Ukubonelela ngerhafu ngendlela efanelekileyo kwimfundo nakwezonyango eIndiya

Ukucwangcisa irhafu eIndiya kungaphezulu nje komthambo wonyaka ophela ukunciphisa irhafu yakho, kwaye sisixhobo esinamandla semali esinokukunceda ufikelele iinjongo zobomi ezifana nokuxhasa imfundo yomgangatho wemali kunye nokulawula iindleko ezinyukayo zonyango. Ngokudibanisa utyalo-mali lwakho, i-inshorensi, kunye neenkqubo zokubolekisa ngemali kunye namalungiselelo erhafu akhoyo phantsi koMthetho we-Inonating Tax, ungakha umnatha wokhuseleko oluqinileyo kuwenu nentsapho yakho ngelixa ufaka ngokusemthethweni ityala lakho lerhafu. Eli nqaku livavanya amacandelo angundoqo, iindlela eziluncedo, kunye nexesha elide lokusebenzisa ucwangciso lwerhafu yemfundo kunye nempilo ngendlela esebenzayo.

Ukuqonda Iingenelo Zerhafu

Inkqubo yerhafu yaseIndiya inika iintengiso ezininzi kunye nokungahlawulwa kwerhafu okulungiselelwe ukukhuthaza ukulondolozwa kwemali nokuchithwa kwemali kwimimandla eyingenelo yoluntu njengemfundo kunye nezempilo. Ukwazi amalungiselelo achanileyo phantsi kwamacandelo ahlukeneyo e-Inhootat Act kukunceda ukulungele ukucwangcisa imali yakho, ukhethe iimveliso zemali ezifanelekileyo, kwaye uphephe amacandelo amathathu anxulumene nemfundo kunye nononophelo lwempilo angama-80C, ama-80D, kunye namalungiselelo afanelekileyo phantsi kwecandelo 10(14) kunye neCandelo lama-80U okanye 80DD ukuze ufumane iimfuno ezithile zempilo.

Imigaqo-nkqubo Yerhafu Yemfundo

Ukuxhasa imfundo (-ezenu, ezomntwana okanye ezomntu oxhomekeke kuye) zingaxhaswa kumacala amathathu angundoqo erhafu:

  • [[NTL:0] Ukuququzelela 80C (unyuko ukuya ku-1.5 lakh): Izixhobo eziqhelekileyo ezifanelekelayo ziquka iNgxowa-mali kawonke-wonke (PPF), i-Equity-Contived Savings Semetric (ESS), Sukanya Samdhi Yaja (SY) yemfundo yomntwana, kunye nemali epheleleyo yeminyaka emihlanu ebhankiweyo ebhankiweyo, zingafakwa kwinkcitho yexesha elizayo. Umzekelo, ukunikezela ngelayibhintsho-FF ikhula irhafuthe kwaye inokukhutshwa emva kweminyaka eli-15 ukuze ibhatahliswe iimali zemali zekholeji.
  • Unyuso lwemali-mali ebolekiweyo yemfundo 80E (ebonisa umdla kwimali ebolekiweyo): Akukho cap ephezulu kwintlawulo; ungabiza inzala epheleleyo ehlawulwayo kwimali-mboleko yemfundo kwizifundo eziphezulu (umphanda, izifundo zemfundo, izifundo zomsebenzi ophambili) ezithathiweyo, iqabane, abantwana, okanye umfundi obekukhusela ngokusemthethweni. Imali ethengwayo ifumaneka ngobuninzi beminyaka esibhozo ukususela kunyaka oqalisa ukuhlawula imali ebolekiweyo. Oku kwahlukile kwintlawulo yentloko, ekwanokufanelekela phantsi kwecandelo 80 C ukuba imali ebolekisiweyo yekhaya (eyiyomfundo).
  • Unyuso 10(14) – imvume yemfundo: Ukuba umqeshi wakho unika abantwana imvume yemfundo, unyusela ku-76100 ngenyanga ngamntwana (ubuninzi babantwana ababini) uyakhululwa kwirhafu. Ngokufanayo, imvume yokuhlawula ukuya ku-76300 ngenyanga umntwana ngamnye ikhululekile. Xa ithoba, aba banganikwa ngaphandle kotyalo-mali.

