Wonke umuntu uhlale efuna izindlela zokonga ingxenye yentela yeholo lakhe.
Bathanda ukubamba noma yiliphi ithuba eliza ngendlela elibasiza ukuthi bonge intela engenayo eNdiya.
Nokho, abantu abahlukene banezindlela ezihlukile ezikhethwayo zokwenza kanjalo. Kungakhathaliseki ukuthi uyisisebenzi esiholayo noma unebhizinisi, ziningi izindlela zokonga intela yeholo laseNdiya.
Ukufuna izaphulelo zentela kunezinketho eziningi ngaphansi kwezigaba ezihlukene, futhi kukusiza ukuthi wehlise iholo lakho elikhokhiswa intela.
Uma futhi ungomunye wabantu abazama ukuthola izindlela zokonga intela yemali engenayo eNdiya, ngezansi kukhona izindlela ezisebenzayo eziyi-12 zokwenza -
1. Ukudonswa Kwentela Ngaphansi Kwesigaba 80C
Izinketho zokutshala izimali eziningana zisiza umuntu ukuthi alondoloze izintela. Ngaphansi isigaba 80C, izindlela ezibalulekile ongonga ngazo intela yilezi:
- Ukutshala imali kuma-Equity Linked Saving Schemes (ELSS) nokonga kufikela ku-Rs. 46,800 ezintela.
- Tshala imali kuma-Fixed Deposits okonga intela ngesikhathi sokukhiya seminyaka emi-5.
- Ukutshalwa kwezimali ku-Public Provident Fund okunesikhathi sokuvaleleka seminyaka eyi-15 (ubuncane), siphinde sinwetshwe ngeminyaka emihlanu uma kudingeka.
- Ukutshala imali ku-Employee Provident Fund akukhokhi intela uma kuhoxiswa ngemva kweminyaka emihlanu yenkonzo eqhubekayo.
- Ukutshalwa kwezimali ku Uhlelo Lukazwelonke Lwempesheni ivumela impesheni ngemuva kokuthatha umhlalaphansi emkhakheni ongaqashelwanga kanye nezingcweti zokusebenza zaseNdiya.
2. Ukudonswa Kwentela Ngaphansi Kwesigaba 80D
Isigaba 80D sivumela ukudonswa kwentela yesisebenzi esiholayo ngokusekelwe ezindlekweni zokwelashwa/umshwalense.
Isimangalo se-Rs. 25,000 iwukukhululwa kumshwalense ngokwakho, owakwakho, kanye (nezingane ezithembele kuye).
Ukudonswa kwentela okwengeziwe kuyatholakala kubazali kuze kufike ku-Rs. 25,000 inqobo nje uma abazali bengaphansi kweminyaka engama-60. Uma abazali beneminyaka engaphezu kuka-60 ubudala, izimali ezibanjwayo zifinyelela kuma-Rs. 50,000
Izindleko ezibanjwayo zingu-Rs. 1 lakh uma bobabili abakhokhi bentela nabazali babo bengaphezu kweminyaka engama-60 ubudala.
3. Ukudonswa Kwentela Ngaphansi Kwesigaba 80DD
Isigaba 80DD sichaza Izimali Ezibanjwayo Zokukhubazeka zesihlobo somuntu okhubazekile. Noma yiziphi izindleko umuntu azitholayo ekwelapheni, ekuqeqesheni, nasekuhlumeleleni izimilo zesihlobo esikhubazekile esithembele kuye zifakwa kulesi sigaba.
Ukubanjwa okugxilile kwe-Rs. 75,000 uma ukukhubazeka kuphakathi kuka-40% kuya ku-80%. Ekukhubazekeni okunzima (ngaphezu kwama-80%), imali ebanjwayo engaguquki ingu-Rs. 1,25,000.
4. Imali Yokuqasha Indlu
I-HRA iyingxenye yesakhiwo samaholo kubasebenzi abaningi. Ikhululiwe ngaphansi isigaba 10 (13A) we-Income Tax Act 1961.
Kodwa-ke, inani elitholwa njenge-HRA liyiholo elikhokhiswa intela ngokugcwele uma isisebenzi sihlala endlini yaso futhi singakhokhi noma iyiphi irenti. Ukukhululwa enteleni ngaphansi kwesibonelelo sokuqasha indlu ubuncane balokhu, njengokulandelayo:
- Ukuthola i-HRA njalo ngonyaka.
