15 Best Income Tax Saving Option and return in Hindi

Income tax ka nam sunte hi logo ke man me ya sabke samne ek bat jarur bolte hai ki hamare itne mahnat se kamaya hua paisa government le leti hai. why should I pay income tax?,  Why Should we pay income tax?   ya bat bhi hai ki why government collects Income Tax. iska answer hai tax government revenue ka Ek bada part hai jiska use government country me achhe kam jaise education, health, infrastructure and other development works me karti hai. is tarah ham income tax return file karke income tax pay karke ek tarah se indirect social work karte hai par iska yah matlab nahi hai ki hame Tax Saving nahi katni chahiye.

15 Best tax Saving Investment Options For Tax exemption
tax saving option

Ham sabhi income tax bachana chate hai or government bhi tax saving ke option deti hai to How Tax saving helps the government. iska answer ye hai ki jab ham income tax saving option me invest kart`e hai to yah money government ke development programs me indirectly help karti hai.
Year-end me sabhi best tax saving option khojte  hai. yadi ham sahi se plan kare to maximum income tax saving kar sakte hai or high return on income tax saving option me paa sakte hai. generally, taxpayers ka hamesa ek question hota hai which are the varies tax saving investment option available in Hindi ?, What are the tax saving plans available for salaried employees in Hindi ? Which are the best tax saving investment plans in 2017 in hindi ?

upper ke sabhi question ka answer me yaha de raha hu jisem tax saving option diye hai.
jiske anusar aap income tax return file kar maximum income tax exemption le skate hai.

ALL Best Tax Saving Investment Options in India for 2017 हिंदी में

1*** ELSS Tax Saving Mutual Funds in Hindi:—    

ELSS Tax Saving Mutual Fund section 80c llmutual funds hai, yah other tax saving option se higher return deta hai.

Risk and Return of ELSS: – Chunky yah share market se related hai is liye yah option other option se adhik Risky  hota hai. or guaranteed return nahi deta hai
vaise yadi aap kuch risk lete hai or long tem (5-7yesrs) ke liye invest karte hai to isme 12% se 18% tak ka return le sakte hai (as per the previous record)

Lock‐in period for ELSS Fund: – lock‐in period 3 years hai.
yadi aap Jan 2017 me invest karte hai to yah amount Dec 2020 tak lock ho jati hai or dec 2020 me hi ise withdraw kar sakte hai.
aapko best return ke liye 5-10 years ke liye invest karna chahiye.

How much can I invest in ELSS Fund in Hindi- up to 150000/- per year under 80c
aap is tarh income tax rebate le sakte hia

Benefits of ELSS Fund:- aap regular dividend option le kar lock in period me bhi regular income le sakte hai.
aap isme SIP se invest risk minimise karke high return le sakta hai

tax on Capital Gains: – capital gains from selling ELSS funds are tax-free.
how to invest in ELSS fundHindi: – Some of the top ELSS tax saving mutual funds are Axis Long Term equity fund, Reliance Tax Saver fund, DSP BR Tax Saver Fund etc., app yaha click Kar in website se direct purchases kar skate hai.

02*** Public Provident Fund / PPF details in Hindi

yah scheme sabhi public ke liya provided fund save karne ki scheme hai. ministry of finance PPF ka interest every year decide karti hia  PPF kafi popular option hai
Risk and return: – PPF risk-free option hai isme fix interest milta hai jo every years ministry of finance update karti rahti hai current PPF account interest rate 8.1% hai last year PPF interest 8.8% that yah.
Lock‐in period for PPF 15 years hia    PPF withdrawal rules me aap 15 years ke bad pura paisa nikal sakte hai.
How much can I invest in PPF: – minimum 500/- se Up to 150,000/- per year jiski koe bhi time bounding nahi hai.
Benefits of PPF: –  yah sabse best risk-free high return investment plans to save tax hai . kyu ki invested amount par 3 years ke bad loan facility available hai. PPF Loan par rate of interest charge 2% per year hai.
6-year se Withdrawal bhi permitted hai. isme Hindu Undivided Family
or Association of persons bhi invest kar sakte hai
in sabhi benefits se PPF best investment options to save tax u/s 80C hai. yah achha option hai retirement pan or  children education plan ke liye.

