Sumo

Kuronga mitero mukati megore remari muIndia kunokosha kuti vanhu vamwe navamwe uye mabhizimisi vadzivise zvirango uye kuti vave nechokwadi chemari. Kuronga kwakafanira kunobetsera mukutarisira kufamba kwemari uye kushandisa zvitsama zvemari nezvisingakuvadzi zvinowanika mumitemo yemitero yeIndia. Pasina mutoo unopfuurira, vabhadhari vanowanzoguma nokubhadhara mitero yakakwirira kupfuura iri madikanwa kana kuti kutarisana nemubereko nechirango nokuda kwemitero yokunonoka. Muiyi nhungamiro ine udzame, tinofukidza chinhu chiri chose kubva mukunzwisisa gore remitero kuti iwirirane nguva yakafanira yokutenga, kuronga kufambira mberi kwemitero, uye zvitsauko zvegore zvinovimbisa kuzviisa pasi nokuko.

Kunzwisisa Gore Remitero reIndia Nemifungo Inokosha

Gore Remari Rinorwisana Negore Rakaoma

Gore remari reIndia rinovamba pa1 April uye rinoguma na31 March wegore rinotevera. Mari yose inowanwa mukati meiyi nhambo inobhadharwa mugore rinotevera rokunzvera (AY). Somuenzaniso, mari inowanwa pakati pa 1 April 2024 na 31 March 2025 inorangarirwa muna AY 2025-26. Kudzorwa kwako kwomutero nokuda kweFY 2024 2925 kuri nguva inosvika 31 July 2025 (kana kuti 31 October 2025 kana uchidikanirwa kunzvera nhau dzako). Kunzwisisa iyi nguva ndiyo fandesheni yokuronga mutero kunobudirira.

Mitero Yevanhu Vamwe navamwe (FY 202424-25)

India inopa hurumende mbiri dzemitero: hurumende yekare (nezvisarudzo nezvitsaru) nehurumende itsva (mwero yakaderera asi mishomanene inosunungura). Muhurumende itsva, ganhuriro huru yokusapinda inoramba iri 03 lakh (03,40 000) nokuda kwavanhu vari pasi pemakore 60, ine mwero inotangira pa5% nokuda kwemari inowanwa pakati pa 763,00,001,00,000, uye nenzira inofambira mberi 30% nokuda kwemari inotambirwa pamusoro pe 015,0 000. Hurumende yekare inobvumira zvitsamisiro pasi pezvikamu 80C, 80D, 80D, uye zvimwe zvisiviso zvakadai seHRA neLTA. Kusarudza hurumende yakarurama chisarudzo chakarurama ndechokuronga mutero.

Nei Kuronga Mutero Kuchinetsa?

Kuronga mutero kunobudirira kunoita zvakawanda kupfuura kuderedza mari yako. Kunobetsera kuchengeta mari inogamuchirwa zvakanaka mugore rose, kunovimbisa kuti hautongoshaiwi nguva dzapamberi dzemitero, uye nzvimbo kuti ushandise zvakazara zvishandiso zvemari yehurumende zvinobhadharwa. Nokuda kwavashandi vanobhadharwa, vashandirwi vanobvisa TDS (mutero unobhadharwa panzvimbo inopa mari inoziviswa) yakavakirwa pakubhadharwa kwemari; pasina kuronga kwakafanira, ungatarisana nechinodikanwa chisingakarirwiri pakupera kwegore kana kuti kuva nezvikamu zvinopfuura zveTDS zvinopfigwa kusvikira wasvika. Nokuti vanhu vamwe navamwe nevemabhizimisi, mitero yapa nguva isati yapfuura inogamuchirwa nokuda kwemitero inogamuchirwa nokuda kwemitengo huru, uye kurasikirwa nayo mutero unounza mubatanidzwa wemasangano 23434B ne234 C. Kuronzero inogamuchirwa kuti igovedze rugare norugare rwendangariro.

Nhano Nenzira Kunhungamiro Yokuronga Mutero Kunobudirira Mukati Megore

1. Edza Kuwana Mari Yegore Negore

Tanga gore remari kupfurikidza nokuronga hwerengedzo yako yemari: mubhadharo wako, mari yebhizimisi, mari yerendi, mubereko kubva kumaakaundi okuchengeta mari kana kuti matura akasiiwa, uye mamwe manyuko api naapi. Shandisa mabharakota omutero akadai seanowanika pa inotambira mari yeBhaziro reTex yemariair kuedzesa mutoro wako wemutero pasi pehurumende dzose. Kunzvera nguva dzose kunobetsera kugadziridza fungidziro dzako kana mari inowanwa ipo kana ichichinja zvikuru (g., mari inodzorwa kana kuti mari yemari).

