Kulinganiza msonkho kuli maziko a kuyang'anira ndalama kwabwino, makamaka kwa achichepere a ku India omwe ali pachiyambi pa ntchito zawo zolembedwa. Mwakutsatira njira zolondola mwamsanga, mungachepetse kwambiri ndalama zanu za msonkho, kukonza chizoloŵezi chosunga ndalama, ndi kukhazikitsa poyambira kukonza chuma cha nthaŵi yaitali. Nkhaniyi imapereka chitsogozo chokwanira, chokhoza kutsogolera kulinganiza msonkho wokonzekeredwa kwa akatswiri a ku India pansi pa 35. Tidzachotsa njira za msonkho, zoikizira ndalama, zoperekera malipiro, ndi mbuna zofala .

Kuzindikira Msonkho wa ku India

Dongosolo la ndalama za India limagwira ntchito pansi pa nyumba yoyendera limodzi ndi nyumba ya Malamulo ya Infest. Chaka chandalama 2024-25, mapepala a msonkho pansi pa [[FLT: 0] boma lakale la msonkho limapatsa ndalama zapamwamba ndi kusakhoma msonkho, pamene kuli kwakuti boma latsopano la msonkho [[FLT:] limapereka ndalama zotsika koma limachotsa ndalama zambiri. Akatswiri a zapamwamba ayenera kuzindikira maulamuliro onse aŵiriwo kusankha amene amachepetsa msonkho wawo pamene akuyang'anizana ndi zolinga zawo za ndalama.

Pansi pa ulamuliro wakale, mungapereke ndalama zoyambira pa 5% pa Khalek 80C (kufikira 761.5 lakh), 80D (malipiro a maphunziro), 80E (chiwongola dzanja), ndi zina. Boma latsopano, loyambitsidwa mu 2020 ndi kukonzedwanso mu 2023, limapereka ziŵerengero zoyambira pa 5% za ndalama zoyambira 76 lakh (ndi inshuwalansi) ndi 30% pa ndalama zopezedwa kuposa 76 lakh, koma mutaya ndalama zambiri. Kwa katswiri wachichepere wokhala ndi ndalama zoikitsa ndalama zoyambirira, boma latsopano lingakhale lopepuka, koma ngati muli kale wogwiritsira ntchito zida zosungira msonkho, boma lakale limasunga ndalama zambiri.

Mbali ina yovuta ndiyo kuzindikira malo anu a msonkho . Monga katswiri wachichepere wogwira ntchito ku India, inu mothekera muli nzika. Komabe, ngati musamukira kunja kukagwira ntchito kapena kuphunzira, mungakhale wosakhala wotsogolera, ndi kusintha kwa msonkho wanu. Nthaŵi zonse tsimikizirani mkhalidwe wanu chaka chirichonse wa ndalama kupeŵa chilango.

Kupereka Msonkho Kwaudindo kwa Achinyamata

Kulinganiza misonkho kwachipambano sikuli kuthaŵa kwa kulephera kwa lamulo kwa kuchepetsa zopinga zanu mwa kugwiritsira ntchito makonzedwe a Inhome Taxis Act. Pansipa pali njira zopitira patsogolo, iliyonse ikumalongosoledwa ndi tsatanetsatane wogwira ntchito.

Chigawo Chachikulu 80C: Chitseko Chanu Choyambirira cha Chipale chofeŵa

Chigawo 80C chilola kuchepetsedwa kwa ndalama zonse zimene mumalandira 761.5 lakh. Achinyamata aluso ayenera kugwiritsa ntchito zimenezi mopindulitsa kwambiri posankha zipangizo zimene zimasunga ndalama za msonkho komanso zowonjezera ndalama.

  • Place Placent Fund (PPF): A kanthaŵi kotalika, boma locked jock ndi lock ya zaka 15. Chikondwerero nchaulere. Chiyeneretso cha kukonzekera ntchito yapadesiki.
  • Kusunga Kogwirizana Kogwirizana Kogwirizana ndi Kulinganiza (ELS): Ndalama za Muno ndi lock-in ya zaka zitatu. Iwo amapereka kuthekera kwa zobwezedwa zowonjezereka ndi kuyenerera kaamba ka Gawo 80C. Sankhani mapulani achindunji ndi cholembera chabwino cha mzera.
  • `Trask Satifiketi ya Kupulumutsa ya Dziko): Chiŵiya choikidwiratu cholandira ndi zaka 5. Chikondwerero nchoyenera kukhometsedwa koma nchoyenerera kuikizidwa.
  • Employee Planty Fund (EPF): [[FT:1] Ndalama zanu za EPF (kufikira 12% ya malipiro aakulu) zimayenerera 80C. Ngati bwana wanu apereka modzifunira PF, mungawonjezere ndalama zanu.
  • Inshuwalansi ya moyo: Ma Premium olipiridwa kaamba ka inshuwalansi ya moyo wanu (kapena mkazi kapena ana) ali oyenerera. Komabe, tsimikizirani kuti ndalamazo ndizo ndalama zokwana pafupifupi nthaŵi 10 zopitira pa chaka kuti mupeŵe msonkho pa ndalama zimene mwapeza atakula.
  • [[FLT: 0] Chivomezo: Fees zolipiridwa kaamba ka maphunziro anthaŵi yonse kwa ana aŵiri zimachotsedwa pa 80C (kuwonjezera ndalama zilizonse zopangira kapena zopereka).

