How To Pay Zero Tax For Income Up To Rs 12 Lakhs From Salary For Financial Year 2016-17 Budget 2016 by CA Chirag Chauhan PDF

How to Pay Zero Tax for Income up to Rs 12 Lakhs from Salary for Financ...
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How to Pay Zero Tax for Income up to Rs 12 Lakhs from Salary for
Financial Year 2016-17 Budget 2016
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How to Pay Zero Tax for Income up to Rs 12 Lakhs from Salary for Financial Year 2016-17 Budget 2016
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The Budget has made no significant change for Tax Rates for Individuals. The Individuals who earn income of Less than 5 Lakhs
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rupees will get Rs 5000/- as Tax rebate under section 87A. There is increase insurcharge on income tax levied on individuals
earning income of Rs 1 crore or more from 12 per cent at present to 15 per cent. This move is aimed at taxing the rich. The Middle
Class always pay effective more tax including indirect taxes and have to plan their retirement and savings at the same time save
on overall tax outgo. The Article gives you brief idea on how to save tax and at the same time make proper investment and cover
insurance and Medical expenses risk.
1.
Investment in 80C for Purpose of taking full benefit of 1.5 Lakhs
Deduction under 80C is related to deduction that an individual can deduct from his gross taxable income in order to reduce his tax
liability by investing in specified investment. It is applicable to individuals and HUF. An assessee can get deduction under section
80C upto a maximum of Rs.150000.The qualifying investments and expenditure as deduction under 80C are investment in
Insurance Policy, Post Office Time Deposit Account, Investment in Equity Linked Saving Scheme (Mutual Funds), Public Provident
Fund, National Saving Certificate (Read Article Why to invest in National Saving Certificate ?) (https://expertmile.com
/arti.php?article_id=1019&title=Why-to-invest-in-National-Saving-Certificate-), Tuition Fees Paid, Bank Fixed Time Deposit,
Repayment of Principal of Housing Loan, SukannyaSamriddhi account, to Read more about Deduction under section 80C of
Income Tax Act -
Specified
investment /
Expenses Click here.
(https://expertmile.com/arti.php?article_id=1027&
title=Deduction-under-section-80C-of-Income-Tax-Act-Specified-investment-Expenses)
2.Investment in National Pension Scheme up to Rs 2 Lakhs
Finance Minister ArunJaitley in Budget 2015-16 introduced an additional income tax deduction of Rs. 50,000 for contribution to the
New Pension Scheme (NPS) under Section 80CCD. NPS is a voluntary pension scheme, which is regulated by the Pension Fund
Regulatory and Development Authority.This extra deduction of Rs. 50,000 on NPS will increase the total deduction allowed under
Section 80C and 80CCD of Income Tax Act to Rs. 2 lakh. In Budget 2016, the finance minister has made withdrawals from NPS on
maturity tax free upto 40% of the total corpus accumulated. Currently, none of the withdrawals were tax-free unlike other
competing instruments such as PPF and EPF where the total withdrawal was tax -free. This is a major step towards making the
NPS scheme more attractive and bringing it on par with the other EEE pension schemes. The Budget 2016 proposes to provide a
uniform tax treatment to the recognised provident fund, national pension system and superannuation fund.
It is proposed that 40% of the pension wealth received by an employee from the National Pension System Trust shall be exempt.
Read
Related
Article
National Pension
Scheme Return
Analysis and
Plan
Comparison
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/arti.php?article_id=932)
Read Related Article Save Tax by Additional deduction under National Pension Scheme (https://expertmile.com
/arti.php?article_id=1035)
3.Home Loan Interest and House Rent Allowance (up to Rs 2.5 Lakhs or Rs 60 Thousand)
Employess gets HRA as a part of Salary. If the Employee is living in rented accommodation they can Claim HRA benefit and save
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on taxes. If the Employee is staying with parents in that case too they can pay rent to parents and Claim HRA benefit. Click to
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read Article HRA House Rent Allowance Section 10(13A) - under the Income tax act 1961 (https://expertmile.com
/arti.php?article_id=1023&title=HRA-House-Rent-Allowance-Section-1013A-under-the-Income-tax-act-1961)
For employees who don't get HRA benefits, the FM raised the deduction against house rent from Rs 2,000 per month to Rs 5,000.
This would result in tax savings in the range of Rs 3,708 to Rs 12,204, depending on the income slab.
Further in Budget 2016 First time home buyers to get additional deduction of Rs 50,000 on interest for loan uptoRs 35 lakh. This
additional deduction has been given on interest for loan up to Rs 35 lakh, provided the house value doesn't exceed Rs 50 lakh.
For, the 2016-17 Budget proposes tax relief on interest payment on home loan if the property bought, or under construction, is
completed within 5 years from the end of the financial year in which the loan was availed instead of the current 3 years.Assuming
a loan of Rs 35 lakh to be paid over 20 years, the annual deduction comes to around Rs 2.5 lakh, including the Rs 2 lakh
currently available. At 9%, the interest outgo in the first year would be Rs 3.12 lakh. So, the buyer will save Rs 75,000 if he is in
the 30% tax-bracket
4.Tax Free Medical Allowance and Transport Allowance up to Rs 40 Thousand

