Income tax is an important source of revenue for the Indian government that is imposed on the income earned by individuals, businesses, and other entities during a financial year. The revenue generated from income tax is used to fund public welfare programs, infrastructure development, defence, and other essential services. The income tax system promotes equity and justice by ensuring that those with higher incomes contribute more to society's welfare. It also promotes transparency and accountability in financial transactions by requiring individuals to maintain proper records of their income, subject to scrutiny by the tax authorities.
How Income Tax Works for Individuals with Salaries Above Rs.30 Lakh?
Individuals in India with a salary above Rs. 30 lakh are subject to income tax at a rate of 30%, as per the new income tax regime. However, they have the option to pay tax at a lower rate of 25% on income between Rs. 30 lakh and Rs. 2 crores, but they will have to forego most of the tax deductions and exemptions available under the old regime. It is important for individuals to evaluate their investment and expenditure patterns and consider their financial goals and risk appetite to determine which regime would provide them with the most significant tax benefits.
Effective Ways of Saving Tax for Individuals in This Income Bracket
For individuals in India with salaries above Rs.30 lakh, there are various ways to save on taxes. One of the primary methods is to invest in tax-saving instruments like PPF, NPS, ELSS, and tax-saving fixed deposits. Another option is to claim deductions on interest paid for home loans or education loans. Medical insurance premium payments can also be claimed as deductions under Section 80D of the Income Tax Act. Lastly, individuals can donate to charitable organizations and claim deductions under Section 80G. However, it is important to carefully evaluate investment and expenditure patterns and seek advice from a tax professional to ensure compliance with tax laws.
Understanding Income Tax for Salary Above Rs.30 Lakh
If you earn a salary above Rs.30 lakh in India, you are required to pay income tax as per the provisions of the Income Tax Act of 1961. The current tax rate for individuals with this level of income is 30%. However, since 2020, individuals can choose to opt for a new tax regime that offers lower tax rates. Under this regime, individuals with salaries above Rs.30 lakh can pay tax at a reduced rate of 25% on their income between Rs. 30 lakh and Rs. 2 crores, while the tax rate remains at 30% for income above Rs. 2 crores.
It is important to note that choosing the new tax regime requires individuals to forgo most of the tax deductions and exemptions available under the old regime. This includes deductions for investments made under Section 80C, interest paid on a Home Loan, medical expenses, and donations made to charitable institutions. Therefore, individuals should consider their investment and expenditure patterns to determine the most effective way to save on taxes while staying compliant with the law.
Income Tax and its Purpose
As discussed, income tax is a direct tax that individuals, businesses, and other entities pay to the government on their income, profits, or gains. The purpose of income tax is to generate revenue for the government, which is used to fund public services such as healthcare, education, and infrastructure. Additionally, income tax is used to promote social and economic objectives, such as reducing income inequality and encouraging investment and savings. To calculate income tax liability, individuals can use an Income Tax Calculator, which takes into account various factors such as income, deductions, exemptions, and tax rates.
Income Tax Slab and Rates for Individuals with Salaries Above Rs.30 Lakh
Annual Income | Old Tax Regime | New Tax Regime |
---|---|---|
Up to Rs.2.5 lakh | NIL | NIL |
2.5 lakh – Rs.5 lakh | 5% (Claim Rebate) | NIL |
5 lakh – Rs.7.5 lakh | 20% + Rs.12,500 | 10% + Rs.12,500 |
7.5 lakh – Rs.10 lakh | 20% + Rs.12,500 | 15% + Rs.37,500 |
10 lakh – Rs.12.5 lakh | 30% + Rs.1,12,500 | 20% + Rs.75,000 |
12.5 lakh – Rs.15 lakh | 30% + Rs.1,12,500 | 25% + Rs.1,25,000 |
15 lakh and above | 30% + Rs.1,12,500 | 30% + Rs.1,87,500 |
Difference Between Gross Income and Taxable Income
Gross income refers to the total income earned by an individual before any taxes or deductions are subtracted. This income includes salaries, wages, rental income, and investment income.
On the other hand, taxable income is the income that remains after all deductions and exemptions have been considered, which is then used to calculate the individual's tax liability. These deductions can include business or employment expenses, retirement account contributions, and expenses related to health care and education.
It's important to understand the difference between gross income and taxable income since an individual's tax liability is based on their taxable income. To calculate the amount of taxes an individual owes, they can use an income tax calculator that takes into account their taxable income and applicable tax rates.
