Chiyambi: Kutenga Malo a Msonkho Monga Wopereka Msonkho Watsopano ku India

Kusintha ntchito yapansi ku Indiya ndi kuchuluka kwa ntchito yomasula ndi kuchuluka kwakukulu kumene kumapatsa kusinthika, kudzilamulira, ndi mwaŵi wa kumanga kanthu kena kanu. Komabe, kusintha kumeneku kumadzetsanso maphunziro ambiri m'kusamalira ndalama zanu, makamaka ngongole zanu za msonkho. Mosiyana ndi ntchito yamwambo kumene bwana wanu amachotsa msonkho pamalo oyamba (TDS) ndi mafashoni ambiri ovomerezeka pa inu, monga womasuka wakukhala ndi thayo la mbali iliyonse ya kugonjera msonkho – kuchokera ku ku kulembetsa ndi kubwerera kwawo kwa misonkho ndi kumbuyo. Kutenga zimenezi kuchokera ku chiyambi kungakupulumutseni ku zilango, chikondwerero chosafunikira, ndi kupsinjika maganizo. Mtsogoleri wofala ameneyu adzakutsogolerani kupyola njira iriyonse yotsutsa kuyang'anira msonkho yanu, akuchepetsani bwino ndi malamulo anu a kusungitsa msonkho, ndi kusungitsa misonkhomale yachi.

Kuona Msonkho Wanu Monga Womasuka ku India

Pansi pa lamulo la msonkho wa ku India, ogula amaikidwa monga anthu olembedwa ntchito okha. Kusankha kumeneku kumayambukira mmene mumawerengera ndalama zanu, zimene munganene, ndi mmene mumachitira lipoti ndalama zanu. Msonkho, 1961, imapereka ndalama za msonkho za anthu, ndi makampani a okhoma msonkho omwe amagwa pansi pa mitengo ya masheya ena, malinga ndi mmene amachitira ndi kuŵerengera ndalama zimene mumapeza pansi pa 44 pa mwambo wa misonkho.

Malonda Aakulu a Msonkho kwa Omasuka

  • Ndalama zolandiridwa: Kuchokera pa ndalama zanu zokhomedwa (zotsala zimene simunazichotse), zokhomedwa monga mwa mitengo yoyenerera ya munthu aliyense.
  • Msonkho wa Advance: Ngati mupereka msonkho wonse pambuyo pa kupitirira 760,000 m'chaka chandalama, muyenera kupereka msonkho wa pasadakhale (15% pa June 15, 45% pofika September 15, 75% pofika December 15, ndi 100% pofika March 15).
  • Mabwino ndi Mautumiki Mtungo (GST): Ngati mutembenuka pachaka kuchokera ku mautumiki aulence kupambana ALIK (610 lakh kaamba ka magawo apadera), muyenera kulembetsa GST, kuyang'anira invoisi, ndi faira pa mwezi ndi mwezi / mobwezedwa.
  • [[MFUNDO:0] Misonkho Ina: Kudalira pa malo anu, mungafunikirenso kupereka msonkho waukatswiri kapena malamulo ena a kumaloko.

Kumvetsa udindo umenewu ndi maziko a kukonzekera msonkho.

Sitepe 1: Pezani ndi Kukulitsa Mtengo Wanu

Nambala ya Akhawunti Yanthaŵi zonse (PAN) ndi yoyenerera kukonza ndalama zobwezedwa, kulandira malipiro kuchokera kwa ogula amene amachotsa TDS, ndi kaamba ka kutchula ma decunds . Ngati muli ndi projekiti ya masiku anu olembedwa, tsimikizirani kuti iyo njogwira ntchito ndi yogwirizana ndi Aadhaar yanu. Ngati simunafunikire, gwiritsirani ntchito mwamsanga Dipatimenti ya Mtutsi [. Sungani tsatanetsatane wanu, monga momwe mudzafunikira kaamba ka kulembetsa, maakaunti a GST, mabanki, ndi wolembedwa ntchito m''''''''''.