2. Kudziridza Kugadzirwa Kwezvikamu 80C uye Kupfuura

Chikamu 80C chinopa zvitsama zvinoiswa kulamanyuko zvinonzi 761 500 nokuda kwemitengo yokuisa mari muPPF (PPF), Mushandie Pregionance Fund (EPF), Equity Conced Leavents Source (ESS), Equited Leavents Scheme, kubvisa mitero inoiswa pagore (gore rerock-in), uye mari dzeinishuwarenzi youpenyu. Pasina chirongwa, ungamhanyira kuisa mari muna March; panzvimbo pezvo, kuparadzira mipiro inopfuudzwa gore kuti ibetserwe nerese (muchinoitika cheESSS) uye kudzivisa kutsarukana kwemichina yokupedzisira. Irangarirawo chikamu 80 CC nokuda kwemari yomudyandiro nechi 801(B) nokuda kwemipiro yokuwedzera paNational Pentenions Sy Sy System (NS).

3. Ronga Inishuwarenzi Youtano (80D)

MuChikamu 80D, unogona kukumbira mari inobhadharwa nokuda kweinishuwarenzi youtano nokuda kwako umene, mukwanyina wako, vana, uye vabereki. Chinoganhuriro i765 000 nokuda kwavanhu vari pasi pamakore 60 (550 000 nokuda kwavagari vakura). Rumwe rutsamisiro runowanika nokuda kwemibhadharo yavabereki (7650 000 kana mumwe mubereki ari mugari wemo mukurusa). Kuhwirudzura kuvamba kwegore ndokurangarira gadziriro yakakwirira kana kuchidikanwa. Iyi mitengo inogona kubhadharwa panguva ipi neipi mukati meFY, asi pakuvamba kudzivisa kubhadharwa kwemari yokupedzisira yemari inoyerera.

4 Shandisa Betsero Dzomusha (Zvirimo 24, 80EA, 80EB)

Kana une chikwereti chapamusha, mubereko unobhadharwa haubhadharwi muChikamu 24 kusvikira ku 76,50 000 pagore nokuda kwenzvimbo inozvishandira. MuChikamu 80EA, vatengesi vedzimba venguva yokutanga vanogona kukumbira kubviswazve kwechitsama chapamusha kusvikira ku 761 500 000 pamubereko wakabhadharwa (pamberi pemari sechitsama chechikwereti nemutengo wenhumbi). Kubhadhara kukuru kunokwanirisa nokuda kwechikamu 80C mukati momuganhu wegore rose. Kuvimbisa chinyorwa chebhizinesi chegore negore kuti ugove betsero dzakodzerwa nenzira yakarurama.

5. Ita Kuti Mipiro yeNPS Ive Yakanaka (80CCD)

Mipiro kuNational Pension System (NPS) inokwaniriswa nokuda kwechitsaru muChikamu 80CCD(1) 1. Nepanosvika 10% yomubhadharo (wavashandi) kana kuti 20% yemari yakawandisa inowanwa (pakushanda), mukati meChikamu chose 80C 801. Kuwedzera, Chikamu 80CCD(1B) chinopa kutsaurirwa kwakakwana kwechitsama chapamusoro kusvikira ku 760,000 000. NPS inewo kurapa kwemitero yakaparadzana nokuda kwokubvisa chitsama (60% inobhadhara mitero yakasununguka) uye mari inobhadharwa (ibhadharwa). Nokuda kwavanhu vamwe vanhu, mushandirwi weNPS kusvikira ku 14% yemibhadharo (vashandi vehurumende) kana kuti 10%) iko yemitero yakasununguka pasi pechikamu 800%.

6 Iti Dzidzo Inoita Kuti Tikoshere

Kana iwe kana kuti mumwe wako, vana, kana kuti mudzidzi wauri mutarisiri wepamutemo akakweretesa dzidzo yedzidzo yakakwirira, mubereko unobhadharwa pachikwereti unenge wabhadharwa neChikamu 80 C.E. hamuna muganhu mukuru; mari inobvumirwa kusvika kumakore masere kubva mugore raunotanga kubhadhara chikwereti.