Ipi: [1] Musadikire kufikira March kuti muike ndalama. Muyambe kugwiritsa ntchito njira za SIP mwezi ndi mwezi mu ELS kapena muthandize kuti PPF isatengeke msanga kuti ipeŵe kuthamanga kwa mphindi zotsala ndi kupindula ndi kuwonjezera.

2. Gawo la Kupalasa la 80D la Inshuwalansi ya Zaumoyo

Inshuwalansi ya thanzi si yamwadzidzidzi yokha . Pansi pa chigawo cha 80D, mungapereke ndalama zolipiridwa kwa inu nokha, mnzanu wa muukwati, ndi ana odalira pa inu. Kwa makolo (ngati nzika zokulirapo), malire ndi 760,000. Kuphatikiza, wachichepere waukatswiri angachotse ndalama za msonkho 765,000 mwa kubisa zonse ziŵiri. Akatswiri ambiri amanyalanyaza zimenezi, koma ndi njira yosavuta yosungira msonkho pamene kulipirira thanzi.

Kumanga Nyumba ndi Malo Oyenera (HRA)

Ngati ndinu wolembedwa ntchito wolembedwa ntchito wokhala m’nyumba ya lendi, HRA yanu imaloledwa pang'ono kapena yokwanira pansi pa Chigawo 10(13A). Kuchotsedwako ndi kuchepa kwa ziŵerengero zitatu zotsatirazi:

  1. HRA yeniyeni yolandiridwa
  2. 50% ya malipiro anu aakulu (ngati muli m’mizinda ya metro) kapena 40% (osagwira ntchito)
  3. Lendi ya ndalama yapanyumba yolipiridwa ndalama zochepera 10%

Kuti munene kuti HRA, muyenera kukhala ndi malisiti a lendi ndi ma kapalensi ya mwini nyumba ngati lendi ya pachaka iposa 761 lakh. Ngati mumakhala ndi makolo ndi kuwalipira lendi, mukhozabe kunena kuti HRA ikhoza kukupatsani pangano lalamulo la lendi ndi malisiti, ndipo makolo anu amalengeza ndalama za lendiyo m'malipiro awo a msonkho. Komabe, tsimikizirani kuti lendiyo ili yabwino ndi ya malingana ndi ya malonda.

4. Konzani Zomwe Mudzagulitsira

Kuposa pa HRA, zinthu zina zimene mumalandira zikhoza kupangidwa kuti muchepetse msonkho.

  • Conveyance Linkdance: Mapeto kufika 76,600 pa mwezi (NYAKA 1,200 pachaka) kaamba ka zowonongedwa. Olemba ntchito ambiri amaiphatikiza monga chilolezo choyenerera.
  • Inkinsict: [[FLT :1] Pambuyo pake kuchotsa koikidwiratu 765,000 kunalipo, koma tsopano ndi mbali ya kuchepetsa kwa lamulo kwa ndalama zokwanira 760,000 pa malipiro (operekedwa ku Bajeti 2018). Ndalama zoikizidwa zoikizidwazo zilipo kwa antchito onse olembedwa ntchito mosasamala kanthu za ndalama zenizeni za mankhwala.
  • [[FLT: 0] Sipani Ololera (LTA): Kusoŵa ndalama zoyendera panyumba (moyo, sitima, kapena basi) kwa inu ndi banja lanu. Izi zingaperekedwe kaŵiri m'chidutswa cha zaka zinayi. Sungani mapepala ndi matikiti.
  • Meal Coaps / Sodexo: Yoperekedwa ndi olemba ntchito ena, imeneyi imachotsedwa kufika 7650 pachakudya (kugonjera ku malire). Amachepetsa malipiro anu a msonkho popanda kusokoneza kuyenda kwa ndalama.
  • Car / Driver Linkdance: Ngati bwana wanu akupatsani galimoto kuti igwiritsiridwe ntchito mwalamulo, mtengo wa persuisite ndi wotsika, koma mukhozanso kufuna ndalama zolipirira ngati mugwiritsira ntchito galimoto yanuyanu pantchito.