Tsegulani gulu lanu logwiritsa ntchito pa (osati "Company" kapena "Firm") kuti mupeŵe mavuto. Ndiponso, kutsimikizira kuti adiresi yanu ndi tsatanetsatane wa zolembera zanu zilipo, monga momwe dipatimenti ingatumizira mapepala kapena mapulogalamu papositi.

Sitepe 2: Sankhani Njira Yanu Yodziŵerengera ndi Kusunga Mbiri Zosadziŵika Bwino

Monga womasuka, mungasankhe pakati pa [[FLT: 0] mercantile (act) kapena sh (recects) [1] maziko a kuŵerengera. Opatula ambiri amakonda maziko a ndalama , ndipo amalemba ndalama pamene walandira, ndi ndalama zimene umalipira. Izi n’zosavuta ndi zogwirizana ndi ndemanga zanu za banki. Njira iliyonse imene mungasankhe, kuisunga.

Zimene Muyenera Kusunga

  • Zolembedwa za ndalama zopezedwa: Malitishi onse okwezedwa, malisiti (kutumiza m'mabanki, makope, madigital screens), ndi zikalata za TDS (FORm 16A) kuchokera kwa ogula.
  • Zolembera za Expect : Mabiliki a zipangizo (mapulogalamu apamanja, intaneti, intaneti), zowonongedwa za ulendo, lendi ya ofesi (ngati ilipo), ndalama zaukatswiri (olemba ndalama, maloya), ndalama zolipirira inshuwalansi, ndi zina zokhudza bizinesi iliyonse.
  • Zikalata za khadi la ngongole: Sungani mawu a mwezi ndi mwezi monga umboni wa mabizinesi.
  • Mapangano ndi mapangano: mapangano a Freeance ndi makasitomala angathandize kulungamitsa ndalama ndi zowonongedwa.

Gwiritsirani ntchito pulogalamu yoŵerengera kapena ngakhale pulojekiti yosavuta kujambula zonse. Cholinga n’chokhala ndi njira yooneka bwino, yofufuzira imene imapangitsa kuyang'ana misonkho kukhala kosavuta ndi kolimba. Kuti mupeze malangizo atsatanetsatane, gwiritsani ntchito [[FLT: 0] kulemberana ndi pepala la franlancer losunga zolembapo za anthu.

Sitepe 3: Kulembetsa ndi Kugwirizana

GST kaŵirikaŵiri iri malo osokoneza kwambiri kaamba ka makompyuta atsopano odziwonjola. Evalute ngati mufunikira kulembetsa mozikidwa pa chiwonjezeko chanu . Zimenezi zimaphatikizapo mtengo wonse wa zopereka zonse zoperekedwa, zotsala, ndi zopimira kudutsa India, zoŵerengedwa pa maziko a SEA-Indiya. Ngati mufuna kulembetsa 7620 lakh (“610 lakh ya matanthauzo apadera monga Jammu & Kashmir, Uttankake, etc.), kulembetsa nkovomerezeka.

Mapindu a Kulembetsa Mwaufulu

Ngakhale ngati desiki lanu lili pansi pa khomo, kulembetsa modzifunira kungakhale kopindulitsa ngati makasitomala anu ambiri ali mabizinesi a GST olembetsedwa. Kumakulolani kusonkhanitsa GST kuchokera kwa iwo, kuitenga pa mainvoice, ndi kupempha msonkho wa ndalama pa malonda anu (monga malaptop, pulogalamu ya pa Intaneti, mapepala a pa intaneti). Komabe, kuwonjezeranso kugonjera ku mtolo , kubwerera (GST-3B mwezi uliwonse kapena kasanu ndi kamodzi, ndi GSTR-1 kuti mukhale ndi zopereka zolembedwa zoyenerera.

