Kuzindikira Mapindu a Msonkho kwa Nzika Zachikulire ndi Opuma Pantchito ku India

Dongosolo la msonkho la India limapereka malamulo osiyanasiyana ndi kusaloledwa kwa nzika zokalamba ndi opuma pantchito. Makonzedwe ameneŵa amalinganiza kuchepetsa mtolo wa ndalama kwa okalamba, kulimbikitsa kusunga ndalama zanthaŵi yaitali, ndi kuchirikiza ndalama za mankhwala. Ndi kukwera kwa ndalama zaumoyo ndi kukwera kwa kukwera kwa mtengo kwa ndalama, kudziŵa mmene mapindu ameneŵa angawongolere kwambiri kukwera kwa ndalama. Nkhaniyi imapereka chitsogozo chodalirika cha mapindu a msonkho amene nzika za Aindiya zokulira zikhoza kupatsidwa (zaka 60 ndi pamwamba) ndi nzika zapamwamba koposa) ndi anthu achikulire (a zaka 80 ndi pamwambapo), kuphatikizapo zopimira, kulanditsa ndalama, kulanditsa ndalama, ndi makonzedwe apadera.

Kodi Ndani Amene Amayeneretsa Nzika Yachikulire Kaamba ka Zifuno za Msonkho?

Pankhani ya msonkho, mawu akuti munthu wamkulu akuimira zaka za chaka chomaliza cha ndalama.

  • Nzika yachikale: Munthu amene wafikira zaka 60 koma wosafikira zaka 80 m’chaka chapita.
  • Nzika yokulirapo: Munthu amene wafikira zaka 80 panthaŵi iriyonse mkati mwa chaka chapita.

Malamulo a zaka zino akusonyeza malire aakulu a kusakhoma, ndalama za msonkho, ndi ndalama zochepetsera ndalama.

Malire a Mtengo ndi Matola Apamwamba

Phindu lomveka kwa anthu okalamba ndilo malire aakulu oletsa kulipira msonkho. Pansi pa boma lakale la Assesss pa Chaka cha 202425 (Chaka cha Zachuma 20232424):

  • Nzika zokhala ndi nzika (zaka 60 mpaka 80): Chiyeso chokulira chopatula cha 763,400,000 (choyerekezeredwa ndi 76,500,000 kwa anthu ochepera 60).
  • Nzika zokalamba zaka 80 ndi pamwambapo): Mpata wa kuchotsa wokulirapo wa 76,00 000.

Malire a misonkho a anthu okalamba mu ulamuliro wakale ndi awa:

  • Ndalama za msonkho pa ndalama zimene anthu ofika pa 763,500,000 (zokwana 76,500,000 kwa nzika zokalamba) zimalipira ndalama zambiri.
  • 5% ya ndalama zimene amapeza pakati pa 763,00,001 ndi 765,500,000 (kwa nzika zokalamba; 765,001 mpaka 7610,500,000 kwa achikulire aakulu).
  • 20% ya ndalama zimene amapeza pakati pa 765,00,001 ndi 7610,500,000 (kwa anthu okalamba).
  • 30 peresenti ya ndalama zimene amapeza kuposa 7610,500,000.

Pansi pa ulamuliro watsopano wa msonkho (mwakutsatira kuchokera ku FY 202324), malire aakulu a anthu onse ngochepa 763,400,000, ndipo misonkho yatsika pa bungwelo. Komabe, boma latsopanolo limachotsa ndalama zambiri, kupangitsa kukhala kosapindulitsa kwa anthu amene apuma pantchito omwe asankha Chigawo 80C, 80D, 80TTTTT TB, ndi ena. Opuma pantchito ayenera kuyerekezera mosamala maulamuliro onse aŵiriwo asanasankhe.

Njira Yaikulu ya Kupuma Pantchito Pachigawo 80C

Chigawo 80C cha Lamulo la Thaifolo la Malamulo a Mtungo chimalola kuchepetsedwa kwa anthu 76,500,000 pa ndalama zoikizidwa ndi ndalama zoikizidwa.

