Kuzindikira Zomwe Mumalandira ndi Zowakakamiza Kupereka

Pamene mupeza ndalama kuchokera ku mitsinje yambiri, sitepe loyamba ku kusungitsa misonkho yolondola ndi kumvetsetsa mmene aliyense amachitidwira pansi pa lamulo la Inhondat, 1961. Ku India amagawa mokulira pansi pa mitu isanu: malipiro a malipiro a malipiro, ndalama za nyumba, ndalama zopezedwa kuchokera ku malonda kapena ntchito, ndalama zopezedwa kuchokera ku ndalama za ndalama za ndalama, ndi ndalama zopezedwa kuchokera ku zinthu zina (zonga chiwongola dzanja, phindu, ndi mphatso). Mutu aliyense ali ndi malamulo akeake a kuŵerengera, kulinganiza, ndi mapepala.

Mwachitsanzo, malipiro a TDS amachotsedwa ndi abwana anu ndipo amalembedwa pa Form 16.

Kulephera kusiyanitsa bwino ndalama zimene mumalandira kungachititse kulephera kupereka msonkho kapena chilango. Cholakwika chofala n’chakuti ndalama zotsala zikhale “zochokera kwina". M'malo mwa“ndalama za malonda,” zimene zingakulepheretseni kugula ndalama zoyendetsera bizinesi. Nthaŵi zonse funsani malangizo a boma kapena katswiri wa za msonkho ngati simukudziwa bwino.

Kundandalika Njira Zosiyanasiyana Zopezera Ndalama

  • Wolembedwa ntchito wolembedwa + Freelance/Kukonza: Ntchito yanu ya tsiku imapereka Form; kumasula kumafuna kusungitsa mapepala, marekodi a ndalama, ndi phindu lapadera ndi pepala la kutaikiridwa.
  • Ndalama zopezedwa kuchokera ku zinthu zambiri: katundu aliyense ayenera kusimbidwa payekha; mungachotse msonkho wa m'mamzindi ndi 30% ya mtengo wa khoka pachaka kukonza.
  • Kapitali imalandira ndalama, ndalama, kapena malonda a katundu: Nthaŵi ndi mapindu anthaŵi yaitali ali ndi misonkho yosiyana ndi nyengo zokhala; phindu la kutsimikizira limagwira ntchito pa kupata kwa nthaŵi yaitali kwa chuma.
  • Ndalama zopezedwa kuchokera ku masheya oikika, mabotolo, ndi maakaunti a zosunga: Bank ingachotse TDS ngati chiwongola dzanja chipose 760,000 (Zambia0,000 kwa nzika zachikulire) m'chaka chandalama.
  • Ndalama zopezedwa ndi anthu: [[FT:1] Madividenti tsopano ali oyenera kukhoma msonkho m’manja mwa wolandira; kuchepa kowonjezereka kwa 76200,000 pa Gawo 80TT TB kulipo kwa nzika zachiwongola dzanja (osati malipiro).

Zikalata Zofunika Zosonkhanitsa Asanazembe

Mapepala olondola ndi amene amathandiza kwambiri pa ntchito yosunga misonkho. Kusunga mapepala onse oyenerera musanatsegule malo osungirako zinthu zachinsinsi kumasunga nthawi ndi kuchepetsa zolakwa. Pansipa pali mndandanda wokwanira wolembera anthu amene amapeza ndalama zambiri:

Income TypeKey Documents
SalaryForm 16 from each employer (if you switched jobs), salary slips, TDS certificates
Business / FreelanceProfit & loss statement, balance sheet (if turnover exceeds prescribed limits), invoices, expense receipts, GST returns (if registered)
Rental PropertyRent receipts, municipality tax receipts, loan interest certificate (if property is financed)
Capital GainsPurchase and sale deeds, stock/ mutual fund transaction statements, brokerage or STT paid details
Interest / DividendsInterest certificates (Form 16A for TDS on interest), dividend statements, bank passbook or statement
Foreign Income (if any)Foreign bank statements, TDS certificates from foreign entity, currency conversion details, Form 10F (to claim DTAA benefit)

Muyeneranso kusunga khadi lanu la pa PAN, Aadhaar, tsatanetsatane wa akaunti ya ku banki (IFSC, nambala ya akaunti), ndi ITR chaka chatha kuti mulembe. Ngati mukugula ndalama zochepetsedwa pa Mutu VI (monga 80C, 80D, 80G), tsimikizirani kuti muli ndi malisiti ochirikiza ndi umboni wa malipiro.