3*** Sukanya Samriddhi Yojana :-

sukanya samriddhi schem girl child wake parents ya Georgian ke liye hai jo ek best income tax saving plan hai.
Risk and return:- yadi aap apni girl child ke future ke liya aaisa plan cahhte hai jo low-risk high return plan ho to yah ek achha income tax saving plan hai
Su Kanya samadhi yojana interest rate 2016-17 8.6% per year hai.
Lock‐in period for Su Kanya samriddhi scheme is scheme me aap bachi ke janm se lekar 15 years age hone tak deposit kar sakte hai jo girl ke 21 years tak ke liya lock hota hai
Tax on Capital Gains: – Su Kanya samriddhi schemes me interest received on maturity is tax-free hai.
Benefits and of SuKanya samriddhi yojana:- aap is young me 1.5 lakh tak invest kar sakta hia or deposited karte time income tax me chut paa sakta hai or girl ke 21 years ki adge par milne wala amount bhi tax-free hota hai.
drawback of sukanya samriddhi yojana: – drawback of SuKanya samriddhi yojana, Premature withdrawal not allowed, High lock-in period of 21 year, online transfer facility in post office nahi hai.

4*** Tax Saving Bank FD Schemes :-

yah schem fixed deposit under 80c me aata hai. yah income tax saving ka best trusted or safe investment option hai. is scheam ke mukhya point is prakar hai
* Interest received from tax saving bank FD schemes are taxable.
tax saving bank FD schemes has 5 Year Lock‐in period
tax saving bank FD schemes interest rates are between 5.5% to 7.5% per annum
Lock‐in period tax saving bank FD schemes is 3 years. best bank fortax saving FDs ya tax saver FD are Ratnakar Bank – 7.7%, IDFC Bank – 7.5%, DCB Bank – 7.5% and Union Bank of India – 6.5%.
Lock‐in period tax saving bank FD schemes is 3 years

05*** Senior Citizen Saving Schemes (SCSS) :-

yah best & secure return plan for senior citizen hai. koe bhi personal 60 years ya isse  adhik wala is plan me invest kar sakta hai.
lock in period for Senior Citizen Saving Schemes 5 yeara hai par iski beauty yah hai ki income Senior Citizen Saving Schemes me interest quarterly milta hai. yah interest taxable hota hai.
Senior Citizen Saving Schemes interst rearte 8.5% hai
maximum income tax rebate limit for Senior Citizen Saving Schemes is 15 lakh.
aap ise one year ke bad Premature closure closer bhi kar sakte hai par isme deposit amount ka 1.5% deduct ho jata hai or 2 years ke bad closer karne par 1% deduct hota hai. aap postal senior citizen scheme bhi le sakta hia.

06*** Rajiv Gandhi Equity Saving Scheme (RGESS)

yah schema un logo ke liya hai jo pahli bar share market me invest kar rahe hai or unki salana income 12 lakh tak hai. Rajiv Gandhi Equity Saving Scheme me maximun 50000 rupes invest kiya ja sakta hai jis par jo sirf BSE 100 stock me ya RGESS Mutual funds me invest kiya ja sakta hai.
Rajiv Gandhi Equity Saving Scheme me invest kiya gaya amount ka 50 % hi yah par tax deduction under 80ccg milta hai.
Rajiv Gandhi Equity Saving Scheme returns stock market ke anusr hota hai is liya yaha par ruturn ki koe fix gauranty nahi hai.

