Income tax is a significant source of revenue for the government and it is essential in funding various public welfare benefits, infrastructure development, and providing citizens with essential services. Individuals are encouraged to save and invest more as a result of the various deductions and exemptions available under the Indian Income Tax Act of 1961, which contributes to the country's overall economic growth. The income tax is a valuable tool for funding government spending, increasing transparency, reducing inequality, and cultivating unity. It is an essential component of the country's overall development as well as a healthy and sustainable economy.
Individuals, Hindu Undivided Families (HUFs), companies, and firms are all taxed in India. In India, the Indian Income Tax Act of 1961 governs income tax rules and regulations.
Different tax slabs apply to different income levels, with tax rates ranging from 5% to 30%. Individuals earning up to Rs.2.5 Lakh per year are tax-free, while those earning Rs.2.5 Lakh to Rs.5 Lakh are taxed at a rate of 5%.
10 Effective Income Tax Deductions to Reduce Taxes in FY 2024-2025
The Income Tax Act provides several tax deductions under different sections that can help you reduce your taxable income and save funds on taxes. Here are ten useful income tax deductions from Section 80C to 80U for the FY 2024-2025:
Section 80C:
This section allows you to deduct up to Rs.1.5 Lakh from your income for investments in specified instruments such as Public Provident Fund (PPF), Employees Provident Fund (EPF), and National Savings Certificate (NSC), among others.
Section 80CCD:
This section allows you to claim deductions of up to Rs.1.5 Lakh for National Pension System contributions (NPS).
Section 80D:
This section allows you to deduct medical insurance premiums paid for yourself, your spouse, your dependent children, and your parents. This section allows for a maximum deduction of Rs.50,000 for self, spouse, and children, and Rs.50,000 for senior citizens.
Section 80E:
This section allows you to deduct the interest paid on student loans for higher education. There is no cap on the number of deductions you can claim under this section.
Section 80G:
This section allows you to deduct charitable contributions made to specific organisations. Depending on the type of institution, the maximum deduction under this section ranges between 50% and 100% of the donated amount.
Section 80TTA:
Under this section, you can deduct up to Rs.10,000 for interest earned on savings accounts.
Section 80GG:
If you do not receive HRA as part of your salary, you can claim deductions for rent paid under this section. This section allows for a maximum deduction of Rs.60,000.
Section 80RRB:
This section allows you to deduct royalties received from patents. This section allows for a maximum deduction of Rs.3 Lakh.
Section 80U:
This section allows you to deduct expenses for people with disabilities. The maximum deduction under this section is Rs.75,000 for a disabled person and Rs.1.25 Lakh for a severely disabled person.
Section 24:
Section 24 provides substantial income tax benefits on Home Loans. If you have a Home Loan, you can deduct the interest paid on a self-occupied property loan in this section. The maximum deduction for a housing loan under this section is Rs.2 Lakh.
How to Calculate Income Tax?
Income tax is calculated in accordance with the Income Tax Act of 1961 and the Central Board of Direct Taxes' rules and regulations (CBDT). Here's an overview of how income tax is calculated in India:
1. Determine Your Taxable Income
All sources of income, such as salary, business or professional income, capital gains, and other sources, are included in your taxable income. Income Tax Deductions under Sections 80C, 80D, and other sections of the Income Tax Act can help you reduce your taxable income.
Also Read: How Much Tax Can be Saved Under Sections 80C, 80D, and 80G?
2. Determine Your Tax Slab
The Indian tax system is divided into several tax slabs, and the tax rate varies according to your taxable income. The tax slabs for FY 2023-24 are as follows:
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Up to Rs.3 Lakh: NIL
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Rs.3 Lakh to Rs.6 Lakh: 5%
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Rs.6 Lakh to Rs.9 Lakh: 10%
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Rs.9 Lakh to Rs.12 Lakh: 15%
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Rs.12 Lakh to Rs.15 Lakh: 20%
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Above Rs.15 Lakh: 30%
3. Calculate Your Tax Liability
To calculate your tax liability, multiply your taxable income by the applicable tax rate, then subtract any tax credits or rebates that you qualify for. You could also use the Income Tax Calculator online.