7. HRA Nekusunungurwa

Imba Rent Lettent (HRA) inohesvurwa zvishoma nemhaka yokubhadharwa chaikoiko, mubhadharo, uye guta rokugara. Kana uchigara muguta remetro, chikamu chikuru cheHRA chinosiiwa. Une maritari yokurenda nependi yemuridzi wehomwe kana rendi inopfuura 761. 900,000. Shick Trave Errance (LDA) inoregwa kumutengo chaiwoiwo (doma) nokuda kwokufamba mukati meIndia – asi nokuda kwenzendo mbiri bedzi mumatura amakore mana. Ronga rwendo rwako kuti uende kundoresa uku kusingapindiri bhiribhurobhuro.

Mutero Wava Kufanobhadharwa – Purogiramu Yokubhadharwa Uye Kuverenga

Ndiani Anofanira Kubhadhara Mutero Mukuru?

Mutero wenhano unoshanda kuvose vateresi vane hwerengedzo yemitero (pashure peTDS) inopfuura 7610 000 mugore remari. Ikoku kunobatanidza vashandi vanobhadharwa nemimwe mari inokosha (sezvinei, mari yamari, mari yokurenda, mabhadharo) uye vanhu vose vanoshanda vamene namabhizimisi. Vagari vemo veko (vane makore 60) vasina mari ipi neipi yebhizimisi kana kuti yebasa vanohesvedzerwa pakubhadhara mutero wapamberi.

Mamusi Akafanira Nezvirongwa

Mutero wokufambira mberi unobhadharwa muzvikamu zvina:

  • 15 June: inopfuura 15% yemitero inofungidzirwa.
  • 15 September: inopfuura 45% yezvinofungidzirwa (mutoro).
  • 15 December: inopfuura 75% yezvinofungidzirwa (chinoparira).
  • 15 March: 100 yezvinofungidzirwa (mutoro).

15 March, vabhadhari vemitero vapi navapi vakasara vanofanira kubhadharwa 31 March. Vabhadhari vemitero vanosarudza chirongwa chokubhadharisa mutero muChikamu 44AD kana kuti 44ADA vanogona kubhadhara mutero wose wapamberi panosvika 15 March. Kukundikana kusvitsa iyi misiano kunokweva fariro pasi peChikamu 234C pa 1% pamwedzi parima duku.

Kuverenga Mutero Wava Kutopiwa

Kuverenga mutero wagara watemwa, enzanisa mari yaunotambira FY, deduct requencess (80C, 80D, zvichingodaro), uye yera mutero semwero yebrocks inoshanda. bvisa TDS yakatobviswa newaunoshandira kana kuti vamwe. Imari ichikwereti chako chemari inofa. Shandisa bhadhari rehurumende bhatiri rebhatiri rebhadhari [[FLT]] pagore kuti udzore. Kana uri muridzi webhizimisi akasununguka kana kuti muridzi webhizimisi, chengeta bhuku remari yemari nemhindu yetsoro.

Munzveri Wokuronga Mutero Wegore

Sezvo gore remari rinoswedera kumugumo (January kusvikira kuMarch), ita idzi nhano dzokuwedzera mari ndokudzivisa zvikanganiso zvokupedzisira:

Maturusi Nezviwanikwa Zvokuronga Mutero

Vakuru Vakuru Vanobhadhara Mutero

Mari yeMitero inoiswa panze pepanomira ngarava ndiyo chisakiso chikuru chokudzosa, kuona Gadziriro 26AS, kunyora, uye kushandisa bharani remitero yakavakwa. Inogoverawo zvirongwa zvemitero yapamberi (Z $380 nokuda kwavanhu vamwe navamwe, ITNS 284 nokuda kwamakambani).

Mabharakitini Emitero Nezvikarakadzo

Masangano echitatu akadai se Specix, COTRU2win, uye Quicdo anopa mabharati omutero paIndaneti nokuda kwedzose dziri mbiri hurumende nebetsero nesheki yedzore. Vazhinji vanogoverawo mativi ezvemari nemifungo nokuda kwemisi yomutero yapachine nguva mberi. Mitengo yemari inobva kumapuratifomu mamwe chetewo inoita kuti usvete mari dzinorindwa uye mari inopinzwa panzvimbo dzinotengwa.

