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Tax-Savings

Investing in tax-saving instruments not only helps you reduce your tax burden but also enables you to build wealth over the long term. Satija Consultants offer a variety of tax-saving investment options that cater to different risk appetites and financial goals.

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    Maximizing Returns while Minimizing Tax Liability

    1. Equity Linked Savings Schemes (ELSS)

    • LSS funds invest primarily in equity markets and offer the potential for high returns over the long term. Investments up to Rs. 1.5 lakh per annum qualify for tax deductions under Section 80C of the Income Tax Act.
    • ELSS funds have a mandatory lock-in period of 3 years.

    2. Public Provident Fund (PPF)

    • PPF is a government-backed savings scheme with a tenure of 15 years, offering tax-free returns. Contributions up to Rs. 1.5 lakh per annum are eligible for tax deductions under Section 80C.
    • Flexible contribution amounts and the option to extend the account in blocks of 5 years post maturity.

    3. National Pension System (NPS)

    • NPS is a voluntary retirement savings scheme that offers both tax benefits and retirement planning. Contributions up to Rs. 2 lakh per annum qualify for tax deductions under Section 80CCD(1B), over and above the limit of Section 80C.
    • Allows choice of investment options between equity, corporate bonds, and government securities.

    4. Tax-Saving Fixed Deposits (FDs)

    • Tax-saving FDs offered by banks have a lock-in period of 5 years and offer tax deductions under Section 80C on investments up to Rs. 1.5 lakh per annum.
    • Fixed interest rates provide stable returns over the investment period

    5. Employee Provident Fund (EPF)

    • EPF is a mandatory savings scheme for salaried employees, offering tax deductions under Section 80C on contributions made by both the employee and employer.
    • Provides stable returns with interest rates decided by the government annually.
    Choosing the right tax-saving investment depends on your financial goals, risk tolerance, and investment horizon. Satija Consultants provide expert guidance and personalized advice to help you navigate through these options and make informed decisions. Start investing today to save taxes and secure your financial future with confidence.

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    Frequently Asked Questions

    Tax-saving investments are financial instruments that help individuals reduce their taxable income, thereby lowering their tax liability. These investments are eligible for deductions under various sections of the Income Tax Act, such as Section 80C, Section 80CCD(1B), and others.
    LIC offers various insurance plans, including term insurance, whole life plans, endowment plans, health insurance, pension plans, child plans, and unit-linked insurance plans (ULIPs).
    Popular tax-saving investments include Equity Linked Savings Schemes (ELSS), Public Provident Fund (PPF), National Pension System (NPS), Tax-Saving Fixed Deposits (FDs), Unit-Linked Insurance Plans (ULIPs), Senior Citizens Savings Scheme (SCSS), and Employee Provident Fund (EPF).
    Yes, you can claim tax deductions under Section 80C on investments made in multiple eligible instruments, provided the total amount does not exceed Rs. 1.5 lakh per financial year.
    • B-85/B, Ground floor, Kalkaji,
      New Delhi, 110019
    • pramodh.satija@gmail.com
    • +91 9811611555
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    • B-85/B, Ground floor, Kalkaji,
      New Delhi, 110019
    • pramodh.satija@gmail.com
    • +91 9811611555
    Facebook Twitter Youtube