Iingenelo Zerhafu Zokunyamekela Unyango

Iindleko zonyango----ukuhlawula iindleko ze-inshorensi zokukhusela ukuxilonga kunye nonyango oluqatha-ukunyanga-ukungacocisi okufanelekileyo kufanelwe kukuhlawulwa phantsi kweCandelo lama-80D, ama-80DD kunye nama-80DDB.

  • Ukunyusa ama-80D – ezempilo i-Premiums: Ungahlawulisa imali emalunga nama-7625 000 ukuze kuhlawulwe intlawulo, iqabane, nabantwana. Ukuba nabani na kubo ungoyena mmi ukhulileyo (oneminyaka engama-60 okanye ngaphezulu), umlinganiselo uyanyuka ukuya ku-760,000. Ngaphezu koko, ukuba uhlawula inkcitho yabazali (abangaxhomekekanga), ungabiza omnye u-7625 000 (5 000 000) (ukuba abazali bangabantu abadala). Ukuhlawuliswa okunokwenzeka ngaphantsi kwama-80: ukuya kutsho kwi-59,1,200,000 kwentsapho enabo bonke abazali abanobuntu kunye nabekhulileyo. Ukuvavanya ukunyuka kwempilo (abangaxhomekekanga) kulo nyaka wonke), kubandakanya (ukuqinisekisa oku kuthengwa koku kuthengwa koku kuthengwa koku.)
  • Ukuhlaziywa kwama-80DD – Ugcino lobuNcedo: Ukuba uxhomekeke kwisiphene (kuquka i-autism, i-cerebral palsy, njl.njl.), ungafumana uhlaziyo lwe-765 000 (okanye 761,25 000 kwisiphene esinzima). Eli nani lingasetyenziswa kunyango, ukuncancimisa, uqeqesho, kunye nokubuyisela unyango. Akukho siqinisekiso senkcitho ekufuneka; isatifiketi kwigunya lezamayeza.
  • Ukukhupha 80DDB – Deduction for Documental Documents of Protrated Diseases: Ukuncitshiswa kwenkcitho efunyenweyo kunyango lwezigulo ezinganyangekiyo (njengomhlaza, uGawulayo, i-thalassaimia, njl.njl.) ukuzenza okanye ulwelo oluxhomekeke kulowo uxhomekeke kuye. Uthelekelelo oluphezulu ngu-7640 000 (760,000,00,00 000 kubemi abakhulu). Ubungqina boxwebhu obufana nomyalelo kunye neerhafuno buyimfuneko.

Ubuchule bokuqhuba imfundo nocwangciso lwempilo

Kunokuba basebenzise imali egciniweyo yerhafu nosukelo lobomi njengeemele ezahlukileyo, badibanise ukuze benze icebo elisisicwangciso semali. apha ngezantsi kukho iindlela ezisebenzisekayo ezidibanisa imfundo nonyango lwemali ngokunempumelelo.

Icandelo 80C kwiimfuno ezifutshane nezinde

Ekubeni iCandelo lama-80C ligubungela uludwe olubanzi lwezixhobo, khetha ezo zihambelana nemfundo yakho yexesha elizayo okanye iimfuno zempilo. Umzekelo, iSukanya Samriddhihi Yojana yenzelwe imfundo nemfuno yentombi kunye nomtshato; ugcino olufanelekileyo ngaphantsi kwama-80C kwaye inzala ikhululekile. Kwinjongo yemfundo ecocekileyo, imali ye-ELSS ekwimali yeminyaka emithathu yokutshixa okanye yezonyango) ingasetyenziswa kwiminxeba ezayo yomntwana, kunye nemfuno yemivuzo yemali efunyenweyo. Kwizonyango, qwalasela umbango zothutho lwerhafuthelo oluthelweyo olufuna intlawulo oluphezulu ngokwexesha elifanelekileyo, kodwa ulumkile malunga notywala.

