Section-80Cஇல் 14 வழிகளில் முதலீடு செய்யலாம் | Income Tax Savings - Complete details
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- Опубликовано: 28 май 2021
- In this video, we have highlighted the importance of section 80C and gave a overview about various options under 80C. We broadly categorized them in to 4 types
A) Guaranteed Return - Low Risk Investments
1. Employee Provident Fund (EPF) - • Employee Provident Fun...
2. Public Provident Fund (PPF) - • Public Provident Fund ...
3. Sukanya Samriddhi Yojana - • Sukanya Samriddhi Yoja...
4. National Savings Certificate
5. Senior Citizen's Savings Scheme
6. Tax saving Deposits
B) Market linked - Moderate Risk Investments
7. National Pension System (NPS) - • NPS is Tamil | Nationa... (In NPS age limit has been increased to 70 years from Aug 2021)
8. Equity Linked Savings Scheme (ELSS) - • ELSS - Equity Linked S...
9. Infrastructure Investments
C) Insurance linked Products
10. Term Life Insurance
11. Life Insurance Endowment Plans - • What is ULIP and Guara...
12. Unit Linked Insurance Schemes (ULIP) - • What is ULIP and Guara...
D) Others
13. Housing Loan Principal Repayment
14. Children's Tuition Fee
Complete details on 80C: • Section-80Cஇல் 14 வழிக...
EPF in Tamil: • Employee Provident Fun...
PPF in Tamil: • Public Provident Fund ...
NPS in Tamil: • NPS is Tamil | Nationa...
ULIP/LIC & money back plans: • What is ULIP and Guara...
ELSS: • ELSS - Equity Linked S...
Sukanya Samriddhi Yogana: • Sukanya Samriddhi Yoja...
Comparison of 80C: • Section 80C Comparis...
Watch our income tax series - Calculation, old vs new tax regime, HRA, Income tax savings, Section 80C and more: • HOW TO CALCULATE INCOM...
Watch Sharemarket for beginners series: • Basics of Share Market...
Subscribe to our channel: / @thinkingtamizha007
Note that age limit for NPS has been increased to 70 years from Aug 2021
EPF in Tamil: ruclips.net/video/RslX1344Bfc/видео.html
PPF in Tamil: ruclips.net/video/I9UTR3kB01Y/видео.html
Watch our income tax series - Calculation, old vs new tax regime, HRA, Income tax savings, Section 80C and more: ruclips.net/video/wtriages-KQ/видео.html
Subscribe to our channel: ruclips.net/channel/UCKRoPe88rn7xeal8ubZ0tFw
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Bro, today 8th December, I’m watching this video. You’re doing extremely well bro. This video needs 10 million likes. I watched many videos like this. But this one is clearly explained and your PPT presentation is marvelous. Particularly your thamizh pronunciation is awesome. Keep doing this social awareness. You gotta new subscriber.
Thanks for your kind words brother!! :)
Waiting for the video which will cover the additional tax deduction in Employee contribution.
Very well explained. Superb detail. 👏
Great sir. Simplified explanation. Very useful
Nice explanation for all level people's. Thank u so much
Super explanation thalaiva ! Continue this kind of videos...
Thanks for giving a very detailed information bro.
Keep rock 🎉
Content delivery of your videos are very good. All the best.
Good and clear explanation👍
Awesome explanation. Subscribed. Thanks bro.
Very nice video ; Thank you
Really great work bro!
Super sir very clearly explained 👏 👍
Very very Useful video.
Good and informative video 👍🏻
Subscribe பண்ணிட்டேன் super video
Very beautiful content. Thank you bro. Keep posting
Thank you!! Please share with your friends.
Very helpful thanks 👌🤗😚😘😘😘😘
Simple and super
Superb.🔥
Anna thankyou so much very clear explanation. I got a job
Brother super
Thanks
should be helpful for young people who are entering tax bracket ...Good JOB
Thanks bro
Speak about Postal Life Insurance
Super Anna
In the NPS shall i withdraw after 5 years locking period? is it taxable ?
Sir gud mrng. Veedu kattitu irukken. Wood vangum pothu GST potanga. Intha amount deduct panna mudiyuma? Entha section la pannalam
Is 80c applicable for 5 year tax saver fd of banks? With it can we claim 80ttb deduction of 50000 for fd interests?So total of 200,000 deduction(for senior citizens)
1.5 lakh போட்டாலும் அல்லது 10 lakh போட்டாலும் 1.5 லட்சம் தான் deduction செய்ய முடியும் என்றால் வெறும் 1.5 lakh மட்டும் போட்டால் அந்த 1.5 lakhஐ "annual gross income" லிருந்து deduction செய்ய முடியுமா?
