Income Tax देने के साथ Retirement के लिए कैसे करें बचत?

[{"selector":"#anim-d7275483-b0e6-4237-8db5-4e55fc0bde0b","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4364bc53-c678-4efe-ae0c-a9d9e5e4416d","keyframes":{"transform":["translate3d(0px, 125.69776%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6e7740ad-3db5-496d-8839-8e3c1f654ba7","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b505e87a-cd7e-4712-9170-a629f8ae71c1","keyframes":{"transform":["rotate(-360deg) translate3d(0px, 195.48614%, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] by Roopali Sharma | JAN 22, 2025 Image Credit: Canva

टैक्स का समय नजदीक आने के साथ, आप सोच रहे होंगे कि अपने टैक्स के बोझ को कम करते हुए अपने पैसे को अपने भविष्य के लिए कैसे इस्तेमाल करें

[{"selector":"#anim-cba378f1-2dfe-4eaf-9388-cc3e3e625f9c","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-226be39c-9099-4b32-a602-bdcf6c829158","keyframes":{"transform":["translate3d(0px, 131.47146%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f2d255f1-21bb-47b6-a9da-5a485f6a6df6","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-67fe827b-edd2-48b9-b5f6-2ff131bec44d","keyframes":{"transform":["translate3d(0px, 140.36816%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Image Credit: Canva

Financial Advisor की सलाह है कि आपको हर हाल में 30 साल की उम्र से अपना रिटायरमेंट प्लान करना शुरू कर देना चाहिए. इससे आप बड़ा रिटायरमेंट फंड बना पाएंगे

[{"selector":"#anim-6a506135-c88d-473b-bff3-b78bf26412b1","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dae99542-aaff-4e20-8712-c7c78afa91af","keyframes":{"transform":["translate3d(0px, 131.47146%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bd7d6d98-309b-4ea0-a2c1-7dbd3e463822","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ddb947bd-f8cd-459b-a553-998c8b6a4379","keyframes":{"transform":["translate3d(0px, 140.36816%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Image Credit: Canva

यदि आप प्रति माह 45,000 कमाते हैं और उसमें से 15% Retirement Annuity में योगदान करते हैं, तो आप कर पर लगभग 26,000 की बचत कर सकते हैं

[{"selector":"#anim-690abbd1-4dbe-4f09-9e36-fa3c23387afe","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-13ed45fa-f090-4f52-8c79-b5dede93f642","keyframes":{"transform":["translate3d(0px, 126.22622%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b967b19b-9403-4d0f-b6e5-debe974c999e","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9563eb07-38df-4cae-a0cd-9c55e83bcffb","keyframes":{"transform":["translate3d(0px, 140.36816%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bf55bd14-7968-4581-bd43-4277e4b73db6","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-be1d692c-0bad-4fb4-a4aa-d22c359cdab2","keyframes":{"transform":["translate3d(0px, 1037.86053%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Image Credit: Canva

आपके सभी Retirement Fund पेंशन, प्रोविडेंट और Retirement Annuity पर लागू होता है; ये अतिरिक्त योगदान भविष्य के वर्षों में भी लागू होते हैं

[{"selector":"#anim-e8c836e9-1d99-426d-aba6-1cc9e9b64275","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3b826ae3-547f-43e8-9a77-6c09d0b3d8cf","keyframes":{"transform":["translate3d(0px, 126.22622%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a7094d4b-58f9-4e7e-84f3-b3fc903418d3","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-611cf968-76fd-4588-956f-cddff800ab6f","keyframes":{"transform":["translate3d(0px, 140.36816%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b8b2841b-f70d-42fe-b0ef-f00a0ff1104a","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-43d04348-73dd-4cbb-8441-7fa6a2c3a43b","keyframes":{"transform":["translate3d(0px, 1037.86053%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Image Credit: Canva

जब आप अंततः रिटायरमेंट में इन बचतों से पैसे निकालते हैं, तो आप अभी की तुलना में कम टैक्स रेट का भुगतान कर सकते हैं

[{"selector":"#anim-f1b240d6-a985-422c-8db7-ff9019d4c9e5","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-77d1411d-6db4-4a15-9c15-1efc8fbc1e96","keyframes":{"transform":["translate3d(0px, 128.96628%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-388f2f6b-4b2f-4592-bc13-0ffe087e373f","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d8bfe6ee-15f5-4e8e-82fd-965bdbf56fe8","keyframes":{"transform":["translate3d(0px, 149.09380%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b2fb5487-0676-4715-8b2b-183309ab87d2","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-009baef8-6385-4a57-bbf4-2bcb6cc2d0f1","keyframes":{"transform":["translate3d(0px, 915.63838%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Image Credit: Canva

मॉर्निंगस्टार का अनुमान है कि Local High Equity पोर्टफोलियो पर ‘Tax Burden’ सालाना लगभग 1.2% है