  • Chiwongola dzanja Chosungira Malo (SCS): chimodzi cha ziŵiya zotchuka koposa zapambuyo pake. Deposit mpaka 76 lakh yoyenerera kaamba ka mlingo wa pansi pa Chigawo 80C. Chiŵerengero chamakono (Q1 FY202425) ndi 8.2% p.a, loperekedwa ndi chigawo chimodzi.
  • Plublic Placent Fund (PPF): Zopereka zofikira 76,500,000 pachaka nzosafunika. Chipambano chopezedwa ndi kukhwima kwa zotsatirapo n’zaufulu . Makalata a PPF angafutukulidwe pa zaka 15 m’mablokwe a zaka 5.
  • `Tsail Sacreds Script (NSC): Chokondweretsa chaka chilichonse chimachotsedwanso pansi pa Chigawo 80C, kupangitsa icho kukhala phindu lowonjezereka. Chiŵerengero chamakono ndicho 7.7% p.a.
  • Ma Deposit Okhala ndi Madesiki Oikidwa (51992 FD): Mabanki ndi mapositi ofesi amapereka mabanki 5 mapale okhazikika a chaka ndi nyengo ya lock(45). Chikondwerero n’choyenera kulipira msonkho wonse, koma chachikulucho n’choyenerera kuchepetsa ndalama.
  • [[FLT: 0] Kugwirizana kwa Kusunga Malamulo (ELFS): kwa opuma pantchito omasuka ndi ngozi ya msika, ELFS imapatsa msonkho ndiponso kuyamikira kwa likulu. Mayuniti ali ndi lock lear .
  • Inshuwalansi ya Moyo: Ma Premium olipiridwa kaamba ka malamulo aumwini, mnzanu wa muukwati, kapena ana oyeneretsedwa, malinga ngati ndalama zotsimikiziridwazo ziri kuŵirikiza nthaŵi 10 za ndalama ya chaka.

Inshuwalansi ya Zaumoyo ndi Mankhwala: Gawo 80D ndi 80DDB

Anthu achikulire angafunike kuchepetsa ndalama zambiri pa Gawo la 80D kuti apeze ndalama zolipirira anthu amene amadzidalira okha ndiponso odalira paokha.

  • [[FLT: 0] Nzika zokhala ndi anthu: [[FLT :1] Kugaŵidwa kufikira 650,000 kaamba ka malipiro aumwini, mkazi, kapena ana odalira pa iwo okha. Owonjezereka 760,000 alipo kaamba ka malipiro a makolo odalira makolo (ngati makolo ali nzika zazikulu). Chotero, chiwonkhetso cha 10,000 angachotsedwe.
  • Nzika zokalamba kwambiri: malire ofananawo amagwira ntchito, koma ngati munthuyo alibe malamulo a inshuwalansi ya zaumoyo, iwo angapereke ndalama zochepetsedwa za mankhwala enieni kufika ku 760,000 (kapena malire a mtengo).
  • Kufufuza thanzi losintha: Ndodo yowonjezereka ya 5,000 yaloledwa pakati pa mlingo wa chigawo chonse cha 80D.

Kuphatikizanso apo, gawo 80DDB limachepetsa matenda otchulidwa (m’njira yachitatu, kansa, matenda a mitsempha) kwa anthu okalamba. Ofunikira kuchepetsa kwambiri ndalama za matendawa ndi 76,500,000 (kuthandiza ena 760,000).

Mapindu a Msonkho pa Zolandira Chikondwerero: Gawo 80TT TB

Nzika zachikulire zimalandira ndalama zapadera pa Gawo 80TT TB pa ndalama za chiwongola dzanja zopezedwa kuchokera ku mabanki, mapositi ofesi, kapena maofesi ogwirizana.

  • Desiki yochuluka: kufika ku 650,000 kuchokera ku ndalama za chiwongola dzanja (kuphatikizapo chiwongola dzanja cha ndalama zosungidwa, chiwongola dzanja choikizidwa, chiwongola dzanja chobwerezedwa).
  • Kuphatikiza pa chigawo cha 80C, chimaphatikizaponso chiwongola dzanja chopezedwa pa Senior Citizens Sears Scheme (SCS) ndi nthaŵi.

Ndiponso, pansi pa Gawo 194A, mabanki afunikira kuchotsa chiwongola dzanja chapamwamba 760,000 kwa nzika zokalamba (zoyerekezeredwa ndi 760,000 kwa ena). Komabe, ngati ndalama zonse zopindulira msonkho ziri zochepera pa malire a kusakhoma, Lamulo la 15H lingaperekedwe kupeŵa TDS.

Phindu Lachindunji la Kupuma Pantchito

Ndalama zimene anthu amalipira kaŵirikaŵiri zimakhala zolipidwa pansi pa mutu wa “Osunga " (ngati alandira kwa amene kale anali bwana) kapena“ Kuchokera Kumalo Ena". Makonzedwe ofunika kwa opuma pantchito amaphatikizapo:

  • Kudyetsedwa Kokwanira kwa Mapeni: Kuchokera ku FY 2018-1919, kuchepa kwa anthu onse otopetsedwa ndi opuma pantchito okwana 650,000 kulipo kwa onse amene alandira ndalama za penshoni. Kwa amene alandira ndalama za penshoni, ndalama zimenezi zilipo pa ndalama za penshoni (kupanda ndalama zowonjezereka za malipiro a ndalama ngati alembedwa kale).
  • Banja: Ngati munthu alandira penshoni pambuyo pa imfa ya chiŵalo cha banja, imakhala yokhoma msonkho pansi pa “Malo Ena". Ndalama zotsika za 1/3 za penshoni kapena 765,000 zimaloledwa.
  • Employees’s Penion Scheme (EPS): Chopereka chochitidwa ndi abwana kufikira 8.33% ya malipiro ndi msonkho waulere pansi pa Gawo 80C (monga pa 761,25,000 pachaka). Komabe, ndalama za penshoni zolandiridwa pambuyo pake zimapatsidwa msonkho wokwanira.
  • Kampani ya National Pension System (NPS): [NT:1] Zopereka zopangidwa ndi wogwira ntchito kapena nzika yokulirapo pansi pa Model All Cintuty Model zimayeneretsedwa kaamba ka kuchepetsedwa pansi pa Gawo 80CCD(1) mpaka 10% ya malipiro (a antchito) kapena 20% ya ndalama za ndalama zamalipiro (antchito yodzigwirira okha). Kuwonjezereka kwa 760,000 pa chigawo 80CCD(1B) kulipo pa mlingo wa NPS, kupyola ndi chigawo 80C.

Likulu Lipeza Mapesedwe ndi Zosankha za Kuikiza

Lamulo la Msonkho la Infection Active (Chilamulo cha Msonkho) limapereka ufulu wochepetsa ndalama zimene anthu amakhoma:

  • Kuwombola 54: Kulanditsa pa ndalama za malikulu a nyengo yaitali kuchokera ku kugulitsa nyumba yokhalamo ngati ndalama zopezedwazo zasungidwa m'nyumba ina yokhalamo mkati mwa zaka ziŵiri (kapena zomangidwa mkati mwa zaka zitatu). Nzika zachikulire zingaperekenso ndalama m'misonkho yaufulu yodziŵitsidwa ndi boma monga njira ina.
  • Kusankha 54EC: Mapindu angasungidwe m'maunyolo oikidwa (m., REC, PFC) m'miyezi 6 kuti afune kusasudzulidwa kufika 7650 lakh.
  • Kuchotsa 54F: Kufufuzidwa pa ndalama za kugulitsidwa kwa chuma chilichonse chanthaŵi yaitali (kusiyana ndi nyumba yokhalamo) ngati khoka lonse ligwiritsiridwa ntchito kugula nyumba yatsopano.
  • Kubwezera Mortgage : Pansi pa kubwerera kwa nyumba, nzika zokalamba zingalandire malipiro a nthaŵi ndi nthaŵi motsutsana ndi mtengo wa nyumba yawo. Ndalama zoterozo sizimaonedwa monga ndalama zopezedwa, ndipo palibe kulipira msonkho kwamalikulu kumene kumakhalapo panthaŵi yakusamutsidwira.

Kusamalira Mwapadera Nzika Zapamwamba (Zaka 80 ndi Zapamwamba)

Anthu a zaka 80 ndi pamwambapo saloledwa kuchita zinthu zina pa zifukwa zomveka kwambiri mu ulamuliro wakale wa dzikolo.

  • Iwo safunika kupereka msonkho pasadakhale ngati alibe ndalama iliyonse yolipira bizinesi kapena ntchito, ndipo akhoza kupereka msonkho woyenerera pa nthawi imene akonza zoti abweze.
  • Kukwera mtengo kwa kubwerera kwa msonkho wa malipiro kuli koyenerera kokha ngati ndalama zawo zonse zikuposa malire a kumasuka. Komabe, ngati paperekedwa ndalama zochepetsedwa kapena zobwezeredwa zofunikira, iwo ayenera kulinganiza zinthu mosasamala kanthu.
  • Iwo angasankhe ulamuliro watsopano wa msonkho, koma kuloledwa kwapamwamba kwa anthu okwana 765,500,000 kumapezeka kokha mu ulamuliro wakale wa boma latsopanolo.

Kukonza Zopulumutsa Anthu Opuma Pantchito

Kupyola Chigawo 80C, boma lakhazikitsa makonzedwe akuti nzika zokalamba zibwezeredwe ndalama za msonkho:

  • . . . . . . . . . . . . azaka 60-plus (kapena 55-60 kwa amene amapuma pa VRS kapena pa kuchuluka kwa anthu). Ndalama zambiri zosungidwa 7615 lakh. Mlingo wa chikondwerero umapendedwa pa chigawo chimodzi; ya Q1 FY20242425 ndi 8.2 p.a. Chiwongola cha msonkho n’chofunika pansi pa “Kulandira kwa Miagwero Ena . Koma chinganenedwe pansi pa gawo la 80TTT ku mlingo wakutiwa.
  • Pradhan Mantri Vandana Yahona (PMVY): Ndalama za penshoni kwa nzika zokalamba za zaka 60 zowonjezera, kugaŵira ndalama zotsimikiziridwa za penshoni ya 8% p.a kwa zaka 10. Ndalama ya penshoni njolipidwa. Premium siiyenera kaamba ka gawo 80C (kusiyapo pa mabaibulo oyambirira).
  • Malonda a Office Monthly Income Scheme (POMSI): Mwezi wochita nazo 7.4% p.a (kuchokera pa July 2024). Ndalama zambiri zoikizira 76 lakh (yekha) kapena 76 la kh (chofunika). Chifuniro nchoyenera kubwezeredwa msonkho koma chingakhale chochepetsedwa ndi chigawo 80TTTTT.
  • [[FLT: 0] Mabanki opangidwa ndi Chikondwerero Chapamwamba kwa nzika Zachikulire: Mabanki ambiri amapereka 0.25% mpaka 0.75% chiwonjezero chowonjezereka kwa nzika zokulirapo. Ndalama zachiwongola dzanja ziri zokhometsedwa kotheratu, koma kuchepetsedwa kwa TB kwa chigawo 80 TB kumathandizira.

Kupereka Msonkho kwa Anthu Opuma Pa ntchito

Kuti awonjezere mapindu a misonkho, nzika zokalamba ziyenera kutengera njira yokangalika:

  • Yerekezerani ndi akale vs New Tax Regime: Mulipi wa msonkho pa maulamuliro onse aŵiri. Ngati wopereka msonkho afuna ndalama zochepetsedwa pansi pa 80C (761.5 lakh), 80D (450,000, 80TTB (760,000), ndipo mwina 80 CCD (1B), boma lakale kaŵirikaŵiri limatulutsa msonkho wotsika. Komabe, ngati ndalama zopezedwazo ziri zotsika ndi zocheperapo, ziŵerengero zochepetsedwa za boma latsopano zingakhale zabwino.
  • Kuwonjeza ndalama pa zipangizo zambiri zoperekera msonkho: Divisions ku SCS, PPF, ndi NPS kuphimba malire 761.5 lakh pansi pa 80C ndi 7650,000 pansi pa 80CCD(1B).
  • [[FLT: 0] H Fm 15H kuti mupeŵe TDS: Ngati ndalama zonse zapachaka zili zotsika pa malire a kusatengapo ndalama, tumizani For 15H ku mabanki chotero palibe TDS imene imachotsedwa pa chikondwerero.
  • Inshuwalansi yamphamvu: Ngakhale ngati ili yathanzi, kutenga inshuwalansi ya thanzi kumatsimikizira kuchepa kwa 80D. Kuwonjezerapo, nzika yaikulu inganene ndalama za mankhwala monga kuchepetsa ngati isankha kusagula inshuwalansi.
  • Desikishoni ya chiwongola dzanja: Chiyambire chigawo 80TTT TB [1] Chili ndi 760,000, nzika zokhala ndi chiwongola dzanja chachikulu ziyenera kugamulapo ku kusamutsira ndalama zina ku ziŵiya zaulere zaulere (m's., PPF, maboonti a msonkho) kapena kusunga sungitsa ndalama m'dzina la mnzanu (ngatinso nzika yaikulu) kugwiritsa ntchito ndalama ziŵiri zoikizidwa pambali.

Kuli bwino kufunsira kwa katswiri wa msonkho, makamaka pochita ndi ndalama zochulukirapo. Kwa mapepala alamulo, pitani ku Dipatimenti ya Mtungo [[FLT: 0] kuti mupeze Webusaiti ya malamulo ndi mafomu atsopano. Malongosoledwe ambiri pa SCS angapezeke pa Indiya Post [FLT , ndipo chidziŵitso cha NFS chimapezeka pa [[FLT: 4.] PS Trust .NPS [[FL:5]]

Kumaliza

India akupereka malamulo a msonkho wochuluka ochirikiza anthu okalamba ndi opuma pantchito kuti asunge ufulu wawo wa zachuma. Kupatula malire apamwamba ndi ndalama za inshuwalansi ya zaumoyo zoikizira ndalama za chiwongola dzanja ndi ndalama za penshoni, mapindu ameneŵa angachepetse kwambiri mtolo wa msonkho pazaka zagolidi. Komabe, malamulowo amasiyana pansi pa maulamuliro akale ndi atsopano a msonkho, ndi kukhalabe odziŵitsidwa za kusintha kwa mafashoni, ziwongola dzanja, ndi malire apadera a inshuwalansi ya za thanzi. Mwa kugwiritsira ntchito zipangizo ngati SCS, PPF, ndi inshuwalansi ya zauni, opuma sanga kuchepetsa msonkho wawo wokha komanso kumanga ndalama zotetezeredwa, zotetezera ndalama zopezedwa. Nthaŵi zonse . Kupenda masinthidwe atsopano kuchokera ku [FLD:] BD [FFF:1]