Yes. your taxable income will reduce correspondingly..
Please, upload video, step by step process tds file return, on salaried
When to choose the above one? I mean now 2021 t0 2022 is completed. Shall i start in invest in any one of them? Or 2023 only have to start
Good i gave like
what about RPLI rural postal life insurance will it cover in 80c under which category
Under 80c FD what is the lock in period, how do select the lock in period, I have normal FD is that under 80c
Bro can u talk about bond investment, will it come under tax saving option
Salary increase aana tax deduction percent increase aaguthu. But intha deductions limit mattum 1.5L for 5L salary and same for 10L salary. Ithu enna pa niyayam.
Bro etha vena avail pani section 80c la tax reduce panikalam soluranga ana antha 150000 matum tha namaku basic pay la less aguma
Hi bro.i have already invested in HDFC LIFE SANCHAY PAR ADVANTAGE(Insurance + debt bond) and paid my premium for 1 year..What can I do now?? How to come out of it , without losing my capital
Wait for upcoming video
Plot loan stamp duty show in tax savings?
Thala ! Super video ! But if possible, make a video on when to submit IT declarations to claim deductions ? We have to submit during starting of financial year or ending ?
Also, another doubt. If a salaried employee is submitting 12BB to the employer, is that enough to avail tax exempt or do we need to file in any of the Income tax websites also ?
Hi. If you submit your 'declarations' to employer before the deadline at the start of the year. Generally, employers ask to submit 'proof of your declaration' in Dec or Jan months. You must submit the proofs by then. if you miss submitting, you can get it corrected only when you file tax returns.
@@thinkingtamizha007 So only if we miss to submit declaration to employer, we should file for tax return by ourselves Unless it will be taken care by employer.
@@alexchristopherj6466 No. Income tax return is for Govt and it is must irrespective of you submitting right proofs with employer. It is not optional. If you make any mistakes in tax declaration with your employer, there is an option to correct while filing returns. But if there is a need to pay additional taxes when you file returns, penalty will be applicable
@@thinkingtamizha007 Thanks much ! Got it cleared.
Hi bro, Tq for caluable info, Whether all schemes like NPS, NSC, ELSS, EPF includes of total of ₹1.5 lakhs or each schemes like
Eg: NPS - 1.5 lakhs
NSC - 1.5 lakhs
ELSS - 1.5 lakhs
Everything put together 1.5L..
Great video ! Is Post office term deposit for 5 years comes under 80c also ?
Yes. Investment under this will come under 80c. But interest from deposit is taxed
Bro PLI idhula varuma?
Can we start ppf in icici bank
In the new tax regime, Sec 80C and 80D and several sections in Chapter VI A, has no relevance
Obviously.. its only for old regime..
Ramasamy i believe
Can I invest in multiple investment . Will that give me more tax exemption or standard 1.5lakhs maximum according to section 80 c
Max 1.5 L deduction from taxable income.. nps will give 50k more.. watch all our videos on 80c., you ll get clear picture
1. Employee contribution 1.5 L., 2. Employer contribution 1.5 L
Very nice explanation 👍 awsome.
Sir PLI postal life insurance premium monthly 2k pay panren
25 to 45 age 5L potten return 10.2L varum 45th age la.
Now my age 30 salary 11L per annum aptina epti tax pannanum. 45th age vara return ku evlo tax katta vendi irukkum. Bcz vara returns la nerya tax la poiduma athu epti bro?
@THINKING TAMIZHA
Education loan???
Nsc scheme explain
Share market and normal mutual funds la investment amount income tax deduction la add aguma bro under 80c la?
No
Hi bro 234000p.a salary ithukku eppadi tax varum details sollunga bro
Very well explain and teaching bro. All investment category your explain is good and knowledgeable but same lic endowment plans premium and returns you said wrongly. Please go and check and teaching to all . If you want please chat me I'm explain you bro. Thank you
What is wrong in this, pls explain.
வணக்கம் நண்பரே.... இன்றைக்கு Feb 4th நான் இதுவரைக்கும் காதினால் மட்டுமே கேட்கப்பட்ட வார்த்தைகளுக்கு (EPF, PPF, NPS ELSS,)நான் புரிந்துகொள்ளும் அளவிற்கு உங்களுடைய பதிவு இருந்தற்கு உங்களுக்கு நன்றி.....