Ngati mulembetsa pansi pa GST, ogula anu angalandire chilolezo cha msonkho pa msonkho umene mumapereka, umene ungapangitse mautumiki anu kukhala okongola kwambiri. Koma kumbukirani: Muyenera kutulutsa GST-compliant invoice ndi mafaelo pa nthaŵi yobwerera kuti apeŵe ndalama zochedwa. Kambani nduna GST [FLT ] kaamba ka kulembetsa ndi kubwerera.

Sitepe 4: Chitani Chizolowezi Chopereka Msonkho Wofuna Kuugwira Mtima (Kupereka 44 ADA)

Ngati malisiti anu onse athunthu kuchokera ku kumasuka (monga ngati katswiri wotchulidwa pa chigawo 44ADA, amene amaphatikizapo mainjiniya, omanga, olemba ndalama, a kampani, ndi akatswiri ena ambiri) sapitirira 7650 lakh m'chaka chandalama, mungasankhe pulani ya misonkho yovomerezeka ya msonkho [[FLT:] yovomerezeka. Pansi pa zimenezi, ndalama zanu zimaonedwa kukhala 50% ya malisiti anu aakulu. Simufunikira kusunga mabuku atsatanetsatane a maakaundula kapena kuŵerengera maakaunti anu. Zimenezi zimachepetsa ndalama zovomerezedwa.

Nkofunika kwambiri: Ganizirani njirayi. Ngati ndalama zanu zenizeni nzapamwamba kuposa 50% ya malisiti aakulu, muyenera kusankha ndi kuŵerengera ndalama zenizeni. Ndiponso, mutasankha kakonzedwe kotsatira, simungasankhenso kubwereramo kwa zaka 5 zotsatira. Choncho sankhani mwanzeru. Ngati mufuna mafotokozedwe atsatanetsatane, onani Malembo a Mtengo pa Gawo 44A[FLT].

Sitepe 5: Kukulitsa Ziphunzitso Pansi pa Zigawo Zoyenera

Kulinganiza kopindulitsa kungachepetse ndalama zanu zolipira msonkho. Monga wopatula, mungapeze ndalama zochepetsera mtengo wa zowonongedwa zimene zili ] mwachisawawa ndi mwapadera pa bizinesi yanu. Nazi ndalama zofunika zoyendera:

Zonenedwa Mofala

  • Office ndi mathiropoti:[FLT .] Ngati mupanga malo ochezera, rendi, magetsi, ndi intaneti. Ngati mugwira ntchito panyumba, gaŵani ndalama zowonongedwa panyumba (yekha, Internet, rendi, msonkho wa katundu). Dipatimenti ya Invoete Reasurence imalola kuyerekezera koyenera, koma khalani okonzeka kuzilungamitsa.
  • Kufufuza ndi zopereka: Lappops, osindikiza, osindikiza, maloshishi, laisensi ya pulogalamu, ndi mafoni am'manja. Pa zinthu zotsika 765,000, mukhoza kugula ndalama zokwanira m'chaka cha kugula. Ndalama zapamwamba, kukwera mtengo kwagwiritsidwa ntchito.
  • [['FLT:0] ndi kutumiza: Ulendo wa kumaloko kaamba ka misonkhano ya otsata, misonkhano, ndi maulendo ogwirizana ndi malonda. Sungani malisiti ndi mapepala a logbook.
  • [[MTH: 0] Malipiro a ntchito: Mapeyala kulipiridwa kulipirira oŵerengera ndalama, maloya, kapena alangizi kaamba ka uphungu wa msonkho kapena wa lamulo.
  • [[FULT:0] Malipire a zathanzi:[[FT:1] inshuwalansi yathanzi (kugaŵa 80D), inshuwalansi ya moyo (kugaŵa 80C), ndi inshuwalansi ya chuma cha bizinesi.
  • Ndalama zina za bizinesi: Makampani olandira malo a Website, ndalama zoyendetsera ntchito, kusatsa malonda, masabusikripishoni, mabuku, makosi ophunzitsa, ndipo ngakhale zopukutira zomangira malonda (ogonjera ku malire).

