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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

क्या 12 लाख से कम आय वाले वरिष्ठ नागरिकों को फॉर्म 15H दाखिल करना चाहिए?

Ramalingam

Ramalingam Kalirajan  |8632 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Feb 06, 2025

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Nanjunda Question by Nanjunda on Feb 04, 2025English
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क्या 15h फॉर्म उन वरिष्ठ नागरिकों द्वारा प्रस्तुत किया जाना चाहिए जिनकी आय 12 लाख से कम है?

Ans: फॉर्म 15H वरिष्ठ नागरिकों (60 वर्ष या उससे अधिक आयु के) के लिए है, ताकि ब्याज आय पर स्रोत पर कर कटौती (TDS) से बचा जा सके। हालाँकि, इसे केवल तभी जमा किया जा सकता है जब कुल कर योग्य आय मूल छूट सीमा से कम हो, जो वरिष्ठ नागरिकों के लिए 3 लाख रुपये और सुपर वरिष्ठ नागरिकों (80+ वर्ष) के लिए 5 लाख रुपये है।

यदि आपकी कुल आय 12 लाख रुपये है, तो यह छूट सीमा से अधिक है, और आप फॉर्म 15H जमा नहीं कर सकते। लागू कर दरों के अनुसार टीडीएस काटा जाएगा।

यदि कटौती (जैसे 80C, 80D, आदि) के बाद आपकी कर योग्य आय छूट सीमा से कम हो जाती है, तो आप फॉर्म 15H जमा कर सकते हैं। अन्यथा, आप नहीं कर सकते।

सादर,

के. रामलिंगम, एमबीए, सीएफपी,

मुख्य वित्तीय योजनाकार,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

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Nayagam P

Nayagam P P  |5617 Answers  |Ask -

Career Counsellor - Answered on Jun 02, 2025

Career
I take 2 partial drop with pursuing plain bsc I was preparing for NEET exam but I wasn't serious the way I should be and wasted whole two years now I am not able to understand what to do I am not able to see anything about my career after bsc I don't understand what to do
Ans: Ansika, Feeling lost after a partial drop and NEET preparation is common, but a BSc degree opens a wide array of career paths across science, healthcare, technology, data, and even management sectors. You can pursue higher studies such as an MSc for specialization in your field, MCA for a strong IT career, or an MBA to transition into business roles. Direct job opportunities after BSc include research assistant, lab technician, data analyst, clinical research associate, teacher, or roles in industries like pharmaceuticals, biotechnology, and environmental science. Government sectors like forest services, agriculture, railways, and hospitals also recruit BSc graduates for technical and administrative roles. If you are unsure of your interests, consider a psychometric test to identify your strengths and aptitudes, or seek guidance from a career counselor to align your skills with emerging opportunities. Explore internships or short-term certifications to gain practical experience and confidence in your chosen field. Focus on your strengths, stay open to diverse opportunities, and remember that many successful professionals started with uncertainty—your BSc is a valuable foundation for multiple rewarding careers. All the BEST for your Prosperous Future!

Follow RediffGURURS to Know More on 'Careers | Money | Health | Relationships'.

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Nayagam P

Nayagam P P  |5617 Answers  |Ask -

Career Counsellor - Answered on Jun 02, 2025

Nayagam P

Nayagam P P  |5617 Answers  |Ask -

Career Counsellor - Answered on Jun 02, 2025

Anu

Anu Krishna  |1616 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jun 02, 2025

Asked by Anonymous - May 23, 2025
Relationship
I've been married for 19 years. We live in a joint family with my husband and in-laws. Since last year, my father has recently become bedridden and needs constant care. Since he lives in another city, I have been travelling constantly to take turns to attend him. I want to bring him to our home, but my mother-in-law strongly objects saying they will lose their privacy. My husband tries to mediate but often ends up siding with his mother, saying she's getting old too. I am not able to decide being a daughter and a daughter-in-law. Is it unfair of me to expect support for my father, or am I compromising too much in this marriage?
Ans: Dear Anonymous,
You surely are walking on a thin rope trying to balance both sides...it seems unfair, yes!
What I can suggest to you is: Find out what exactly is your mother-in-law's concern? What does she mean by 'lose their privacy'?
Usually, these statements are just reactionary to a much deeper concern. Try to address what bothers her; it could be as simple as your attention moving away from home and other responsibilities...she may possibly feel awkward being around your father...all these facts get masked under broad statements which to you may seem like excuses...so instead of playing this dance being the daughter and daughter-in-law, dig out more information, so that you can address concerns and not the reactions from them.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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