எனக்கு வயது நாற்பது(40) Tax exemptionகாகனு இல்லாமல் வயதுமுதிர்ந்த பின் பயன்படும் வகையில் இருக்க எந்த Schemeல் Invest பண்ணலாம் உங்களுக்கு நேரம் இருந்தால் அறிவுருத்துங்கள் நன்றி.....
உங்களது காணொளி மூலமாக எனக்குள்ளே உந்துசிந்தனையை ஏற்படுத்தியதற்கு நன்றி.....
Please watch all our videos on 80c.. you ll get a very clear picture
Sec 80 C many options but total eligible deduction is 150000 only whatever be invested Well explained Take other sections and explain in another video All such deductions only in old regime Not in new regime Pl insist at first
We have video for other sections, pls explore our channel for more tax saving ones
Bro I have one doubt...na bank la work pandraen...na already lic & Tax saver FD 1.5 investment pannittaen....enak monthly nps deduction irukka salary la.. so na additional la 50k exemption kaatta mudiyuma...
NPS la 50K and total 80C 2 lakh varudhu na you can show
Total salary 1.50lak mattum than 80c panna mudiuma
Sir 80c la health insurance potutuntha tax benefit kidaikuma
80D la kedaikkum.. in old regime only..
80 CCD 1B
PPF la monthly pay pananuma, ila yearly pay pananlama? Post office PPF scheme la panalama?
All answers about PPF in this video ruclips.net/video/I9UTR3kB01Y/видео.html
Can we get 3L tax saving using 80c if I use 3 or 4 option ..?
No. Max 1.5l
Additional income of 50000/- can be used as tax saver via NPS scheme.
Totally 2lacs
Already mentioned this in video when we explained NPS. It is under section 80CCD.
@@thinkingtamizha007 so total deduction 2 lacs
Additional EPF detuct panna solli employer kitta sollalam
That is double EPF detuct
Can anyone explain what is ELSS mutual funds & normal mutual funds?
ELSS - Equity Linked Savings Scheme in tamil | Section 80C investment | ELSS vs PPF vs NPS vs EPF
ruclips.net/video/9upZSyPl0vs/видео.html
Bro can i get exempt upto 3lakh, if I invest both ELSS and PPF under 80C
No. Max 1.5 L only
Ennaku PPF suit agum...nanpaa
Bro nan September oru company la join paniten bro....16 LPA. Package. But financial year march la mudiyudhula... So per anum 16L apdinu... Consider pani dan tax calculate panuvangala...... Indha year ku 7 months dana yenaku iruku
Before Joining whatever income you had + After joining income till end of financial year (31 mar 2022)
Hi bro 80c la vara edhachu onnula tha naama invest pannanuma illa ellathulayum invest pannalama
Ethana invest vena pannalam.. but tax benefit ku only 1.5L investment eligible
LIC insurance and Term insurance rendumae claim panna mudiyuma?
Yes
Bro ipa ppf la monthly 500 potutu oru 2 yr kalichu atha 1000 ah change pana mudiyuma
Yes possible.. watch the video below to know interesting things about PPF
Public Provident Fund - PPF in Tamil | All Details of PPF | SAFEST INVESTMENT OPTION
ruclips.net/video/I9UTR3kB01Y/видео.html
Hi bro, nice video. I have one doubt. Epf la employee contribution around 60k per year deduct panranga. And Nan ppf la 1.5 lakh contributes panren. Nps la 50k contribute panren.
So enakku evlo 80c and 80ccd tax exemption kedaikkum bro
Nps tier1 accounta???
@@thinkingtamizha007 ama bro
Bro 80C la ithula evlo potaalum max 1.5 lakh ku tha tax benefits ah .?
NPS la additional Rs 50000 deduction undu. So 1.5L+0.5L = 2L
EPF details wanted
ruclips.net/video/RslX1344Bfc/видео.html
EPF
Bro 11.5lakhs ku epdilam tax save panalam.. Edum EMI ila
ruclips.net/video/ImmsFdx2ijk/видео.html
In this video we have discussed most of tax saving options
Future la 80c la ulla amount change agumaa... increase or decrease ex (1lack or 2lack)
Theriadhu bro!! Depends on Govt decision.. next loksabha election time la change aagalam nu nenakiren.. but no one can predict
@@thinkingtamizha007 decrease vaipu illa.. because 1.5 lack la easy ah than kaila varum...pappom may increase vaipu than irukum...appram unga video 13 ippo ore naal pathean...
