There were more than 100 deductions and exemptions available to taxpayers under the Income Tax Act. Under the new tax regime, 70 have already been rolled out and remaining are still under the process of streamlining.
None of the chapter VI-A deduction allowed except for 80CCD(2) and 80JJAA if you opt for new and reduced income tax rates.
Income Tax Deductions in India
|Sections||Income Tax Deduction for FY 2019-20 (AY 2020-21)||Who can Invest?||Limit for FY 2019-20 (AY 2020-21)|
|Section 80C||Investing into very common and popular investment options like LIC, PPF, Sukanya Samriddhi Account, Mutual Funds, FD etc||Individual
|Upto Rs 1,50,000|
|Section 80CCC||Investment in Pension Funds||Individuals|
|Section 80CCD (1)||Atal Pension Yojana and National Pension Scheme Contribution||Individuals|
|Section 80CCD(1B)||Atal Pension Yojana and National Pension SchemeContribution||Individuals||Upto Rs 50,000|
|Section 80CCD(2)||National Pension SchemeContribution by Employer||Individuals||
14% of Basic Salary + Dearness Allowance (in case the employer is CG)
10% of Basic Salary+ Dearness Allowance(in case of any other employer)
- Whichever is lower
|Section 80D||Medical Insurance Premium and Medical Expenditure||Individual
|Upto Rs 1,00,000
|Section 80DD||Medical Treatment of a Dependent with Disability||Individual
|Normal Disability: Rs 75000/-
Severe Disability: Rs 125000/-
|Section 80DDB||Specified Diseases
|Senior Citizens: Upto Rs 1,00,000
Others: Upto Rs 40,000
|Section 80E||Interest paid on Loan taken for Higher Education||Individual||100% of the interest paid upto 8 assessment years|
|Section 80EE||Interest paid on Housing Loan||Individual||Upto Rs 50,000 subject to some conditions|
|Section 80EEA||IInterest paid on Housing Loan||Individual||Upto Rs 1,50,000/- subject to some conditions|
|Section 80EEB||Interest paid on Electric Vehicle Loan||Individual||Upto Rs 1,50,000 subject to some conditions|
|Section 80G||Donation to Charitable Institutions||All Assessee (Individual, HUF, Company etc)||100% or 50% of the Donated amount or Qualifying limit,
Allowed donation in cash upto Rs.2000/-
|Section 80GG||Income Tax Deduction for House Rent Paid||Individual||Rs.60,000/-
25% of Total Income
Rent paid - 10% of Total Income
- whichever is lower
|Section 80GGA||Donation to Scientific Research & Rural Development||All assessees except those who have an income (or loss) from a business and/or a profession||100% of the amount donated.
Allowed donation in cash upto Rs.10,000/-
|Section 80GGB||Contribution to Political Parties||Companies||100% of the amount contributed
No deduction available for contribution made in cash
|Section 80GGC||Individuals on contribution to Political Parties||Individual
|100% of the amount contributed.
No deduction available for contribution made in cash
|Section 80IA||Profits and Gains from Industrial Undertakings engaged in infrastructure development, etc.||Industrial Undertakings engaged in specified businesses||100% of the profit for 10 consecutive years out of 15 years beginning from year of commencement|
|Section 80IAB||Profits and Gains to SEZ Developers||SEZ Developers||100% of the profit for 10 consecutive years out of 15 years beginning from year in which SEZ has been notified by CG|
|Section 80IAC||Eligible startups||Company or LLP engaged in eligible business subject to some conditions||100% of the profit for 3 consecutive years out of 7 years beginning from the year of commencement|
|Section 80IB||Profits and Gains from certain Industrial Undertakings other than infrastructure development undertakings||Specified Industrial Undertakings||25%, 30% or 100% of the profit for such periods as may be specified subject to certain conditions|
|Section 80IBA||Profits from Housing Projects||Individual
Any other person engaged in the business of Housing Projects as may be specified
|100% of the profit|
|Section 80IC||Certain Undertakings in Special category States||Certain Industrial Undertakings||Sikkim - 100% of profit for 10 years
Himachal Pradesh/ Uttaranchal
100% of the profit (For first 5 years)
25%(For next 5 years), (30% in case of Companies)
North Eastern States - 100% of the profit for 10 years
|Section 80ID||Profits and Gains of Hotels/Convention Centres in specified area||Hotel or Convention Centre||100% of the profit for 5 consecutive years beginning from the year of operation|