Nkofunika: Musapereke ndalama zowonjezereka popanda kulipira kwenikweni. Dipatimenti ya msonkho imapenda mowonjezereka ndalama za HRA popanda lendi yolingana, ndi marendi aakulu osalingalirika.

Musamapereke Msonkho Watsopano ku Malamulo Othandiza Anthu Akale

Boma latsopano la msonkho (lotsatirapo kuyambira 2023-24) limapereka ndalama zotsika za msonkho koma limachotsa ndalama zambiri. Kwa wachichepere wokhala ndi ndalama zambiri kufikira 76.5.9 lakh, boma latsopano lingakhale lopindulitsa chifukwa cha Rebate pansi pa Gawo 87A (kupanda msonkho wa 76 lakh). Komabe, ngati muli ndi ndalama zochepetsedwa (PF, ELS, HRA, chowolowa chapanyumba, ndi zinanso), boma lakale lingapulumutsebe. Gwiritsani ntchito pulogalamu ya msonkho pa webusaiti ya Msonkhaleyo [[FL:] Kulanditsa Msonkhate wa M'ATCH kuyerekezera ndi maulamuliro onse aŵiri chaka chilichonse.

Komabe, pambuyo pa zaka zotsatira mukhoza kusiya bomalo kusiyapo ngati muli mwini bizinesi.

6. Kusunga Ndalama m’Malamulo Ofuna Kupereka Msonkho

Malo osungidwa a zaka zisanu (FD) ndi mabanki ndi mapositi ofesi amayenerera kaamba ka Chigawo 80C. Iwo amapereka chiwongola chotsimikizirika, koma chiwongola dzanja chopezedwa chiri chokhoza kulipira monga pa siteshoni iliyonse ya ndalama zanu. Odziŵa FD m'gulu laling'ono la msonkho angapeze FD kukhala othandiza pa zonulirapo zapafupi ndi apambuyo pake, koma ELSS kapena PPF kaŵirikaŵiri amapereka zobwezedwa zabwinopo. Gwiritsirani FDs kokha ngati muli ndi upandu ndi deti lotsimikizirika.

Kusankha Zochita za Maphunziro

Ngati munatenga ngongole ya maphunziro apamwamba (kwa inu eni, mnzanu wa muukwati, kapena ana), chiwongola dzanja chimene chaperekedwa pangongole imeneyo sichingakhozeke pa Gawo la 80E lopanda malire apamwamba. Ndalama zolipiridwazo zilipo kwa zaka zisanu ndi zitatu kuyambira chaka chimene muyamba kulipira mkulu wa mamembala. Zimenezi ndi phindu lalikulu kwa akatswiri achinyamata amene amaliza maphunziro awo posachedwapa. Ngakhale ngati simuli wophunzira (m’chitsanzo, munatenga ngongole kwa mbale wanu) ngati ndinu wokongolayo.

8. Mapindu a Panyumba

Ngati muli ndi nyumba ndipo mulipirira ngongole, munganene kuti:

  • [[MFUNDO] Kubwezera: [[FULT:1] Pansi pa chigawo 80C (kufikira 761.5 lakh).
  • Ndalama zolipidwa kwambiri pa malo odzisamalira okha: Kugawira 762 lakh pansi pa Chigawo 24(b). Pa katundu wotsala, chiwongola dzanja chonse chimachotsedwa (monga ku mikhalidwe ina).
  • Wogula panyumba woyamba amapindula: Nkhaŵa yowonjezereka ya chiwongola dzanja cha 761.5 lakh pa ngongole ya panyumba yogulidwa ku PNG45 lakh (Ubatizo 80EA). Imeneyi imapezeka kokha kaamba ka ngongole zoperekedwa mu FY 2019-20.

Koma ngati muli ndi nyumba ina yopanda anthu, mukhoza kulipira ndalama zochepa kwambiri.