Kuphatikizanso apo, mungalembe ndalama zochepetsedwa pa mutu wa VI-A (80C, 80D, 80E, etl.) kuti mupeze ndalama zoyendetsera ndalama ndi inshuwalansi. Koma kumbukirani kuti: Zimenezi ndi zodulidwa pa ndalama za bizinesi. Gwiritsani ntchito kabzala wa msonkho kapena funsani CA kuti mudziwe bwino zinthu.

Kuchenjeza: [[FLT:] Amangonena ndalama zowonongedwa ndi malonda enieni. Ndalama zopinga zimene zimafuna kupendedwa ndi kuletsedwa.

Mfundo 6: Muziyesetsa Kupereka Msonkho Panthaŵi Yake

Mosiyana ndi antchito olembedwa ntchito amene achotsa TDS pa check iliyonse, olipira ayenera kulipira msonkho wawo pasadakhale ngati chiwonkhetso chonsecho chiposa 76100,000. Zimenezi zimaphatikizapo msonkho wa ndalama zimene amapeza komanso maseti. Kulephera kupereka msonkho pasadakhale kumakopa chiwongola dzanja pansi pa Chigawo 234B ndi 234C – panopo 1% mwezi uliwonse pa ndalama zochepa.

Kuyendetsa Ndalama za Msonkho

  • Pa kapena pasadakhale [[FL:0] June 15: Patsani pafupifupi 15% ya chiwonkhetso chonse choyerekezeredwa cha msonkho.
  • Pa kapena pasadakhale [[Mbali: 0] 15 [[FUTO:1]: Pangani pafupifupi 45% yowonjezera (kuphatikizapo June).
  • Pa kapena pasadakhale [[MTL: 0] Desiki 15 [[[ML:1]: Pangani pafupifupi 75% yowonjezera.
  • Pa kapena pasadakhale [[FL:0] March 15 : Patsani 100 zotsala.

Yesani kuyerekezera ndalama zanu zochokera pa malisiti enieni ndi ndalama zodziŵika. Mukhoza kukonzanso ziŵerengero za ndalama zimene mungapeze pambuyo pake ngati ndalama zanu zisintha. Nthaŵi zonse perekani pa Intaneti kudzera pa mahomulo a ku Challan 280 (sankha gulu "0021" popereka msonkho). Muyenera kuonetsetsa kuti ndalama zimene mumalandira zikuyenda bwino.

Ngati muli pansi pa njira yodziŵira kuti muli ndi ndalama (Secostation 44ADA), mufunikirabe kupereka msonkho pasadakhale, koma kokha m’zigawo limodzi pofika March 15 mpaka simunatengedwe ndi magawo apamwamba kwambiri.

Mfundo 7: Musamabweze Msonkho Molondola

Freelances ayenera kujambula [[FLT: 0] . Ngati musankha msonkho wopendedwa pa chigawo 44 ADA . Tsiku loyenera la kulembedwa ndi malonda kapena ntchito ya mabukhu a maakaunti) kapena TR-4 (SUGAM) ngati musankha kulembetsa msonkho wapamwamba pa chigawo 44 . Tsiku loyenera la kujambula ndilo [[FLT:] Jow 31: la chaka cha kuŵerengera, koma ngati mukufuna kuŵerengera nkhani zanu (matsirishipo la [1] Deti loyenerera la [1] [FLT]

Mfundo Zazikulu Pamene Akuuluka

  • Phatikizanimo magwero onse a ndalama zopezedwa: kumasula, chiwongola dzanja cha banki, kupeza ndalama zazikulu, lendi, ndi zina zotero.
  • Lipoti la TDS linalembedwa ndi ogula – malingana ndi Lam 26AS (pepala lanu la ngongole).
  • Pezani ndalama zonse zoyenerera zochepetsera ndalama ndi zosaloledwa kulembetsa.
  • Muzionetsetsa kuti mukubwerera pa Intaneti pogwiritsa ntchito njira yosungira zinthu pa Intaneti.