Medical reimbursement and Transport Reimbursement can be claimed by the employee and it will be taken care in form 16 itself.
For Medical Bills Employee needs to submit proof of expenditure incurred.
5.Medical insurance for Self, Parents and Dependents up to Rs 50 Thousand

Payment of premium on life insurance policy and health insurance policy not only gives insurance cover to a taxpayer but also
offers certain tax benefits.Medical insurance premium paid by assessee, being individual/HUF by any mode other than cash.Sum
paid by assessee, being individual on account of preventive health check-up. Medical expenditure incurred by assessee, being
individual/HUF on the health of a very senior citizen person provided that no amount has been paid to effect or to keep in force an
insurance on the health of such person. Read More about Income Tax Benefit for taking Life Insurance Policy 80C, Health
Insurance 80D, and Expenditure on Medical Treatment 80DD (https://expertmile.com/arti.php?article_id=989)
6.Leave Travel Allowance Up to Rs 25000

An LTA is the remuneration paid by an employer for Employees travel in the country, when he is on leave with the family or alone.
Amount from LTA is tax free. Section 10(5) of the Income-Tax Act, 1961, which provides for the exemption and outlines the
conditions subject to which LTA is exempt. Read More about How to Claim exemption in Leave travel allowance section 10(5)
under the Income tax act 1961 (https://expertmile.com/arti.php?article_id=1022&title=Leave-travel-allowance-section-105-underthe-Income-tax-act-1961)
7.Reimbursement of Expenses for Mobile, Travel, newspaper as actuals
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Many employers provide reimbursement ofTravel Expenses, Mobile and Phone Bill and for News Paper. Employee has to submit
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proof of expenditure.
8.Meal Coupons up to Rs 10 thousand

Is Food Coupon like Sodexo coupons which are very famous given by employers to employee. Most of time employers and
employee are not aware of taxability of food coupon and assume they are exempted. Read more of Food Coupon Meal
Vouchers Income Tax Benefit under Salary Income (https://expertmile.com/arti.php?article_id=974)
9.Relief under Section 87A

Budget has increase the relief under section 87A from Rs 2000/- at present to Rs 5000/-. So effectively if taxable income is less
then Rs 5 Lakhs an individual can Claim relief of Rs 5000/- in taxes paid. If we consider 10% slab rate it turnout to be Rs 50000/as additional benefit which can be claimed in this Section
Form the above Picture it is clear that if the Individual plan in proper manner for the year 2016 -17 financial year he can not only
save taxes but can also plan an investment in Resident Property if he is not owing one. For Retirement benefit NPS seems to be
better option considering current changes in Budget 2016.
Also read relevant article:
How to Pay Zero Tax for Professionals (CA, CS, Lawyers, Doctors, etc) earning Income of Rs 16 Lacs in Financial Year
2016-17 - Section 44ADA Budget 2016 Click here to read
(https://expertmile.com/arti.php?article_id=1103&title=How-to-Pay-Zero-Tax-for-Professionals-CA-CS-
Lawyers-Doctors-etc-earning-Income-of-Rs-16-Lacs-in-Financial-Year-2016-17-Section-44ADA-Budget-2016)
How to Pay Zero Tax for Business Receipts -Turnover of Rs 1 Crore for Financial Year 2016-17 Budget 2016 Click here to
read (http://expertmile.com/arti.php?article_id=1101&title=How-to-Pay-Zero-Tax-for-Business-Receipts-Turnover-of-Rs-1-Crore-for-Financial-Year-2016-17-Budget-2016)
For any query you can write to Chirag@cachauhan.in (mailto:Chirag@cachauhan.in) . Before making any decisions do consult
your Professional / tax advisor. Author does not take any responsibility for misrepresentation or interpretation of act or rules.
Neither the author nor the firm accepts any liability neither for the loss or damage of any kind arising out of information in this
document nor for any action taken in reliance there on.
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PLEASE LOGIN FIRST TO COMMENT
(//expertmile.com/newview.php?profID=6814) SUPRIYA SINHA