Sir enaku oru dout na tax bracket 5 Lakh kula iruntha 80c poga venamla sir. . Incase mutual fundla 10% tax pay panalum 5lakh kula income irupathal tax returns ah claim pannikalam ma. .
Mutual funds kum income tax on salary kum sambandham illai brother.. If you want you can go for Mutual funds, it clearly your choice. Below 5L taxable income, there is rebate under 87A
ok thanks sir enaku clear agiduchi, again small dout
Na mutual fund la 5 yearsku sip podran e.g. total amount invest 1.2lakh , profit 2.5 lakh 1st 1lakh tax applicable illa balance 1.5 lakhs ku LTCG Tax applicable epadi process agum 10% tax deduct panitu redemption la credit aguma or manual ah ITR la file pananuma sir. .
Hi Bro, I am working in corporate. So far I didn't pay any TAX because of Home Loan (Since my CTC was within 8LPA). Now, I have got better opportunity in other Corporate with 20LPA. I don't have any knowledge to save my tax. Are you available for consultation? looking forward.
Sorry. We dont do tax consulting.
Have you got any better guidance
ellathuayum tax exemption 1.5L kidaikum ahh or total 1.5L laaaa
Total
Now age limit for nps is upto 70 years. Why you didn't mention
Age limit was changed to 70 years in Aug 2021. But the video was released in May 2021.
Kuppusaami
If ppf and epf both seperate im saving 1.5L in total 3L is i can save from 80C ?
You can.. but tax benefit only for a total of 1.5L
@@thinkingtamizha007 thanks for the information 🙂
VPF bro
Bro, am bachelor working in Chennai, if I avail HRA but House owner not giving rent receipt means , then how I avail HRA.. hope u understand my question..
Usually receipts are required. However you can check with your employer or a charted accountant on alternate options.
@@thinkingtamizha007 thanks for ur reply
Till 8300 , you need not any proof.. just rental agreement or 1 rs revenue stamp with rent receipt is accepted
@@PONNARSELVAKUMAR thanks bro
@@PONNARSELVAKUMAR suppose if we show 20k/ month in HRA what are the things we need to show
Ramasamy
But 80C maximum save 1.5L only right ..?
Yes
Ramadamy
Why you did not mention Tax Saver FD?
it is mentioned. timeline 12:13
6:45 VPF?
Yes !
No brother. VPF is a pure employee contribution capped at 1.5 L
Hi I am 54 years now
Is it a good idea to invest in LIC endowment plan for life insurance and saving since shares of LIC are going public now?yes or no please
No madam. Endowment plans are not good investments in my opinion. Watch this video ruclips.net/video/4NAviRROgGE/видео.html. Also please consult one trust worthy finance expert before investing. DO NOT consult any insurance agent or LIC agent. Please DO NOT put your hard earned money in endowment plans. You ll get 4-6% returns only.
You ll get better returns in ppf..
Kuppusamy high returns
Kuppuswamy
My age 16 please reply
Don't get you.
Hi bro,
Your videos are very useful. Thanks for your content.
I have invested in ULIP 7340rs monthly and it helps me in tax savings. Do you think the term insurence can be better than ULIP and we can use other instruments for 80c benefits?
Kindly suggest bro
Generally I avoid ULIP as it has so many charges and it reduces returns.. So I prefer Term insurance and many other instruments like PPF, EPF, NPS, ELSS are far better than ULIP and endowment policies.
I suggest you watch this video on ULIP and Endowment plan and take your own decision - ruclips.net/video/4NAviRROgGE/видео.html
@@thinkingtamizha007 is it possible to opt EPF again since its already included in salary deduction for me as like every salaried person. I feel EPF is better as no locking and allowed for partial withdrawal.
@@thinkingtamizha007 its very clear bro, thank you
I am going to discontinue my ulip and focusing on index funds instead.
But how to take proper and right term insurence for death and disability protection
@@thinkingtamizha007 thanks a lot for taking your time to respond
200000
Hi anna, yenaku ungalooda help venum
Naa ippo romba confuse aaitean
Yenaku kathu kudunga please and naan fees kooda pay pannurean...
Was running for the money Bec of family
But, don't know anything about these. Please please help na
You can watch all our you tube videos!! Idhu basic.. next level mudhaleetukalam an money pechu channel parunga.