Kuzindikira Msonkho wa Msonkho ku India

Kupuma pantchito kumadzetsa masinthidwe aakulu pa moyo wa munthu wa zachuma, ndipo kuzindikira mmene ndalama za penshoni zimapindulidwira kuli kofunika kwa wopuma pantchito aliyense ku India. Chidziŵitso choyenera sichimangotsimikizira kuti atsatira lamulo la Inhome Taxis komanso chimathandiza kulinganiza bwino ndalama za msonkho, kutheketsa kukonzekera bwino pambuyo pa chaka cha 2025-26 chamalipiro a ndalama za ndalama, kukonzanso kwaposachedwapa kwa misonkho ndi kusaipiritsa kukuchititsa kukhaladi kowopsa kwambiri kuti munthu adziŵe.

Ndalama zolandira ndalama ku India zingachokere ku zinthu zosiyanasiyana . . boma, ntchito yaumwini, kapena ngakhale ndalama za penshoni ya kumaiko ena zobwerera ku NRI . Pamene kuli kwakuti malamulo aakuluwo akukhalabe ofanana, masinthidwe akuya ndi mtundu wa penshoni (ma v. osaphatikizidwa), mtundu wa ndalama za penshoni, ndi malo okhala a wopuma pantchito. Nkhaniyi imakhudza zonse kuchokera pa kugaŵa wa ndalama za penshoni ku kubwerera, kusasuta, ndi njira zosungira msonkho za chaka cha 2025 - 26.

Ku India Kubwera Mitundu ya Kupuma

Kulipira ndalama za penshoni ndi malipiro anthaŵi zonse a munthu amene wapuma pantchito kapena ndalama za penshoni. Pansi pa malamulo a msonkho wa ku India, penshoni imaonedwa ngati “ndalama” ngati imalandira kwa munthu wakale wolemba ntchito, koma misonkho imasiyana chifukwa cha kuchotsedwa ntchito ndi kuchuluka kwa mbali zake. Magawo aŵiri ndi:

  • Peniyo yosafunika: Malipiro a pa mwezi kapena apachaka olandiridwa pambuyo pa kuleka ntchito. Izi n’zofunika kwambiri monga “ndalama" pansi pa mutu “Malipidwe a Sayansi."
  • Peniyo yoikizidwa: Ndalama ya mphindi ya penshoni ya m'tsogolo. Kulipira kwa penshoni yobwezeredwa kumadalira kaya wopumayo ali wolembedwa ntchito ya boma kapena wantchito wosakhala wa boma.

Kuwonjezerapo, ndalama za penshoni zingatulutsidwe kuchokera ku:

  • [[FLT: 0] Pekoti ya Gawo: Passpact posss paunit accuptions centrent , antchito a boma, ndi ntchito za boma. Opasewera kotheratu pa msonkho ngati adasintha (pa chigawo 10(10A) kwa antchito a boma).
  • Peniyo ya Kagulu Kampatuko: Ilandiridwa ndi makampani aumwini, kaŵirikaŵiri kupyolera mwa ndalama zodziŵika za ndalama za articers kapena ndalama zapamwamba. Ikhoza kukhometsa msonkho pansi pa malamulo oyenerera.
  • Banja: [[FLT: 1] Malipidwe kwa mkazi kapena mkazi wa wolembedwa ntchito wakufa. Msonkho pansi pa mutu “Kuchokera ku Mabuku Ena,” ndi ndalama zochepetsedwa za desiki 1 /3 kapena 765,000, zimene ziri zochepera.
  • Mphoto ku India chifukwa cha malo okhala ndi Mapikica Aŵiri Oletsa Kupereka Msonkho (DATAA).

