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विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

Mihir Tanna |1053 Answers |Ask -Follow

Tax Expert - Answered on Mar 20, 2023

Mihir Ashok Tanna, who works with a well-known chartered accountancy firm in Mumbai, has more than 15 years of experience in direct taxation.
He handles various kinds of matters related to direct tax such as PAN/ TAN application; compliance including ITR, TDS return filing; issuance/ filing of statutory forms like Form 15CB, Form 61A, etc; application u/s 10(46); application for condonation of delay; application for lower/ nil TDS certificate; transfer pricing and study report; advisory/ opinion on direct tax matters; handling various income-tax notices; compounding application on show cause for TDS default; verification of books for TDS/ TCS/ equalisation levy compliance; application for pending income-tax demand and refund; charitable trust taxation and compliance; income-tax scrutiny and CIT(A) for all types of taxpayers including individuals, firms, LLPs, corporates, trusts, non-resident individuals and companies.
He regularly represents clients before the income tax authorities including the commissioner of income tax (appeal).... more

Question by SAM on Mar 17, 2023English

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हेलो मेरी सालाना सैलरी 15 लाख है. मुझे कौन सी कर व्यवस्था चुननी चाहिए? मेरे पास गृह ऋण है, 80c 1.5 लाख और स्वास्थ्य बीमा 12000 वार्षिक है

Ans: वेतन से आय अर्जित करने वाला व्यक्ति, 200000 रुपये का आवास ऋण ब्याज चुका रहा है, 1.5 लाख की कटौती और 12000 का मेडिक्लेम ले रहा है; पुरानी कर व्यवस्था के तहत कर बचाने की संभावना

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

Mihir Tanna |1053 Answers |Ask -Follow

Tax Expert - Answered on Mar 27, 2023

Asked by Anonymous - Mar 17, 2023English

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हेलो मेरी सालाना सैलरी 15 लाख है. मुझे कौन सी कर व्यवस्था चुननी चाहिए?

Ans: वेतन से आय अर्जित करने वाला व्यक्ति, 200000 रुपये का आवास ऋण ब्याज चुका रहा है, 1.5 लाख की कटौती और 12000 का मेडिक्लेम ले रहा है; पुरानी कर व्यवस्था के तहत कर बचाने की संभावना

Hardik Parikh |106 Answers |Ask -Follow

Tax, Mutual Fund Expert - Answered on Apr 11, 2023

Question by Shyam - Apr 10, 2023English

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सर, मेरी आय 32 लाख सालाना है, मेरे पास होम लोन नहीं है, मैं एनपीएस में 50 हजार निवेश करता हूं। स्वास्थ्य बीमा प्रीमियम प्रति वर्ष 30k ठीक है। इस वर्ष मुझे कौन सी कर व्यवस्था चुननी चाहिए?

Ans: प्रिय श्याम,

अपने प्रश्न तक पहुँचने के लिए धन्यवाद. प्रदान की गई जानकारी के आधार पर, आपकी वार्षिक आय 32 लाख रुपये है, आप एनपीएस में 50,000 रुपये का निवेश करते हैं, और प्रति वर्ष 30,000 रुपये का स्वास्थ्य बीमा प्रीमियम है। आपके लिए सबसे उपयुक्त कर व्यवस्था का निर्धारण करने के लिए, हमें उन कटौतियों को ध्यान में रखते हुए, जिनके लिए आप पात्र हैं, नई और पुरानी दोनों कर व्यवस्थाओं के तहत आपकी कर देयता की तुलना करने की आवश्यकता होगी।

पुरानी कर व्यवस्था के तहत, आप अपने एनपीएस निवेश (धारा 80सीसीडी) और स्वास्थ्य बीमा प्रीमियम (धारा 80डी) के लिए कटौती का दावा कर सकते हैं। आपकी कर योग्य आय 31,20,000 रुपये (32,00,000 - 50,000 - 30,000) होगी। कर देयता होगी:

पहले 2.5 लाख रुपये पर शून्य
अगले 2.5 लाख रुपये पर 5% (12,500 रुपये)
अगले 2.5 लाख रुपये पर 20% (50,000 रुपये)
अगले 2.5 लाख रुपये पर 20% (50,000 रुपये)
शेष INR 21.2 लाख पर 30% (INR 6,36,000)
पुरानी व्यवस्था के तहत कुल कर देयता: INR 7,48,500

नई कर व्यवस्था के तहत, आप अपने एनपीएस निवेश और स्वास्थ्य बीमा प्रीमियम के लिए कटौती का दावा नहीं कर पाएंगे। आपकी कर योग्य आय 32,00,000 रुपये होगी। कर देयता होगी:

पहले 3 लाख रुपये पर शून्य
अगले 3 लाख रुपये पर 5% (15,000 रुपये)
अगले 3 लाख रुपये पर 10% (30,000 रुपये)
अगले 3 लाख रुपये पर 15% (45,000 रुपये)
अगले 3 लाख रुपये पर 20% (60,000 रुपये)
शेष 17 लाख रुपये पर 30% (5,10,000 रुपये)
नई व्यवस्था के तहत कुल कर देनदारी: INR 6,60,000

