Tax Saving on Chirag Hasija https://chiraghasija.cc/tags/tax-saving/ Recent content in Tax Saving on Chirag Hasija Chirag Hasija https://chiraghasija.cc/og-image.png https://chiraghasija.cc/og-image.png Hugo -- 0.155.3 en-us Sun, 01 Mar 2026 18:27:00 +0530 Gratuity, Leave Encashment, Bonus - How Each Is Taxed Differently https://chiraghasija.cc/posts/40-gratuity-leave-encashment-bonus-tax/ Sun, 01 Mar 2026 18:27:00 +0530 https://chiraghasija.cc/posts/40-gratuity-leave-encashment-bonus-tax/ A clear breakdown of how gratuity, leave encashment, and performance bonus are taxed differently in India, with exemption limits, calculation methods, and ITR reporting. ELSS vs PPF: Which Tax Saving Investment Is Better? https://chiraghasija.cc/posts/elss-vs-ppf/ Sat, 14 Feb 2026 20:00:00 +0530 https://chiraghasija.cc/posts/elss-vs-ppf/ ELSS vs PPF - a complete comparison for tax saving under Section 80C. Find out which one gives better returns, lower lock-in, and more flexibility. Section 80D: How to Claim Health Insurance Premium Deductions Properly https://chiraghasija.cc/posts/37-section-80d-health-insurance-deductions/ Sun, 08 Feb 2026 12:18:00 +0530 https://chiraghasija.cc/posts/37-section-80d-health-insurance-deductions/ A complete guide to claiming Section 80D deductions correctly in your ITR, including limits for self, family, and parents, the preventive health checkup deduction, and common filing mistakes. The EPF Withdrawal Rules Nobody Explains Clearly https://chiraghasija.cc/posts/epf-withdrawal-rules-explained/ Mon, 12 Jan 2026 12:10:00 +0530 https://chiraghasija.cc/posts/epf-withdrawal-rules-explained/ A complete guide to EPF withdrawal rules in India - full withdrawal conditions, partial advance rules, tax treatment, and the online process step by step. How Your Employer's PF Contribution Is Calculated and Where That Money Goes https://chiraghasija.cc/posts/46-employer-pf-contribution-calculation/ Thu, 08 Jan 2026 09:56:00 +0530 https://chiraghasija.cc/posts/46-employer-pf-contribution-calculation/ A clear breakdown of how your employer's 12% EPF contribution is actually split between EPF and EPS, why you do not get all of it in your EPF balance, and what the pension scheme means for you. NPS vs PPF vs ELSS - Where Should Your 80C Money Actually Go? https://chiraghasija.cc/posts/nps-vs-ppf-vs-elss-80c-comparison/ Tue, 02 Dec 2025 18:37:00 +0530 https://chiraghasija.cc/posts/nps-vs-ppf-vs-elss-80c-comparison/ Compare NPS, PPF, and ELSS for your 80C tax-saving investment in India with data on returns, lock-in periods, tax treatment, and who should choose what. Why Your Fixed Deposit Interest Is Being Taxed More Than You Think https://chiraghasija.cc/posts/fixed-deposit-interest-taxed-more-than-you-think/ Wed, 05 Nov 2025 15:32:00 +0530 https://chiraghasija.cc/posts/fixed-deposit-interest-taxed-more-than-you-think/ Understand how FD interest is taxed in India including TDS deduction, slab-rate taxation, and legal methods to reduce tax on your fixed deposit returns. How to Read Your Salary Slip and Stop Losing Money to Confusing Deductions https://chiraghasija.cc/posts/how-to-read-your-salary-slip/ Sat, 01 Nov 2025 13:03:00 +0530 https://chiraghasija.cc/posts/how-to-read-your-salary-slip/ Decode every line on your Indian salary slip - from basic pay and HRA to PF deductions and TDS - and learn how to legally optimize your take-home pay. The Actual Difference Between Old Tax Regime and New Tax Regime in 2026 https://chiraghasija.cc/posts/old-tax-regime-vs-new-tax-regime-2026/ Mon, 20 Oct 2025 19:31:00 +0530 https://chiraghasija.cc/posts/old-tax-regime-vs-new-tax-regime-2026/ Compare old and new tax regimes for AY 2026-27 with exact slab rates, breakeven calculations, and a clear decision framework for different income levels in India. How HRA Exemption Works When You Pay Rent to a Family Member https://chiraghasija.cc/posts/30-hra-exemption-rent-family-member/ Tue, 23 Sep 2025 20:54:00 +0530 https://chiraghasija.cc/posts/30-hra-exemption-rent-family-member/ How to legitimately claim HRA exemption by paying rent to parents or spouse, what documents you need, and the tax pitfalls to avoid on both sides of the transaction. How to File ITR Without a CA - A Step-by-Step Guide for Salaried People https://chiraghasija.cc/posts/how-to-file-itr-without-ca-salaried/ Mon, 08 Sep 2025 15:15:00 +0530 https://chiraghasija.cc/posts/how-to-file-itr-without-ca-salaried/ A complete step-by-step guide to filing your income tax return online as a salaried employee in India without a CA, including Form 16, AIS reconciliation, and verification. Section 80C is Full - Now What? 7 Other Ways to Save Tax https://chiraghasija.cc/posts/section-80c-full-7-other-tax-saving-options/ Mon, 25 Aug 2025 19:21:00 +0530 https://chiraghasija.cc/posts/section-80c-full-7-other-tax-saving-options/ Explore 7 tax-saving deductions beyond Section 80C in India - from 80D health insurance to NPS 80CCD(1B) - that can save you Rs. 50,000 to Rs. 1 lakh in taxes. ITR-1 vs ITR-2 vs ITR-4 - Which Form Do You Actually Need? https://chiraghasija.cc/posts/itr-1-vs-itr-2-vs-itr-4-which-form/ Wed, 09 Jul 2025 09:45:00 +0530 https://chiraghasija.cc/posts/itr-1-vs-itr-2-vs-itr-4-which-form/ Find out which ITR form - ITR-1, ITR-2, or ITR-4 - you should file based on your income sources in India, with examples for salaried, investors, and freelancers. How to Use NPS Tier 2 as a Better Alternative to Mutual Fund Investments https://chiraghasija.cc/posts/42-nps-tier-2-alternative-mutual-funds/ Tue, 24 Jun 2025 16:28:00 +0530 https://chiraghasija.cc/posts/42-nps-tier-2-alternative-mutual-funds/ How NPS Tier 2 works as an investment account in India, its tax advantages over mutual funds for government employees, returns comparison, and who should actually use it. EPF vs NPS: Which Retirement Account Wins for a 28-Year-Old? https://chiraghasija.cc/posts/27-epf-vs-nps-retirement-28-year-old/ Thu, 22 May 2025 16:49:00 +0530 https://chiraghasija.cc/posts/27-epf-vs-nps-retirement-28-year-old/ An honest comparison of EPF and NPS for young Indian salaried professionals, covering returns, tax benefits, liquidity, and which one builds more wealth by retirement.