Kukhometsa Msonkho Pansi pa Lamulo la Msonkho

Pansi pa Inhome Tax Act, 1961, ndalama zopezedwa pamalipiro a penshoni zimaphatikizidwa m'zochitika zonse ndi kukhoma msonkho malinga ndi ndalama zoyenerera za msonkho. Malamulo aakulu ndi akuti:

  • [[ML:0] Kumasulira 17(ii): imatanthauzira penshoni monga mbali ya “ndalama” ya antchito.
  • Kusanthula 10(10A): Kugawira kusachitapo kanthu pa ndalama za penshoni yogulitsidwa pansi pa mikhalidwe ina.
  • Kusintha 56: Kusamalira ndalama zapansi ya banja monga “Kuchokera ku Malo Ena."

Kwa chaka chandalama 2025-26 (Chaka cha 2026-27), boma lakhazikitsa boma latsopano la msonkho pansi pa Gawo 115BAC monga njira yosapeŵeka. Komabe, opuma pantchito angasankhebe boma lakale ngati kuli kopindulitsa kwambiri. Kumvetsetsa kusiyanako nkofunika kwambiri.

Kupereka Msonkho Kwatsopano Kutsutsana ndi Msonkho Wakale wa Opuma Pa ntchito

Boma latsopanoli limapereka msonkho wotsika koma limachepetsa ndalama zambiri zimene anthu amachotsa pa ntchito ndiponso zimene amachepetsa.

  • Kudyetsedwa Kokwanira: Mu ulamuliro watsopano, kuchepetsedwa kwapadera kwa ndalama za penshoni kwa 760,000 kumakhalapo kokha kwa awo amene amapitirizabe kulandira penshoni kuchokera kwa wolemba ntchito wakale. Kwa banja, ndalama zotsala za penshoni zitsala 7615,000 kapena 1/3.
  • Kuika mazira 80C, 80D, ndi zina zotero.: Pansi pa boma latsopano, zochepetsedwa zonga PPF, LIC, ELS, ndi ndalama zopindulira za inshuwalansi ya zaumoyo siziloledwa. Opuma pantchito amene achita kuikizira ndalama zimenezi angaone kuti boma lakalelo nlopindulitsa kwambiri.
  • Kuwonjoledwa pa Peniyo yoperekedwa : Kusasuta pansi pa Chigawo 10(10A) kulipo m'maulamuliro onse aŵiri, popeza kuti kuli kuchotsa, osati kuchepetsa.
  • .Tax Slabs (Nkhani Yatsopano ya FY 2025-26): Kufikira 763,400,000 – nil; 763,001 mpaka 76,00,001 – 76,500,000 – 5%; 76,001 ku 76,00,00%; 100% 76,00% 76,00 mpaka 76,00%; 100% kuposa 76,00%,00%,00% .
  • Old Regime Slabs : Kufikira 762,50 – nil; 762,001 mpaka 765,50 – 5%; 765,00,001 mpaka 7610,00 – 20%; pamwamba 7610,00 – 30%.

Anthu amene apuma pantchito ayenera kuŵerengera msonkho pa maulamuliro onse aŵiri chaka chilichonse kuti asankhe msonkho wotsikawo.

Kupereka Msonkho Molongosoka ndi Udindo Wosadziŵika

Malamulo Operekedwa Mokakamiza

Munthu akapuma pantchito amapatsidwa ndalama zambiri za penshoni.

  • Olembedwa ndi boma: Penshoni yoperekedwa ya boma imachotsedwa kotheratu pa msonkho pansi pa chigawo 10(10A)(i). Zimenezi zimaphatikizapo antchito a boma, antchito a boma, a chitetezo, ndi antchito a akuluakulu a boma.
  • Olembedwa ntchito a boma: Ngati wolembedwayo alandira ulemu, ndipo 50% ya penshoni ya palesitaimu yachotsedwa. Ngati salandira ndalama, pamenepo ngakhale 50% ya penshoni yopansi yotsala siikuloledwa , mmalo mwake, 1 /3rd ya mtengo wa ndalama zotsala ndi imene imachotsedwa. Ndalama yotsalayo imaikidwa pa malamulo a ndalama zothandizira kapena ndalama zothandizira anthu.

