Kunzwisisa Betsero Dzemutero Nokuda Kwavagari Vakura Nevakarega Basa muIndia

Gadziriro yemitero yeIndia inopa nhevedzano yezvibvumikiso nokusabvumirwa zvakarongwa zvakananga nokuda kwavagari vakwegura navapunzi. Iyi gadziriro inovavarira kuderedza mutoro wemari kuvakweguru, inokurudzira kuchengeta mari kwenguva refu, uye tsigira ndyiko dzezvokurapa. Nokukwira kwendyiko youtano nokukwira kwemitengo, kuziva nzira yokushandisa nayo idzi betsero dzinogona kuvandudza zvikuru kuyerera kwemari inobhadharwa. Nyaya ino inogovera nhungamiro ine chiremera, yebetsero dzemitero inowanika nokuda kwavagari vemuzvizvarwa vakuru veIndia (vanosvika 60 uye pamusoro apa) uye vagari vemo vakakwirira (vane 80 napamusoro), kubatanidza zvitsamuko, kurasikirwa nemari, uye zvirongwa zvokuchengetedzwa.

Ndiani Anoita Kuti Munhu Ave Mugari Wemunyika Akura Nokuda Kwezvinangwa Zvemitero?

Pamhindu yemari, tsananguro yemugari wemo akura inofungidzirwa kuti inosvika pazera regore rokupedzisira remari.

  • Mugari wemo: Munhu asvika zera ramakore 60 asi asati ava makore 80 mukati megore rakapfuura.
  • Mugari wemo mukurusa: Munhu akasvika zera ramakore 80 panguva ipi neipi mukati megore rakapfuura.

Kubatsira kwacho kunowanika muhurumende yekare yemitero uye muhurumende itsva yemitero (sezvakatangwa neBhazimisi Act 2020), kunyange zvazvo hurumende yekare ichipa vapedzeri vebasa vakawanda mari dzinoda mari yakawanda.

Miganhu Yakakwirira Yezvipingamupinyi Nemitero

Betsero yakananga zvikurusa nokuda kwavagari vemo vakura iganhuriro hurusa yokusapinda. Muhurumende yekare yemitero yeGore reChirungu 202425 (Gore reZvomari 20232324):

  • [ Vagari vemo (makore 60 kusvikira ku 80): Muganhu mukuru wokusapinda mumishato wa33,100 000 (wakaenzana na 762,50 000 nokuda kwavanhu vari pasi pe 60).
  • [ Vagari vakura zvikuru vagari vemo (makore 80 nepamusoro): Chinoganhuriro chikuru chokusapinda muropa chama (65,00 000).

Mwero yemitero yavagari vemo vakwegura muhurumende yekare ndeiyi:

  • Mutero wepani pakuwana mari unosvika ku763 500 000 (ma765 500 000 nokuda kwavagari vakakwirira zvikuru).
  • 5% pakuwana mari pakati pema763,001 ne765,40 000 (nokuda kwevagari vakura; 765 001 kusvikira ku 7610 800 000 nokuda kwevakura vakuru zvikuru).
  • 20% pakuwana mari pakati pema765 00 001 ne2810 900 000 (nokuda kwevagari vakura).
  • 30% vanowana mari iri pamusoro pemamanugiramu 610 000.

Muhurumende itsva yomutero (kubva kuFY 20232324), ganhuriro huru yokusapinda vanhu vose i 363,40 000, uye mwero yemitero yakaderera muboka. Zvisinei, hurumende itsva inobvumira mari yakawanda, kuchiita kuti kuve kusingabetseri zvikuru vanhu vanorega basa 80C, 80D, 80TTTTTTTB, zvichingodaro. Vachaderedza basa vanofanira kuenzanisa hurumende dzose mbiri vasati vasarudza.

Kurapa Kunokosha Muchikamu 80C Nokuda Kwevakarega Basa

Chikamu 80C cheInhoome Tax Act chinobvumira kubviswa kwevanokwana 761 50 000 nokuda kwemari yakatarwa uye mari yainoshandiswa. Nepo zvakawanda zveizvi zvichizivikanwa navose vanobhadhara mitero, zvimwe zvisarudzo zvinonyanya kukosha kuvagari vemo vakuru uye vanoenda kumabasa:

