2 lakh kubva pamari yaunowana semutero wekubvisa mubereko wekubhadhara chikwereti cheimba yako EMI. Munhu anogona kungotora iyi mhindu kana kuvakwa kweimba yako kwapera.
- Kana usati watamira kunzvimbo yako asi uchiri kubhadhara EMIs, unogona kutora mutero wemutero usati wavaka. Iyo yakanyanya kukodzera inoramba yakavharwa paRs. 2 lakh pagore.
- Mari yacho inobviswa kubva kuprincipal pay yehome loan, futi. Mumwe anogona kutora maRs. 1.5 lakh pasi pechikamu ichi pa max.
- Mubereko mukuru weRs. 2 lakh inogona kutorwa pasi pechikwereti chemba chakabatana nebato rega rega. Pakubhadhara kukuru, mari inosvika maRs. 1.5 lakh inogona kutorwa mumitero yavo yega.
6. Siya Mvumo Yekufamba
LTA kuregererwa kunopihwa kumakirasi anobhadharwa mukati memakore ebasa ravo uye kunyangwe mushure mekusiya basa kana kumisa masevhisi.
Imvumo iyo mushandi anogashira kubva kumushandirwi wake kana achifamba pazororo. Kuregererwa kweLTA kunongowanikwa kune nzendo mbiri dzakaitwa mublock yemakore mana ekarenda.
Mari inobhadharwa imari yekufambisa chete, kureva, mari yekufambisa.
Pane mashoma mamiriro ekutora LTA:
- Rwendo chairwo runofanira kuitika kuti uwane ruregerero.
- Kufamba kwemumba chete (kureva, mukati meIndia) kunovharirwa pasi pemutemo uyu.
Mushandi anogona kuwana rubatsiro kune ivo kana ivo nemhuri yavo.
Mhuri inosanganisira mudzimai wemushandi, vana, uye vabereki vanovimba nevanin'ina. Havasviki vana vaviri vanozvarwa mushure me1 Gumiguru 1998 vanobvumidzwa kuregererwa.
7. Mabhenefiti emutero kuburikidza neMari uye Kudzosera
Kana iwe uri muridzi, nzira iri nyore yekuwana mabhenefiti emutero ndeyekuratidza mari yerimwe gore rezvemari.
Mumwe anogona kuratidza akati wandei mari dzakadaro. Izvi zvinosanganisira mari yechikoro chevana, kubhadhara kwevakuru vebudiriro, kutenga zvinhu, kudzikira, nezvimwe.
Kune mushandi anobhadharwa, vanogona kuwana rubatsiro rwakafanana kuburikidza nekudzorera.
Ndiyo muripo uyo sangano rinobhadhara kuvashandi nokuda kwemari yavo. Kubhadharwa ndeemhando dzakati wandei: mutengo wepeturu, muhoro wevatyairi, mari inowanikwa panguva yerwendo rwepamutemo, nezvimwe.
8. Gratuity
Mushandirwi anopa gratuity sechipo chisina kubatanidzwa muhoro yemushandi.
Anenge makore mashanu ebasa anodiwa kuti ugamuchire gratuity pamudyandigere, kusiya basa, rufu, kana kuremara.
Zvishoma pane zvinotevera zvinoshanda sekuregererwa kubva pamutero wemari:
- Muhoro wekupedzisira wakapetwa nenhamba yemakore ebasa yakapetwa ne15/26.
- 20 lakhs muGratuity.
9. Mabhenefiti emutero paScholarship yeDzidzo uye Chikwereti cheDzidzo
Kuti uderedze mari inobhadharwa, munhu anogona kushandisa nhamba ye mabhenefiti emutero anopihwa padzidzo.
THurumende yakapa rubatsiro rwemutero pamari yedzidzo yevana, mari yechikoro, nemari yechikoro kusimudzira mwero wekudzidza nekunyora weIndia.
- Dzidzo yevana inoregererwa paRs. 100 pamwedzi kusvika pavana vaviri. Pamusoro pezvo, Kuregererwa kwavo kwekushandisa muhostele kuri paRs. 300 pamwedzi kusvika pavana vaviri.
- Mumwe anogona zvakare kukumbira Chikoro uye mari yechikoro yechero institution yedzidzo inosvika maRs. 1.5 lakh.
10. Kuregererwa Mutero kuburikidza neMupiro kana Rubatsiro
pasi chikamu 80G, munhu anogona kuwana rubatsiro rwemutero nekuita rimwe basa rakanaka uye kupa kune chinangwa.
Chero sangano remuIndia rinoziviswa nedhipatimendi remutero nezvekubviswa kwemitero rinouya pasi pechiito ichi. Iwe unogona kutora kusvika ku100% mipiro kana iwe ukapa kune chaiwo mazita uye masangano.
Kana iwe ukapa nemari, unogona kutora mari inosvika maRs. 2,000. Nekudaro, kana iwe ukapa kuburikidza nemacheki, kuchinjisa kubhangi, kana nzira dzedhijitari, hapana muganho wepamusoro wepamusoro pakudzoserwa.
11. Chengetedza Mari Muakaundi Yako Yekuchengeta
Nzira iri nyore yekuchengetedza mutero ndeyekuchengeta imwe mari muakaundi yako yekuchengetedza.
Mubereko haubhadharisi Mutero Kusvika kuRs. 10,000 muakaundi yako yekuchengetedza, maererano neChikamu 80TTA. Kune vanhu vakuru, muganho uyu iRs. 50,000.
12. Hupenyu Inishuwarenzi Zvirongwa
Kusarudza yeinishuwarenzi yehupenyu inodiwa, zvisinei nekuti inouya nekuregererwa mutero.
Mumwe anogona kuwana mabhenefiti emutero anosvika kuRs. 1.5 lakh pamubhadharo gore rega rega. Kutenga kana kuvandudza inishuwarenzi yehupenyu inokodzera kuwana mutero unosvika kuRs. 1.5 lakh zvakare.
Kune dzimwe nzira dzakawanda dzekuchengetedza mutero muIndia.
Zvisinei, pfungwa, sezvataurwa pamusoro apa, ndiyo iri nyore uye inonzwika.
Iwe unogona zvakare kusarudza mashoma sarudzo pane imwe chete uye kugadzira portfolio yedzimwe nzira dzekuregererwa mutero.
Ita shuwa kuti chero sarudzo yaunosarudza inoenderana zvizere nezvinangwa zvako zvenguva refu, zvinangwa zvemari, uye zvishuwo zvekushandisa.
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