8 Best Tax Saving Option (2018) in Hindi – Income Tax Saving Tips in Hindi

Tax saving option :- Tax saving option post income tax se related post hai. Aaj is post main main aapko 16 best tax saving option ke bare mai batunga.agar aap bi best tax saving option dhund rahe hai to is post ko pura padhe.

2018 shuru ho gaya hai or jo log income tax pay karte hai wo tax saving option search karne lag gaye hai taki unko income tax pay na karna pade. 80c act ke according jo tax liya jata hai unse pachne ke liye liye log internet par bhi search kar rahe hai ki income tax se kaise bache.

Bahut se log best tax saving option mai invest bhi karte hai or tax bachane ke sath sath ache return bhi lete hai.

Chahiye jante hai aise konse tax saving option hai jinka usr karke 80c act ke according aap tax bacha sakte hai. Is post mai aapko salary man or business men dono le liye best income tax saving process ke bare me detail se bataya gaya hai.

ELSS Tax saving mutual fund
ELSS tax saving optiin ki help se aap saal ke 1.50 lakh rs tak bachs sakte ho. Mutual fund ki tarah ELSS bhi return ki agrauntee nahi deta. Par yaha se aap yearly 12-18 % interet le sakte ho.

Other tqx ke mukable ELSS fund ki lock-in period 3 saal ka hai. Invester profit optiin ko select karke lock in process ke time par acha interest le sakte hai.

8 Best Tax Saving Option (2018) in Hindi

Aisa jaruri nahi hai ki is fund mai aapko ek sath paise invest karne haim. Aap yahan par har mahine thoda thoda bhi invest kar sakte hai. Or is tarah se aap acha interest pa sakte hai.ek baad dhyan rahe ki har mahine ki sip ki lockin validity 3 saal ki hogi

Yaha par aapko ek chota sa example deta hu..
Agar aapki first sip november 2017 mai jama hoti hai to 3 saal ka locking period hoga jo oct 2020 tak hoga. Or aar aapki second sip dec  2107 mai jama hoti hai to uska locking period november 2020 tak hoga.khuki yahbek equity mutual fund hai. Jo 3 saal ke lock period mai jama hota hai. Or isse milne wale return par aapko koi bhu tax nahi lagta.

Top ELSS tax saving mutual fund mai axis loan term equity fund, reliance tax saver fund,  Ye ek best investment plan hai jo aap ko ache return deti hai. Or ye aapko 2018-2019 mai tax saving ke kaam bhi aayegi.

Public Provident Fund
Ministry of Finance ne long investment plan par interest rate kam karta ja rha hai. haal hi main in home ppf par bhi interest rate kam kar diye hai jo bhi pehle bahut jyada the. Bit fir fir india mai taz saving ka ye ek acha option hai.

Agar hum last year ki baat kare to december 2017 mai ppf interest rate 7.8% tha. Or ab isme se bhi 0.2 % ka kar diya hai. PPF ka locking period 15 saal ka hai aur isme jo aapko return milega ep tax free rahega.

80c act ke according aap ppf mai salaana 1.50 lac rs tak jama kar sakte hai. Or kam se kam 500rs. Oragar aap ppf mai invest karte hai to aapko 3-5 saal ke period mai loan bhi mil sakta hai. Yahi ki aap apne ppf par loan bhi le sakte hai. Or jab aap loan pay karoge to us par internet bahut kam 2% lagta hai. Or aagar aap aapene ppf account se kuch paise mikalna chahte hai to uske liye aapko kam se kam 6 saal ka wait karna padega

Jab aapka ppf account ko 6 saal complete ho jayegi to aapk kuch paise nikal bhi sakte ho. NRI log PPF account open nahi karwa sakte. New update october 2017 ke according agar koi nri apna ppf account open karwata hai to usko sirf post office SB internet milga.

PF mai aap kam se kam 500 rs or jyada se jyada 150,000 rs jama kar sakte hai. Agar aap isse jyada paise jama karte hai to bina kisi interest ke aapke paise apne account mai deposit kar diye jayenge.

Aap har mahine ppf account mai invest kar sakte hai. Agar aap har mahine ki 5 tarik se pehle invest karte hai to aapko pure mahine ka return mileage. Or agar aap har saal 150,000rs 5 tarik se pehle jama karte hai to 15 saal baad ap or bhi jyada internet mega.

