Tax Saving ke 5 smart tareeke jo naye investors ignore kar dete hain (2025)

Introduction

Tax Saving Tips for New Investors 2025 Aksar naye investors sirf mutual funds ya stocks me invest karke soch lete hain ki unhone smart decision le liya. Lekin jab financial year ke end me tax ka pressure aata hai, tab unhe realize hota hai ki unhone kaafi important tax saving options miss kar diye. 2025 me government ne kai aise schemes aur sections diye hain jinke through aap apna tax liability kam kar sakte hain – lekin naye investors inka fayda uthana bhool jaate hain.

Is blog me hum unhi 5 smart tax saving options ke baare me baat karenge jo aapke portfolio ko aur bhi strong bana denge. Chahe aap salaried ho ya self-employed, ye tips aapke liye kaafi upyogi honge. Ye options legal hain, easily accessible hain, aur returns bhi achhe dete hain. Toh chaliye shuru karte hain.

Tax Saving kya hota hai?

Tax saving ka matlab hai apni annual income me se kuch amount aise financial products me invest karna jinke badle aapko income tax me chhoot milti hai. Indian Income Tax Act ke various sections – jaise 80C, 80D, 24(b) – ke under kuch deductions milte hain. In deductions ka sahi use karne se aap apna tax burden kam kar sakte hain.

Tax saving sirf paisa bachane ka zariya nahi hai, balki yeh aapko disciplined investing aur long-term wealth creation ke liye bhi inspire karta hai. Isliye har naye investor ko iska basic knowledge hona chahiye.

Kyu jaruri hai naye investors ke liye tax saving options samajhna?

Naye investors ke paas limited salary ya income hoti hai. Agar usme se bhi unnecessary tax kat jaye, toh long-term wealth build karna mushkil ho jata hai. Isliye agar shuruaat se hi smart tax planning ki jaaye, toh future me financial freedom mil sakti hai.

Ek aur reason yeh hai ki naye investors generally market ke dazzle me confuse ho jaate hain aur ELSS, PPF jaise tools ignore kar dete hain – jo tax saving ke saath-saath secure aur achhe returns bhi dete hain.

Top 5 Smart Tax Saving Tareeke (2025 ke liye)

1. ELSS (Equity Linked Saving Scheme) me Invest karna

• ELSS ek tax-saving mutual fund hai jo Section 80C ke under ₹1.5 lakh tak ki deduction deta hai.
• Lock-in period sirf 3 saal ka hota hai (shortest among tax-saving instruments).
• Long-term me achhe equity returns milte hain.

2. NPS (National Pension Scheme) ka use karna

• Section 80CCD(1B) ke under additional ₹50,000 ka deduction.
• Retirement ke liye ek disciplined aur tax-efficient option.
• Government-backed aur low cost scheme hai.

3. Health Insurance lena (Section 80D)

• Aap apne aur family ke health insurance premium par ₹25,000 – ₹75,000 tak ka tax benefit le sakte ho.
• Health emergency ke liye bhi secure ho jaate ho.

4. Home Loan ka interest aur principal claim karna

• Section 80C me principal amount aur Section 24(b) me interest ka deduction.
• Ek saal me total ₹2 lakh tak interest aur ₹1.5 lakh principal claim kar sakte ho.

5. Tax Saving Fixed Deposit / PPF / Sukanya Samriddhi Yojana

• Ye traditional options 80C me covered hain.
• PPF aur SSY long-term aur safe hai.
• Tax-free returns milte hain aur government guarantee hoti hai.

Kya dikkat hoti hai naye investors ko?

• Awareness ki kami: Log ELSS ya NPS jaise new-age tools ko nahi jaante.
• Delay in action: Financial year ke end me hasty decisions lete hain.
• Only LIC-type policies me invest karke sochte hain ki tax save ho gaya – jabki returns low hote hain.

Smart Planning kaise karein?

• Financial year ke start me plan karein, last minute pe nahi.
• Multiple sections ka use karein – sirf 80C pe depend na rahein.
• Online platforms ka use karein jahan tax saving calculator milte hain.

Monthly Income ke liye Best Investment Plans 2025 Guide

Tax Saving ke 5 smart tareeke jo naye investors ignore kar dete hain (2025) video guide

FAQs (Frequently Asked Questions)