- Imali yerenti eyeqile ekhokhwa ngonyaka ngaphezu kuka-10% womholo oyisisekelo wonyaka.
- U-50% womholo wabantu abahlala emadolobheni amakhulu, kanye no-40% walabo abahlala emadolobheni angewona amadolobha.
Kunezimo ezithile eziyingqayizivele lapho umuntu efuna ukufuna inzuzo yentela nge-HRA njenge:
- Ukukhokha irenti kumalungu omndeni/izihlobo.
- Ukuba nendlu, kodwa uhlala emqashweni edolobheni elihlukile.
5. Izinzuzo Zentela Ngokubolekwa Kwezindlu
Uhulumeni waseNdiya ulokhu ekhuthaza izakhamizi ukuthi zitshale imali ezindlini futhi zibe nezakhe. A imalimboleko yekhaya ifanele ukudonswa intela.
Nakhu okulandelayo okubanjwayo okubalulekile phakathi kweziningana lapho uhlela ukuthenga noma ukwakha indlu ngemalimboleko yendlu:
- Ungafuna kufikela ku-Rs. 2 lakh emalini oyitholayo njengemali ebanjwayo yentela ye-EMI yenkokhelo yemali mboleko yakho yekhaya. Umuntu angafuna le nzalo kuphela uma ukwakhiwa kwendlu yakho sekuphelile.
- Uma ungakathutha endaweni yakho kodwa usakhokha ama-EMIs, ungafuna inzuzo yentela yenzuzo yangaphambi kokwakhiwa. Ukufaneleka okuphezulu kuhlala kufinyelele ku-Rs. 2 lakh ngonyaka.
- Inani lidonswa enkokhelweni eyinhloko yemali mboleko yendlu, futhi. Umuntu angafuna ama-Rs. 1.5 lakh ngaphansi kwale ngxenye ngobuningi.
- Isimangalo senzalo enkulu sama-Rs. 2 lakh ingathathwa ngaphansi kwemalimboleko ehlanganyelwe yendlu yiqembu ngalinye. Ukuze uthole inkokhelo eyinhloko, umkhawulo ongu-Rs. I-1.5 lakh ingafunwa kumafomu abo entela angawodwana.
6. Shiya Isibonelelo Sokuhamba
I-LTA iwukukhululwa okunikezwa amakilasi aholayo phakathi neminyaka yokusebenza kwawo ngisho nangemva kokuthatha umhlalaphansi noma ukunqanyulwa kwezinkonzo.
Kuyisibonelelo esitholwa umsebenzi kumqashi wakhe uma esekhefini. Ukukhululwa kwe-LTA kutholakala kuphela ohambweni olubili olwenziwe kubhlokhi yeminyaka emine yekhalenda.
Izindleko ezimboziwe ziyizindleko zokuhamba eziyinhloko kuphela, okungukuthi, imali yokugibela.
Kunemibandela embalwa yokufuna i-LTA:
- Uhambo lwangempela kufanele lwenzeke ukuze kuzuze ukukhululwa.
- Ukuvakasha kwasekhaya kuphela (okungukuthi, ngaphakathi kwe-India) okukhavwe ngaphansi kwalokhu kukhululwa.
Umsebenzi angazitholela inzuzo yena noma yena nomndeni wakhe.
Umndeni uhlanganisa umlingani womsebenzi, izingane, nabazali abondliwe kanye nezingane zakubo. Akuvunyelwe ukukhululwa izingane ezizalwa ngemva komhla lu-1 kuMfumfu 1998.
7. Izinzuzo zentela ngezindleko nezimbuyiselo
Uma ungumnikazi, indlela elula yokuthola izinzuzo zentela iwukukhombisa izindleko zonyaka othile wezimali.
Umuntu angabonisa izindleko ezinjalo eziningana. Lokhu kubandakanya izindleko zokufunda zezingane, inkokhelo yesiphathimandla sokuthuthukisa, ukuthengwa kwezinto zokwakha, ukwehla kwenani, njll.