N’kofunika kwambiri kudziŵa kuti ndalama zopuma pantchito zogulitsidwa pa ndalama za penshoni zimene munthu walandira m’thumba limene sakuzidziŵa n’zokhoma msonkho wambiri.

Kupatsidwa Msonkho Kosafunidwa – Kukhozedwa Msonkho Wokwanira

Penshoni yosagulitsidwa mwezi uliwonse (penshoni) yolandiridwa ndi munthu aliyense wopuma pantchito . . "Ili ndi malipiro okwanira ngati." Sipakhala ndalama za penshoni za apansi pa nthaŵi ndi nthaŵi. Komabe, ndalama zokwanira zokwanira 760,000 kwa anthu opuma pantchito (ngati salandira kale malipiro) zimaloledwa pansi pa boma lakale. Pansi pa boma latsopano, ndalama zoikizidwa zofunika zimapezedwa kokha ngati munthu ali “wandalama".

Ndalama zapansi za banja zolipiridwa kwa mkazi kapena ana pambuyo pa imfa ya wolembedwa ntchitoyo ziri zokhometsedwa pa “Kuchokera ku Mabuku Ena” ndi kuchepetsedwa koyenerera kwa 1 / 3 la penshoni kapena 765,000, imene ili yocheperapo.

Kupereka Msonkho ndi Kuzunza Opuma Pa ntchito

Kuwonjezera pa kupuma pantchito yopuma pantchito, anthu amene amapuma pantchito angapereke ndalama zingapo zochepetsera ndalama zimene amapeza:

  • Kuchotsa kokwanira kwa 760,000: Kupezeka kwa opuma pa mpando wa madesiki pansi pa boma lakale (ndi ulamuliro watsopano wokhala ndi mikhalidwe).
  • Kusankha 80C (kufikira 761,500,000): Kulowa m'zoloŵa za m'makampani mu PPF, malipo a inshuwalansi ya moyo, DES, NSC, ndi zinanso. Kusapezeka pansi pa boma latsopano.
  • Kuchotsa 80D (kufikira 7625,000 kufikira 7650,000): [ Malipire a inshuwalansi ya umoyo kaamba ka iweyo ndi mkazi wako. Nzika zachikulire zimalandiridwa ndalama zowonjezereka za 760,000 (boma lakale lokha).
  • Kuchotsa 80TTTB (kufikira 760,000): kwa nzika zokalamba (pakali pa 60+) ndi nzika zazikulu (80+), ndalama za chiwongola dzanja kuchokera ku zoikizira zimachotsedwa kufikira 760,000 pansi pa ulamuliro wakale.
  • Kusankha 80TTA (kufikira 760,000): kaamba ka chiwongola dzanja pa ndalama za anthu omwe ali pansi pa zaka 60.
  • [[ML:0] Kumasulira 80G: Zopereka ku mabungwe othandizira osoŵa.
  • Kusankha 80E: Chiwongola dzanja pa ngongole za maphunziro apamwamba.
  • Kuthandiza kwa Akhirdenti (Kuchotsa 80DD, 80DDB): Kupezeka kaamba ka zowonongedwa zamankhwala kwa anthu opunduka ndi matenda odziŵika.

Opuma pantchito amene amasankha boma latsopano la msonkho (loyamba kuyambira 2023 mpaka 24) satha kulipira ndalama zimenezi. Komabe, boma latsopanoli limapereka ndalama zotsika ndipo lingakhale lopindulitsa kwa anthu amene sawononga ndalama zambiri.

