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Nikunj Saraf |308 Answers |Ask -Follow

Mutual Funds Expert - Answered on Feb 04, 2023

Nikunj Saraf has more than five years of experience in financial markets and offers advice about mutual funds. He is vice president at Choice Wealth, a financial institution that offers broking, insurance, loans and government advisory services. Saraf, who is a member of the Institute Of Chartered Accountants of India, has a strong base in financial markets and wealth management.... more

Question by R on Feb 01, 2023Hindi

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I am a retired person having monthly pension of Rs. 85000/- No other savings now under 80C and no home loan. Should I opt now the new scheme ?

Ans: Hello R
As a financial advisor, I would advise you to consult a chartered accountant for specific tax planning advice. They have expertise and in-depth knowledge of tax laws and regulations and can provide you with personalized strategies to minimize your tax liability. I can assist you in creating a comprehensive financial plan, but for tax planning, it is best to consult a tax professional.

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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Nikunj Saraf |308 Answers |Ask -Follow

Mutual Funds Expert - Answered on Feb 04, 2023

Question by Shankaranarayanan - Feb 04, 2023Hindi

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Sir My CTC is 22 lakhs My savings are PPF 1.5 Lakh per year VPF and PF 6.8 Lakh per annum NPS Rs 50000 per annum Mediclaim self 50000 per annum which scheme is beneficial old or new regime

Ans: Hello Shankaranarayanan

Thanks for asking the question

I m glad that you are dedicated towards your savings, to assist you with your tax planning. Please consult your CA or a guru with a direct tax expertise

Mihir Tanna |1054 Answers |Ask -Follow

Tax Expert - Answered on Feb 23, 2023

Question by Shankaranarayanan - Feb 04, 2023Hindi

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Sir My CTC is 22 lakhs My savings are PPF 1.5 Lakh per year VPF and PF 6.8 Lakh per annum NPS Rs 50000 per annum Mediclaim self 50000 per annum which scheme is beneficial old or new regime i have still two years service left

Ans: As you are taking benefits of Rs.2 lakhs (1.5 lakhs for PPF, 50K for NPS, 50K for mediclaim), new tax regime is likely to be beneficial as per budget proposed for FY 2023-24

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Tax Expert - Answered on Feb 23, 2023

Question by SUBRAHMANYAM - Feb 08, 2023Hindi

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Hi, my annual income of 9 lakhs which regime is better to opt. I am also paying housing loan of 1.8 lacs per year. Please let me know

Ans: Person having taxable income of 9 lakhs and housing loan repayment of 1.8 lacs, can opt for new tax regime as new slab rate is likely to be beneficial as per budget proposed for FY 2023-24

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Question by CHAITANYA - Jul 05, 2023Hindi

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I am 33 years old. I am working in co-op Bank since last 12 years. Should I Opt for new pension scheme or not?

Ans: Hello, that depends on your CTC and the deductions that you have

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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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