  • Chisakiso chezvizvarwa zvinochengetesa (SCS): chimwe chezvishandiso zvakakurumbira zvikurusa pashure pekuforoma. Desitit kusvika ku 76 lakh inokwanirisa nokuda kwechitsama chapasi peChikamu 80C. Mwero wazvino uno wefariro (Q1 FY202425) i 8,2% p., inobhadharwa.
  • Public Placent Fund (PPF): Mipiro inosvika ku 761,50 000 pagore haibhadharwi. Mubereko unowanwa uye ukuru zvinoguma zvapiwa wakasununguka. Kende yePPF inogona kutambanudzwa kupfuura makore 15 muzvivako zvamakore mashanu.
  • `National Satifications Impamyabushobozi (NSC): Fariro yegore negore inobviswawo pasi peChikamu 80C, kuchiiita betsero inopa mubatanidzwa. Mwero wazvino i 7,7% p.a.
  • .Taxposing Deposits (51970 FD):[ Mabhangi nepositi hofisi zvinopa matura 576 gore ane kiyi nenhambo inoiswa. Mhindu inobhadharwa zvizere, asi mukuru anokwaniriswa nokuda kwokubviswa.
  • Kufunga kwakabatana Kuisa Kuchengeteka (ELFS): Nokuda kwavapunzi vakasununguka vane ngozi yomusika, ELFS inopa kuderera kwomutero pamwe chete nokuonga dzimbahwe kunobvira. MaUnit ane rock yegore ra376.quitis
  • Inishuwarenzi yeUniversity Premiums: Mitemo inobhadharwa nokuda kwemiitiro nokuda kwake amene, mukwanyina, kana kuti vana vanokwaniriswa, chero chitsama chacho chakavimbiswa chiri kanenge ka10 rutsamiso rwegore negore.

Inishuwarenzi Youtano Nemishonga: Chikamu 80D uye 80DDB

Vagari vemo vakura vanogona kuderedza mari yakawanda pasi peChikamu 80D nokuda kwemibhadharo yeinishuwarenzi youtano inobhadharwa nokuda kwavo vamene navanovimba. Miganhu yacho yakakwirira kupfuura iyo yavaduku:

  • Vagari vemo vakazvibhadharira: Kuda kusvika ku760,000 nokuda kwokubhadharwa nokuda kwokuzvibhadharira, mukwanyina, kana kuti vana vanotsamira pamunhu. Mumwe munhu ane 760,000 anowanika nokuda kwemibhadharo nokuda kwavabereki vanotsamira pavabereki (kana vabereki vari vagari vakuru). Nokudaro, hwerengedzo yeanosvika 761,50 000 inogona kubviswa.
  • Vagari vemo vakura zvikuru: ganhuriro dzimwe chetedzo dzinoshanda, asi kana munhu wacho asina mirau yeinishuwarenzi youtano, vanogona kutaura chitsama chendyiko chaiyoiyo yezvokurapa kusvikira ku 750,000 (kana kuti muganhu wakakomba).
  • Kunzvera utano kwokuwedzera: Kumwe kuderera kwekuwedzera kusvika ku55 000 kunobvumirwa mukati mechikamu chose cha 80D.

Mukuwedzera, Chikamu 80DDB chinogovera kuderedzwa kwehosha dzakadudzwa (sezvinei, kenza, zvirwere zvetsinga) nokuda kwavagari vemo vakura. Chinoderedzwa chikurusa i 36 000 (760,000 nokuda kwavamwe). Chitupa chezvokurapa chinobva kuna nyanzvi chinodikanwa.

Betsero Dzomutero Pakuwana Mufariro: Chikamu 80TTTTTB

Vagari vemo vakura vanofarikanya kuderedzwa chaiko kweChikamu 80TTTB pakuwana mubereko unowanwa kubva mumabhangi, mahofisi epositi, kana kuti nzanga dzinobatira pamwe.

  • Chitsama chikuru chapamutengi: Kukwira kusvikira ku 650,000 kubva pamubereko wemari (kubatanidza mhindu yemari yasara, mubereko wakagadzwa wemari yakaiswa, mubereko wemari yakaiswa yadzokororwazve).
  • Chikamu 80C chinozowedzerawo mari yaunowana paSenior Citizens Seappers Scheme (SCS) uye nguva yawakachengetera.

Kupfuurirazve, pasi peChikamu 194A, mabhangi anodikanirwa kubvisa TDS pamhindu inopfuura 7650 000 nokuda kwavagari vemo vakura (vaienzaniswa na88 000 nokuda kwavamwe).

