Advisory
7 legal opportunities identified, worth approximately ₹0 of tax. Each is derived from the statutory limits and re-computed against your actual numbers.
You have claimed ₹0 of the ₹1,50,000 ceiling. ELSS (3-year lock-in, equity returns), PPF, Sukanya Samriddhi, 5-year tax-saver FD, life insurance premium, children's tuition fees and home-loan principal all qualify.
Next step: Invest ₹1,50,000 before 31 March 2026.
Section 80CCD(1B) gives an additional ₹50,000 over and above the 80C ceiling for your own NPS Tier-I contributions. You have used ₹0.
Next step: Contribute ₹50,000 to NPS Tier-I.
An additional deduction of up to ₹50,000 is available for premium paid for senior-citizen parents (₹25,000 if they are below 60). This is over and above your own ₹25,000 limit.
Next step: Purchase or transfer your parents' health policy into your name.
Premium up to ₹25,000 for self, spouse and children is deductible, including ₹5,000 for preventive health check-ups. You have claimed ₹0.
Next step: Insure the remaining ₹25,000 of premium capacity.
Where no HRA is received, section 80GG allows the least of ₹5,000 per month (₹60,000 a year), 25% of total income, or rent paid less 10% of total income. Form 10BA must be filed.
Next step: File Form 10BA and declare the rent you pay.
There is no monetary ceiling on 80E. It runs for 8 assessment years from the year repayment starts, and covers loans for self, spouse, children or a student you are the legal guardian of.
Next step: Collect the interest certificate from your lender if you have a loan.
Donations to approved funds are deductible at 100% or 50% depending on the fund. Cash donations above ₹2,000 are disallowed — pay digitally and collect the 80G certificate and Form 10BE.
Next step: Route planned charity through 80G-approved institutions.
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