|Section 80IE||Certain Undertakings in North Eastern States||Undertakings engaged in manufacture/ provision of specified goods/ services or undertake substantial expansion, in North Eastern States||100% of the profit for 10 consecutive years beginning from the year of commencement or completion of expansion, as may be applicable|
|Section 80JJA||Profits and Gains of Specified Business||Specified Business||100% of the profit for 5 consecutive years beginning from the year of commencement|
|Section 80JJAA||Employment of New Employees||Employer who was subject to tax audit u/s 44AB||30% of additional employee cost for 3 years including the year in which employment is provided|
|Section 80LA||Certain Income of Offshore Banking Units in SEZ and IFSC||Offshore Banking Units in SEZ or Unit of IFSC||Offshore Banking Unit -
100% of the income (For 5 consecutive years
50% of the income (For next 5 years)
IFSC - 100% of the income for 10 consecutive years out of 15 years
beginning from the year in which permission is obtained
|Section 80PA||Certain income of Producer Companies||Producer Companies engaged in eligible business||100% of the profit|
|Section 80RRB||Royalty on Patents||Individuals (Indian citizen or foreign citizen being resident in India)||Rs.3,00,000/-
- whichever is lower
|Section 80QQB||Royalty Income of Authors||Individuals (Indian citizen or foreign citizen being resident in India)||Rs.3,00,000/-
- whichever is lower
|Section 80TTA||Interest earned on Savings Accounts||Individual
HUF (except senior citizen)
|Upto Rs 10,000/-|
|Section 80TTB||Interest Income earned on deposits(Savings/ FDs)||Individual (60 yrs or above)||Upto Rs 50,000/-|
|Section 80U||Disabled Individuals||Individuals||Normal Disability: Rs. 75,000/-
Severe Disability: Rs. 1,25,000/-
Budget 2019 : Important Income Tax Deductions and Exemptions
- Rebate u/s 87A increased : The amount of rebate u/s 87A has been increased from Rs. 2,500 to Rs. 12,500. Rebate is available to the individuals whose taxable income for Financial year 2019-20 does not exceed Rs. 5,00,000/- Read more about Rebate u/s 87A.
- Introduction of new section 80EEA : The union budget 2019 introduced new section which provide interest deduction for housing loan taken for affordable housing for the first home buyers. Under this section a maximum amount of Rs. 1,50,000 and loan should be taken during 01 April, 2019 to 31 March, 2020. This deduction is over and above exemption available under section 24 of Rs. 2,00,000.
- Introduction of new section 80EEB : Deduction of interest on loan taken to purchase electric vehicles has been introduced in Budget 2019. Under this section, the maximum amount of deduction available is Rs. 1,50,000.
- Standard deduction : Standard deduction for salary class employees has been increased from Rs. 40,000 to Rs. 50,000/-.
What is Income Tax Deduction as per Income Tax Act?
A deduction from an Income Tax point of view is the investment/expenditure that helps in reducing the tax payable. The income tax deduction reduces your gross total income (means the income on which tax has to be paid). Thereby, reducing the tax on your total income.
Eligible assessees can claim these deductions under the income tax act. The eligible assessee has been specified under each section for which deduction is being claimed. In some cases it is individual in some company or HUF, etc.
Income tax deduction needs to be claimed at the time of filing your Income Tax Return and no separate disclosure compliances in respect of the same should be made. The amount of deductions should be reduced form the gross income to reach at the taxable amount.
Let's see how Income Tax Deductions reduces your Tax Liability:
|Particulars||Income Tax Deduction of Rs. 1,50,000||No Income Tax Deduction|
|Gross Income before deductions||Rs. 15,00,000||Rs. 15,00,000|
|Income Tax Deductions||Rs. 1,50,000||NIL|
|Net taxable Income||Rs. 13,50,000||Rs. 15,00,000|
|Tax Liability before Rebate and Cess||Rs. 2,17,500*||Rs. 2,62,500*|
Section 80C : Deduction in respect of life insurance premium, contribution to PF, children tuition fees, PPF etc.
It’s the most popular income tax deduction. Deduction under this section is allowed to individual and HUF. The maximum amount that can be claimed under 80C is Rs.1,50,000. Various options of investments and payments that qualify for deduction under this section are:
Life insurance premium payment
Annuity plan of LIC or any other notified insurer(Jeevan Dhara, Jeevan Akshay etc.)