Identifying Tax-Saving Opportunities on Salary Above Rs.30 Lakh
If you earn a salary above Rs.30 lakh in India, there are several tax-saving options available to help reduce your tax liability. These options can differ in terms of investment risk, returns, and lock-in periods.
One option is to invest in tax-saving mutual funds, or Equity Linked Savings Schemes (ELSS), which mainly invest in equity and offer tax benefits under Section 80C of the Income Tax Act. However, ELSS has a lock-in period of three years, during which you cannot withdraw your investment. Nevertheless, ELSS has the potential to offer higher returns compared to other tax-saving options.
Another option is to invest in a Public Provident Fund (PPF), a long-term investment scheme offering tax benefits under Section 80C. The PPF has a lock-in period of 15 years, and the current interest rate is 7.1%. The interest earned on PPF is tax-free, making it an attractive option for tax-saving.
The National Pension Scheme (NPS) is another tax-saving option available to individuals, which is a retirement-focused investment scheme. Contributions made to NPS are eligible for tax deduction up to Rs. 2 lakh per annum and offer tax benefits under Section 80CCD. The returns on NPS are market-linked, and the scheme has a lock-in period until retirement age.
Other tax-saving options include investing in tax-saving fixed deposits, contributing to the Employee Provident Fund (EPF), and purchasing life insurance policies, among others. It's important to understand the differences between these options in terms of risk, returns, and lock-in periods before making an investment decision.
Deductions Under Section 80C
Under Section 80C of the Income Tax Act, individuals can enjoy tax benefits for specific investments and expenses, subject to a maximum limit of Rs. 1.5 lakh per financial year. Note that the total deductions available under Section 80C cannot surpass Rs. 1.5 lakh per financial year. Hence, individuals must make prudent investment decisions based on their financial objectives and risk tolerance.
There are several investment options available under Section 80C, including:
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ELSS, which primarily invests in equity and offers tax benefits under Section 80C, is a mutual fund type with a lock-in period of three years.
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The Public Provident Fund (PPF) is a long-term investment plan that offers tax benefits under Section 80C. PPF comes with a lock-in period of 15 years.
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The National Savings Certificate (NSC) is a savings scheme backed by the government that offers tax benefits under Section 80C. It has a lock-in period of five years.
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Tax-saving fixed deposits refer to fixed deposits that offer tax benefits under Section 80C and have a lock-in period of five years.
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Contributions to Provident Fund (PF) and Voluntary Provident Fund (VPF) qualify for tax benefits under Section 80C.
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Life insurance premiums are permissible for tax benefits under Section 80C.
Deductions Under Section 80D
Under Section 80D of the Income Tax Act, individuals can avail tax benefits on medical insurance premiums paid for themselves and their family members, subject to a maximum limit. The maximum limit for deductions depends on the policy purchased and the age of the individual. For individuals below the age of 60, the maximum deduction limit is Rs. 25,000 per financial year. Senior citizens (age 60 years and above) can claim up to Rs. 50,000 per financial year.
Furthermore, an additional deduction of up to Rs. 25,000 is available for medical insurance premiums paid for parents who are below 60 years of age. If the parents are senior citizens, the limit is increased to Rs. 50,000 per financial year. It is crucial to note that the total deductions under Section 80D cannot exceed the specified limit based on age and policy purchased. Furthermore, cash payments made towards medical insurance premiums are not eligible for tax benefits under Section 80D.
There are various medical insurance options available under Section 80D, including:
Mediclaim Policies: These are standard health insurance policies that provide coverage for hospitalization expenses, such as room rent, doctor's fees, and medicines.
Critical Illness Policies: These policies provide coverage for specific critical illnesses, such as cancer, heart attack, and stroke.
Senior Citizen Health Insurance Policies: These policies provide coverage for medical expenses incurred by senior citizens.
Family Floater Policies: These policies provide coverage for the entire family under a single plan.
Deductions Under Section 80E
Section 80E of the Income Tax Act provides tax benefits to individuals who have taken an education loan for higher studies. This deduction is applicable only for individuals who have taken loans for themselves, their spouse or their children.
Under Section 80E, the entire interest paid on the education loan is eligible for deduction from the total income. There is no cap on the maximum limit for deductions under Section 80E. However, the deduction is applicable only on the interest component of the education loan and not on the principal amount. Additionally, the deduction can be claimed for a maximum of 8 years or until the interest on the loan is fully paid, whichever is earlier.
