Kuisa Kuchengetedzwa Kwemitero Pamusha Wako: Nhungamiro Yemitero Nokuda Kwavaridzi Vemisha veIndia

Kuva nemusha ivavariro huru youpenyu, asi chikwereti chapamusha chinowanzova musengwa wemari wenhambo nenhambo. Mashoko akanaka ndeokuti Indive Task Act, 1961, inopa gadziriro dzakawanda dzinokubvumira kubvisa chikamu chikuru chechikwereti chako kupfurikidza nedzisingabhadharwi. Nokushandisa gadziriro idzi nenzira inoronzeswa, unogona kuderedza mari yako inobhadharwa ndokuchengeta mari yakawanda muhomwe yako gore rimwe nerimwe. Iyi nhungamiro inotsanangura kubviswa kukuru kuri kwose, nzira yokuzvitaura nayo zvakarurama, uye ngozi dzinozivikanwa navose dzokudzivisa nayo.

Kunzwisisa Mitero Yacho Yakapinzwa Munzira Dzokuroja Mumba

Betsero dzemitero pazvikwereti zvepamba zvikurukuru dzinokamurwa kuva zvikamu zviviri: kubhadhara kukuru nemubereko. Chimwe nechimwe chinowira pasi pezvikamu zvakasiyana zveInimary Tax Act neganhuriro dzakasiana nemigariro yokushanda. Mukuwedzera, kune gadziriro chaidzo nokuda kwavatengesi vedzimba venguva yokutanga nezvirongwa zvedzimba dzinodhura. Ngatinzverei chimwe nechimwe.

Chikamu 80C – Kutsiva Kunobhadharwa Zvikuru

Pasi pe mutengo 80C, unogona kuwana derevedzo ye .5 lakh[[FLT]] pagore remari pachikamu chikuru chechikwereti chapamusha. Iyi mutengo unowanika nokuda kwezvikwereti zvinotengerwa kana kuti kuvakwa kwenhumbi dzinogara. Mapfundo makuru okuyeuka:

  • Kana uri kubhadhara chikwereti panzvimbo yakadzoserwa, chichiri chinokwanirisa.
  • Kana ukatengesa nzvimbo yacho mumakore mashanu apera gore rauchatenga, kana ukaitengesa, mari yawataura kuti ndiyo yambotengeswa inochinjwa mugore raunotengeswa.
  • Kuderera kuri pasi peChikamu 80C kuri mukati meganhuriro yose zvayo yejira, iyo inobatanidzawo kumwe kuisa mari mubhizimisi sePPF, ELS, mari yeinishuwarenzi youpenyu, zvichingodaro.

Kuti ubhadhare mari yaunofanira kubhadhara mugore remari, unofanira kubhadhara chikwereti chako kana kuti rudungwe rwako rwokuzobhadhara chikwereti chacho runoratidza kuti uri kutozochibhadhara.

Chikamu 24(b) – Kubhadharwa kwechishuvo

Kutora 24(b) kunobvumira kutsaurwa kwe [ 762 lakh pamibereko inobhadharwa pamusha wako nokuda kwechikwereti [[FLT:]] [[FLT]] iyo inoshanda pachayo [[[FLT:]] chinhu. Kana chinhu chacho chiri eut[[[FLT]]] (yakatengwa), chitsama chapuro yose inodzorwa pasina muganhu upi noupi wapamusoro, kunyange zvazvo chiri che “papo yemari] ichigona kudzora zvimwe zvinowanikwa. Chinodzo chapa. Chinodzo chapa. Chikamu chinogona kudzika mimwe mitengwa.

  • Kuderedzwa kweChikamu 24(b) kwakaparadzana neChikamu 80C.
  • Nokuda kwezvinhu zvinozvibatisisa, kunyanyobviswa igwa regirak pagore remari. Kufarira kunopfuura 762 lakh hakugoni kuendeswa mberi, naizvozvo rongai kukwereta kwenyu maererano nazvo.
  • Kana chikwereti chiri chenzvimbo iri kuvakwa, fariro mukati menhambo yapamberi pokuumbwa inogona kunzi mumitongo mishanu yakaenzana inovambira mugore rokuva nayo (yakafukidzwa gare gare).

NHAU: Fariro pamusha yechikwereti chenzvimbo chausingagari (mutoo, musha wechipiri unorendwa) haibhadharwi zvizere, asi mari yokurenda inobhadharwawo pasi pomusoro “Kubhadharwa kubva kuNzvimbo.”