Sebenzisani Imfundo Ukuyandisa Icandelo 80E kunye ne-80C kunye

Xa uboleka imali ebolekiweyo yemfundo, inkcitho ephambili ayihlawulwa ngqo (ngaphandle kokuba iyafaneleka ukuba ingaphantsi kwama-80C ukuze ifumane imali ebolekiweyo ekhaya), kodwa inzala ehlawulwayo ihle ngokupheleleyo phantsi kweCandelo lama-80E. Ngaphezu koko, ikhomputhe yemali ebolekiweyo ngokwayo iyalikhulula ikomkhulu lakho, enokuthi ngoko inikelwe kwizixhobo zokufaka irhafu. Umzekelo, kunokuba ihlawule imali yakho ye-PPF okanye i-ESS ukuze ihlawulelwe, thenga imali uze ufune inzuzo engama-80; qhubeka nomnikelo wakho wemali wama-80 C ukuze wakhe umhlala-phantsi okanye umgangatho wempilo. Oku kunceda ukunciphisa iindleko zakho zemfundo.

Yandisa Impilo Yentsapho Phantsi Kwecandelo Lama - 80D

Ngokunyuka kokunyuka kwamaxabiso emali, inkqubo enye ye-inshorensi yempilo idla ngokusilela. Sebenzisa iCandelo lama-80D ukuze uzimele, iqabane lakho, abantwana, kunye nabazali ngokwahlukeneyo. Umzekelo, ungathenga icebo elikhulu lokuhlawula intsapho yakho ngengozi (premium engaphantsi kwama-80D) kunye nenkqubo eyahlukileyo ye-inshorensi yempilo yabazali abadala ukuba bafumane umda ophezulu we-750,000. Kwakhona, ukuba umqeshi wakho unika isigqubuthelo sempilo yeqela, usengathenga inkqubo yobuqu yokufuna izincono, logama nje unokuzihlawula ngokwakho. Uvavanyo lwempilo (555 000) lukhuthaza ukuba abazali abadala bafumane umlinganiselo ophezulu we-mali othengwayo ngonyaka wonke amalungu entsapho ukuba afumane iingxelo zemali ezincinane kwaye anciphise iindleko zexesha elide.

Uqeqesho lwecandelo 80U kunye ne-80DD ukwenzela ucwangciso lokungafezeki

Ukuba wena okanye ikhoboka lakho linesiphene, uhlaziyo oluthe tyaba phantsi kweCandelo 80U (lokuzixhasa) okanye 80DD (lokuxhomekeka) lunceda ukunqanda ukuqhubekeka kwezonyango, uqeqesho, kunye neendleko zokondla. Eli xabiso livumelekile nokuba inkcitho yokwenene, ukulenza libe yingenelo ecacileyo kwirhafu. Ukongeza, ugcino okanye intengo emiselweyo ebekwe phantsi komthetho weSizwe wokuThembela iZibonelelo ingasetyenziswa ukunyamekela ixesha elide. Khangela imigaqo esebenzayo kunye nokufumana isatifiketi sokukhubazeka esiyimfuneko kwibhodi yezamayeza eyaziwayo ukuba ufumane ezi zincopho.

Iziqinisekiso zocwangciso lwerhafu oluqhubela phambili kusukelo lweMithetho emide

Ngaphandle kwentengiso esisiseko, ucwangciso oluntsonkothileyo lubandakanya ixesha, iingenelo zabaqeshi, namaxwebhu afanelekileyo ukuze kunyuswe umlinganiselo wokonzakalisa.