Kusankha Msonkho Woyenera (UFUMU)

Kusankha mtundu wa ITR wolakwika kungatsogolere ku kubwerera kwanu kukuchitiridwa monga kolakwika kapena ngakhale kopanda pake. Dipatimenti ya Ndalama ya Msonkho imapereka mitundu 7 ikuluikulu ya ITR (ITR-1 mpaka ITR-7). Kwa anthu amene ali ndi ndalama zambiri, zofunika kwambiri ndi ITR-3 ndi ITR-4, ngakhale kuti ITR-2 ingagwirenso ntchito m'zochitika zina.

ITR-3: Kwa anthu amene amapeza ndalama za bizinesi kapena zantchito

Mpangidwe umenewu uli woyenerera ngati muli ndi ndalama kuchokera ku bizinesi ya kampani kapena makampani aufulu (monga katswiri). Imaphatikizaponso malipiro a malipiro, katundu wa nyumba, ndalama zamalipiro, ndi magwero ena. Ngati ndinu womasuka, phungu, mnzanu m'kampani, kapena mkulu wa kampani (kumene mumakhala ndi gawo losakwanira la masheya kapena lantchito mnzake), muyenera kulemba ITR-3.

ITR-4: Mwambo wa kukhoma msonkho wotsatizana (Malamulo 44AD/44ADA/444AE)

Ngati ndinu mwini wa bizinesi wamng'ono kapena womasuka kusankha njira yokopa, mungaike maina ITR-4. Komabe, onani kuti pansi pa kakonzedwe ka kukopa simungathe kufuna ndalama zowonongedwa; ndalama zikuyerekezeredwa pa 8% (6% ya malisiti a metal) ya kutembenukira ku bizinesi, kapena 50% ya malisiti a malisiti a akatswiri otchulidwa (kufikira ku 7650 lakh). Simungakonzerenso kutayidwa kwa bizinesi ndi makampani ena a ndalama.

Kwa anthu opanda ndalama zoyendetsera ntchito

Ngati muli ndi malipiro, ndalama zochitira lendi, ndalama zolipirira, kapena ndalama kuchokera ku magwero ena (monga chiwongola dzanja ndi mapindu) koma mulibe bizinesi kapena ndalama zaukatswiri, mungalembe ITR-2. Mpangidwe umenewu ngwosavuta kuposa ITR-3 koma umafunikirabe tsatanetsatane wa zopezedwa ndi chuma chachilendo.

Lamulo lachidule la chala chamanthu: ngati muli ndi madekha, kufunsira, kapena malonda amene saphimbidwa pa msonkho wotsatira, gwiritsirani ntchito ITR-3. Ngati muli ndi ndalama zolembedwa komanso malipiro, gwiritsani ntchito ITR-2. tsimikizirani kuti muli ndi mphamvu yogwiritsa ntchito wiscreader yotsika pa kujambula.

Njira Imodzi Yotsogolera Kubwerera Kwanu

Mutakhala ndi zikalata zanu ndi kusankha fomu yolondola ya ITR, tsatirani masitepe awa pa kampani ya Inhondail Department yojambula ndalama (http://www.incometax.gov.in).

Mukhoza Kulemba Zinthu Zomwe Muli Pa Intaneti

◯ Muzigwiritsa ntchito dzina lanu potsegula CD ndi CD.