Chikamu 80E – Kuwedzera Kutenga Nguva Yokutanga

Yakatangwa muna 2016, REPARHURE rinopa mutengo wemuraudzo wechikwereti chepamba nokuda kwechikwereti chenguva yokutanga. Chitsamukiso chacho chinokwira ku 500,000 [[ pagore remari, kupfuura napamusoro pechikamu 932 kh pasi peChikamu 24(b). Mamiriro okusagona kudzora:

  • Chikwereti chacho chinofanira kubhadharwa pakati paApril 1, 2016, naMarch 31, 2017 (kumwe kuwedzerwa kwechikwereti kwacho kungashanda kana paine chikwereti chakananga; ongororai mitemo yepanguva iyoyo).
  • Ukoshi hwezvinhu hahufaniri kupfuura 7650 lakh, uye chitsama chechikwereti hachifaniri kupfuura 7635 lakh.
  • Mutengi haafaniri kuva nechimwe chinhu chipi nechipi chokugara pamusi wechirango chechikwereti.

Chitsama ichi chinongowanika bedzi kusvikira chikwereti charipirwa zvakazara, uye chiri panzvimbo yemubereko bedzi. Sezvo musi wokubhadharwa kwadzo wakananga, zvikwereti zvizhinji zvakatorwa pashure pa2017 hazvikwaniswi. Zvisinei, hurumende yakasuma Chikamu 80EA nokuda kwezvikwereti zvakabvumirwa pashure paApril 1, 2019.

Chikamu 80EA – Kubvisa Dzimba Dzinodhura

Kutora 80EA kunopa imwe mhindu inobviswa .5 lakh[FLT] pagore nokuda kwezvikwereti zvakatorwa nokuda kwedzimba dzinotengeka. Chikwereti chinofanira kubvumirwa pakati paApril 1, 2019, naMarch 31, 2022 (zvinotengwa mune mamwe mabhajeti).

  • Mutengo wechidhinha chenzvimbo yacho haufaniri kupfuura 7645 lakh.
  • Mutengi haafaniri kuva neimwe nzvimbo ipi neipi yokugara pamusi wechirango chechikwereti.
  • Chikwereti chacho chinofanira kutorwa kubhangi, kambani yezvemari yedzimba, kana kuti sangano rakafanana.

Iyi reshiviro inowanika kubva mugore rechirango uye inogona kupiwa kwamakore matatu emari anotevedzana (kana chikwereti chikapfuurira). Iri mukuwedzera kulama 762 pasi peChikamu 24(b) uye 765 000 pasi peChikamu 80EEE (kana kuchibvira, kunyange zvazvo usingagoni kutora zvose zviri zviviri 80E ne 80EEA nokuda kwechikwereti chimwe chetecho).

Kubatsira Kunokonzerwa Nokuchovha Misha

Kana ukatora chikwereti chapamusha pamwe chete nomumwe munhu kana kuti mumwe mutezo wemhuri, mumwe nomumwe anogona kukwereta mari yakaderera ari oga, achifanira kubhadharwa.Iyi inzira yakasimba yokupeta mari yomutero nekaviri kana kuti nekatatu.

  • [[[NHAU]] [FRINTIP: Co-burower imwe neimwe inogona kukwidza ku 761.5 lakh pasi peChikamu 80C (muchikamu che 80C).
  • [[FOLT:0] Kuwedzera kweDidi: Coburower imwe neimwe inogona kukwidza 762 lakh pasi peChikamu 24(b) nokuda kwezvinhu zvinoshanda. Kana iri pfuma isati yapera, mumwe nomumwe anogona kuwana mubereko wakazara.
  • Hona yepamusha yokutanga: Kana vose vari vaviri vari vatengi vepamusha vari vokutanga, mumwe nomumwe angava akakodzera nokuda kweimwe perefu yokuwedzera pasi peChikamu 80E/80EEA, iduku kumunhu oga.

Kuti ape mari inobviswa, muridzi wenzvimbo mumwe nomumwe anofanira kuva muridzi wenzvimbo uye anofanira kubhadhara zvomenemene mugove wavo wechikwereti. Chinyorwa chinofanira kuratidzira zvakajeka reshiyo yomuridzi nokuripira.

Kutaura Kuti Dzidzo Dzofariro Yapamberi Pezvidzidzo

Apo unogamuchira chikwereti chechinhu chisati chaitwa, mubereko unovapo pakati pomusi wechirango nomusi wokupedza (kana kuti kuva nechinhu) unonzi mhindu yokuronga [. Iyi mhindu haigoni kupiwa muhutu rimwe; inobvumirwa mu [[FLT:]] mishanu yakaenzana mumitengo [[[[FLT]:3] kuvambira mugore remari raunowana chinhu.