Ukuchitha Ixesha Elifutshane Lemali Neendleko

Imali ehlawulweyo yerhafu isekelwe kunyaka wemali ohlawulwa ngawo okanye ohlawulwe ngawo. Kwiinshorensi yempilo, ukuba uhlawula imali ehlawulelweyo ngoMatshi ngonyaka ozayo, ungayifaka kwimali ye-FY ekhoyo. Ngokufanayo, inzala yemfundo ibhatalwa ngonyaka obhaliswe ngawo. Ukuba ingeniso yakho itshintsha-tshintsha, qwalasela iindleko ezidiweyo zokwenza inkcitho yempilo yeminyaka emibini ngonyaka omnye ukuze uhlawule intengo ephezulu xa isiqwenga serhafuthezo sakho serhafu iphezulu. Kodwa qinisekisa ukuba imigaqo ivumela ukuhlawulwa kusengaphambili.

Umqeshi Osebenzayo Uyingenelo Kuyo Yonke Imali

Abaqeshi abaninzi banikela iiplani ezibhetyebhetye apho unganika khona iinxalenye zomvuzo wakho olungele ukuhlawulwa irhafu ukuze unciphise imali yemfundo yabantwana (ukuhlawulelwa i-10(14), imbuyekezo yezonyango (ukuya kuma-765 000 phantsi kolawulo lwakudala), okanye i-inshorensi yempilo njengenxalenye yeqela le-mediclaim. Ngokukhetha i-CTC yakho ngokufanelekileyo, unganciphisa ingeniso ehlawulekayo ngexesha ulawula imali ekhokelwe imfundo nempilo. Umzekelo, ucela imali engakumbi yezonyango uze uyisebenzise ukuhlawula imvume yomntwana wakho (ukuba umqeshi wakho) inokuba ikho irhafuthelwe imali emalini.

Uxwebhu Olungagqibekanga

Amagosa erhafu asoloko ecela ubungqina bokuthengwa kwezincopho ezichaziweyo. Kuma-80D, gcina iirisithi ezithengiweyo, amaxwebhu enkqubo, kunye neendleko zokukhusela impilo. Kuma-80E, gcina imvume yokubolekisa, iziqinisekiso zenzala, kunye nokuhlawula ii-lisithi. Kuma-80DD/80DDB, gcina iisiqinisekiso zonyango kunye namatyala. Ingxelo ecwangcisiweyo (yokwendalo okanye amanani) igcina ixesha ngexesha lokufaka ikopishela nokunika ukhuseleko xa kukhangelwa. Sebenzisa iindleko okanye icandelo elilula lokulungisa ingeniso

INgxelo yezeMali yeNkcubeko yeNkcubeko yezemfundo nezoNkcubeko

Ukuceba irhafu akumele kupheleliselwe kunyaka omnye; kufuneka kube yinxalenye yeqhinga elisetyenziswayo ukuxhasa iziganeko ezingundoqo zobomi ezifana nemfundo ephakamileyo yomntwana nonyango lwempilo oluthatha umhlala-phantsi.

Ukuhlelwa Kwemali Yemfundo Yabantwana

Ukulinganisa ukunyuka kwexabiso lemali yemfundo eliphakathi kwe-8-10%, ukuqala kwexabiso lemfundo, kubaluleke kakhulu. Sebenzisa umxube wezixhobo zokunyusa irhafu ezifana ne-PPF (ikhuselekile, ixesha elide), i-ESS (ibhampa-ilokhwe, i-oyile-in), kunye ne-Sukanya Samriddhishi kumntwana ozalwayo. Ukudityaniswa kwemali yokuqala kwiminyaka embalwa yokuqala yobomi bomntwana ukuze andise inzuzo yama-80C, aphinde asebenze. Umzekelo, ukunikezela nge-61.5kh le-PPF ngonyaka kunyaka wonke kuzakuvelisa ii-corpu ezimalunga ne-lanukh 18 emva kweminyaka e-18, ezigqugqityelweyo, ezinokusetyenziswa ngomdla wemfundo ephezulu.

