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5 Real Tax Saving Investments - बाकी सब मोह माया है !!!





1.Invest in ELSS – Tax Saving Mutual Funds 

  • Highest returns among other 80C options
  • Lowest lock-in of 3 years
  • Option to invest monthly (SIP) as low as Rs.500 or lumpsum
  • Get online investment proof
  • Simple as hell - download mobile app of any Mutual fund - fill details
      select tax saver fund - and its done


Below are best funds right now for investment -






Beauty of ELSS is only it has advantage of 3 years lock in period and for
people up for 1.5 lac investment can invest in this and after 3 years would
get lumpsum amount including returns and could create buffer for every 
year 1.5 lac investment.

लगातार 3 साल ELSS में 1.5 लाख Invest करने से 4 साल से हर साल Invest 
करने के लिए एक फ़ंड बन जाएगा |

All about tax saving and PPF

2.TERM INSURANCE PLAN :

If you think term insurance is a ‘waste of 
money’, think again…
Do any of these sentences sound familiar?
  • Insurance is too complex for me
  • I am too young to buy an insurance policy
  • What’s going to happen to me? I am hale and hearty!
  • I am always here for my family…
  • Health science is pretty advanced, people live much longer
If yes, then you need to consider the case of Rohit and Jyoti.
My colleague told me that she was investing in a term policy. I could not

 understand the need for it. She said, "Just like you, I too did not care for life
insurance earlier. However I saw death very closely in my family. Rohit, 
my brother-in-law passed away in a car accident. He was 48.This left my
 sister Jyoti in an emotional shock and financial disorder.
Luckily, Rohit had taken a term insurance plan at the age of 37. He had chosen 
a life cover of  Rs. 50 lakhs and a policy term of 30 years. He even had an 
accident benefit rider. Jyoti received the amount within ten days. This helped 
her manage daily expenses as well save for the bigger goals like her child’s
 education and marriage.”

After this conversation, my perception about life insurance changed. I read 
online to learn the benefits of term insurance. I now acknowledge that anybody
 can face a crisis in life. You should always plan a financial backup for your 
loved ones such as parents, spouse, siblings, and children.
A term insurance policy allows you to do just that. The proceeds from the 
term plan will allow your family/ dependents to maintain their lifestyle, 
meet their financial goals, and pay off liabilities in case of your early demise.
You can even opt for various riders available with term insurance to enhance
its applicability. The first step to purchasing term insurance, is knowing the 
benefits. 

So, what are the Key Benefits of Term Life Insurance?

 1. Term Insurance offers high life covers at lower premiums
One of the major benefits of term insurance is its low cost, particularly if you 
buy online. When a policy is bought online, the benefit of cost save is transferred
 to the customer. For example,Online Term Plan offers a 28-year-old, non-smoker
 a life cover of Rs. 1 crore for a premium of just Rs. 563 per month.
Additionally, the premiums are lower when you buy it a young age. Thus, the earlier
 you buy a term policy, the lower the premiums.

2. Simplicity of Term Plans

Understanding term insurance is easy. It is a pure life cover. This means that there
 is no investment component. One needs to simply pay premiums against which
 the insurer covers the life risk of the policyholder for a fixed duration. A term
 insurance policy can be bought through an advisor or directly online.

3. Tax Benefits of Term Insurance

Tax savings should not be the main reason to purchase a term policy; nevertheless, 
both the premiums as well as the payouts offer tax benefits and exemptions 
respectively as per prevailing tax laws.
Benefits under Section 80C
Life insurance premiums up to Rs. 1.5 lakh per annum are exempt as per section 
80C of the Indian Income Tax Act subject to fulfillment of certain conditions 
specified. This is also available for the life insurance premiums paid for your 
spouse and/or children.
Benefits under Section 10 (10D)
Term insurance plans offer certain payout on maturity and/or death of the policyholder.
 The maturity amount, or the death benefit, are fully exempt under the provisions of 
10 (10D) of the Income Tax Act 1961.
However such cases are rarely found in term insurance plans.

4. Death Benefit Options

While term policies provide a lump sum maturity amount, you can get plans that 
combine lump sum and monthly incomes, and also those with an option of lump
sum with increasing monthly income. This helps your family manage regular 
expenses and also manage the inflation impact.

Tax Saving - जल्दी का काम शैतान का||

3. Tax Saving Fixed Deposit 


Tax saver fixed deposit (FD) is a type of fixed deposit, by investing
in which, you can get tax deduction under section 80C of the Indian 
Income Tax Act, 1961.
Any investor can claim a deduction of a maximum of Rs.1. 5 lakh 
by investing in tax saver fixed deposits.
  • Lock-in period of 5 years
  • Interest earned is taxable
  • Rate of Interest ranges from 5.5% – 7.75%
  • any bank can be approached
  • easy to understand and invest
  • available online by Netbanking


4.Public Provident Fund

PPF account can be voluntarily opened with any nationalized bank, 
selected authorized private bank or post office. The account can be
opened in the name of individuals including minor.
  • The minimum amount is ₹500 which can be deposited.
  • The maximum amount which can be deposited every year is ₹150,000 
       in an account at present.
  • deposit in account is restricted to only 12 times in a year
  • There is lock in period of 15 years
  • The rate of interest at present is 8.0% per annum (as of Dec 2018).
       Interest received is tax free.
  • The interest earned on the PPF subscription is compounded annually.
  • The entire balance can be withdrawn on maturity.
  • All the balance that accumulates over time is exempted from wealth tax.

5.Health Insurance

Purchasing a health insurance is an integral part of financial planning.


It all starts with the constant increasing prices of healthcare in our country,
and with the ever rising instances of diseases, health insurance today is a 
necessity. Health insurance provides people with a much needed financial 
backup at times of medical emergencies. Health risks and uncertainties 
are a part of life. One cannot plan and get sick but one can certainly be

prepared for the financial aspect. One of the ways to be financially prepared
 against uncertain health risks is by buying health insurance.
Income tax benefit: 

Payments made towards health insurance premiums are also eligible for 
tax deductions under section 80D of the Indian Income Tax Act. Individuals
up to 60 years of age can claim  a deduction of up to Rs. 25,000 for the health 
insurance premium paid for themselves, or for their spouse or children. One 
can also claim another Rs. 50,000 as deduction if you buy health insurance 
for your parents aged 60 years and above.
This deduction will be available with respect of payments towards annual
 premium on health insurance policy, or preventive health check-up, of a 
senior citizen, or medical expenditure in respect of every senior citizen. 
So overall, if you are paying the health insurance premiums for your senior
citizen parents, you can avail total deduction up to Rs.75,000 (Rs. 25,000 
+ Rs. 50,000), from the Rs. 55,000 (Rs. 25,000 + Rs. 30,000) earlier.


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