अगर बचाना है ज्यादा टैक्स,तो कहां डालें पैसा?

Aishwarya Awasthi Jun 13,2024

PPF में एक साल में 1.5 लाख रुपये तक जमा कर सकते हैं.

[{"selector":"#anim-7dc07737-3452-4ab1-946f-207b6eae806d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-895e4330-6b08-4c23-98ab-c942fc56b8d2","keyframes":{"transform":["translate3d(0px, 192.86442%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dd7c47a3-e2d4-4f27-a021-fe065385c2c4 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

जबकि इसकी मैच्योरिटी 15 साल की होती है.

[{"selector":"#anim-2185dd37-414f-4319-95ee-c8ba11580770 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-3751b394-6265-490f-bb7f-fd36030ac7dc","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d7ebcbfb-7313-4907-be34-8edb6073c06c","keyframes":{"transform":["translate3d(0px, 285.43541%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

नौकरीपेशा व्यक्ति इसमें पैसे डाल सकते हैं, क्योंकि बेसिक सैलरी का 100% तक निवेश किया जा सकता है.

[{"selector":"#anim-10dc75ef-f816-4e2e-88d3-3c89cc3e09d1 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-0070d6b3-a7b1-4161-8656-ef5937a4ed22","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a86a0af1-8438-4225-8e74-d873fbdc436c","keyframes":{"transform":["translate3d(0px, 205.70845%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

ELSS यानी इक्विटी-लिंक्ड सेविंग स्कीम.

[{"selector":"#anim-84aaa35a-2e19-47f6-80d5-7edaa279a1f0 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-9aa64f3d-a4be-41e9-bf85-5c53c4c7f31c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8e13369b-0399-4b98-8b1a-db0a770a03d4","keyframes":{"transform":["translate3d(0px, 301.72152%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

ये एक इक्विटी बेस्ड म्यूचुअल फंड है जिसमें 80% शेयर बाजार व 20% डेट में निवेश करते हैं.

[{"selector":"#anim-7f8a01fd-39a4-419c-8f43-1439a43a0e9e [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-91c62bb9-372e-4b8d-bd47-ac0178761f63","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e0025524-b3e3-4129-b7a8-e24e647e7271","keyframes":{"transform":["translate3d(0px, 196.53415%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

IT एक्ट के सेक्‍शन 80C के अनुसान इन तीनों योजनाओं में निवेश करना अच्छा है.

[{"selector":"#anim-052d7245-b3ce-4f11-aa9e-810ab50c8c47 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-c16b366b-6b0d-465d-b9ff-5d80a434dee4","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-68caa71a-a6b9-41e4-968f-7c33ffb2fb3f","keyframes":{"transform":["translate3d(0px, 204.79103%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

इनमें निवेश करके एक साल में 1.50 लाख रुपए तक का टैक्स डिडक्‍शन का फायदा होगा.

[{"selector":"#anim-ec810101-8737-48e6-8d54-cb880342534d [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-7d4b74c6-85ba-4471-a9ee-3295881f4225","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-16cbe932-3402-4e4d-9ec8-3884c523338d","keyframes":{"transform":["translate3d(0px, 153.57682%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

अब ये भी समझें कि PPF, VPF और ELSS में से कौन-सी स्कीम बेहतर है.

[{"selector":"#anim-a7c6ead6-1912-4ca1-85d9-cf6eb0980c33 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-11a6a377-c63e-40d0-9c63-f87b5d54707d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6760e6d7-6653-4eca-8549-119facaa3aee","keyframes":{"transform":["translate3d(0px, 205.70845%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

नौकरीपेशा वाले हैं तो VPF अच्छी है, क्योंकि इसमें PPF-ELSS से ज्यादा ब्याज मिलेगा.

[{"selector":"#anim-9448a21f-dc91-47bb-95d3-a5f5f09c462b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-1.2013531257482242%, -2.4255609437105012%) scale(1.3496503496503496)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-cf31839f-bd75-4915-a3a5-7a5c0f40989d","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e23e82b2-bd2b-4b14-9761-ae8f20927cb2","keyframes":{"transform":["translate3d(0px, 146.72752%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

अगर रिस्क ले सकते हैं तो ELSS में करें निवेश. इसमें SIP के जरिए पैसों को हर महीने निवेश करके रिटर्न मिलेगा.

[{"selector":"#anim-504c5781-9d4b-48c8-987d-bbbf40546f2f [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-25%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-e25e2235-5a23-4932-a38d-b9fb69f1e542","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1fde1ec2-813c-41e9-84f4-ac919cb9e9bd","keyframes":{"transform":["translate3d(0px, 196.53415%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

शेयर मार्केट के रिस्क से दूर रहते हैं तो PPF में निवेश बेस्ट हो सकता है.

[{"selector":"#anim-2c373ef5-9815-4e48-a845-c1d884a8dfc4 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-2bd78b96-8032-4710-bb23-c1cfce6299f6","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-71560e9a-a383-4326-b8aa-8a9c2de19c1e","keyframes":{"transform":["translate3d(0px, 196.53415%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.