I-Compus yoMhlala-phantsi wezeMpilo

Iindleko zonyango kubudala zinokukhupha imali egciniweyo. Sebenzisa iCandelo lama-80D ukuthenga inkqubo ye-inshorensi yempilo ebanzi enemali eninzi ekhutshelweyo (7610 lakh okanye ngaphezulu) kwaye ucinge ngomkhweli ogulayo. Kwakhona, ukuhlawula kwiNational Pension System (NPS) Ndinganikela ngeminikelo efanelekayo ngaphantsi kwama-800,000 (1B) (iiimali efunekayo emalunga nama-800,000). Ngexesha i-NPS ifaneleke kakhulu ukuyeka umhlala phantsi kwama-80 000). Ngexesha elininzi i-NPS i-ekhombatha yokurhoxaza (iiiiiiimali elungiselelwe ukugcinwa kwemali emali ekhoyo) kodwa i-mali enikezelweyo yokuhlawula imali esetyenziswa yimali elungiselelwe i-mali okanye i-octiveswords.

Ukumanyana Nerhafu Entsha

Ukusukela ekuqalisweni kolawulo olutsha lwerhafu (ngokuncitshiswe kwexabiso kodwa kungekho zincopho), kufuneka ugqibe ukuba nguwuphi urhulumente oya kuyifanela imfundo yakho kunye neenjongo zempilo. Ukuba utyalo-mali ne-inshorensi yakho ngaphantsi kwama-80C, 80D, 80E, njl. njl., isimbuku singaphezulu kune 762.2/5, urhulumente omdala unika irhafu ephantsi. Ukuba uceba irhafu yonyaka ngamnye, njengoko unokuzitshintsha phakathi kolawulo (ongookade bani kwimithetho). Umzekelo, ukuba unenzala enkulu yemfundo kwaye uhlawula imali ephezulu, urhulumente omdala usenokuba ungcono. Kodwa ukuba uneendleko ezimbalwa, urhulumente omtsha unokuthobela. Ceba ulwazi lwakho kunye nokuchitha impilo yakho ngokomzekelo, qwalasela umdla othile wolawulo lwakho kunyaka omdala.

Ukuzidibanisa: Isicwangciso Esingumcimbi

Ngokomzekelo, khawucinge ngogqirha oneminyaka engama-40 ubudala neqabane, abantwana ababini (ngeminyaka yesi-6 neyesi-8, kunye nabazali abakhulileyo. Injongo kukuxhasa imfundo ephakamileyo yabantwana nokuqinisekisa ukuba bonke abantu bafumana inkxaso-mali yempilo.

  • Ingeniso: Investi 7680 000 ngonyaka eSukanya Samriddhihi yentombi kunye ne 7670 000 e-ELS kunyana (Utshintsho 80C iyonke 761.5 lakh). Thatha imali ebolekisiweyo ye-1910 lakh yentombi emva kweminyaka elishumi elineshumi elinesibini; umdla, uthi, u-180,000 ngonyaka uzakuba phantsi kwe-800-80E kunyaka ukuya kufikelela ku-8.
  • .Health: Thenga inkqubo yentsapho yokudada (wethu +spouse+kids) ngonyuso 7620 000 (unyuso 7620 000 ngaphantsi ko 80D). Thenga inkqubo ephezulu yabazali enemali engama-760,000 (umlinganiselo ophezulu). Kwakhona, fumana ukhuseleko lwemiba-ephakamo ye-'awulweyo' kunye neqabane lakho (4 000 upheleleyo) – phakathi komlinganiselo wonke wama-80D). Uthengiso lwempilo olupheleleyo: 0,0,60.
  • [[NTL:0] Imali edityanisiweyo: Igalelo 760,000 kwiNPS (imali eseleyo 80CCD(1B)) uhlahlo-lwabiwo-mali lwabazali lwezonyango phantsi kwe-80DDB ukuba kukho nasiphi na isifo esicacisiweyo – ukuya kutsho ku-761,00 000.
  • [[NTL:0] I-Result: Iyonke intlawulo phantsi kolawulo oludala: 761.5 lakh (800.000) + 7680 000D + 080 00080E) + 050 000 CCD1B = 763.4 lakh. Ukugcinwa kwerhafu kunokuba ngaphezulu kwe 760,000 ngonyaka. Oku kunciphisa ngqo irhafu ngaphandle kothutho, imali ekhululekileyo enokuthi ibuyiselwe kwimpilo nakwimali yemfundo.

