Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

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 Shankaranarayanan on Feb 04, 2023Hindi

Listen

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

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.

MoneyReply

You may like to see similar questions and answers below

Nikunj Saraf |308 Answers |Ask -Follow

Mutual Funds Expert - Answered on Feb 04, 2023

Question by R - Feb 01, 2023Hindi

Listen

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.

Mihir Tanna |1057 Answers |Ask -Follow

Tax Expert - Answered on Feb 23, 2023

Question by Shankaranarayanan - Feb 04, 2023Hindi

Listen

Money

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

Vivek Lala |317 Answers |Ask -Follow

Tax, MF Expert - Answered on Mar 10, 2023

Question by Vijay - Feb 05, 2023Hindi

Listen

Money

I have 36L as salary income, i also have 1.5 lakhs on 80c insurance and vpf additional of 50k.Can you please help to distinguish which regime is better to opt going forward.

Ans: New regime is better

Mihir Tanna |1057 Answers |Ask -Follow

Tax Expert - Answered on Apr 11, 2023

Asked by Anonymous - Apr 10, 2023Hindi

Listen

Money

Salary is Rs 28,50,000. Investments would be : Contribution to 80C - Rs 1.5L, NPS-50K, HR Paid - 5.7L per year, 80D Medical : Insurance Premium for self and spouse : Rs 19108 and for parents : Rs 50K. Which regime should be better to select : Old or New?

Ans: In the absence of salary structure, it is not possible to claim HRA exemption. You can calculate the same at https://incometaxindia.gov.in/Pages/tools/house-rent-allowance-calculator.aspx

Considering income and quantum of deductions, old regime is likely to be beneficial and after calculation of HRA exemption, you can check the same at https://eportal.incometax.gov.in/iec/foservices/#/TaxCalc/calculator

Latest Questions

Dr Nagarajan J S K |775 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Jun 07, 2025

Asked by Anonymous - Jun 04, 2025

Career

OBC/BC, Mark after nta key is 424. I am from Tamil Nadu. Kindly predict my status.

Ans: Hi
Possibilities are there. But not guaranteed in gmc. Wait for the result.

Dr Nagarajan J S K |775 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Jun 07, 2025

Question by Radha - Jun 04, 2025

Career

I am getting 580 in neet what are my chances in greeting a seat in Karnataka I am a gm candidate

Ans: HI Radha,
Possibilities are there but not guaranteed in top-tier colleges.

Dr Nagarajan J S K |775 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Jun 07, 2025

Question by Divy - Jun 04, 2025

Career

I am a freshy and scored 517 in neet 2025 examination I am having domicile of madhyapradesh will it be possible for me to get a medical seat

Ans: Hi DIvy,
Little possibilities are there. try for less competitive GMC

Dr Nagarajan J S K |775 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Jun 07, 2025

Asked by Anonymous - Jun 04, 2025

Career

AIIMS nursing 50 marks any chance

Ans: Hi
Difficult for general category.

Dr Nagarajan J S K |775 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Jun 07, 2025

Question by Rakesh - Jun 04, 2025

Career

getting 475 in NEET 2025. Gen category, girl, UP. Any chance for GMC?

Ans: HI Rakesh,
Feasibility is less.
Try for private medical college.

Dr Nagarajan J S K |775 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Jun 07, 2025

Question by laxmi - Jun 04, 2025

Career

My daughter getting 280 in neet 2025...can she get admission in d.y.patil Mumbai, apolo in hyd, kmc in Mangalore.....v r based in UAE...can she get admission in NRI qota

Ans: HI Laxmi,
With this score challenging one.
Try for less competitive colleges.

Dr Nagarajan J S K |775 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Jun 07, 2025

Asked by Anonymous - Jun 04, 2025

Career

My caste is SC .I got 370 marks in neet 2025.can I get seat in government college?

Ans: HI
Thru state it is possible.
To get better clarity, wait for the result.

Dr Nagarajan J S K |775 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Jun 07, 2025

Asked by Anonymous - Jun 04, 2025

Career

Hello sir my sister got 220 marks in neet 2025 and I'm from Andhra Pradesh svu region bce category also have minority certificate can my sister get any veterinary govt or pvt college

Ans: Hi
Little Difficult.
Less chances in Private colleges.
wait for the result.

Dr Nagarajan J S K |775 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Jun 07, 2025

Question by Rani - Jun 04, 2025

Career

Vanakkam sir, my sin got 375 in neet exam.. Is it possible for state level quota??

Ans: HI MA,
1. If open category - Not possible
2. OBC - possible in private colleges or less competitive gmc.
To get clarity, kindly wait for the result.

Dr Nagarajan J S K |775 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Jun 07, 2025

Question by Anvi - Jun 04, 2025

Career

Maine neet 2025 me OBC category me 620 marks prapt kiye hai kya mujhe government medical College mil jayega

Ans: HI ANVI,
YES.

See more questions »

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x