Somuenzaniso, kana chirango chechikwereti chiri muna April 2020 uye kuva nacho kuchiitwa muna March 2024, mubereko wose unobhadharwa mukati menhambo isati yaitwa (2020-2024). Chitsama ichi chinokamurwa na 5. Unotaura kuti chitsama chimwe chemari iyoyo gore rimwe nerimwe kubva paFY 2024-25 kusvikira kuFY 2028-29, kuwedzera kupuro yenguva dzose yegore negore inobhadharwa pashure pokuva kwako. Ikoku kunogona kuwedzera zvikuru kukwira kwako mumakore apakuvamba okuwana.

Nhamba inokosha: Kubviswa kwefariro yapamberi pechine gore negore (kubatanidza fariro yegore negore) mugore ripi neripi hakugoni kupfuura 762 lakh nokuda kwechinhu chinozvibatikanisa. Kana chiri chinhu, chitsama chakazara chinobvumirwa.

Mitemo yakasiana

Kurapa kwomutero kunosiana kwakavakirwa pakuti zvinhu zvacho zvinozvibatikanisa kana kuti hazvidiwi.

Zvinhu Zvinozvishandira

  • Hapana mari yokurenda inofungidzirwa.
  • Kubviswa kwefariro kunoiswa pa762 lakh pagore (kwakabatanidzwa nemugadziridzo usati waitwa).
  • Kuderedzwa kukuru pasi peChikamu 80C kunowanika (kusvikira kuji1.5 lakh).

Ibvai Panzvimbo

  • Rendi chaiyoiyo inogamuchirwa inobhadharwa pasi pe “Inhouse Prejuation” pashure pokubvisa kuderedzwa kwomuzvarirwo kwe 30% youkoshi hwepagore negore.
  • Mubereko wakazara pachikwereti hauwaniki (hachina 762 lakh cap. Uku kunogona kuparira kurasikirwa nezvinhu zvemba, izvo zvinogona kuiswa mukurwisana nemimwe mari inotambirwa (mari, yebhizimisi) kusvikira kumuganhu (kureva kuti hapana muganhu; zvino kubviswa kwakaganhurirwa ku 762 lakh pagore, asi kurasikirwa kusina kukuvara kunogona kuendeswa mberi).
  • Kuderedzwa kukuru pasi peChikamu 80C kuchiri kuwanika (kusvikira ku761.5 lakh).

Kubviswa Zvinhu

Kana une nzvimbo yechipiri inogara vanhu iyo isingabatiswi kana kuti kuregedzerwa (mutoo, isina chinhu, inoshandiswa somusha wechipiri), mitemo yemitero inoirangarira se inozivikanwa seyaregedzerwa. Unofanira kuzivisa mari yerendi yendangariro (yakavakirwa pakurondwa kwenzvimbo dzakafanana) uye ipapo ndokutaura chitsama chapamhidzo chakazara pasina 762 lakh. Ikoku kazhinji kazhinji kunoguma nokurasikirwa kunogona kuderedza chikwereti chako chomutero.

Nhungamiro Nenzira Kukutaura Kuti Musha Wava Loan Decucutions

Tevera matanho aya kuti uve nechokwadi chokuti unobatsirwa zvizere pasina zvikanganiso:

  1. [ Kutambira chikwereti chechikwereti: Kukumbira kutaura kubva kubhangi rako kana kuti kambani yemari yedzimba kunoratidza mukuru nemhindu zvinobhadharwa mugore remari. Ikoku kunofanirawo kududza nhamba yechikwereti chechikwereti ne udzame hwezvinhu.
  2. Nhamba dzinokodzera: nokuda kwevakuru, iva nechokwadi chokuti hausati wapfuura 761.5 lakh pasi peChikamu 80C (kubatanidza kumwe kuisa mari). Nokuda kwefariro, kana uchizvibatisisa, kepisi pa 932 lakh; kana ukarega, shandisa fariro yose yakabhadharwa pamwe nefariro ipi neipi yapamberi pechirongwa.
  3. [ Gadzirira Chibvumikiso 16 kana kuti chitengiso chemitero: Kana wabhadharwa, zivisa chikwereti chapamusha kumushandirwi wako nokuda kweTDS yakarurama. Kana kuti, taura zvakananga mudzorerwo yako yomutero wemari (ITR).
  4. Fire ITR: Shandisa ITR-1 (Sahaj) kana une mari yemari yenhumbi kana kuti zvinhu zvokumwe. Kana une mari huru kana kuti zvinhu zvakawanda, shandisa ITR-2 kana kuti ITR-3 sezvinoshanda.
  5. Mapepa anotsigira (kana kuchidikanwa): Paunenge uchiisa paIndaneti, hauwanzodikanwi kunamata magwaro, asi anoachengeta nokuda kwouchokwadi. Kana ukanzvera, budisa magwaro echikwereti, mapepa echikwereti ebhangi, uye kuva nezvinyorwa zvemuridzi.