दोनों व्यवस्थाओं के तहत कर देनदारियों की तुलना करने पर, नई कर व्यवस्था का विकल्प चुनकर आप 88,500 रुपये बचाएंगे। यह ध्यान रखना महत्वपूर्ण है कि आपको उल्लिखित कटौतियों को छोड़ना होगा, लेकिन आपके मामले में, कर में बचत कटौतियों से अधिक है। इसलिए, मैं इस वित्तीय वर्ष के लिए नई कर व्यवस्था चुनने की सलाह दूंगा।

कृपया ध्यान दें कि यह केवल आपके द्वारा प्रदान की गई जानकारी पर आधारित एक विश्लेषण है, और व्यक्तिगत सलाह के लिए कर पेशेवर से परामर्श करना हमेशा एक अच्छा विचार है।

आशा है यह मदद करेगा!

साभार,

Mihir Tanna |1053 Answers |Ask -Follow

Tax Expert - Answered on Apr 13, 2023

Question by Anand - Apr 11, 2023English

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हेलो मेरी सैलरी सालाना 11 लाख है. मुझे कौन सी कर व्यवस्था चुननी चाहिए? मैं होम लोन 12 हजार प्रति माह, एलआईसी 24 हजार, यूलिप 30 हजार सालाना चुका रहा हूं। मासिक MF12k गैर ELSS बचाने में सक्षम।

Ans: नई योजना आपके लिए लाभदायक रहने की संभावना है। आवास ऋण पर ब्याज को पुरानी योजना के तहत वेतन से आय के विरुद्ध 2 लाख रुपये प्रति वर्ष तक समायोजित करने की अनुमति है। इसके अलावा, आवास ऋण के मूल पुनर्भुगतान और टैक्स सेवर एमएफ को धारा 80सी के तहत प्रति वर्ष 1.5 लाख रुपये तक की कटौती की अनुमति है।

आप https://incometaxindia.gov.in/Pages/tools/115bac-tax-calculator-finance-bill-2023.aspx पर दोनों व्यवस्थाओं के तहत कर देनदारी की तुलना करें।

Mihir Tanna |1053 Answers |Ask -Follow

Tax Expert - Answered on Apr 17, 2023

Question by monish - Apr 13, 2023English

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नमस्ते, मेरी सैलरी 15 लाख सालाना है, 80सी में 1.5 लाख का निवेश, 25,000 का मेडिकल इंश्योरेंस। मुझे कौन सी कर व्यवस्था चुननी चाहिए?

Ans: वित्त वर्ष 2023-24 के लिए नई योजना लाभकारी रहने की संभावना है।

आप https://incometaxindia.gov.in/Pages/tools/115bac-tax-calculator-finance-bill-2023.aspx पर दोनों व्यवस्थाओं के तहत कर देनदारी की तुलना कर सकते हैं।

नवीनतम प्रश्न

Dr Nagarajan J S K |401 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 15, 2025

Question by Nidhi - May 15, 2025

Career

Kiit Kalinga university me btech biotechnology me registration ho gya hai 75000 registration fees bhi jma ho chuki hai lekin cbse ka result ab aaya hai marks 60% aur pcb me 50+ hai ayesa na ho ki registration reject ho jaye kya admission ho jayega

Ans: Hi Nidhi,
greetings.
According to the prospectus, you are not eligible for admission to KIIT for the B.Tech in Biotechnology program.
The basic requirement for B.Tech and M.Tech in Biotechnology is that you must pass 10+2 or an equivalent exam with at least 60% marks in Physics, Chemistry, and Mathematics/Biology/Biotechnology combined.

Since you have only achieved 50%, I recommend considering other courses such as Nursing or Pharmacy instead of Biotechnology.

BEST WISHES.
POOCHO. LIFE CHANGE KARO.

Dr Nagarajan J S K |401 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 15, 2025

Asked by Anonymous - May 15, 2025

Career

Hello sir.Could you pls suggest best colleges for pharmacy sciences in Punjab? I will be very thankful to you

Ans: Hi,

Punjab is not a district; it is a state. To gain admission into an undergraduate (UG) program, you must either write an entrance exam or go through the state selection board. Given this context, it is challenging to provide specific advice.

If you are interested in pursuing pharmacy, visit the website of the respective college to find information about the Standards of Instruction for Pharmacy (SIF) through the Pharmacy Council of India (PCI). The institution may have shared important details about their programs. You can choose colleges based on their infrastructure.

Don’t focus solely on placements. If you have the right skills, you will naturally secure a placement. However, do not stop at completing your UG; you should also aim to pursue a postgraduate (PG) program, as it will provide you with more exposure.

If financial constraints prevent you from pursuing PG studies, consider entering pharma marketing after completing your UG. There are plenty of opportunities to excel in marketing.

If you would like get more information, please come to me with a selected list of colleges, and I will be able to assist you further.

BEST WISHES.
POOCHO. LIFE CHANGE KARO.