Unit Linked Insurance Plan (ULIP) of UTI or ULIP of LIC mutual fund u/s 10(23D) contribution
PPF (Public Provident Fund) contribution
Non-commuted deferred annuity plan payment
Amount deducted from government employee salary for the purpose of securing him of deferred annuity
Tution fees payment
Repayment of housing loan
Superannuation Fund contribution
Senior Citizen Scheme investment
5 year FD investment
Sukanya Samridhi Yojna investment
Mutual Funds (Equity Linked Saving Scheme) investment
Subscription to any deposit scheme/pension fund of National Housing Bank (NHB)
Subscription to bonds issued by National Bank for Agriculture and Rural Development (NABARD)
Subscription to notified deposit scheme of Public Sector Housing Finance Company and Housing Development Authority of cities, towns and villages
Subscription to equity shares or debentures of Public Company or any Public financial institution forming part of an eligible issue of capital approved by Board where proceeds are utilized for infrastructure company.
Stamp duty, registration fee incurred for the purpose of transfer of such house property to the assessee.
Section 80CCC: Income Tax Deduction for Contributions to Pension Funds
Under section 80CCC income tax deduction for the contributions made in specified pension plans can be claimed. The tax deduction can be claimed by individuals (whether resident or non-resident) and is to be clubbed in the overall ceiling of Rs 1.5 lakhs under section 80C.
Section 80CCD(1): Income tax deduction for contributions made by Individual to eligible NPS
The contribution made to eligible NPS account is tax-deductible upto Rs 1.5 lakhs under section 80CCD(1). This tax benefit is within the overall ceiling limits of section 80C. To know the computation of the exempt amount, eligibility and much more. Read more.
Section 80CCD(1B): Additional Income tax deduction for contributions made by Individual to eligible NPS
Section 80CCD(1B) gives you the additional tax saving benefit upto Rs 50,000 for contributions to NPS account. It is over and above the limits of section 80C and this is the reason section 80CCD has gained so much attention. Click to know more.
Section 80CCD(2): Income tax deduction for contributions by employer to eligible NPS
The amount contributed by employer to the NPS account of an employee is also tax-deductible under section 80CCD(2). The maximum deduction limit is Rs 1,50,000. Read to know more details.
Section 80D: Income Tax benefit for medical insurance premium
Section 80D is amongst the most popular tax saving options. Under this tax benefit is admissible for
- Medical Insurance Premiums
- Expenditure on Preventive Health Check-up
- Other Medical Expenditure
The benefit under this section can be taken in aggregate for self and family to a maximum of Rs 1,00,000. Read to know further details.
Section 80DD: Income Tax Deduction for Medical Treatment of a Dependent with Disability
Section 80DD provides an income tax benefit to the extent of Rs 75,000 & Rs 1,25,000 in the case of normal and severe disability respectively. The benefit can be availed for incurring medical expenditures for a disabled dependent relative. For diseases covered, documents required and other information please refer to the detailed guide.
Section 80DDB: Income Tax Deduction for Specified Diseases
The income tax deduction under section 80DDB serves as financial help for those who are suffering from a severe disease or are taking care of such dependent family members. Income tax deduction of Rs 1,00,000 in case of senior citizens (aged 60 years or above) and Rs 40,000 in other cases are available under this section. Read more to know the eligibility and other qualifying criteria.
Section 80E: Income Tax Deduction for Interest paid on Higher Education Loan
The interest paid on higher education loan taken for self, spouse or child is eligible for income tax deduction under section 80E. The tax benefit is available for the next 8 Assessment Years, without any maximum limits. Read to know more.
Section 80EE: Income Tax Deduction for Home Loan
Section 80EEA: Income Tax Deduction for first time home buyers
A new section has been proposed to be inserted in Chapter VI A deductions under Section 80. This section is Section 80EEA which allows an additional deduction to taxpayers for paying interest on a home loan availed by them. While Section 24 allowed for interest exemption on home loans up to INR 2 lakhs, this section allows an additional exemption of Rs 1.5 lakhs to home buyers who avail a home loan and pay interest on the loan.