2. Sankhani Khalidwe Loyenera

Kuchokera pa dashboard, sankhani “e-File". "Come Tair Task Rever". . Sankhani chaka cha kuŵerengera (m’ lekuatiso, 2024-25 kwa FY 2023-24) ndiyeno mapangidwe amene amalingana ndi ndalama zanu. Khoti la ITR lingapereke chithunzi cha mawonekedwe a zobweza zanu zakale, koma mukhoza kuwachotsa.

3. Lembani M’nkhani Zokhudza Munthu ndi Msonkho

Mukhoza kuwonjezerapo ndalama zimene mungathe kugwiritsa ntchito popanga maakaunti a kubanki.

Nkhaniyi ikusonyeza kuti anthu amatsatira mfundo za m’Baibulo

Pamutu uliwonse wa ndalama:

  • [[MLT: 0] Saluya: Kuloŵa malipiro aakulu, matsire, ndi ma persuisiti monga monga pa Lamulo 16 gwiritsirani ntchito mpambo wa kutsikira pansi pa ndandanda ya mitundu yosiyanasiyana ya kulolera (HRA, LTA, ndi zina.).
  • Malo a Nyumba: [[FLT ] pa malo alionse, lembani nyumba ya lendi yolandiridwa, misonkho ya khomaleyo, ndi chiwongola dzanja pa loni ya panyumba (ngati ilipo). Dongosolo liŵerengera mtengo wa chaka ndi chaka ndipo limatsatira ndalama 30% zimene amalandira.
  • Capital Games: Zigawo zolekanitsidwa kaamba ka nyengo yaifupi (STCG) ndi nyengo yaitali (LTCG). Pamtengo uliwonse, amakhazikitsa deti la kusonkhanitsa, tsiku la kugulitsa, mtengo wa kusonkhanitsa, ndi kugulitsa. Malo a pagombe adzaŵerengera mtengo wa deti la deti (ya LTCG) ngati nkotheka.
  • Makampani: [1] Pitani malisiti onse /gross jiver, ndiyeno funani ndalama zoyenerera. Ngati musunga mabuku, mungafunikire kumatiza pepala la ndalama ndi mawu a P&L (ngati kusintha kupitirira 7610 creor kapena ngati mwasankha njira yodziŵira zinthu).
  • Machokera ena: [[FLT :1] Kapenye chiwongola dzanja, zipatso, kupambana lotale, ndi zinanso.

5. Amati Mabungwe ndi Misonkho

Pansi pa “Indalama” (Chikongozero VI-A), munganenenso kuti Chigawo 80C (LIC, PPF, ELS, ELS, etc.), 80D (inshuwalansi yachisungiko), 80G (malipiro), 80E (chiwongola dzanja la kuthandizira), ndi zina. Mukhozanso kunena kuti TDS ndi ngongole pansi pa chigawo 87A (ngati ikuthandiza) ndi pansi pa chigawo chilichonse (chothandiza) 89 (chokhala ndi malipiro).

6. Ŵerengerani Msonkho Kapena Kudzutsidwa

Mukafuna kupereka ndalama zoyendetsera ntchitoyi, gwiritsani ntchito Intaneti pogwiritsa ntchito pepala la “Patsani Msonkho”. Ngati ndi yolakwika, mukhoza kupeza ndalama zobwezetsera msonkho mutatsimikizira kuti ndi zoona.

7 Muzivomereza

Pambuyo pa kudzaza tsatanetsatane yense, onerani kubwerera. Chongani ngati pali zophophonya zilizonse kapena zosagwirizana ndi Mafomu 26AS. Chongani zobwererazo pakompyuta. M'masiku 120, muyenera kutsimikizira kuti zikugwirizana pogwiritsa ntchito Aadhaar OTP, Bangalore, kapena kutumiza kope lenileni losainidwa ku CPC. Popanda kutsimikizira, kubwerera kumaonedwa ngati sikukuikidwa.

Mapiko ndi Mapesedwe a Zopereka Zochuluka

Ubwino wina waukulu kwambiri wopeza ndalama zambiri ndi wakuti mukhoza kuchepetsa ndalama zimene mukuwononga pa zinthu zosiyanasiyana.