Kulipira Msonkho (ITR) kwa Opuma Pa ntchito

Munthu aliyense amene wapuma pantchito amene ndalama zake zonse zikupitirira malire ake a kumasuka ayenera kulemba ndalama zobwezetsera msonkho (ITR). Ngakhale ngati msonkho ulibe ndalama zoyendetsera ndalama zimene walandira, angafunikire kulipira ndalama zogulira TDS kapena kupititsa patsogolo zinthu zimene wataya. Masitepe ofunika kwa anthu opuma pantchito:

  • Mpangidwe wa: Opaleshoni ambiri okhala ndi penshoni yokha ndi ndalama za chiwongola dzanja ayenera kugwiritsira ntchito ITR-1 (Sahaj) ngati ndalama zili 7650 lakh ndi pa malipiro /pensantion, nyumba imodzi, ndi magwero ena. Ngati ali ndi ndalama zamalikulu kapena chuma chachilendo, gwiritsirani ntchito ITR-2 kapena ITR-3.
  • Fm 16 ndi Fm 16A: [[FLT :1] Opuma pantchito amapatsidwa Phunzilo 16 kuchokera kwa amene anali wowalemba ntchito ngati msonkho unachotsedwa pa magwero a (TDS) pa ndalama za penshoni. Kwa chiwongola dzanja cha FD, angapeze Pram 16A kuchokera ku banki.
  • [[FLT: 0] Kupitira Kufa Konse: Kwenikweni July 31 wa chaka choŵerengera (m., July 31, 2025 kaamba ka FY 2024-25). Komabe, chifukwa cha kuwonjezera, nkwanzeru kujambula koyambirira.
  • Chithunzi: Gwiritsirani ntchito yopereka msonkho wa boma pa dokopo ndi (www.incometak.gov.in). Mabanki ambiri ndi makhonde achinsinsi amathandizanso.
  • Mapindu a Nzika Zachikulire: Nzika zachikulire (60+) zimaloledwa kusalemba ngati ndalama zawo zonse zili pansi pa malire aakulu a kusakhoma ndipo alibe ndalama zina zopitira msonkho. Komabe, mafaelo ena aakulu a TDS akupempha kuti abwezere.

Kuti athandizidwe, a m’Dipatimenti ya Ndalama za Msonkho amapereka thandizo, ndipo malo ambiri ochezera pa Intaneti monga ClaireTax ndi Taxi2Win amapereka mapepala opeputsira ndalama za penshoni.

Zolakwa Zofala Zofunika Kupewa Pamene Tikudzimwetsa

  • Osapereka chiwongola dzanja ku banki kapena ku ma FD ngakhale ngati TDS sinachotsedwe.
  • Kuiŵala kuchepetsako kapena kuchepetsa ndalama zimene mukulandira m’Chigawo Cha 80TT TB.
  • Kulemba malipoti olakwika olembedwa pa ndalama za penshoni kunatsika mtengo wonse monga wokhometsa msonkho popanda kupempha kuti munthu asamuke.
  • Posatsimikizira mtundu wa 26as ndi malisiti enieni a penshoni.
  • Kusankha ulamuliro wa msonkho wolakwika (wokalamba wa makontena. watsopano) popanda kuŵerengera koyenera.

Nkhani Zapadera: Kumangidwa ndi Banja Lanu Ndiponso Kupita Kunja

Kupereka Msonkho kwa Banja

Penshoni ya banja imaperekedwa kwa munthu (kaŵirikaŵiri mkazi kapena mwana) pambuyo pa imfa ya wopuma pantchito. Ili yovomerezeka pansi pa “Kuchokera ku Mabwinja Ena.” Kupereka msonkho kumaphatikizapo:

  • [[FLT: 0] Kudyetsedwa kochepa: [[FT:1] Ndodo yandalama ya 7615,000 kapena 1/3 ya ndalama za penshoni ya banja, iliyonse imene ili yotsika, imaloledwa. Ndalama zapamwamba zimenezi n’zopezeka ponse paŵiri m’mabungwe akale ndi atsopano a misonkho.
  • Palibenso kusafuna kulowa m'zipatala: Palibe desiki lochepetsedwa pansi pa Gawo 80C pa kuikizira ndalama zopangidwa ndi ndalama zapansi ya banja. Wolandira angapereke ndalama zina zochepetsedwa (80D, 80G, etc.) ngati ali woyenerera.
  • [Kulandira: 0] Wolandira ayenera kupereka ndalama zandalama za banja pansi pa ndandanda OS mu ITR.