Maluso Opita Patsogolo ndi Zopereka Zowonjezereka

Kuwonjezera pa ndalama zimene anthu ambiri amagwiritsa ntchito polipira msonkho, pali zinthu zina zimene sizidziwika zimene zingakuthandizeni kuchepetsako msonkho:

Zopereka ku Charitable Institutions (Chithandizo cha 80G)

Zopereka ku mabungwe othandiza mabungwe ovomerezedwa n’zoyenera kuchepetsedwa 50% kapena 100% ya ndalama zoperekedwa, zoikizidwa (kaŵirikaŵiri 10% ya ndalama zosinthidwa). Zikutsimikizira kuti mumalandira lisiti yovomerezeka ndi nambala 80G. Kwa achinyamata, ngakhale zopereka zochepa kuti athandize kuchirikiza zinthu zimenezi zingawonjezeredwe.

. . National Pension System (NPS) – Chigawo 80CCD

NPS imaperekanso zochepetsedwa zina zokwana 760,000 pa chigawo 80CCD (1B) mobwerezabwereza mlingo wa 801.5 lakh . Ndalama zimene abwana anu amapereka ku NPS (kufikira 10% ya malipiro aakulu) zimachotsedwanso pansi pa chigawo 80CCD (2) ndipo siziphatikizidwa pa mlingo wa 80C. NPS ndi ndalama yotsika yoikizira ntchito ya ntchito, ngakhale kuti ili ndi lock in mpaka zaka 60. Akatswiri achichepere okhala ndi madzulo kwa nthaŵi yaitali angapindule ndi kusungidwa kwa makompyuta ndi kusungidwa kwa msonkho.

c. Chikondwerero cha Kusungidwa kwa Mbiri ndi Zoikidwiratu Zoikidwa

Chigawo 80TTA chimapereka chiwongola dzanja cha anthu okwana 76100,000 pa ndalama zimene apeza kuchokera ku maakaunti a ndalama (maofesi a kampani kapena banki). Kwa anthu a zaka 60 ndi pamwamba pa , Gawo 80TT TB limapereka malire a 760,000. Koma kwa achinyamata, ndalama zimene amalipira 7,000 100,000 zimanyalanyazidwa kaŵirikaŵiri .

d. Zochokera ku Magwero Ena – Likulu Mapindu

Ngati muika ndalama pa makampani kapena ndalama ziŵiri, mungakhale ndi chipambano cha kanthaŵi kochepa kapena cha nthaŵi yaitali. Kupindula kwa kanthaŵi kochepa kwa malikulu (kupezedwa kuti ndi kwa miyezi yosakwanira 12) kumakhomedwa msonkho pa 15%. Zomwe zimachitika pa nyengo yaitali kuposa 031 lakh zasungidwa pa 10% popanda kutsimikizira. Masheya-losi amatuta . Kutsatsa malonda osatsa malonda kuti apeze phindu la /kuchepetsani liŵo. Komabe, suyenera kusamala malamulo a nyengo ndi misonkhozo yogulitsa.

Zolakwa Zimene Achinyamata Akatswiri Amalakwitsa Popereka Msonkho

Ngakhale kuti anthu ambiri amakhala ndi zolinga zabwino, amagwera mumsampha umene umachepetsa ndalama zimene amasunga kapena kuonetsetsa kuti akulakwitsa zinthu izi:

  • Kuyembekezera kufikira March kudzasunga ndalama: Kawirikawiri kuikiza ndalama zambiri kumaphatikizapo kusankha molakwa (m' lekuatiso, kugula zinthu za inshuwalansi zimene simukufunikira) kapena kuphonya mipata ya zoikizira ndalama.
  • Simusunga umboni wokwanira: Ngakhale ngati mwasunga bwino, mufunikira malisiti, zikalata, ndi zikalata. Kutayidwa kwake kungachotse ndalama zimene mukufufuza. Sunganibe chikalata cha manambala cha mapepala onse a msonkho.
  • Kukana malipiro a kumasuka kapena magigi ambali: Ngati mupeza ndalama kuchokera ku ntchito yaulere, kuyenera kulengezedwa. Mukhoza kulipira ndalama za bizinesi motsutsana ndi ndalamazo, komanso kulipira msonkho wa pasadakhale ngati mukhometsa msonkho wonsewo uposa 760,000. Kulephera kuchita zimenezo kumakopa chiwongola dzanja pansi pa Gawo 234 B ndi 234C.
  • Kuyang'anira TDS pa malipiro: Kutsimikizira abwana anu kuchotsa ma TDS . Ngati muli ndi magwero ambiri a ndalama, mafaelo 12B kupereka zitsimikiziro za kuikizira panthaŵi yake. Pansi pa kampani yoperekera msonkho amatsogolera ku msonkho waukulu pa kusungitsa, pamene kuli kwakuti kuwonjezera ndalama zanu kumawonjezera ndalama mosafunikira.
  • [[FLT: 0] Kusankha boma la msonkho lolakwika popanda kuŵerengera: Akatswiri ena amasankha mosadziŵa boma latsopano chifukwa cha kutsika kwa ndalama koma kulephera pa mapereŵera aakulu. Nthaŵi zonse amaŵerengera maulamuliro onse aŵiri pogwiritsa ntchito ndandanda ya msonkho wa akuluakulu a boma .
  • Kusakonza zobwezera ngakhale ngati malipiro ali otsika mtengo: Kubweza (ITR) kuli kopindulitsa kutchula zobwezera za TDS, kukhazikitsa mbiri ya zachuma kaamba ka zifunsiro za loni, ndi kutayikiridwa patsogolo. Ngakhale ngati ndalama zanu zili pansi pa malire a kusakhoma, mafaelo mwaufulu.