Zvikanganiso Zvinowanzoita Kuti Mutero Wako Usakubatsira

  • Kuisa fariro huru nefariro: kutaura fariro pasi peChikamu 80C haina kururama; fariro inoenda pasi peChikamu 24(b).
  • Kushora fariro yapamberi pokuvaka: vazhinji vateresi vanopotsa vachitaura kuti mari yemari yegore 5 nokuda kwemubereko inobhadharwa mukati mokuvaka.
  • Kutengesa nzvimbo mukati mamakore mashanu: Kana ukatengesa mukati mamakore mashanu okuva nayo, chitsauso chikuru chinotaurwa pasi peChikamu 80C chinowedzerwa semari mugore rokutengeswa.
  • Hausati uchikumbira chikwereti chakabatana betsero: Kana uri mukwereti asi kwete muridzi, ungasakwaniriswa. Cherekedza gwaro remisoro rakafanira.
  • Kutarira Chikamu 80EE/80EEA: Kutanga kazhinji kazhinji vatengi venguva yokutanga havazivi pamusoro peizvi zvitsama zvokuwedzera.
  • Kufara kuzivisa mari yokurenda: Kana ukarenda nzvimbo yacho, unofanira kuratidza mari yokurenda; kana zvisina kudaro, ungagona kutarisana nezvirango.

Zviitiko Zvemisi Ichangobva Kupfuura Nechinjo Dzebhajeti

Mitemo yemitero inochinja gore negore.

  • Muganhu mukuru wokusasunungurwa muhurumende itsva wemitero wakawedzerwa, asi hurumende itsva haibvumiri kubviswa kwakawanda, kubatanidza Chikamu 80C, Chikamu 24 (b), uye Chikamu 80EE/80EEEA. kana ukasarudza hurumende itsva, haugoni kubhadhara mari yechikwereti chapamusha.
  • Hurumende yakatambanudza nguva nokuda kwokutaura Chikamu 80EEA kuzvikwereteso zvakabvumirwa kusvikira kuMarch 31, 2022.
  • Chitsama chefashoni yezvinhu zvinobviswa: Mubhajeti 2017, ganhuriro yakatarwa yokurasikirwa nenzvimbo yemba inopesana nemimwe mari yakatapurwa pa 762 lakh pagore. Kurasikirwa kusina kuiswa mubhedha kunogona kuendeswa mberi kusvikira kumakore 8 ndokutsaurirwa bedzi pamari yeimba mumakore anotevera. Ikoku kunoita kuti zvive zvinobetsera zvishoma nokuda kwezvikwereti zvemari yakakwirira zvikuru panzvimbo yazvipo kana zvichienzaniswa namakore apakuvamba.

Pamitemo yakawanda yazvino, nguva dzose inonongedzera ku yeInivertial Infective Department yeMutero kana kuti kubvunza nyanzvi yemitero yakakodzera.

Mirayiro Inoshanda Yokuita Kuti Musha Wako Uve Netariro Yokuchengetedzwa Kwemitero

Kuwedzera pakuziva zvikamu zvacho, shandisa mazano aya kuti uchengete mari yakawanda muhomwe yako:

  • [ Rongai gadziriro yechikwereti: Kana kuchibvira, torai chikwereti chakabatana nomukwanyina ane mari inobhadharwa. Ikoku kunobvumira mukweretesi mumwe nomumwe kutora mari yakaparadzana.
  • Nguva yaunofanira kuva nayo: nokuda kwezvinhu zvisipo, kuva nechinhu chinodikanwa pakuvamba kwegore remari. Fariro yapamberi pezvirongwa ichavamba kubva mugore iroro, uye uchawana betsero yakazara yefariro yenguva dzose kubva mugore rimwe chetero kwemwedzi 12.
  • Kombine nemimwe mitengo yemari 80C: Kana une zvakasara, Chikamu cha 80C chokutanga neripo guru, ipapo bhadharisa muELS, PPF, zvichingodaro, asi iva nechokwadi chokuti hwerengedzo haisati inopfuura 761.5 lakh.
  • Shandisa zvimwe zvinotengwa nokuda kwedzimba dzinobvira: Kana ukatenga musha pasi pe 7645 lakh, iva nechokwadi chokuti unyore nokuda kweChikamu 80EA kupfurikidza nokududza zvimwe chetezvo muITR yako.
  • Chengeta zvinyorwa zvokungwarira: Chengeta gwaro netsamba yechikwereti, kuva nerugwaro rwechibvumirano, rugwaro rwemhindu yegore negore, uye chibvumikiso cheripo. Ikoku kunoita kuti kunyora nokunyora kuve nyore uye kutsigira kuongorora.