[{"selector":"#anim-94d0a7d5-cbd4-488c-9754-2585c006eba5","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-be05e25f-3d7a-432f-9f57-03f2fdaec4e7","keyframes":{"transform":["translate3d(0px, 133.26984%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-71c43936-c64a-4c27-95bb-f4ff1e8ef14e","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f5cc970b-f3ae-42f6-920e-4fed336e2074","keyframes":{"transform":["translate3d(0px, 160.91266%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0b4b0b2f-bdff-430a-847f-fea9ec900deb","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b7233e8a-a5aa-4b9b-9ded-fec3dfcaa79b","keyframes":{"transform":["translate3d(0px, 823.04569%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Image Credit: Canva

आप अपनी सभी आय का हिसाब रखते हैं, जिसमें वेतन, किराये की आय, साइड हसल्स या किसी अन्य प्रकार की आय शामिल है

[{"selector":"#anim-31654738-7951-485e-ba4e-c267d8e915f5","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b548dade-0d91-4e8a-86ae-0ea4f3d63bce","keyframes":{"transform":["translate3d(0px, 129.70521%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-71e70285-d2bb-4943-b64c-6c88e650bf16","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4475854c-d235-4ac7-9cb2-da1244f916e4","keyframes":{"transform":["translate3d(0px, 148.38459%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a5bcb55a-9de4-4b3b-9be6-17b44ba958e0","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7aa9a4e5-d964-415c-b41a-8adb39ecd698","keyframes":{"transform":["translate3d(0px, 911.93450%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Image Credit: Canva

ऑटो असेसमेंट पर आपको आँख मूंदकर स्वीकार करने की ज़रूरत नहीं है. डेटा में त्रुटियाँ आम हैं, इसलिए हमेशा Details की दोबारा जाँच करें

[{"selector":"#anim-5c69a9ba-fa29-4fa3-ba18-c36041a88c34","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e2f9e25a-85bb-4e11-8489-5415c0da951b","keyframes":{"transform":["translate3d(0px, 129.70521%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a329d125-e256-47ca-a811-611a02b54b77","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8d7ab1e9-423e-4bec-8ed1-c078b74ee8e8","keyframes":{"transform":["translate3d(0px, 149.44446%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-46b96bc4-9252-4a09-8640-81c26e1f2fd4","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2dad893f-9474-4d6e-87f4-0a1c1ca9e928","keyframes":{"transform":["translate3d(0px, 911.93450%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Image Credit: Canva

अपना रिटर्न दाखिल करने के बाद, अकाउंट स्टेटमेंट का Request करें. यह दस्तावेज़ आपकी वर्तमान कर स्थिति को दर्शाता है

[{"selector":"#anim-aa9216d4-2cb8-44dd-9c68-66c527b2d829","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ffab711c-01d5-431e-934f-b8d2c4c0f879","keyframes":{"transform":["translate3d(0px, 129.70521%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e791d13b-c7e7-4fe2-ae34-ca2ccaf3760a","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-59517f74-635a-40df-8f40-9635503329cc","keyframes":{"transform":["translate3d(0px, 148.38459%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f70b4768-1b6c-467d-aab3-b35b841f323e","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1b7310e8-6df1-4b30-997f-cb3704a1d212","keyframes":{"transform":["translate3d(0px, 911.93450%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Image Credit: Canva

सही Bank Details दर्ज करना याद रखें, खासकर यदि आपने अपना बैंक खाता बदल लिया है. यह परिवर्तन रिफ़ंड में समस्याएँ पैदा कर सकता है

[{"selector":"#anim-d290896d-40e3-497f-9395-4706a4cc145b","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-657f591e-4817-445a-bc27-6dccd0749098","keyframes":{"transform":["translate3d(0px, 129.70521%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a00c3fd3-9b1c-49fb-84ff-a6be4b67d290","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c2194397-588a-4609-ab6f-3896f928a528","keyframes":{"transform":["translate3d(0px, 148.38459%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ba86dc0c-2a63-4e3e-bac2-fd53c616dd39","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2d25db40-df6c-45aa-8c15-039207375267","keyframes":{"transform":["translate3d(0px, 941.56418%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Image Credit: Canva

इन लाभों को समझकर और Retirement Savings अधिकतम करके, आप सिर्फ़ टैक्स ही नहीं बचा रहे हैं बल्कि ज़्यादा सुरक्षित रिटायरमेंट भी बना रहे हैं

[{"selector":"#anim-b163277c-70de-47f1-9522-e93575ab6bc3","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3cf35421-95f0-40ea-8286-04f744a09b4a","keyframes":{"transform":["translate3d(0px, 131.47146%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-20dbbd6d-2585-420a-85ef-272caa7d6805","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-84c7e9df-2e74-4023-9ac4-6c299c67d173","keyframes":{"transform":["translate3d(0px, 139.18474%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Image Credit: Canva

कैसे Cibil Score खराब करता है क्रेडिट कार्ड का Use? Find out More