The Income Tax Department is a government agency in charge of administering and enforcing a country's tax laws. The department's primary function is to collect taxes and ensure that tax laws are followed by individuals and organizations. The department also provides taxpayers with tax services, such as tax refunds, and assists in educating taxpayers about their tax obligations and rights.
Individual and corporate income taxes are the primary sources of revenue for the Income Tax Department. These taxes are levied based on the income earned by individuals and organizations during a fiscal year. The department also collects taxes on other types of income, such as capital gains, dividends, and interest income. The revenue collected by the Income Tax Department accounts for a significant portion of the government's total revenue and is used for a variety of public expenditures, such as infrastructure development, healthcare, and education.
Let us now understand how much tax an individual can save under Section 80C, Section D and Section 80G of the Income Tax Act.
Section 80C Overview
Section 80C of India's Income Tax Act is a tax-saving provision that allows individuals to deduct certain specified investments and expenses from their taxable income. In a fiscal year, the maximum deduction under Section 80C is limited to Rs.1.5 Lakh.
Deductions and Tax Saving Under Section 80C
The Indian Income Tax Act's Section 80C enables taxpayers to deduct certain predefined investments and expenses from their taxable income. Under Section 80C, taxpayers are eligible to deduct up to Rs.1.5 Lakh from their taxes each fiscal year. Section 80C also allows for a deduction for payments made toward the principal amount of Home Loan EMIs.
Taxpayers can lessen their taxable income and subsequently their tax obligation by making investments in and incurring expenses for eligible items. According to Section 80C, the following investments and costs are typical examples of deductions.
Contributions to Employees' Provident Fund (EPF)
The Employees' Provident Fund (EPF), an Indian retirement savings program, is in charge of managing the fund. Employees in the organised sector are required to make a set monthly contribution to the EPF from their take-home salary. Employers must also contribute a matched contribution. The EPF was created to provide workers with security during their retirement years. Employees may withdraw accumulated contributions and interest upon retirement or in other circumstances. Because withdrawals are tax-free, the EPF is an appealing investment option for tax-saving purposes.
Life Insurance Premiums
Life insurance premiums are payments made to purchase a life insurance policy. A life insurance policy is a contract between the policyholder and the insurance company in which the insurance company agrees to pay a death benefit to the policy's beneficiaries in the event of the policyholder's death. Life insurance premiums are deductible in India under Section 80C of the Income Tax Act.
Equity-Linked Savings Scheme (ELSS) investments
In India, an equity-linked savings scheme (ELSS) is a type of mutual fund investment that provides tax benefits to taxpayers under Section 80C of the Income Tax Act. ELSS funds are a type of equity mutual fund that invest primarily in equities. ELSS funds invest in a diverse portfolio of equity securities intending to provide long-term capital growth.
Public Provident Fund (PPF)
The Public Provident Fund (PPF) is a long-term savings plan offered by the government of India. It is intended to encourage individual savings while also providing a safe investment option with attractive returns. Individuals can open a PPF account with a bank or post office and contribute up to Rs.1.5 lakh per fiscal year. The contributions are deductible under Section 80C of the Income Tax Act.
National Savings Certificate (NSC)
The National Savings Certificate (NSC) is a savings certificate issued by the government of India to encourage individual savings. The NSC is a fixed-income investment, which means it pays a fixed rate of interest for the duration of the investment. The interest earned on NSC is reinvested, and the principal and accumulated interest are paid back at the end of the investment term. Investments in NSC are deductible under Section 80C of the Income Tax Act.
Subsections of 80C
Section 80CCC
Individual contributions to pension plans in India are tax deductible under Section 80CCC of the Income Tax Act. Individuals can deduct contributions to pension plans offered by life insurance companies, banks, or any other approved institution under this section. The maximum deduction under this section in a fiscal year is Rs.1.5 Lakh, which is the same as the limit under Section 80C. The goal of Section 80CCC is to encourage people to save for retirement and to provide a steady source of income in their post-retirement years.
Section 80CCD
Individual contributions to India's National Pension System (NPS) are tax-deductible under Income Tax Act Section 80CCD. Under Section 80CCD, individuals can deduct up to 10% of their basic salary (for salaried individuals) or gross total income (for self-employed individuals) for NPS contributions. Individuals can claim an additional deduction of up to Rs.50,000 under Section 80CCD (1B) for NPS contributions made in addition to the 80CCD deduction.
Section 80CCF
Section 80CCF of the Income Tax Act of India provides a tax break for investments in certain infrastructure bonds. Individuals can claim a deduction under this section for infrastructure bond investments up to Rs.20,000 per fiscal year.
Section 80CCG
Investments in equity savings schemes are tax deductible under Section 80CCG of the Income Tax Act of India (RGESS). The section allows first-time investors with an annual income of up to Rs.12 Lakh to claim a deduction for investments made in approved equity savings schemes up to a maximum of 50% of the amount invested in a fiscal year, subject to a maximum of Rs.50,000. This section's goal is to encourage first-time investors to invest in the stock market while also promoting financial literacy.