Mibvunzo Inowanzobvunzwa

Ndinogona here kubhadhara mari yechikwereti chapamusha kana ndiri kugara muimba inorendwa uye nzvimbo yangu yechikwereti yapamusha iri kuvakwa?

Hungu, unogona kutaura fariro paChikamu 24 (b) chechikwereti chapamusha mukuvakwa, asi bedzi sefariro yapamberi pechibvumirano (kuzonzi munhambo shanu dzokuvakwa kwapashure pokuvakwa). Mukati menhambo yokuvaka, hapana kudzorwa kunobvumirwa nokuda kwemhindu nemhaka yokuti nzvimbo yacho haisati yagadzirira kugadzirwa. Kofiti inofanira kubhadharwa pasi peChikamu 80C bedzi pashure pokunge chikwereti chaitwa nokuda kwechikweretengo, kwete nokuda kwenguva isati yava nayo? Zvokumboro huru inobvumirwa mugore raunoibhadhara, kunyange mukati mvaki, kana kugovera kwokuvaka kusingakwa? Asi kubetsera kwechikwereti chacho kunofanira kuvakwa. Kana kuri kunodikanwa nokuda kwechipo nokuda kwemari inopfumba inopfuurwa nokuda kwebasa?

TDS inobhadharwa pamhindu yechikwereti chapamusha here?

Aiwa, TDS haisati ichibviswa nebhengi pachikwereti chomusha. Unofanira kutora mari yaunotambira pakudzoka kwako. Zvisinei, kana uri mutungamiriri kana kuti bhangi ikambani yemari isiri mumo, mirau yeTDS ingasiyana. Kuvagari vazhinjisa vanokwereta, hapana TDS pamubereko unobhadharwa.

Ndinogona kutaura kuti Chikamu 80C uye Chikamu 24(b) nokuda kwechikwereti chimwe chetecho here?

Hungu, kuripira kukuru kunokwanirisa muChikamu 80C (pamuganhu wose) uye fariro inokwanirisa pasi peChikamu 24(b). Zvakaparadzana uye zvakazvimirira.

Chii chinoitika kana chikwereti changu chomusha chikatorwa muzita rangu neramai, asi mukwanyina wangu ari mutarisiri wemba asina mari?

Kana mumwe wavo asina mari inobhadharwa, havagoni kukumbira mari inobhadharwa nemhaka yokuti havana mutero. Kubviswa kwacho kuchawanika bedzi kumunhu anotora mari. Kuwedzera betsero, vose vari vaviri vanobhadhara vanofanira kuva nemari inobhadharwa.

Mifungo Yokupedzisira

Kubhadharwa kwechikwereti chemari yaunopiwa kumba ndeimwe yenzira dzinoshanda zvikuru dzokuderedza nayo mutero wemari yaunotambira. Nokunzwisisa kugadzirwa kweChikamu 80C, Chikamu 24 (b), Chikamu 80E, uye Chikamu 80EEA, uye Chikamu 80EEA, uye nokuenzanisa mari yako yechikwereti nenzira yakafanira (chikwereti chapachikamu, nguva inotarisirwa), unogona kuchengetedza marakh evakwereti pamusoro pemari inobhadharwa. Iva nguva dzose yakagadziridzwa nezvinjo muhurumende yemitero, kunyanya chisarudzo pakati pehurumende yekare ne itsva(* uye chengeta chinyorwa chakakwana. Nokuda kwezano romutengi kana kuti mutero, funga kubvunza mubhadhadhari webhadharo anogona kukubatsira kunzvera mamiriro ezvinhu akaoma kufanana nezvitengo, mari yakawanda, kana kuti kutengeswa kwezvinhu mukati mamakore mashanu.

Nokuda kwokuravazve, nongedzera kunhungamiro dzine udzame pa peperesa mari yomutero yapamusha ne BankBazaar nhungamiro padzinenge dzichibviswa dzechikwereti chapamusha[.