Various financial institutions and banks provide education loans under Section 80E, which can be availed for courses in India or abroad. These loans cover a wide range of courses, including graduate and post-graduate courses in engineering, medicine, management, etc.
The loan amount can be used to cover tuition fees, hostel charges, and other related expenses. It is important to check with the respective financial institution or bank for the eligibility criteria and other terms and conditions before availing the loan.
Deductions Under Section 80TTA
Section 80TTA of the Income Tax Act provides tax benefits to individuals on the interest earned from savings accounts. This deduction is applicable only to individuals and not to HUFs or other types of taxpayers.
Under Section 80TTA, individuals can claim a deduction of up to Rs. 10,000 on the interest earned from savings accounts held with banks, co-operative societies, or post offices. The interest earned above Rs. 10,000 is taxable as per the individual's income tax slab.
Various financial institutions and banks offer savings account options that are eligible for tax benefits under Section 80TTA. These savings accounts can be used for a wide range of transactions, including deposits, withdrawals, and fund transfers. However, it is important to note that interest earned from fixed deposits, recurring deposits, and other types of savings schemes are not eligible for deductions under Section 80TTA.
Individuals can claim deductions under Section 80TTA by providing details of the interest earned from savings accounts in their income tax returns. It is important to keep a record of the interest earned and the taxes paid on it, as this may be required for verification by the income tax department.
Deductions Under Section 80G
Section 80G of the Income Tax Act provides tax benefits to individuals and organizations for donations made to specified charitable institutions. The maximum deduction limit for donations made to certain institutions ranges from 50% to 100% of the donated amount. Donations can be made in the form of money, property, or land. It is important to note that donations made in cash above Rs. 2,000 are not eligible for tax benefits. Additionally, donations made to foreign charitable institutions are not eligible for deductions under Section 80G.
Donations made to charitable organizations such as trusts, NGOs, and religious institutions registered under Section 80G of the Income Tax Act are eligible for tax benefits. These organizations work towards various sectors such as education, health, poverty alleviation, and environmental conservation. It is important to ensure the registration under Section 80G and obtain a donation receipt before making a donation to claim tax benefits.
Importance of Tax Planning for the Future
Tax planning involves arranging one's finances to reduce tax liability while adhering to tax laws. It is crucial for the future for the following reasons:
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Tax planning utilizes deductions, exemptions, and credits to minimize tax liabilities.
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It enables individuals to make informed financial decisions, reduce the tax burden and maximize savings.
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Tax planning improves financial stability by efficiently allocating resources, aiding wealth creation and achieving long-term financial goals such as retirement planning, home buying, and education funding.
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Tax-saving investments can help to reduce tax liabilities and increase savings for achieving these goals.
Various Tax Planning Options Available for the Future
There are various tax planning options available for the future that can help individuals minimize their tax liabilities and maximize savings. These options include:
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Making use of tax deductions, exemptions, and credits
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Opting for tax-saving instruments like tax-saving mutual funds, National Pension System (NPS), Public Provident Fund (PPF), and Equity-Linked Savings Scheme (ELSS)
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Planning for retirement through tax-saving retirement schemes, including NPS, Atal Pension Yojana (APY), and Senior Citizen Savings Scheme (SCSS).
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Purchasing a house to take advantage of tax benefits available under Section 80C and Section 24 of the Income Tax Act.
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Making charitable donations to claim deductions under Section 80G of the Income Tax Act.
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One can claim deductions under Section 80D by making payments for health insurance premiums.
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Availing tax benefits on education loans by utilizing Section 80E.
Provide Examples of Effective Tax Planning Strategies
Here are some examples of effective tax planning strategies:
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Individuals can minimize their tax liability by reducing their taxable income through various tax deductions, exemptions, and credits.
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Individuals can save on taxes and build their wealth by investing in tax-saving instruments such as tax-saving mutual funds, National Pension System (NPS), Public Provident Fund (PPF), and Equity-Linked Savings Scheme (ELSS).
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Investing in tax-saving retirement schemes, such as NPS, Atal Pension Yojana (APY), and Senior Citizen Savings Scheme (SCSS), can assist individuals in reducing their tax liability and ensuring their financial stability in the future.
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Purchasing a house can enable individuals to avail tax benefits under Section 80C and Section 24 of the Income Tax Act.
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Individuals can claim deductions under Section 80G of the Income Tax Act by donating to charitable organizations.
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Individuals can claim deductions under Section 80D of the Income Tax Act by paying health insurance premiums.