(//expertmile.com/newview.php?profID=6814)
Posted On: 8 months ago
I guess the relief of 5000 under sec 87 A is only for those who has taxable income of less than 500000.
So how can one having an annual income of 1200000 can avail it??
(//expertmile.com/newview.php?profID=17) CA Chirag Chauhan

@ Supriya - the rebat is applicable on Taxable Income if it is less than 5 Lacs. In our Example Taxable
income will be less than 5 Lacs so applicable
(//expertmile.com/newview.php?profID=7415) satish Makhija
the listing looks ok.. but it is not practical to avail all those.. as a person who has 12 lacs income.. will
not be able to save in all those...where is the disposable income...????

@ satish 3 Lacs can be disposable Income ! i.e 25000 per Month. Fair enough to spend !!
(//expertmile.com/newview.php?profID=8104) Daksh
Contribution to nps by employer, how possible?

Employer has option he can make part of your CTC
(//expertmile.com/newview.php?profID=8175) yo yo honey singh
11/11/2016 6:33 PM
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What about
Pvt. Employees
who get only salary no other benefits then how we can
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show all such expence /Savings

@ homey singh it is applicable for all employees.
(//expertmile.com/newview.php?profID=642) Rakesh Rathod

so a person having 15 lacs income end up paying tax only on 3 lacs?

Yes @ Rakesh
(//expertmile.com/newview.php?profID=8530) Tejas Nagariya

for deduction on housing loan Interest, I need to have a loan, jz to save tax at MMR y would I do that,
and transport and medical allowance needs proof, transportation I think its fine, but what about, medical, if I dnt get sick,
I dont get it
(//expertmile.com/newview.php?profID=8643) vikrant rai
Sir i am a govt employee and my cpf is contributed towards nps on monthly basis. Is this (cpf)o be
included in the standard savings limit if 1.5 lakh or i can show this towards the 2lakh limit of nps and instead buy NSCs of
1.5 lakh.
(//expertmile.com/newview.php?profID=8676) Manish Bhardwaj
How it can be saved in FY 2015-16
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(//expertmile.com/newview.php?profID=8753) yaaaaa
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80D allow medical expenses under certain ill only
(//expertmile.com/newview.php?profID=8096) AKHIL
Sir, Home Loan Interest (in case of First time buyer) max amt of exemption is 2,50,000 p.a Can we
claim 2,50,000 at regular intervals at every year? it it is possible how many years we can claim ?
(//expertmile.com/newview.php?profID=9462) Dipanshu
Home Loan interest rebate section not clear....Plz explain
(//expertmile.com/newview.php?profID=9763) narayanan
sir, phone and communication expenses pls explain. Everyone using internet in home. It is a
Reimbursment? It is claim in IT?
(//expertmile.com/newview.php?profID=10720) Piyush
Hi, If I miss to claim medical expanse of 15k and it does not appear in form 16, then will I be able to
claim refund while filling return ?

@ Tejas - It can Practically. 100% of Employee Avail Transport and Medical despite they may not have
incured expenditure ! Hope you can read between lines @ Vikrant Rai - NPS you can claim seperate deduction uo tp 50k
@ Manish - Most of dedcution are same as for FY 2015-16 @Yaa - 80D is for Medical Premium paid and Prevenive health
check up. Read Details Article in Link Provided

@ Akhil - You can claim every year home loan interest amount of 2.5 LAcs @ Dipanshu - Its as per
Changes in Finance Bill 2016 and has increased dedcution of 50k @ Narayana - Youe Employer must structure your
Salary so that you can claim @Piyush - No you cannot
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(//expertmile.com/newview.php?profID=12107) Manjukumar
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Hello...for a person who s having 5 lkh Income...what all things can be shown to avoid maximum
tax???