Ppf best tax saving option hai. Jo log tax bachna chahte hai. Ya jo apne bache ko shaadi ya unke study ke liye paise jama karna chahta hai eo ppf mai invest kare. Ppf se aapko ache return milenge.

Best Tax Saving Option in Hindi

Sukanya samriddhi yojana.
Agar aap beti ke pita hai to aap liye sukanya samridhi yojna best tax saving option ho sakta hai. Aap is sukanya smidhi yojana mai account open karwaye. Yaha par aap kam saal mai 150,000 rs tak hi jama kar sakte hai. Or is par milne wala interest 8.3 % hai.

Jab tak aapke beti 15 saal ki nahi ho jati aap is account mai paise jama kar sakte hai. 16-21 saal mai aap isme koi bhi paisa jama nahi kar sakte or jab aapki beti 21 saal ki ho jayegi to ye account mature ho jayega or aapko paise mil jayenge . Aapko jo bhi paise milenge us par koi tax nahi lagega.

Tax Saver Fixed deposits
IT act 80c ke according ye option tax saving ka achs option hai. Ye kafi purana or achi investment plan haim. Filhaal is par 5%-7.5% ke beche interest rate il raha hai.

Isme aapko bank mai rakhi fd se jo interest milega us par aapko tax pay karna padta hai par aap us tax se bach sakte hai uske liye alag process hota hai.  Tax saver FD ka lock in time 5 saal ka hai.

Senior Citizen Savings Schemes
ye tax Senior Citizen ko acha interest deta hai. tax bachane ke liye 60 ya usse jyada age wale log Senior Citizen Savings Schemes mai apna account open karwa sakte hai. is scheme mai aapko 8.3% yearly interest milta hai. lock in period 5 year ka hai.

Senior Citizen Savings Schemes mai quarterly interest diya jata hai. jo bhi Senior Citizen tax bachana chahte hai unke liye Senior Citizen Savings Schemes best tax saving option hai. Isme aap maximum 15,000,00 invest kar sakte hai.

Is scheme mai aapko jo bhi profit hoga us par tax dena hoga. agar ap ek saal baad paise niklate hai o aapko 1.5% interest dena hoga or wahi agar aap 2 saal baad paise nikalte hai to aap ko 1% interest dena hoga.

Rajiv Gandhi Equity Savings Scheme
Is scheme mai aap salana 50,000 rs se jyada ka inb=vest kar sakte hai . Aap BSE 100 stack ya RGESS mutual fund mai invest kar sakte ho.

Is scheme mai aap jo bhi aap invest karenge uske 50% par aapko tax mai rahat milegi.matlab aagar aap BSE100 stack mai ya fir RGESS mutaula fund mai 50,000 rs invest karte hai to aapko 25,000 rs par tax nahi dena padega. Isme return ki koi gurantee nahi rahte hai. kyuki isme high risk investmenrt mai paisa laga hota hai.

Income Tax Saving Tips in Hindi

Voluntary provident fund
Voluntary provident fund mai employee apni marzi se paise jama kar sakta hai. yah 12% EPF yogdaan se adik hai. halaki karamchari isme yogdaan karne ke liye bhadye nahi hai. DA ka 100% hissa employee jam kar sakta hai. 2017-18 mai 8.4% interst diya hai.

Pension Fund
Logo ke retirement ke baad unki Pension fund ke paise kafi help karte hai. Pension fund mai aapko Deferred annuity or instant annuity ke option bhi milte hai. Retirement ke baad aapko 60% paise nikal sakte hai or baki ke paise auity fund mai hogi or aapko monthly pension ke roop mai milti rahegi. Annuity fund mai aap ek baar mai mota paisa jama kar sakte ho or agle mahine se hi monthly pension le sakte ho.

Note :- 16 best tax saving option mai Act 80c ke according 1.5 crore, NPS ke 50,000 rs , 2,00,000 rs tak ke interest par home loan par discount or first time ghar kharidne par 50,000 rs xtra discount milta hi. total 4.5 lakh rs ka profit. aapko sahi option ke bare mai jyda sochne ki jarurat nahi hai. bus apki investment ko dhtyan mai rakh kar faisla le. or sahi tax saving option chunne.

Main umeed karta hu ki apko 8 tax saving option ke bare mai ache se samjh aa gaya hoga. agar aapko kuch dout hai to comment karke puch sakte hai. aap bhi 2018 mai apne liye best tax saving option select kare.

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