Iimpazamo Eziqhelekileyo Ofanele Uziphephe

Ukulungiselela irhafu ngokunempumelelo kwimfundo nakunyango kufuna ukuba uphephe imigibe:

  • Ngokukhangela icandelo 80E: Abantu abaninzi bajolise ingqalelo kuphela kuma-80C kwaye baphoswe intlawulo engenamda kwinzala yemfundo. Qinisekisa ukuba uthathe imali ebolekiweyo nokuba uyakwazi ukuyihlawula, ukuze ufumane le nzuzo.
  • Ukungathengi i-inshorensi yempilo yabazali: Umlinganiselo ophezulu wabemi abaneminyaka engaphantsi kwama-80D ulithuba elibalulekileyo; ukungahoyi kushiya imali etafileni kwaye kushiye abazali besengozini.
  • Ukungenisa kwizixhobo ezingama-80C ngaphandle kolungelelwaniso: ngokufihlakeleyo utyalo-mali nakweyiphi na imveliso engama-80C ngaphandle kokufanisa ulundi lwemali nemfundo okanye iinjongo zempilo zikhokelela ekuthatheni indawo engalunganga. Umzekelo, iminyaka emihlanu iFD ayinakudibanisa ngokwaneleyo kusukelo lweminyaka eli-15 yemfundo.
  • Ukuqinisekisa ukugcina isiqinisekiso: Ukulahlekelwa zi-risithi ezinikezelweyo okanye iziqinisekiso zemali-mboleko zingakhokelela kwincopho ezingafunekiyo ngexesha lohlolo. Gcina iikopi zamanani kwaye ugcine incwadi ebhalwe “Ubungqina be Tax – Imfundo & Health.”

Isiphelo

Ukulungiselela irhafu yemfundo kunye nokunyamekela impilo eIndiya akuthethi nje ukucutha irhafu yonyaka okhoyo, kodwa kukulungele ukwakha isiseko semfundo ephezulu yabantwana bakho, kunye nokuqinisekisa ukuba wena nabazali bakho ningabakho ngethuba elide. Ngokuzeleyo icandelo lemali elingu 80C, 80D, 80E, kunye nemimiselo enxulumene nayo, ungawuhlisa ngexesha elinye umrhumo wakho werhafu, uqokelele ikhofiti yemfundo ephezulu, uqokelele i-computerssss yemfundo yabantwana bakho, kwaye uqinisekise ukuba ufanele uthelekelele intlawulo lwempilo yakho kunye nabazali bakho. Isitshixo semali yakho kuseko, ulungelelanise iinjongo zakho zobomi, kwaye uphinde uphinde ucebe ucebe ngenye yonyaka wemali okanye umrhafuzo ogunyaziweyo, imo yemali, imombo elungele ukuzuza ingeniso, kunye nokuyithanda kwakho irhafuthenjiswa kwemali eninzi.

Iinkcukacha ezithe kratya, bhekisa kwi webhsayithi yeSebe lerhafu elisemthethweni elingenisayo www.in cometax.gov.in kunye namaxwebhu atsha ohlahlo-mali. Ungahlola izikhokelo ezibanzi kwi uDSD [ kunye [FLT:] kunye [FLT]]