Kulinganiza Msonkho Kuyang’aniridwa ndi Zolinga Zandalama

Kulinganiza msonkho sikuyenera kukhala ntchito yokha. Iyenera kugwirizana ndi mapulani anu a zachuma. Mwachitsanzo, chonulirapo chanu cha nthaŵi yaifupi (kutenga tchuthi m’zaka ziŵiri) chingayendetsedwe ndi ndalama zosungidwa mobwerezabwereza, pamene kuli kwakuti chonulirapo chanu cha masiku ambiri opuma pantchito chimagwirizana ndi PPF kapena NPS. Gwiritsani ntchito njira zotsatirazi:

  • [[FLT: 0] Sundation Fund: Kusunga miyezi 3-6 ya zowonongedwa m'thumba kapena akhawunti ya banki. Chikondwerero nchoyenera kukhoma msonkho, koma kutha kwa madzi ndiko kofunika kwambiri.
  • Inshuwalansi:[[FLT :1] Kutsimikizira thanzi lokwanira ndi nthaŵi ya inshuwalansi ya moyo (ya odalira odalira) musanaike ndalama za msonkho. Musagule malamulo a inshuwalansi kokha kaamba ka ndalama za msonkho ngati sizikufunikira.
  • Kuwonjezera: Max EPF, PPF, ndi NPS zopereka. Pamene muyamba poyamba, mumapindula kwambiri ndi kuwonjezera ndi kukula kwaulere.
  • Kuika ndalama zochokera ku goal: Gwiritsirani ELS ntchito pa zolinga zapakati (zaka 3-5) ndi PPF kwa nthaŵi yaitali.

Kupititsa Msonkho Wanu: Kapendedwe Kake

Mutakonza, kukonza zobwerera ndi sitepe lomaliza. Achinyamata ambiri angagwiritse ntchito TR-1 (Sahj) . kupanga ngati ali ndi malipiro, nyumba imodzi, ndi ndalama kuchokera ku zinthu zina (pa 7650 lakh). Pa kupata kwa malikulu kapena zinthu zambiri za nyumba, gwiritsani ntchito ITR-2. Malo a pa Intaneti kudzera pa Inbos the Tax e-filfilting.

  1. Mukhoza kugula ndalama zimene munapeza ku banki.
  2. Tsimikizirani mathayo onse a TD kuchokera ku Mafomu 26AS ndi AIS (Chikalata Chofotokoza za Chidziŵitso cha Anual).
  3. Uzani bwino ndalama zimene mwaika m’zamalonda.
  4. Muuzeni kuti mubwererenso m’masiku 30 pogwiritsira ntchito Aadhaar OTP, banki ya ukonde, kapena njira zina.

Ngati mwazindikira kuti mwalakwitsa, mungalembenso chinthu china chimene chabwerera m’chaka chimene munachita (chomwe nthaŵi zambiri chimafika pa December 31 m’chaka chandalama chotsatira).

Kumaliza

Kulinganiza msonkho kwa achichepere mu India sikuli kokha kusungitsa zikwi zingapo za rupees . kulikuyambitsa chizoloŵezi cha kusungitsa ndi kusungitsa. Mwa kuyendetsa Gawo 80C, 80D, 24(b), ndi zogaŵira zina, mungachepetse msonkho wanu pamene mukumanga kavalo wa mtsogolo mwanu. Mfungulo ndiyo kuyamba mwamsanga, kupenda ma vs. Ulamuliro watsopano chaka chilichonse, kusunga zolemba zolondola, ndi kupeŵa njira zotsalira. Pomalizira pake, lingalirani za kwa kapitawole [[FLT:] kapena wolembetsa ndalama za . Ngati mkhalidwe wanu wa ndalama ukhala wocholoŵa m’ka. Ndi njira yowongosintha, mungatembenuze ndalama kukhala chida champhamvu.