Section 80EEB: Income Tax Deduction for repayment of Electronic Vehicle Loan
Another new section of deduction introduced by the new Union Budget was Section 80EEB. This section was introduced to promote the purchase of electric vehicles among individuals by giving them tax relief on the interest paid on the loan taken to purchase such vehicle. The limit of deduction is up to Rs 1.5 lakhs
Section 80G: Deduction in respect of donations made to specified funds and charitable institutions etc
- Deduction under this section is available to all types of tax-payers (individual/ firm/ LLP or any other person).
- The deduction amount is based on the category in which the fund falls i.e. with or without any qualifying limit.
Where the funds are subject to qualifying limit the formula for calculation of deduction = Gross Qualifying Amount - Net Qualifying Amount
- The donation should be made in any mode of payment other than cash if it exceeds Rs. 10,000. Donations in kind are not eligible for deduction under this section.
Check the complete list of funds under section 80G with their qualifying limit and the calculation of deduction amount with example.
Section 80GG: Income Tax Deduction for House Rent Paid
The cases where income tax benefit in respect of HRA(House Rent Allowance) or RFA(Rent Free Accommodation) has not been taken. Deduction u/s 80GG can be claimed to the extent of Rs 5,000 per month for the house rent paid. Read to know more.
Section 80GGA: Income Tax Deduction for Donation to Scientific Research & Rural Development
Donation for Scientific Research or Rural Development can avail deduction under section 80GGA. Under this section the whole amount is allowed as deduction without any upper limit. However, cash donations of more than Rs. 10,000 are not allowed.
Assessee having an income from Business/Profession cannot avail of this benefit. Read More about Section 80GGA
Section 80GGB: Income Tax Deduction for donation to Political Parties
Companies contributing to political donations can get the benefit of the same as a deduction in their tax liability.
Section 80GGC: Income Tax Deduction in respect of contributions given by any person to Political Parties
Deduction for the total amount paid to a political party or electoral trust can be availed under section 80GGC, except the cash donations. However, local authorities and every artificial judicial (wholly or partly funded by the government) person cannot claim a deduction under this section.
Section 80RRB: Income Tax Deduction for Royalty on Patents
A resident of India and a patentee (true and first inventor of the invention including co-patentee), can claim a deduction under section 80RRB being the lower of:
- 100% of Royalty Income from patent
- Rs 3,00,000
For claiming the benefit under this section patent must be registered. Read More about Section 80RRB
Section 80QQB: Income Tax Deductions for Royalty Income of Authors
An author (Resident of India or resident but not ordinarily resident in India), including the joint author of a book can claim a deduction under Sec 80QQB. The deduction amount shall be lower of
1- Lump Sum consideration for assignment or Rs 3,00,000
Read More about Section 80QQB
Section 80U: Income Tax Deduction for Disabled Individuals
An individual certified by the medical authority or a government doctor, to be a person with a disability can claim a deduction of Rs. 75,000 under this section. In the case of a person with a severe disability the quantum of deduction allowed is Rs. 1,25,000. It is a fixed deduction and is not based on actual expenses. For more details about this deduction Read More.
Section 80TTA: Deduction in respect of interest on deposits in Savings Account
Section 80TTA allows deduction in respect of interest income on deposits in Savings Bank Accounts of Banks, Co-Operatives Banks or Post Office. The quantum of deduction allowed under this section is Rs. 10,000 or the actual interest earned, whichever is lower. This deduction can be availed by both individual and HUF.
For more details about this deduction Read More.
Section 80TTB: Deduction in respect of interest from deposits held by Senior Citizens
Section 80TTB allows a deduction upto Rs 50,000/- in respect of interest income from deposits held by resident senior citizens (age 60 years or more) Consequently, limit of tds deduction u/s 194A for senior citizens has been raised to Rs. 50,000. However, no deduction under section 80TTA shall be allowed in these cases.
For more details about this deduction Read More.
Frequently Asked Questions
Q- Does section 80 C of tax deduction include recurring deposits?
No, recurring deposits does not come under the purview of section 80C. 5 years fixed deposit comes under section 80C but not recurring deposit.There are many other investments under section 80C such as ELSS, LIC, PF, principal repayment.
Q- Does the Provident Fund come under section 80C of tax exemption?
Yes, provident fund comes under 80C. There are two types of PF : Recognized provident fund and Statutory provident fund. An employee can avail deduction for the amount which has been contributed by him not by the employer.
Q- Does section 80 C includes investment under NPS?