Ngati simukudziwa zambiri, pemphani munthu amene walemba ndalama za ndalama kapena gwiritsani ntchito pulogalamu yodalirika yokonza misonkho.

Mfundo 8: Muzimvetsa Msonkho Wakale Womwe Unkafunika Kupereka

Kwa omasuka, kusankha pakati pa boma lakale la msonkho (lokhala ndi ndalama zochepetsera) ndi boma latsopano (malipiro apamwamba koma osachepetsa) n’kovuta. Ulamuliro wakale umakulolani kugula ndalama zonse zowonongedwa pa bizinesi ndi Mutu VI-A, zimene zingachepetse kwambiri ndalama zimene munthu angakhoze kukhoma. Boma latsopanoli limachepetsa ndalama zochepetsera ndalama zimene amalipira. Limapereka ndalama zochepetsera ndalama zotsala koma limachotsa ndalama zambiri (kuphatikizapo Chigawo 80C, 80D, HRA, ndi ndalama zowonongedwa pa bizinesi kusiyapo zochepa).

Popeza kuti ogula ndalama za malonda ali ndi ndalama zambiri zosagwiritsidwa ntchito bwino, boma lakale nthaŵi zambiri limapindulitsa kwambiri pokhapo ngati malisiti anu aakulu ali otsika kwambiri ndipo simunathe kulipira ndalama zambiri. Gwiritsani ntchito kambani wa msonkho kuti musankhe pakati pa maulamuliro chaka chilichonse, koma mutasankha msonkho wotsatira, simungaloŵenso zaka 5 (kusiyana ndi kusankha maulamuliro).

Sitepe 9: Kulinganiza kaamba ka Kupuma Pantchito ndi Chisungiko cha Anthu Monga Mpatsi Waufulu

Oyang'anira msonkho sangogwirizana ndi kumanga chuma cha nthaŵi yaitali. Ganizirani za kuthandizira maakaunti a kupuma pantchito amene amapindulitsa pa msonkho:

  • Placent Fund (PPF): Kufikira 761.5 lakh pachaka kuyenerera kaamba ka kuchepetsedwa pansi pa Gawo 80C.
  • National Pension System (NPS): Developeshoni yowonjezereka kufika ku 760,000 pa chigawo 80CCD(1B) mlingo wa 80C ndi pamwamba pa 80C.
  • [[FLT: 0] Kugwirizana kwa Kusunga Kugwirizana (ELS): Kusunga ndalama za misonkho ndi lock-in ya zaka zitatu.

Komanso, muziganizira za inshuwalansi ya zaumoyo (yogulira ndalama 80D) ndiponso kulipira inshuwalansi ya ndalama kuti mutetezedwe.

Mfundo 10: Pewani Kulakwitsa Msonkho

  • Kutsutsa msonkho wapasadakhale: Opatula ambiri a chaka choyamba amalingalira kuti angakhoze kulipira chirichonse panthaŵi ya kulembetsa, kutsogolera ku chilango chachiwongola dzanja.
  • Salembetsa GST mosasamala kanthu za malire odutsa: Ngakhale ngati muiŵala, dipatimenti ingalondole kutembenuka kwanu kuchokera ku zolembedwa za TDS ndi zilango za levy.
  • Kuikiza ngongole ya TDS: Otsalira TDS mobwerezabwereza pansi pa Chigawo 194C kapena 194J. Cheza FOM 26AS ndi kutumiza ndalama iliyonse. Ngati sitomala walephera kuika TDS, simungapeze ngongole; tsatirani.
  • Kusunga ndalama zaumwini monga ndalama za bizinesi: Kusunga muyezo wowonekera pakati pa munthu ndi bizinesi. Dipatimentiyo ingachotse ndi kupatsa chilango.
  • Kulimbana ndi mapangidwe: Kugwiritsira ntchito ITR-1 (Sahj) yotaikiridwa anthu ndi yolakwika ndipo idzatsogolera ku kuchedwa kwa kubwerera.