Conclusion
In conclusion, effective tax planning is vital for individuals with salaries above Rs.30 lakh to reduce their tax liability. They can use various tax-saving options such as tax deductions, exemptions, credits, retirement schemes, house buying, charitable donations, health insurance premiums, and education loans to save money on taxes and achieve their financial goals. It is essential for such individuals to prioritize tax-saving, and make informed financial decisions to develop a comprehensive plan. By doing so, they can achieve financial stability and minimize their tax liability.
Frequently Asked Questions
Gross income refers to the total income earned by an individual before any deductions or exemptions are applied, while taxable income is the portion of gross income that is subject to taxation after allowable deductions and exemptions are taken into account.
The maximum limit for deductions under Section 80C of the Income Tax Act is Rs.1.5 Lakh per financial year.
Yes, taxpayers can claim deductions under multiple sections of the Income Tax Act.
To calculate your income tax liability, you need to add up all your income, subtract applicable deductions and exemptions, and apply tax rates as per income tax slabs. This calculation can be done using an online Income Tax Calculator.
Failing to file income tax returns on time can result in penalties and interest charges and can also limit your ability to claim refunds or carry forward losses.
To check your income tax refund status, you can log in to the official website of the Income Tax Department using your PAN and password. The refund status can be viewed under the 'View Returns/Forms' section. You can also send an SMS or an email to the Income Tax Department to check the refund status.
Yes, you can claim tax deductions for investments made in the name of your spouse or children under certain conditions and subject to specific limits.
Yes, you can change your tax-saving strategy mid-year by reviewing your investments and financial goals, but be aware of lock-in periods and penalties for premature withdrawal of some tax-saving instruments.
Senior citizens can take advantage of various tax-saving options, including higher deduction limits on health insurance premiums and medical expenses, higher interest rates on fixed deposits, and investing in the Senior Citizen Savings Scheme (SCSS).
Tax evasion in India can result in penalties between 50% to 200% of the evaded tax, plus interest on the outstanding amount, and in severe cases, imprisonment may also be imposed. The severity of the penalty and punishment for tax evasion is dependent on the amount of tax evaded and the nature of the offence.
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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home+loan Home Loan
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Types of Home Loan Charges2024-01-22 | 3 Min
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home+loan Home Loan
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What is Foreclosing a Home Loan? These are Some of the Do’s and Don’ts2023-12-20 | 6 min
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tax Tax
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10 Useful Income Tax Deductions for FY 2022-232024-02-21 | 6 min
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home+loan Home Loan
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All You Need to Know About Home Loans2023-01-19 | 5 min
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cibil Cibil
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Ways You Can Improve your Credit Score for a Small Business2023-03-01 | 5 min
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tax Tax
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5 Tax Savings and Other Advantages You Can Get When You Apply for Home Loans2024-02-14 | 6 min
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cibil Cibil
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Reasons Why Your CIBIL Score Is Going Down2024-04-10 | 4 min
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[N][T][T][N][T]
Checklist of Documents Required for Home Loan2024-02-07 | 5 min
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home+loan Home Loan
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How to Get a Housing Loan Approved Instantly?2024-04-10 | 5 min
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home+loan Home Loan
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What Is a Pre-Approved Home Loan and How Should You Get It Done?2024-03-12 | 5 min
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tax Tax
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Should You Get a Home Loan to Save Your Taxes?2024-02-01 | 3 min
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home+loan Home Loan
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How to Pay Off Your Home Loan Quicker2024-03-11 | 4 Min
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cibil Cibil
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How Business Loans Affect Your CIBIL Score & How to Improve the Same2024-03-13 | 6 min
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loan+against+property Loan Against Property
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Short vs. Long Loan Against Property Tenor - Which Is Better?2024-05-07 | 4 min
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home+loan Home Loan
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Consider These Factors Before Foreclosing Your Home Loan2024-04-16 | 3 min
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tax Tax
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What is a Property Tax in India and How is It Calculated?2024-03-13 | 4 min
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loan+against+property Loan Against Property
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Understanding the Fees and Charges on Your Loan Against Property2024-04-10 | 6 min
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cibil Cibil
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How Does Missing One Payment Affect Your CIBIL Score?2024-05-15 | 4 min
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home+loan Home Loan
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6 Ways to Reduce Your Home Loan Interest2024-03-20 | 4 min
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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
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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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Understanding Loan-to-Value Ratio (LTV) and its Calculation2023-11-28 | 4 Min
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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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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
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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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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
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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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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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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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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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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