Section 80D Overview
Section 80D of the Income Tax Act of India provides tax breaks for citizens who pay for medical insurance premiums for themselves, their spouses, dependent children, and their parents. Individual taxpayers can claim a maximum deduction of Rs.75,000 while senior citizens can claim a maximum deduction of Rs.1,50,000. The maximum deduction increases to Rs.50,000 if the parents are senior citizens.
What are the Deductions Under Section 80D?
Section 80D of the Income Tax Act provides for the following deductions:
Medical insurance premium
Taxpayers can deduct the premiums paid for health insurance policies for themselves, their spouses, their children, and their parents, up to certain limits.
Senior citizen parents
A higher deduction of up to Rs.75,000 is permitted if the taxpayer pays medical insurance premiums for senior citizen parents.
Preventive health check-ups
Expenses incurred for preventive health check-ups for self, spouse, children, and parents are also deductible under this section, up to a limit of Rs.5,000.
Overall, the maximum deduction available under Section 80D is Rs.75,000 for the financial year 2022-23. These deductions can be claimed as a part of the taxpayer's taxable income, which in turn reduces their taxable income and the amount of tax they are liable to pay.
To calculate the exact amount of tax savings that can be achieved through these deductions, taxpayers can use an income tax calculator, which takes into account various factors such as income, deductions, and exemptions to provide an accurate estimate of their tax liability.
Section 80G Overview
Section 80G of the Income Tax Act allows for tax deductions for charitable contributions made to specific institutions and organizations. Donations eligible for deductions under this section must be made in specified forms, such as cash, check, demand draft, or electronically.
Depending on the nature of the institution and the type of donation made, the deduction available under Section 80G ranges from 50% to 100% of the donation amount. Donations to a notified charitable trust or institution, for example, are eligible for a 100% deduction, whereas donations to political parties are eligible for a 50% deduction.
It should be noted that the contribution must be made to a recognised and eligible institution or organisation and a receipt must be obtained. The receipt must be kept for record-keeping purposes and must be produced if the Income Tax Department requests it.
Conclusion
It is critical for taxpayers to keep detailed records of their investments and expenses, as well as appropriate proof and documentation, to claim deductions under Sections 80C, 80D, and 80G. Taxpayers can effectively reduce their tax liability while also investing for their future financial security by claiming these deductions.
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Frequently Asked Questions
Yes, even if you do not have the bills, you can claim Section 80D deductions for medical insurance premiums paid for your senior citizen parents. However, it is best to keep all relevant documents and receipts for record-keeping purposes and to be able to produce them if the Income Tax Department requests them. In the absence of bills, you can use the insurance company's premium receipt as proof of payment.
The maximum limit for deductions under Section 80D of the Income Tax Act in India for the financial year 2022-23 is Rs.1.5 lakh.
Individual taxpayers and Hindu Undivided Families (HUFs) have a maximum limit of Rs.1.5 lakh under Section 80D and senior citizens (individuals aged 60 years or above) have a maximum limit of Rs.2 Lakh, with an additional deduction of up to Rs.50,000 available for preventive health check-ups.
Donations to certain specified charitable organizations and institutions are 100% tax-free under Section 80G of the Income Tax Act. Exemptions are available to the following organizations and institutions:
- Universities and educational institutions that have been approved
- Hospitals and medical research institutions that have been approved
- Relief funds and charitable organizations that have been approved
- Rural development projects and poverty alleviation programs that have been approved
The limit for deductions under Section 80C is Rs.1.5 Lakh, and the limit for deductions under Section 80D is Rs.2 Lakh for senior citizens and Rs.1.5 Lakh for individual taxpayers and Hindu Undivided Families, as well as preventive health check-ups up to a limit of Rs.50,000.
The amount of tax saved under Section 80G is determined by the amount of the donation and the taxpayer's marginal tax rate. Exemptions can range from 50% to 100% of the donation amount.
The maximum tax deduction under Section 80D for individual taxpayers is Rs.1.5 Lakh and Rs.2 Lakh for senior citizens, inclusive of premiums paid and preventive health checkups.
The scope of the medical insurance coverage and the diseases covered by the policy are determined by the insurance provider. However, In general, medical insurance policies cover a wide range of illnesses and medical conditions, such as hospitalization, surgery, and other medical expenses. Some policies may also cover specific diseases like cancer or heart disease.
Yes, you can claim deductions for both together under Sections 80D and 80DD of the Income Tax Act.
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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
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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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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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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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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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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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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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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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home+loan Home Loan
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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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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home+loan Home Loan
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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home+loan Home Loan
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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home+loan Home Loan
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?2024-01-24 | 3 min
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cibil Cibil
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A Helpful Guide to Understanding Your Credit Report2024-01-26 | 5 min
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home+loan Home Loan
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An Essential Guide to Refinancing a Home Loan