@Manju any combination of above listed
(//expertmile.com/newview.php?profID=12386) Mahesh Verma

(//expertmile.com/newview.php?profID=9763) narayanan
sir, phone and communication expenses pls explain. Everyone using internet in home. It is a
Reimbursment? It is claim in IT? Pls explain
(//expertmile.com/newview.php?profID=13201) NAGARAJAN
Sir, Home Loan Interest (in case of First time buyer) max amt of exemption is 2,50,000 p.a , with a loan
amount less than 35 lakhs.Is it for first time buyers after 1st Apr 2016 or already existing First Home Loan.
(//expertmile.com/newview.php?profID=12981) nagesh
I am Consultant, my consolidated payment is something 606420 pm. i have tax saving mutual funds
Rs 70000/- per yr. & Rs 35000/- LIC and what other documents i can show for tax deduction. 1. Should I increase my
saving to makeup Rs. 150000/- ? 2. Can i separate it out Rs. 60000/- rent 3. What other expense I can show so that i pay
less tax.
(//expertmile.com/newview.php?profID=12981) nagesh
Sorry it is Rs. 60640/-
(//expertmile.com/newview.php?profID=14557) arshad
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(//expertmile.com/newview.php?profID=14557) arshad
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hi since i was appointed before 2010 i am paying monthly subscription to general provident fund and
not towards NPS, then how can one save tax by contributing towards both PPF and NPS also
(//expertmile.com/newview.php?profID=14905) Ratan
I am a private employee having annal income of 1320000 and I get no other benifit. My form 16
provided by employer shows the total salary to be basic amount without any other bifurcation. So can I take the above
listed deduction?

@NAGARAJAN Is it for first time buyers after 1st Apr 2016

@nagesh you can increase to 1.5 lac . you can claim HRA or Interest on housing loan

@ Arshad - You can get 1.5 for PPF and adittional Rs 50k for NPS @ RAtan - Email me your Form 16
at chirag@cachauhan.in
(//expertmile.com/newview.php?profID=17304) chris telore

Sir, my salary component does not include medical allowance, travel allowance, newspaper and
periodical allowance. ..is it possible for me to claim benefit...
(//expertmile.com/newview.php?profID=17616) shital40@gmail.com
mam /sir pls service tax , Tds Vat Cst all tally erp9.0 detail working notes give me my mail id
shital40@gmail.com
(//expertmile.com/newview.php?profID=17989) Pramod Singh
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Hi Chirag Sir, I am self employed IT professional, can i use all the deduction heads mentioned in the above list while
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return filing in the Assessment Year 2016-17?
(//expertmile.com/newview.php?profID=8530) Tejas Nagariya
@Chirag chauhan sir I know about from a newspaper article and I hope u r doing fine and your physio
is going good, thnx for the answer

@ Chris - You need to ask your employer to change salary structure so that you can claim all benefit.
Unless your employer change you cannot avail it. @Shital - You can search in this site you should get most of your
requirments @ Pramod - Read this articlehttps://expertmile.com/arti.php?article_id=1103 @ Tejas - Yes doing fine. Hope
you too doing good. Thanks
(//expertmile.com/newview.php?profID=14090) Neha Chaurasia

Hi Sir , Can employer provide conveyance Reimbursement of Rs.120000/- to employees for personal
fuel expenses if they provide bills (Not for Office travel)?

@Neha - Traveling should be for office use only and not for personal travel

If company is not giving any benifit of LTA, Treavel reimbursement, Car reimbursement, new paper &
Periodicals etc than how can you claim as a rebate.

@Manish - You cannot claim unless your CO provides these benefits. You need to convince them to
structure your salary in above manner so it can be good take away for employees
(//expertmile.com/newview.php?profID=19984) SURESH KUMAVAT
11/11/2016 6:33 PM
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(//expertmile.com/newview.php?profID=21395) Nisha
How can a director getting salary of Rs 1200000 income save his income tax.

@ Nisha mail salary slip break up and form 16 details at chirag@cachauhan.in
(//expertmile.com/newview.php?profID=21790) aruna
(//expertmile.com/newview.php?profID=21790) aruna
Hi sir please explain How can I get Travel&fuel Reimbursement of Rs.1,20,000

@ Arun - Provided your Employer provides
(//expertmile.com/newview.php?profID=22052) temporary
this formula of yours is not for everyone earning 12 lacs pa and you should correct the article heading,
my ctc is 12 lacs but i have a desk job and do not get to travel for office use at all so tell me this how do i claim this
reimbursement of 120000 as traveling and fuel reimbursement (my ctc has conveyance allowance) Newspaper &
periodicals????? my company and few of my friends none are reimbursing these expenses (so i think you should take
practicality into account before writing anything) 24000k-2k monthly on newspaper & periodicals, really?????? lastly
phone & communication 36k there is a limit on phone reimbursement in my company and i think this will be the case in
most of the companies. i think you should write an article with real life scenarios and practicality. thanks