  • Kukopa Loan Infation pansi pa chigawo 24(b): [[FLT ] Ngati mwapanga malo, mukhoza kuchotsa chiwongola dzanja chonse cholipiridwa pa loniyo ndi ndalama za lendi. Kwa malo odzisamalira okha, ndalama zoikizidwazo zimalekezera ku 762 lakh.
  • Ndalama zamalonda kwa Malo Odzisankhira: Mukhoza kufuna ndalama zonga mapepala a pa Intaneti, malipoti a telefoni, ulendo, lendi kaamba ka malo ochezera, masabusikripishoni a pulogalamu, ndi ngakhale kutsika kwa mtengo wa ma pulogalamu ndi mipando. Sungani malisiti oyenera.
  • Kudyetsedwa Kokwanira kwa Salmary: Ngati ndinu wantchito wolipidwa, dekshoni ya 760,000 iripo − iyi siipezeka kaamba ka ndalama zaulere, koma mukhoza kugula zowonongedwa zenizeni kaamba ka kumasula.
  • Malamulo a zopeza: Kuwonjezera pa 30% ya desiki yotsalira, mungachotse msonkho wolipidwa ndi chiwongola dzanja pa loni (kugonjera ku malire).
  • Makoso VI-A Dective: Chigawo 80C (kufikira 761.5 lakh), 80D (inshuwalansi yachisanu kufikira 76250,000 / 7650,000 kwa nzika zokulirapo), 80E (chiwongola dzanja – malire) ndi 80G (kugwirizana kwa mabungwe osankhidwa).
  • Kubweza pansi pa Chigawo 87A: Ngati ndalama zanu zonse zolipira msonkho ndi ○ 765 lakh, mungapeze chiwiya cha 7612,500 (kukafuna ulamuliro watsopano) kapena monga malamulo akale (7612,500 pa ndalama zofikira 765 lakh).

Kumbukirani, zochepetsedwa zambiri pa mutu VI-A sizimapezeka pansi pa boma latsopano la msonkho (loperekedwa mu FY 2020-21). Yerekezerani msonkho wanu pansi pa maulamuliro onse aŵiri musanalembe. Boma latsopano limapereka ndalama zotsika koma limachotsa zochepetsetsa zambiri ndi kuchotsapo kuchotsedwa.

Kusamalira Mikhalidwe Yapadera

Likulu Linapindula ndi Masitayelo Amitundumitundu

Ngati mwagulitsa magawo, ndalama, kapena katundu, muyenera kuŵerengera ndalama zimene munapeza bwino. Kuti katundu ayende bwino kwa miyezi yoposa 36 (kapena miyezi 24 ya chuma chosasunthika ndi miyezi 12 ya kundandalika kwa mafashoni), phindu ndilo lakale . Kupindula kwa nthaŵi yaitali (LTCG) pa ndandanda ya magawo ndi ndalama zoikidwiratu za ndalama za kampani kuwirikiza [1] lakh amakhomedwa msonkho pa 10% popanda phindu.

Ndalama Zopezedwa ndi Zofunika za Kunja

Ngati muli ndi ndalama za kubanki, kubanki yachilendo, kapena kupeza ndalama iliyonse kunja kwa India (kuphatikizapo chiwongola dzanja kuchokera ku WIL , tchaI FA (Mlendo) ndi Sedynal FSI (Kupezapo Kuchokera kwina). Kulephera kuulula zinthu zachilendo kungatsogolere ku chilango chowopsa pa Black Money Act. Anthu a ku India amakhomedwa msonkho pa ndalama zimene amapeza padziko lonse; mukhoza kupempha thandizo la Masheya Owirira Kuletsa Malamulo (DTAA) ndi dziko lakwawo.