Yes, investing in NPS comes under the purview of Section 80C.
Q- Do my SIPs qualify for tax deductions under Section 80C?
Investment in SIPs of ELSS comes under Section 80C but Section 80C do not cover investment in other mutual fund SIPs.
Q- Do 80CCC and 80CCD come under 80C or they are extra investment benefits? Are they beyond the 150000 limit of 80C?
Section 80CCD and 80CCC are beyond deduction under section 80C but together deduction under section 80C, 80CCC and 80CCD(1) cannot exceed INR 1,50,000.
Q- What is the difference between income tax exemption on NPS under section 80CCD(1B) and NPS under section 80C?
NPS under section 80C can be claimed upto Rs 1,50,000 where deduction under section 80CCD(1B) can be claimed over and above section 80C upto Rs. 50,000.
Q- Is investment for a spouse in APY exempt under Section 80CCD(1B) ?
Investment made in Atal Pension Yojna comes under Section 80CCD(1B) and can be treated the same as NPS.Therefore, deduction can be claimed for APY under 80CCD(1B).However, investment made under spouse’s name cannot be claimed under this section.
Q- Doesn't the 80CCD(2) give the opportunity of saving tax beyond 2 lakhs per year?
No, Section 80CCD(2) can be claimed when employer contributes in NPS of the employee.There is no restriction on the amount of deduction of 80CCD(2). The same can be claimed as a deduction by the employee.However, as per section 80CCE, aggregate of 80C, 80CCC and 80CCD cannot exceed INR 1,50,00.ONly Section 80CCD(1B) can be claimed as an extra deduction of INR 50000. So, Section 80CCD(2) does not provide opportunity to save tax beyond 2 lakhs.
Q- Can an assessee avail 80D deduction for his father-in-law?
Section 80D can be claimed by assessee on medical insurance and health checkup of him, spouse, parents and dependent children. Hence, no amount can be availed as deduction by assessee on medical policy of father-in-law.
Q- What will be the exemption under Section 80D if I got a combined Mediclaim for my parents and myself?
Section 80D allows to claim deduction of amount spent on medical insurance and health check up of assessee, spouse , parents and dependent children. If the mediclaim is combined, then,the same deductions will be available as provided when individual policies are taken on the basis of their age as discussed above in section 80D.
Q- Is 80D deduction available for a non-dependent parent?
Section 80D is available for parents whether dependent or not.
Q- Can the benefit of Section 80E be claimed if the assessee is pursuing higher education from abroad?
Section 80E states that deduction can be claimed under this section if any loan has been taken in India for higher education of assessee, spouse of the assessee and children of the assessee. Therefore, deduction can be claimed by the assessee for pursuing higher education abroad provided loan should be taken in India.
Q- Can I claim charges on premature repayment of an education loan under 80E, which results in no interest in subsequent years?
Yes, premature charges paid on early repayment of loan is treated as interest for the section 80E, hence can be claimed as a deduction for the same.
Q- I bought my first house. Can I claim a tax benefit under both section 24 and section 80EE in a single year?
Section 24 and Section 80EE can be claimed simultaneously. However, interest on housing loan should be first claimed under section 24 upto INR 2,00,00 and then only it can claim a deduction under section 80EE of INR 50,000.
Q- Are infertility treatment expenses exempt under Section 80DD of income tax?
Under this section, deduction is available only on the expenses incurred for certain specific diseases. Rule - 11DD, in the income tax rules provide an entire list of diseases for which deduction can be claimed.
- i.) Neurological diseases (the disability level must be certified to be 40% or above).
b- Dystonia Musculorum Deformans
c- Motor Neuron Disease
h- Parkinson's Disease
- ii.) Malignant Cancers
- iii.) Full Blown Acquired Immuno-Defciency Syndrome (AIDS)
- iv.) Chronic Renal failure
- v.) Hematological disorders
Hence, from the above mentioned list it can be concluded that Infertility treatment expenses are not included in Section 80DD.
Q- Can an individual claim the U/S 80DDB deductions, as well as 80U for a dependent disabled son while filling his/her ITR
Section 80DDB defines that an individual can claim a deduction for any expense incurred by them for a disabled relative where Section 80U defines that an individual if certified as disabled can claim a deduction under this section for any expenses incurred by him for his own treatment. Therefore, a parent can claim a deduction for the expenses incurred by them for the treatment of their disabled son under Section 80DDB and not under Section 80U.