@ Temporary. It is most practical and applied by most of organization and employees to save tax in
most effective way! As one size do not fit every one in tax planning too, my suggestion are general and cannot apply in
each and every case! However Majority have benefited from above planning !
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(//expertmile.com/newview.php?profID=23416) Kssr satya
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If anone who is earning 6.5 lakhs yearly.who has brought a property of 50 lakhs with the help of his
siblings at the cost of 40lakhs.investment will be 50% and 25 % and 25 % each. Then they should pay the tax for the
remaining 10 laks which they have got as a profit from the seller. Actual cost of land as per government is 50 lakhs but
the seller is sold at 40 lakhs for his requirements and the taxes are paid for 50 lakhs to the government as per rules. Or
they should show this as income in their Form 16 in the returns.
(//expertmile.com/newview.php?profID=23445) Mandar Bhalerao

Wef from 1st June 16, we need to give bills for LTA exemption. We also need to pay mediclaim
premium for deduction. Same with mobile reimbursement and medical bills reimbursement. Plus in most of companies,
LTA and medical bills are over and above CTC. Also if I invest (or spend) this much, my disposable income would be
around 3 lacs. Considering I have a housing loan of 30L, EMI would be around 25- 30K. So how do I survive? Investing in
80c and NPS will block money for at least 5 yrs. So how to strike balance?

@ KSSR Mail me in detial your query ! @ Mandar Disposable Incoem of 3 Lacs approx is 25k pm its
enough for household expesnes. Investment you have already made and cliam all dedcution
(//expertmile.com/newview.php?profID=23770) Prashant Narali
Hello Chirag, Kindly let me know how to claim tax exemption in a)Phone,communication b) Medical
expense for self & parents
(//expertmile.com/newview.php?profID=26568) VEERESH KUMAR


@ Prashant - Your Employer need to provide that in your salary structure so that you can claim
(//expertmile.com/newview.php?profID=27045) Alok Gupta
How can we save LTA if company is paying Rs 125000 per annum
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(//expertmile.com/newview.php?profID=27069) Anshul dhangar
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Hi chirag i am in armed forces where in pay we get many allowance like kit
maintenance,MSP,TPT(transport allowance) . . Can Dese allowance be minus frm the total taxable salary. . . And also we
claim ltc evry year to travel home station. . For wich amount get added to our salary can dis be subtracted. . . Further
dearness allowance is also dere is mandatory deduction of 5k for NGIS(insurance scheme). . And also wen we travel
officially to different places on temporary duty we get money credited in my account for travelling n stay fr same we claim
wd d bills n tickets. . Wat can be done with d amount added in our salary. . . . . Seeking fr your reply
(//expertmile.com/newview.php?profID=27093) D H Atul
Please clarify Rs. 12000 in meal coupons. The maximum tax free is Rs. 100 per day. That means a
total of Rs. 3000/- per month only
(//expertmile.com/newview.php?profID=27176) manish kumar singh

can anyone file my return and get me refunded all my tax which i gave............ treat for him/her for
sure :)
(//expertmile.com/newview.php?profID=27571) JRAOyeddu
This article is providing misleading information. about Zero tax. NPS is for employee joined job after
year 2004. How LTA carries tax benefits if office is reimursing teh travel cost?. Similarly how newspaper and telephone
bills carry tax benefits when there are getting reimbursed?

@ Alok - your co need to provide your LTA benefit to claim. @ Atul - We have taken meal
reimbursement on conservative basis @ Manish - You are asking like Christmas Santa Gift - You can get all your taxes
dedcuted back provided you plan well during the year ! @ JAR - Nothing in this article is misleading. All benefits can be
very well calimed if proeprly planned.