Nguva Yokutsvaka Rubatsiro Rwenyanzvi

Nepo vateresi vazhinji vachigona kutarisira kuronga kwomutero kwenguva dzose, betsero yenyanzvi inorumbidzwa mumigariro iyi:

  • Une manyuko akawanda emari, zvikurukuru mari yebhizimisi inoda mabhuku eakaunzi.
  • Une zvinhu zvokumwe, mari yokumwe, kana kuti uri muIndia (NRI) ane mari yeIndia.
  • Une mhindu huru mupfuma, masheya, kana kuti fungidziro.
  • Unofanira kuongororwa muchikamu 44AB (kuchinja ganhuriro dzakakura zvikuru).
  • Unoda kurongazve mari yako kana kuti muripo webhizimisi kuti uite kuti mutero uve wakanakisisa muhurumende dzose dziri mbiri.

Munhu anobhadharwa (CA) akakosha anogona kupa zano rakakodzera, kuva nechokwadi chokuti haurasikirwi nokusabvumirwa kupi nokupi, uye kubetsera neratidziro kana paine chiziviso chemutero.

Kubhadharwa Kwekusabvumirana

Kukundikana kuwirirana nokubhadhara mutero uye kuronga nguva kunogona kudhura.

  • Mutengo weChikamu 234B: Kana ukakundikana kubhadhara mutero wapamberi (kana kuti muripira musingasviki 90% yomutero unoongororwa), mubereko pa 1% pamwedzi unotengwa parinenge rapanosvika musi wakafanira wechikamu chokutanga.
  • Muchikamu 234C: Kana ukapotsa mitero yapachine nguva mberi yemisi (zvitsama zvemari), mubereko pa 1% pamwedzi kwemwedzi mitatu (kana kuti mwedzi mumwe nokuda kwechikamu chokupedzisira) unobhadharwa pachitsama chemari.
  • Mubhadharo wediregi pasi peChikamu 234F: Kana ukanyora mutero wako wemari yaunotambira pashure pomusi wakafanira (31 July kana kuti 31 October), mubhadharo we76 000 (kuna vabhadhari vemitero vane mari yose inosvika 765,40 000) unoshanda.
  • Nhaka nokuda kwokushuma mari shomanene kana kuti kushuma zvisina kufanira: Pasi pechikamu 270A, chirango chinogona kuva 50% yemari yomutero pamari isingashumwirwi (kana kuti 200% mumhaka dzokushuma zvisina kufanira).

Kuronga misi yaunofanira kusvitsa kunogona kukubatsira kuti usazonyengerwa zvachose.

Kuronga Mitero Yemabhizimisi Nevakasununguka

Nyanzvi dzinoshanda dzimene navanotengesa vanoda unyanzvi hwakawedzerwa. Chengeta mabhuku akafanira eakaundi (bhuku rekash, masherefu) ndokunyora ndyiko dzose dzebhizimisi – rendi, miripo, mari inobhadharwa, kufamba, uye mari inobhadharwa. Ndyiko dzapamutemo dzakawanda dzinoderera pasi pomusoro “Profiti neProficesss kana kuti Mipiro yebhizimisi. Freelancecers dzinogona kusarudza chirongwa chemitero chemitero pasi peChikamu 44ADA kana mari yavo huru ichikwirira kusvikira ku 075% yerakhs uye ivo vanozivisa 50% yemari inodudzwa yebasa. Iyi inodzorwa semari inodzorwa seridzosesa. Zvisinei, kana ukasarudza nokuda kwemitero inobhadharo, haugoni kubhadharazve.

mhedziso

Kuronga mutero kunobudirira mukati megore remari muIndia kunogona kutungamirira kukuchengeta mari kukuru norugare rwendangariro. Kupfurikidza nokugara wakarongwa, kunzwisisa nguva, uye kushandisa zviwanikwa zviripo, vabhadhari vanogona kuva nechokwadi chokubvuma nokuwedzera mitero yavo. Kana uri mushandi anobhadharwa, asingabhadharwi, kana kuti muridzi webhizimisi, chinokosha kuvamba pakuvamba kutosvika mari yako, kuparadzira mari yako pachine nguva mberi, kubhadhara mutero panguva, uye kuchengeta mapepa akasanonyorwa. Nenhungamiro inopiwa munyaya ino nemichina yemichina inowanika, unogona kuchinja mwaka wemitero kubva munhambo yokudzorwa kwechivimbo chemari mune imwe yenguva yemberi.