Kupatsidwa Mlandu wa Amwenye Ochokera Kunja ndi Kubwereranso

Olandira ndalama za penshoni kwa abwana awo kapena boma lachilendo angakhomereze msonkho ku India malinga ndi malo awo okhala. Pansi pa DTAA, ndalama za penshoni kaŵirikaŵiri zimagulitsidwa kokha m’dziko lakukhalamo. Komabe, ngati NRI ibwerera ku India ndi kukhala nzika, ndalama za penshonizo zimakhala zolipiridwa ku India, ndipo ngongole ya msonkho ya kumaiko akunja ingaperekedwe.

Mwachitsanzo, bungwe loona za ndalama zoyendera anthu a ku United States lolandira ndalama zoyendera pa ntchito ya boma ku India, likhoza kulipira msonkho ku India ndipo chigawo cha 80RB chingalembetse kuti lizilandira ndalama zoyendera pa ntchito.

Mafotokozedwe ambiri pa makonzedwe a DTAA angapezeke pa Department ya TchaA [Tsiku la DTAA [1] ndi pa chitsogozo cha chotseratu cha penshoni ya dziko lina.

Mabungwe Opereka Msonkho kwa Opuma Pantchito mu 2025 - 26

Kutsimikizira msonkho pa ndalama za penshoni kumafuna nthaŵi, kuikizira ndalama, ndi kusankha maulamuliro.

Kuŵerengera Msonkho wa Munthu Wopuma Pantchito Waukalamba (FY 2025 - 26)

Yerekezerani ndi munthu wopuma pantchito wazaka 65:

  • Ndalama zopuma pa mwezi: 760,000 (763,600,000 pachaka)
  • Chikondwerero cha SCS: 761,0,000
  • Chiwongola dzanja cha ndalama zosungidwa: 76100,000
  • Malipiro a inshuwalansi ya zamankhwala (yekha): 7625,000
  • Kusunga ndalama m’PPF: 761,500,000

[[ML:0] Kale Regime Claudial:

  • Malipiro ochuluka: 764,70,000 (chiwongola dzanja +)
  • Malipiro a pa kayendetsedwe ka ndalama za penshoni: 760,000 pa ndalama za penshoni
  • Chigawo 80TT TB chimachepetsedwa: 650,000 (okondwerera kufika ku 650,000)
  • Chigawo 80C: 761,500,000
  • Chigawo 80D: 7625,000
  • Ndalama zonse: 762,25,000
  • Ndalama zokhometsa msonkho wa nyukiliya: 762,45,000
  • Msonkho monga mwa miyala yakale: Nil (bakisili yosasunthika 762,500,000)

[[ML:0] New Regime Claudial:[[Kusintha:1]

  • Malipiro aakulu: 764,70,000
  • Malipiro a ndalama zoyendera: 6500,000
  • Malipiro a nkhonya: 764,200,000
  • Msonkho monga miyala yatsopano: Kufikira 763,500,000 nil; 763,001 mpaka 764,200,000 pa 5% = 6,000 ces = 76,1 astrox.

Mwachionekere, ulamuliro wakalewo ngwokomapo pankhaniyi. opuma pantchito ayenera kuchita ziŵerengero zofanana chaka chilichonse.

Malangizo Omaliza kwa Anthu Opuma Pamsonkho Wopereka Msonkho

Kuzindikira msonkho wa ndalama za penshoni kumapatsa mphamvu opuma pantchito kuti asunge ndalama zawo zowabera. Mwa kulinganiza bwino, kuzindikira kusaloŵetsedwa m’gulu, ndi kukonza za panthaŵi yake, zaka zachipambano zingakhaledi zopanda kupsinjika maganizo. Khalanibe ouzidwa, kukonzekera msanga, ndi kusangalala ndi mtendere wa zachuma.

Ku zitsogozo za boma, gwiritsirani ntchito [[FL:0] bukhu la operekera msonkho la opuma pantchito ndi laposachedwapa pa msonkho wa penshoni.