Kuti mupeŵe mbuna zimenezi, sungani kalendala ya msonkho yokhala ndi nthaŵi yoikidwiratu kaamba ka msonkho, GST imabwerera, ndi kulembetsa. zikumbutso za Autoteam.

Pamene Muyenera Kufufuza Kabuku Kolemba Nkhani (CA)

Pamene kuli kwakuti omasuka angayendetse mafaelo a misonkho, chithandizo cha akatswiri chimakhala chofunika kwambiri pamene:

  • Malisiti anu aakulu apachaka amaposa 7650 lakh (chofunika cha pathupi).
  • Muli ndi mitsinje yambiri ya ndalama kapena makasitomala akunja.
  • Mumalandira chidziŵitso cha msonkho kapena mwasankhidwa kuti mupende.
  • Simukudziŵa kuti pali ndalama zochepetsera ndalama zocholoŵana kapena kuti malamulo a GST.
  • Mukufuna kuchepetsa msonkho mwa kuyesa structive yovomerezeka (m’njira yachidule, kupanga kampani yaumwini yochepetsa kapena yogwirizana ndi ena).

KHALE la CA labwino lingakupulumutseni ndalama zambiri kuposa zimene amalipira posunga msonkho ndi kuteteza kuti musawononge ndalama zambiri.

Kuyang’ana Kutsogolo: Kupereka Ndalama ndi Msonkho

Boma la India likuwonjezera kutsata msonkho. Incometing Trough Department tsopano imagwiritsira ntchito chidziŵitso kuchokera ku mabanki, zipata, ndi GST kubwerera ku zobwezera ndi kuona kusagwirizana. Monga momwe waulere, kutsimikizira kuti ndalama zanu zonse zalengezedwa, ndipo ndalama zonse zimene mumalipira ziri zoŵerengetsera. Gwiritsani ndalama za ku banki ndi kupeŵa malisiti a ndalama pamwamba pa 762 lakh.

Ndiponso, zindikirani za ndalama zatsopano zosonkhanitsidwa ku Chitsime (TCS) pa otsatsa owonjezereka pansi pa Liberated Remittance Scheme (LRS) . Ngati mulandira malipiro kuchokera ku maiko akunja kuchokera ku mapulatifomu onga ngati PayPal, Gregroup, kapena kusamutsidwa kwa banki, kutsimikizira kuti mukugwirizana ndi malamulo achilendo ndi kupereka lipoti la zinthu zachilendo ngati zikufunika.

Mapeto: Kulitsani Mabizinesi Omasuka Msonkho

Kusamalira bwino zopinga za msonkho sikuli kokha kuletsa chilango , kuli kwakuti mukhoza kumasula likulu la maluso anu, zida, ndi kukula. Mwakumvetsetsa mathayo anu, kusunga zolembera zoyera, kupempha ndalama zonse zoikizidwa, ndi kukhalabe pamwamba pa msonkho wapasadakhale, GST, ndi kulinganiza nthaŵi zoikizira, mukhoza kusumika maganizo pa zimene mumachita bwino koposa: kupereka uphungu kwa makasitomala anu. Ulendo waulere mu India uli wodzala ndi mwaŵi, ndipo njira yolimba ya msonkho imakutsimikizirani kusungani ndalama zimene mumalandira, mwalamulo ndi kusungidwa. Kuyang'ana msonkhomakezo chaka chilichonse pamene ndalama zanu zikukula, ndipo mumazengereza kufunafuna uphungu pamene mitu ya ndalama yapamwamba. Mtsogolo mwanu ndi kupsinjika kwa ndalama zambiri.