Q- If I have a dependant who is mentally disabled which tax deduction suits me?
Section 80DD is the best suited deduction for you as Section 80DD provides deduction for any amount incurred for the treatment of disable dependant and the mental illness is one of the diseases covered under this section.
Q- Can I take a tax deduction under 80DD for my father as he is permanently hearing impaired more than 60% but he has a sum of money in his bank account?
Yes, deduction can be claimed by the assessee provided expenses have been actually incurred by him for the treatment of his father. The amount of deduction will be Rs.75000( 60% disabled), having money in a bank account does not seem to count.
Q- Is interest on REC bonds exempt under 80TTB?
Interest on REC bonds is not exempt under section 80TTB.
Q- Can I find tax rebate if I have an FD account?
Tax rebate is available for all individuals who have gross total income of INR 500000 or less, source of income does not seem to matter.
Q- Does car insurance come under 80C?
Tax benefit under section 80C is available only for life insurance premiums paid and it does not extend to general insurance like car insurance, travel insurance, etc.
Although benefit on health insurance can be availed under section 80D of the income tax act 1961.
Q- What is the stamp duty deduction under 80C?
Stamp duty, registration fee and other related expenses related to transfer of house property can be claimed under section 80C if
- The construction of house property has been completed.
- The transfer has taken place.
- These expenses have been incurred in your name.
Q- How to do 2019 tax calculations?
Q- How to claim deductions under section 80C to 80U when filing ITR1?
For claiming deductions while furnishing your ITR 1 you need to report the amount invested in PART-C, as shown below.
Q- For investments made in July 2019, when can the deductions be claimed?
For investments made in July 2019 i.e. Financial Year 2019-20 the income tax return would be filed in July 2020 (approximately). At the time of filing ITR you can claim the deductions.
Q- What is the meaning of forego?
In the Budget 2020 Finance Minister Nirmala Sitharam pronounced that a taxpayer who makes a choice not to claim certain deductions and exemptions i.e. forgo certain deductions and exemptions can opt for reduced income tax slab for the FY 2020-21 (AY 2021-22) under the new tax regime.
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People also ask
- Deductions under Chapter VI A
- Section 80C: Deductions & Tax Savings Investment Options
- Section 80CCC: Deduction for Contribution towards Pension Funds
- Section 80CCD: Deduction for APY & NPS Contribution
- Section 80CCD(1B) : Deductions & Tax Benefits For NPS Scheme
- Section 80CCG: Rajiv Gandhi Equity Saving Scheme (RGESS)
- Section 80RRB: Deductions on Income from Patent Royalty
- Section 80QQB: Deductions for Royalty Income of Authors
- Section 80D: Deduction for Medical Insurance & Preventive Check-Up
- Section 80E: Deduction for Interest on Education Loan
- Section 80EE: Deduction for Interest on Home Loan
- Section 80DD: Deduction for Expenses on Disabled Dependent
- Section 80DDB: Tax Deduction for Specified Diseases
- Section 80U: Tax Deduction for Disabled Individuals
- Income tax deduction under section 80U
- Section 80GG: Deduction for Rent Amount Paid
- Section 80GGA: Deduction for Donation for Scientific Research/Rural Development
- Section 80GGB: Tax Benefits to Indian Companies on Political Donations
- Section 80GGC: Tax Benefits to Individuals on Political Donations
- Section 80TTA: Deduction on Interest for Savings Accounts
- Section 80TTB: Tax Exemption for Senior Citizens on Interest Income
- Section-80-IA: Deductions For Gains From Industrial Undertakings
- Section 80-IC : Deductions For Certain Undertakings in Special States
- Section 80JJAA: Deduction For Employment of New Employees
- Section 80LA : Deduction For Certain Income Of Offshore Banking Units
- Section 80G: Deduction For Donations To Charitable Institutions
- Tax Benefits on Children Education,Tuition & School Fees Under 80C
- Section 80ID: Deduction For Profit From Business Of hotels
- ULIP – Unit Linked Insurance Plan
- Income Tax on Loan Taken from Friends or Relatives
- PPF - Public Provident Fund - Interest, Benefit & Withdrawals
- Tax Benefits On Insurance Policies – Section 80C
- Taxes can help you reduce the cost of your Home!
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