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@ anshul - Please email me with our form 16, will review and get back to you
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(//expertmile.com/newview.php?profID=29597) sunil Sawant

I am Defence Pensioner, who do I save on Income Tax?
(//expertmile.com/newview.php?profID=31050) Nikhil Sharma

Hi Chirag, For FY-2015-16 , Is Reimbursement of Expenses for Mobile is tax free as you mentioned
above. We are claiming Mobile bill reimbursement from organization but thats not a part of Pay Slip. Please confirm.
Thanks in advance. Nikhil Sharma

@ Nikhil - Its Reimbursement so not show in salary slip. However it is one of component in your salary
structure
(//expertmile.com/newview.php?profID=31288) Sharon
Posted On: 1 month ago
Hi Chirag, Can you tell me more about Fuel and Maintenance Reimbursement. Some companies give
this up to 1,50,000 p.a but IT rules allows an exemption of 1800/-p.m if car CC is less than 1600cc. Also they give driver
reimbursement up to Rs 1,20,000/- but IT rule allows an exemption of Rs 900/- p.m. Can you tell me how does the whole
amount get tax exempted and how does it get accounted for while calculating tax. Thanks!
(//expertmile.com/newview.php?profID=31290) Ritesh
Hello Chirag!! I have an income of 4.5lpa. I get my whole salary from employer except a TDS deduction
of 1000 per month. What should i do and discuss with the employer for saving tax. I am planning on full 1.5 lacs 80C.
except that i think i am left with 50K more to bring my slab to no taxes. I live in rented place. How can i use that? Thanks!
(//expertmile.com/newview.php?profID=31437) jayprakash kumar

I am filling income tax online but did not get that much option there. can you please categorize by their
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respected section.
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(//expertmile.com/newview.php?profID=31646) Inder Sharma
Posted On: 3 weeks ago
I am a defence pensioner (retired recently), doing a private job now. Am getting Rs 2,88,000 as pension
and 7,80,000 as salary p.a., thereby making it to be 10,68,000 p.a. Is there any special provision for exemption on
pension or will it be treated like normal salary??
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How To Pay Zero Tax For Income Up To Rs 12 Lakhs From Salary For Financial Year 2016-17 Budget 2016 by CA Chirag Chauhan PDF

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How To Pay Zero Tax For Income Up To Rs 12 Lakhs From Salary For Financial Year 2016-17 Budget 2016 by CA Chirag Chauhan PDF

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Investment in 80C for Purpose of taking full benefit of 1.5 Lakhs

Expenses Click here.

2.Investment in National Pension Scheme up to Rs 2 Lakhs

4.Tax Free Medical Allowance and Transport Allowance up to Rs 40 Thousand

5.Medical insurance for Self, Parents and Dependents up to Rs 50 Thousand

6.Leave Travel Allowance Up to Rs 25000

7.Reimbursement of Expenses for Mobile, Travel, newspaper as actuals

8.Meal Coupons up to Rs 10 thousand

9.Relief under Section 87A

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(//expertmile.com/newview.php?profID=6814) SUPRIYA SINHA

Posted On: 8 months ago

(//expertmile.com/newview.php?profID=17) CA Chirag Chauhan

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(//expertmile.com/newview.php?profID=7415) satish Makhija

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(//expertmile.com/newview.php?profID=17) CA Chirag Chauhan

Posted On: 8 months ago

Contribution to nps by employer, how possible?

(//expertmile.com/newview.php?profID=17) CA Chirag Chauhan

Posted On: 8 months ago

Employer has option he can make part of your CTC

(//expertmile.com/newview.php?profID=8175) yo yo honey singh

Posted On: 8 months ago

show all such expence /Savings

(//expertmile.com/newview.php?profID=17) CA Chirag Chauhan

Posted On: 8 months ago

@ homey singh it is applicable for all employees.

(//expertmile.com/newview.php?profID=642) Rakesh Rathod

Posted On: 8 months ago

so a person having 15 lacs income end up paying tax only on 3 lacs?

(//expertmile.com/newview.php?profID=17) CA Chirag Chauhan

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(//expertmile.com/newview.php?profID=8530) Tejas Nagariya

(//expertmile.com/newview.php?profID=8643) vikrant rai

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(//expertmile.com/newview.php?profID=8676) Manish Bhardwaj

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(//expertmile.com/newview.php?profID=8676) Manish Bhardwaj

Posted On: 8 months ago

How it can be saved in FY 2015-16

80D allow medical expenses under certain ill only

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Home Loan interest rebate section not clear....Plz explain

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(//expertmile.com/newview.php?profID=17) CA Chirag Chauhan

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(//expertmile.com/newview.php?profID=17) CA Chirag Chauhan

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(//expertmile.com/newview.php?profID=17) CA Chirag Chauhan

Posted On: 8 months ago

@Manju any combination of above listed

(//expertmile.com/newview.php?profID=12386) Mahesh Verma

Posted On: 8 months ago

Posted On: 8 months ago