Kukhometsa Msonkho kwa Anthu Omasuka

Freelancers ndi malisiti aakulu kufika 7650 lakh angasankhe msonkho wochititsa kuŵerengeredwa pansi pa Gawo 44A. Mumalengeza 50% ya malisiti aakulu monga ndalama (ngati ndinu katswiri wodziŵika monga loya, dokotala, womanga, injiniya, wosunga ndalama, ndi zina.) Mwa njira imeneyi simufunikira kusunga mabuku a maakaunti kapena kupeza ndalama za msonkho. Kwa ena (monga olemba, alangizi, ndi zina), mungagwiritsirebe ntchito kutembenuza pansi pa Gawo 44AD ngati bizinesi yanu yakwera kufika ku 762 cre, kulengeza 8% (6% ya ndandanda ya ndandanda) ya kutembenuka monga ndalama.

Zolakwa Zofala Zopeŵera Pamene Tikudyera Nkhawa Zochuluka

  • Kunyalanyaza mitsinje ya malipiro yaing'ono: Ngakhale zikwi zoŵerengeka za chiwongola dzanja kapena ndalama za lendi ziyenera kusimbidwa. Department Income imagwiritsira ntchito For 26AS ndi chidziŵitso china kudutsa.
  • Kugula ndalama zaumwini ndi zamalonda: Kokha zogwirizana mwachindunji ndi malipiro a bizinesi ndizo zosawonongeka. Peŵani kugula zowonongedwa zaumwini pa mabizinesi.
  • Kusankha mtundu wolakwika wa ITR:[[FL:1] Monga momwe kwafotokozedwera, kugwiritsira ntchito ITR-2 mmalo mwa ITR-3 pamene muli ndi ndalama zomasukira kungachititse kubwerera kwanu kukanidwa.
  • Simungayanjanitse TDS: Nthaŵi zonse amafanana TDS yosonyezedwa mu Mapy 26As ndi malekodi anu. Ngati TDS ili pamwamba kuposa mmene munkayembekezera, mungatenge chobweza; ngati ndi pansi, mungapereke msonkho wowonjezereka.
  • Kuiŵala kuulula zinthu zachilendo: Ngakhale ngati ndalama za ku banki yachilendo zili ndi mlingo wochepa, muyenera kusimba m'Sedynal FA ngati ikanakhalako nthaŵi iriyonse mkati mwa chaka chandalama.
  • Kuthamanga pambuyo pa deti loyenerera (31 July ya milandu yosamva, 31 October kaamba ka milandu yoŵerengera):[FLT ] Mashedi atha akukopa ndalama za 765,000 (ngati wasungidwa pambuyo pa 31 Dec) kapena 761,000 (ngati wasungidwa pambuyo pa 31 July koma 31 Dec). Ndiponso, simungapitire patsogolo zotayikitsa zina (monga ngati nyumba yatayikiridwa, katundu wawonongeka) ngati muchedwa.

Kumaliza

Kupanga misonkho ndi zinthu zambiri zopezera ndalama ku India sikuyenera kukhala kochititsa kupsinjika maganizo. Mwa njira yodziŵira mumtsinje uliwonse wa ndalama, kusonkhanitsa mapepala olondola, kusankha mtundu woyenerera wa ITR, ndi kupempha ndalama zoikizidwa mosamala, mungatsimikizire kuti mumvera ndi kuchepetsa msonkho wanu. Kukwera malo a pagombe kwakhala bwenzi la anthu, koma pa mikhalidwe yovuta monga ndalama zopezedwa kunja, kugula ndalama zambiri, kapena kujambula mabizinesi a [1] kuli kwanzeru kufunsira kwa wosunga ndalama kapena kukonza msonkho wodalirika.

Sungani ndi misonkho yaposachedwapa ndi zilengezo kuchokera ku Central Board of Direct Confect Confect Confect Confect (CDT). Kutsogolera kwalamulo, tchulani Mtungo woperekera ie-Kuulutsa. Nkhani ndi masamu atsatanetsatane ndi masamu apadera, mukhoza kufunafuna chuma chonga [[FLT:] Develop [[FL:] kapena Taxmann [[FL:5]. Kumbukirani, kulinganiza kwa misonkhoma ndi ndalama m'chaka chonsechoti.