Kupiwa Chibharo uye Kurega Basa Zvakananga

Mari inobhadharwa inowanzobhadharwa pasi pomusoro we “Saries” (kana akagamuchirwa kubva kune aichimbova mushandirwi) kana kuti “Kubva Kune Mamwe Manyuko”. Urongwa hunokosha hwavakarega basa hunobatanidza:

  • Kutsaurwa kwakaenzana nokuda kwePenions: Kubva muna 20181819, kubviswa kwomuzvarirwo kwavanhu vose vanoripirwa mari yomudyandigere. Kune avo vanogamuchira mudyandigere, ichi chinowanika pamari yomudyandigere (hapana mari yokuwedzera yemari inobhadharwa kana yatotaurwa).
  • Mhuri: Kana munhu akagamuchira mudyandigere pashure porufu rwemutezo wemhuri, kunobhadharwa pasi pe “Kubva Kumamwe Manyuko”. Kubviswa kwakafanira kwepasi pe 1/3 repenjeni kana kuti 765 000.
  • Employees’s Pension Scheme (EPS):[[[FLT] Mupiro kupfurikidza nomushandirwi kusvikira ku 8,33% yomubhadharo mutero wapachena pasi peChikamu 80C (panozviisa pasi paukuru hwe 761,25 000 pagore). Zvisinei, chitsama chomudyandigere chinogamuchirwa gare gare chinobhadharwa mutero wakazara.
  • Nyika yose Pension System (NPS): Mipiro inoitwa nomushandi kana kuti nomugari wemo mukuru pasi peModelsasasauni yose inokwaniriswa nokuda kwechitsaru pasi peChikamu 80CCD(1) (10% yomubhadharo (kuvashandi) kana 20% wemari inotambira (pakuzvibhadharisa). Kuwedzera kwekukwira kusvika ku650 000 pasi peChikamu 80CCD(1B) inowanika nokuda kwemipiro yeNPS, kupfuura uye pamusoro pechikamu 80C.

Muzinda Mukuru Unowana Kusunungurwa Nechisarudzo Chokuisa Mubhizimisi

Vagari vemo vakura vangadawo kutengesa zvinhu (zvakadai seimba kana kuti mugove) kuti vawane mari yokurega basa.

  • Kusunungurwa 54: Nhamba padzimbahwe renguva refu inowanwa mukutengeswa kweimba inogarwa kana mari yacho ikaiswa muimwe imba inogara mukati mamakore maviri (kana kuti kuvakwa mumakore matatu). Vagari vemo vakuru vanogonawo kuisa mari muzvisungo zvemitero zvine muganhu unoziviswa nehurumende sechinotsiva.
  • Kuwana kwapanosvika 54EC: Kuwana kunogona kuiswa muzvisungo zvakasarudzwa (umh., REC, PFC) mumwedzi mitanhatu kuti vabudise kusunungurwa kusvika ku 7650 lakh.
  • Kuisa 54F: Kusunungurwa pahomwe yemari inotengeswa nezvinhu zvipi nezvipi zvenguva refu (panzvimbo peimba inogarwa) kana kurangarirwa kwose kukashandiswa kutenga imba itsva.
  • [[FT: 0] Kudzosa mari:[[FT:1] Mugadziriro yokuchinja chikwereti, vagari vemo vakura vanogona kugamuchira miripo yapanhambo nenhambo mukupesana noukoshi hweimba yavo. Mibhadharo yakadaro haibatirwi semari inotambirwa, uye hapana kuwana mutero wemari unomuka panguva yokutamiswa.

Kuitira Hanya Chaiko Vagari Vakura Vane Makore 80 Neokumusoro)

Vanhu vane makore 80 nepamusoro vanotowana mwero wakatokura wemamiririri 765 500 000 muhurumende yekare.

  • Havadikanirwi kubhadhara mutero pachine nguva mberi kana vasina mari ipi neipi inobva mubhizimisi kana kuti kubasa.
  • Kuwandisa kwedzorero yomutero unotambirwa kunosungirwa bedzi kana mari yavo yose inopfuura muganhu mukuru wokusazvidira.
  • Vanogona kusarudza hurumende itsva yemitero, asi kubudiswa kwemamiririri ehurumende kwema645 000 kunowanika chete muhurumende yekare.

Kuchengetedza Kunokosha Kwevanorega Basa

Kupfuura Chikamu 80C, hurumende yakatanga zvirongwa chaizvo zvevagari vemo vakura vanopa mhindu dzemitero dzinosashanda zvakanaka:

  • Chitsama chemitengo chinodzokororwa `Salts Scheme')-PUNIS: Kuvanhu vane makore 60-put (kana 55-60) nokuda kwaavo vanorega basa pasi peVRS kana kuti supernuation). Chitsama chikuru chemari inoiswa 7615 lakh. Mwero wefashoni inohwirudzurwa pagore rimwe nerimwe; nokuda kwaQ1 FY202424 i 8.2% p.a.
  • Pradhan Mantri Vandana Yojana (PMVVY): Gadziriro yomudyandigere yavagari vakura vane makore 60 okuwedzera, ichigovera penjeni inovimbiswa ye 8% p.a. mari yepenjeni inobhadharwa. Premium inobhadharwa haikwaniri nokuda kweChikamu 80C (kunze kwedzimwe shanduro dzapakuvamba).
  • Chitsama cheNguva yokutumira paOffice yemwedzi nemwedzi (POMH): Mwero wefashoni 7,4% p.a. (kubva muna July 2024). Chitsama chikuru chemari 769 lakh (chimwe) kana kuti 76 lakh (chikamu). Mhindu inobhadharwa asi inogona kudzorwa neChikamu 80TTTTT.
  • MaDepatroit ane Fariro yapamusorosa yaVagari vapasi vakura: Mabhangi mazhinjisa anopa 0.25% kusvikira ku 0.75% fariro yokuwedzera nokuda kwavagari vakura. Mubereko wefashoni unobhadharwa mutero wose, asi chikamu 80TCB chinobetsera.

Kuronga Kubhadhara Mutero Kunoitirwa Vari Kurega Basa

Kuti vawedzere betsero dzemitero, vagari vemo vakwegura vanofanira kushandisa mutoo wokupfuurira:

  • Enzanisira mari yeTrusa New Tax Regime: Mutero unobhadharwa pasi pehurumende dzose dziri mbiri. Kana muteresi akakumbira mari pasi pe 80C (761.5 lakh), 80D (763 000, 80TTB (765 000), uye sezvinobvira 80 CCD (1B), hurumende yekare inowanzoparira mutero wakaderera. Zvisinei, kana mari iri yakaderera uye yakaderera zvishoma, mwero yehurumende itsva ingava iri nani.
  • Kuisa mari mumitero yakawanda: Kuisa muSCS, PPF, uye NPS kufukidza muganhu we 761.5 lakh pasi pe 80C uye mamwe 7650 000 pasi pa 80CCD(1B).
  • HFUUMTI 15H kudzivisa TDS: Kana mari yose yegore negore iri pasi peganhuriro yokusapinda, ipa RGUN 15H kumabhangi nokudaro hapana TDS inobviswa pafariro.
  • Kubhadharwa kweinishuwarenzi yeHeath: Kunyange kana iri yakanaka, kutora inishuwarenzi youtano kunovimbisa kuderera pasi pe 80D. Kuwedzera, mugari wemo mukurusa anogona kutora ndyiko dzezvokurapa sechitsama kana akasarudza kusatenga inishuwarenzi.
  • Kuderedzwa kwemubereko wemari: Sezvo Chikamu 80TTTTT ichiganhurirwa ku 765 000, vagari vemo vakura vane mhindu huru yemari vanofanira kurangarira kushandura imwe mari kuzvishandiso zvapachena (mutoo., PPF, zvisungo zvemitero zvisina muganhu) kana kuti kuchengeta mapepa muzita romukwanyina (kana ivo variwo mugari wemo mukuru) kuti vawane mapuro yakaparadzana.

Kunorumbidzwa kubvunza nyanzvi yemitero, zvikurukuru pakubata nemhindu yemari yakaoma. Nokuda kwenongedzero dzapamutemo, shanyirai Dhipatimendi reMutero inowanisa nzvimbo yeNFL nokuda kwemirairo nemigadziridzo. Udzame hwakawanda paSCS hunogona kuwanwa pa Inca Post[[FLT]] nzvimbo, uye mashoko pamusoro peNPS anowanika pa [[FLT: 4.]PS TruS[FS:]

mhedziso

India inopa gadziriro yomutero yakawanda kutsigira vagari vemo vakura navanorega basa mukuchengeta kuzvimirira kwemari. Kuvambira paganhuriro dzakakwirira neganhuriro chaidzo dzeinishuwarenzi yezveutano kuti zviitwe gadziriro dzemari yemubereko nemudyandigere, idzi betsero dzinogona kuderedza zvikuru mutoro womutero mukati mamakore andarama. Zvisinei, mitemo inosiana pasi pehurumende dzekare netsva dzemitero, uye kuramba uchiziviswa pamusoro pechinjo dzemari, mari yezvibereko, uye miganhuro yezvikwereti iri madikanwa. Kupfurikidza nokushandisa michina yakaita seSCS, PPF, NPF, uye inishuwareshoni yezvo youtano, havagoni kuderedza bedzi mitero yavo asi kuvakawo chengeteko, mari inochengetedzwa, inochengetedzwa. Nguva dzose mari inodzokororwa kubva [FL:]