Kumsebenzi oholayo, angathola inzuzo efanayo ngokumbuyisela.
Yisinxephezelo inhlangano ekhokha ngayo kubasebenzi ngezindleko zabo. Ukubuyiselwa kwemali ziyizinhlobo eziningana: izindleko zikaphethiloli, iholo lomshayeli, izindleko ezitholwe phakathi nohambo olusemthethweni, njll.
8. Inkululeko
Umqashi unikeza i- gratuity njengenzuzo engafakiwe eholweni lomsebenzi.
Kudingeka ubuncane beminyaka emi-5 yenkonzo ukuze uthole isisa ngokuthatha umhlalaphansi, ukwesula, ukufa, noma ukukhubazeka.
Okuncane kokulandelayo kusebenza njengokungakhokhi imali engenayo ekhokhiswa intela:
- Iholo lokugcina liphindwe ngenani leminyaka yokusebenza liphindwe ngo-15/26.
- 20 lakhs kuGratuity.
9. Izinzuzo Zentela KumaScholarship for Education and Education Loan
Ukunciphisa imali engenayo ekhokhiswa intela, umuntu angasebenzisa inombolo ye izinzuzo zentela ezihlinzekwa ngemfundo.
Tuhulumeni uhlinzeke ngezinzuzo zentela emalini yemfundo yezingane, imali yokufunda, kanye nemali yesikole ukuze kuthuthukiswe izinga lokufunda nokubhala laseNdiya.
- Imfundo yezingane ikhululiwe ku-Rs. 100 ngenyanga kuze kube yizingane ezimbili. Ukwengeza, ukukhululwa kwezindleko zabo zasehostela ku-Rs. 300 ngenyanga kuze kufike ezinganeni ezimbili.
- Umuntu angaphinda afune izimali zesikole nezezifundo zanoma yisiphi isikhungo semfundo ezifika kuma-Rs. 1.5 lakh.
10. Ukukhululwa Enteleni Ngomnikelo noma Umnikelo
Ngaphansi isigaba 80G, umuntu angathola izinzuzo zentela ngokwenza umsebenzi othile omuhle futhi anikele entweni ethile.
Noma yiliphi ibhizinisi lase-India elaziswa umnyango wentela ngokubanjwa kwentela lingena ngaphansi kwalesi senzo. Ungafuna iminikelo efika ku-100% uma unikela ohlwini oluthile nezinhlangano.
Uma unikela ngokheshi, ungafuna umkhawulo wama-Rs. 2,000. Kodwa-ke, uma unikela ngamasheke, imali yebhange, noma izindlela zedijithali, awukho umkhawulo ophezulu wesaphulelo.
11. Gcina Imali Ku-akhawunti Yakho Yokulondoloza
Indlela elula yokonga intela iwukugcina imali ethile ku-akhawunti yakho yokonga.
Inzalo ayikhokhi intela Kufika kuma-Rs. 10,000 ku-akhawunti yakho yokonga, ngokweSigaba Idatha ye-80TTA. Kubantu abadala, lo mkhawulo ngama-Rs. 50,000.
12. Izinhlelo Zomshwalense Wempilo
Ukukhetha umshwalense wempilo kuyadingeka, kungakhathaliseki ukuthi iza nokukhululwa enteleni.
Umuntu angathola izinzuzo zentela ezifika ku-Rs. 1.5 lakh kwiprimiyamu njalo ngonyaka. Ukuthenga noma ukuvuselela inqubomgomo yomshwalense wempilo kufanelekile ukuthola izinzuzo zentela ezifika kuma-Rs. 1.5 lakh futhi.
Ziningi ezinye izindlela zokonga intela e-India.
Kodwa-ke, amaphuzu, njengoba kushiwo ngenhla, yiwona alula futhi azwakalayo.
Ungakwazi futhi ukukhetha izinketho ezimbalwa esikhundleni sokukodwa nje bese wenza iphothifoliyo yezinye izindlela esikhundleni sokukhululwa enteleni.
Qinisekisa ukuthi noma iyiphi inketho oyikhethayo ihambisana ngokuphelele nezinhloso zakho zesikhathi eside, izinjongo zezimali, kanye nezidingo ze-liquidity.
shiya impendulo