4. File Your Tax Return
Finally, by the due date, you must file your income tax return with the Indian government. This is something you can do online.
Steps to Filing Your Income Tax in India:
Step 1: To calculate your taxable income, you will need to gather all of your income-related documents, such as salary slips, Form 16 (applicable for employees), and bank statements.
Step 2: All sources of income, such as salary, business or professional income, capital gains, and other sources, are included in your taxable income. Deductions under Sections 80C, 80D, and other sections of the Income Tax Act can be used to reduce your taxable income.
Step 3: Calculate your tax liability using the Indian government's tax slabs and rates. You can get help from online tax calculators.
Step 4: To file your tax return, you must first register on the Indian government's e-filing portal. To complete the registration process, you will need to provide your PAN (Permanent Account Number) and other personal information.
Step 5: After logging into the e-filing portal, you must complete the tax return form (ITR). The form will request details on your taxable income, deductions, and tax liability.
Step 6: After completing the form, you can preview your tax return to ensure that all of the information is correct. You can file your tax return if everything is in order.
Step 7: To avoid penalties and interest charges, you must pay any taxes owed before the due date.
Step 8: For future reference, keep a copy of your tax return and all supporting documents.
Also Read: How to File your ITR for Home Loan
How to Use an Income Tax Calculator?
Using an income tax calculator is a straightforward process that can assist you in determining your tax liability. Here is how to use an income tax calculator:
Step 1: There are numerous free income tax calculators available online, but it is important to select one that is dependable and accurate. Make a list of the calculators you want to use and go to their website.
Step 2: The income tax calculators will require you to enter personal information such as your name, age, gender, and PAN card number.
Step 3: The next step is to enter your income information, such as your salary, business or professional income, capital gains, and other sources of income.
Step 4: To reduce your taxable income, you can also claim tax deductions under Sections 80C, 80D, and other sections of the Income Tax Act.
Step 5: The income tax calculator will use the tax slabs and rates specified to calculate your tax liability.
Step 6: The income tax calculator will show you how much tax you owe and how much you will receive after taxes are deducted.
Step 7: The income tax calculator results can be saved for future use.
DISCLAIMER:
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent errors or delays in updating the information. The material contained in this website and on associated web pages, is for reference and general information purposes, and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. Neither Bajaj Housing Finance Limited nor any of its agents/associates/affiliates shall be liable for any act or omission of the Users relying on the information contained on this website and on associated web pages. In case any inconsistencies are observed, please click on contact information.
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cibil Cibil
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Ways to Improve Your Credit Score with a Credit Card2024-02-02 | 4 min
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cibil Cibil
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What Factors Do Not Affect Credit Scores?2024-02-28 | 7 min
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cibil Cibil
[N][T][T][N][T]
How to Check Your CIBIL Score for Free and What to Do If There Are Errors in It2024-06-05 | 4 min
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home+loan Home Loan
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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3 Different Loan Against Property Types You Should Know About2024-02-13 | 5 Min
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
[N][T][T][N][T]
How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
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How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
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How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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10 Smart Steps for Effective Home Loan Management2024-02-16 | 5 min
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home+loan Home Loan
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Advantages for First-Time Home Buyers2023-07-14 | 4 min
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home+loan Home Loan
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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Common Myths About Home Loans: All You Need to Know2024-04-08 | 5 min
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5 Benefits of Availing of a Home Loan at an Early Age2024-05-10 | 3 min
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[N][T][T][N][T]
7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
[N][T][T][N][T]
How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
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Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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[N][T][T][N][T]
Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
[N][T][T][N][T]
What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?2023-01-30 | 3 min
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?2024-01-24 | 3 min
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A Helpful Guide to Understanding Your Credit Report2024-01-26 | 5 min
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An Essential Guide to Refinancing a Home Loan