Dr Nagarajan J S K |401 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 15, 2025

Asked by Anonymous - May 15, 2025

Career

What is neet 2025 cutoff for self financing colleges

Ans: Hi,
There are many parameters that need to be decided, perhaps between 350 and 580.

BEST WISHES.

POOCHO. LIFE CHANGE KARO.

Dr Nagarajan J S K |401 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 15, 2025

Asked by Anonymous - May 15, 2025

Career

Sir With 94 marks in manipal exam and 75 percent in boards ,what branch can i expect in main manipal campus.

Ans: Hi, you have shared the marks of the board and entrance exams. Which course are you planning to pursue? You did not share that detail. Kindly share the information so that I can help you.

POOCHO. LIFE CHANGE KARO.

Dr Nagarajan J S K |401 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 15, 2025

Question by Rajiv - May 15, 2025

Career

My son was born in Maharashtra, and has a Birth-certificate of Maharashtra, but we are permanent residents of Delhi. Is my son eligible to get its benefit in terms of local reservation in MHTCET-2025/

Ans: Hi Rajiv,
As your son born in Maharashtra, you cannot claim a domicile certificate from Maharashtra. To be eligible for a domicile certificate, one needs to have resided in the state for the last 15 years. Therefore, having only a birth certificate is not sufficient. I hope I have answered your question.

BEST WISHES.
POOCHO. LIFE CHANGE KARO.

Dr Nagarajan J S K |401 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 15, 2025

Question by Fathima - May 15, 2025

Career

12 CBSE Improvement exam 2025- when is the improvement exam gonna be held and only in one subject can we write or more ?

Ans: Hi Fathima,
Your query is very brief and lacks sufficient detail.
Could you please explain why you want to take the improvement exam? Is it necessary?
Kindly share more details about your query so I can assist you better.

POOCHO. LIFE CHANGE KARO.

Vipul Bhavsar |83 Answers |Ask -Follow

Tax Expert - Answered on May 15, 2025

Asked by Anonymous - Jan 31, 2025

Money

My relative has 2 residential houses (H1,H2) and 2 residential sites(S1,S2). She plans to sell house H2 and buy a residential flat H3 in my her spouse name. She plans to claime capital gains under Section 54. Later she plans to sell sites S1,S2 and buy a residential flat H4 in her name. She plans to captial gains exemption under section 54F. Since at point of sale of sites, she only has only house H1 in her name, she can claim exemption under section 54F. She seems to meet all the conditions for section 54, 54F. Is this possible?

Ans: This is possible, but it is strongly advisable to consult a CA in order to correctly study the case and get desired outcome

Vipul Bhavsar
Chartered Accountant
www.capitalca.in

Vipul Bhavsar |83 Answers |Ask -Follow

Tax Expert - Answered on May 15, 2025

Asked by Anonymous - Feb 16, 2025

Money

Sir, I got retired on 30-Jun-24 after attaining the age of 58. I do not have any further contribution to PF. I would like to know if PF gives interest for next 3 years. In other words, when I withdraw PF at the age of 61 in Jun-2027, would PF have paid interest for 3 years from Jul-24 to Jun-27.

Ans: If no contributions are made for more than three years after retirement, the account becomes inoperative.
It stops earning interest.
The existing balance remains safe.

Vipul Bhavsar |83 Answers |Ask -Follow

Tax Expert - Answered on May 15, 2025

Question by arun - Feb 24, 2025

Money

we intend to dispose 2 prop. do v need to keep this amount in cg separately or in one a/c. if v intend buy prop in 2 years can v keep in fd saving or cg is compulsory. how many prop can b bought from deal. in my case I have already committed around 40% amount in a prop in instalments, for which I have already paid one instalment from my pocket. can I take this amount which is pre deal from deal. balance need to b kept in cg or sfd and if I invest in 2 yrs still I need cg. since my wife is also disposing her prop and if v acquire prop in 2 yrs do v need to invest in cg. if v buy a joint property can v both invest from our deal amount in a joint property. what will b tax liability.

Ans: Pointwise answers are as follows:
1. Amount to be kept in Separate CG account for each property
2. keeping in CG Scheme is compulsory within 6 months from date of sale or due date of filing of Return of income, whichever is earlier
3. Predeal commitment can be considered if not more than 1 year before from date of sale
4. Your wife can claim CG exemption and pay tax, if any separately for the property sold by her

It is advisable to consult CA as your case needs careful understanding and execution to claim exemptions and minimize taxes if any

Vipul Bhavsar
Chartered Accountant
www.capitalca.in

Vipul Bhavsar |83 Answers |Ask -Follow

Tax Expert - Answered on May 15, 2025

Asked by Anonymous - Mar 19, 2025

Money

Dear Experts, I have sold my flat for Rs 73 lacs in Thane, Maharashtra. I would like to know whether I am eligible to pay capital gains? I had bought in 2016. Moreover how do I invest this amount, I am not intending to purchase any new property. So suggest any other way out. Thanks in advance.

Ans: We need folllwing information in order to calculate Capital Gain and tax on it.
1. Purchase agreement of the property sold
2. Details of your income apart from this capital gain transaction

Vipul Bhavsar
Chartered Accountant
www.capitalca.in

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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