Whalesbook
Agar aapki company ne new tax regime se TDS kaata hai, toh chinta mat karo! Aap ITR filing ke time old tax regime choose kar sakte ho aur HRA, LTA, Section 80C jaise deductions claim kar sakte ho. Final decision aapka hoga ITR file karte time, employer ke TDS calculation par depend nahi karta.
Company ne New Regime se TDS kaata? Koi Tension Nahi!
Arey bhaiyo aur beheno, agar aap salaried ho aur aapke employer ne new tax regime use karke TDS kaata hai, toh darne ki koi baat nahi hai. Aapke paas abhi bhi mauka hai old tax regime choose karne ka jab aap Income Tax Return (ITR) file karoge. Bahut logo ko lag raha tha ki company ne jo TDS kaata, wohi final ho gaya aur woh ab HRA, LTA, ya Section 80C ke deductions nahi claim kar payenge. Lekin aisa bilkul nahi hai!
TDS aur ITR mein kya hai fark?
Samajh lo ki employer jo TDS deduct karta hai na, woh sirf ek estimate hai. Aapki asli tax liability toh tab decide hoti hai jab aap ITR file karte ho. Jab aap ITR file karne baithoge, tab aap choose kar sakte ho ki aapko old regime se tax bharna hai ya new regime se, jo bhi aapke liye better ho. Aapke employer ka TDS calculation final nahi hota hai.
Saving ka Funda!
Tax regime choose karna aapki savings ke liye bahut important hai. New tax regime mein tax rates kam ho sakte hain, lekin deductions bahut kam milte hain. Jabki old tax regime mein aap rent, home loan interest, aur investments jaise PPF, LIC, ELSS par deductions claim karke apna taxable income reduce kar sakte ho. Agar aapke paas aise kharche ya investments hain, toh old regime choose karne se aapki total tax liability kam ho sakti hai aur shayad refund bhi mil jaaye.
Business Income Walo Ke Liye Special Note
Jo log sirf salaried hain aur koi business income nahi hai, woh har saal freely regime change kar sakte hain. Lekin agar aapko business income bhi hai, toh old regime choose karne par restrictions ho sakti hain ki aap kitni baar switch kar sakte ho. Apni income source check karna mat bhoolna!
Kya Dhyaan Rakhna Hai?
Sabse important date hai ITR filing ki deadline, jo most individuals ke liye July 31st hai. Is date tak return file karna zaroori hai agar aap old regime choose karna chahte ho. Agar late hue, toh old regime ka option chhoot jayega aur tax new regime ke hisaab se assess hoga. File karne se pehle, income tax portal par tax calculator use karke dono regimes mein apni tax liability compare kar lena.