07*** Voluntary Provident Fund (VPF)

jaise nam se clear hai ki karmachari ki eksha se liye kiya gaya pf contibution. is scheam me aap aapni margi ke anusar apna pf ka contibution bada sakta hai  jo employer or employee ke dwara diya gaya 12% contibution ke atirikt hota hai. yaha par employer contribution to pf nahi hota hai
employe apni Basick salary or DA ka 100 % tak contibute kar sakta hai.
Return Voluntary Provident Fund (VPF) me pf ya ppf ke equal interst milta hai.
Voluntary Provident Fund (VPF) maturity return tax-free hota hai.
drawback of Voluntary Provident Fund (VPF) yah hai ki isme amount retirement tak locked hota hai.

08*** New Pension Scheme (NPS) :-

NPS plan retirement ke liya kiya gaya sabse best retirement plan hai jisme aap pensan plan kar sakte hai is pla me aapke fund ka management government se approved top fund managers karte hai
isme  fund manager investment value ka 0.0009% charge lete hai. is  plan me aapko pension scheme numbe milta hai. in fund managers par pension fund inda ki najar rahti hai.
yaha aap minimum 500 per month ya 600 per years invest kar sakte hai. Rajiv Gandhi NPS ki maximum limit nahi hai.
NPS me 1.5 lakh tak invest karne par 80c ke under tax benefit milta hai.

09*** New Pension Scheme (NPS) u/s 80CCD

80c ke alava aap isme aap isme 50,000 rupes adhik jama kar sakta hai jo Tier‐I scheme u/s 80CCD me aata hia.

10*** National Saving Certificate (NSC) :-

NSC me koe bhi person invest kar sakta hai yah post office ke throw hota hai isme milne wala
National Saving Certificate (NSC) interest 8% hai jo every six month me compound hota hai
National Saving Certificate (NSC) ka matutity amount taxable hota hai. is income ko another income me show karke again 80c me tax saving kar sakta hai. National saving certificate online bhi jama  k bank

11*** Unit Linked Investment Plan (ULIP):-

yah ek mahga tax saving scheam hai
ULIP ek ensurance plus investment plan hai jisme life risk cover ke satha sath return bhi milta hai. par ulip me fund manager fund manag kafi charg karte hai.
vaise abhi 2010 IRDA guidelines ke anusar Insurance companies company ne ULIP charges kam kiya hai.
ULIP me koe gauranted return nahi milat hai, ha par yah 6 se 12% tak k areturn deta hai

12*** Life Insurance Plans:-

india me yah sabse famous hsi india me life insurance bachne me LIC sabse aage hai kyouki isme return of investmet done hota hia. lic ke sabhi plan me everage 6 % return milta hai.
best Life Insurance Plans to sirf term plan hota hai is plan me koe maturiy benefit nahi hota hai is plan me aap regular premium baharta hai or aap ki kisi vajah se deth ho jane par jo risk kavar hota hai vo aapke dependent ko mil haja hai.
termplan first step of finance planning hia. yah aapke bad aapke parivar ko aarthi aajsdi dilata hai. or unhe aarthik rup se majbut banata hai.

13*** Home Loan Principal Repayment in hindi :-

yadi abhi tak aapne apna khud ka makan nahi liya hai ya banay hai to aaj hi home loan lekar home plan kare kyouki. tax saving ka yah ek badiya plan hai jisme home lone principle ke roop me aap jo home loan repayment karte hai. par yadi aap 5 yers ke pahle is makan ko bech dete hai hai to yah tax vapsa lag jata hai.
home loan process fee bhi tax saving hoti hia.

14*** Pension Funds :-

yah ek good retirement plan hai yah ek private pension plan hai jisme aapko retirement ke bad monthly return milta hai.
is plan me investmented amount ka 60% retirement ke adge me nikala ja sakte hai or rest amount ko re-invest kar kar monthly pensan liya ja sakte hai.

15*** deduction under section 80c children education :-

aap ke bachho ke school me di jane wali fee jo ki tution ke nam pa li jati hai bhi tax saving ke antargat aati hai.

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