NPS Tax Benefit Calculator — 80CCD Se Kitna Tax Bachega
NPS me tax ki chhoot teen alag jagah se milti hai, aur teeno ke niyam alag hain. Ek 80C ke andar hai, ek uske upar alag se hai, aur ek company ki taraf se milti hai — jo naye regime me bhi chalu rehti hai.
Neeche apna yogdaan, company ka yogdaan aur slab daaliye. Kis regime me kitna bachega, ye saamne aa jayega.
Teen jagah se chhoot — teeno ka alag niyam
NPS ki chhoot ko ek rakam samajhna sabse aam galti hai. Teen alag daraaze hain, aur har ek ki chaabi alag hai.
| Section | Kitna | Khaas baat |
|---|---|---|
| 80CCD(1) | 80C ki 1.5 lakh wali seema ke andar | PPF, LIC, ELSS sabke saath baantna padta hai |
| 80CCD(1B) | Alag 50,000 | Sirf NPS ke liye, 1.5 lakh se upar |
| 80CCD(2) | Company ka yogdaan, tay pratishat tak | Aapki seema me ginti nahi, aur naye regime me bhi milta hai |
Teesri line sabse zaroori hai. 80CCD(2) aapki apni chhoot me se nahi katta — wo company ke diye hue paise par alag se milta hai. Aur yahi ek aisi chhoot hai jo naye tax regime me bhi bachi hui hai.
Naye regime me sirf ek darwaza khula hai
Naye regime me zyadatar chhoot khatam ho chuki hain. 80C, 80CCD(1) aur 80CCD(1B) — teeno wahan kaam nahi karte. Par company ka yogdaan wala hissa wahan bhi chalu hai.
Isi wajah se aaj kai company salary ke dhaanche me NPS ka vikalp dene lagi hain. Agar aapki company ye suvidha nahi deti, to HR se ek baar poochna banta hai. Ye unke liye extra kharch nahi hota — usi CTC ke andar se hissa badalta hai.
Dono regime ka milaan karna ho to Old vs New Tax Regime Calculator me apna number daal lijiye.
Chhoot lene se pehle ye sochna zaroori hai
Tax bachana achha hai, par NPS koi saadharan nivesh nahi hai. Do sakht sharten hain jo chhoot ki chamak me chhoot jaati hain.
- Paisa 60 saal tak band hai. Beech me nikaasi sirf gine-chune kaaran par aur seemit rakam tak hoti hai.
- 60 par bhi poora paisa nahi milta. Ek bada hissa annuity me lagana hota hai, jisse mahine ki pension banti hai. Wo pension slab par tax me aati hai.
Yaani NPS me chhoot aaj milti hai aur tax kal lagta hai — poora khatam nahi hota, sirf aage khisak jaata hai. Iske badle me aapko lamba anushaasan aur kam kharch wala nivesh milta hai.
80C pehle se bhara ho to kya karein
Zyadatar naukri walon ka 80C to EPF, bachche ki school fees aur home loan ke principal se hi bhar jaata hai. Aise me 80CCD(1) ka koi faayda nahi bachta.
| Sthiti | NPS me kitna daalna theek |
|---|---|
| 80C khaali hai | 1.5 lakh + 50,000 dono ka rasta khula |
| 80C pehle se poora | Sirf 50,000 ka faayda — utna hi daaliye |
| Naye regime me hain | Apne paise se kuch nahi — employer wala rasta dekhiye |
Isliye har saal December ke aas-paas ek baar apna 80C dekh lena samajhdaari hai. Bahut log 80C poora hone ke baad bhi usi khaate me paisa daalte rehte hain, jiska tax me koi faayda nahi hota.
Apni 80C ki seema Section 80C Calculator me dekh lijiye.
Saal ke aakhir me chaar minute ka kaam
Ye chaar cheezein har saal ek baar dekh lijiye. Isse zyada kuch nahi chahiye.
- 80C me pehle se kitna bhar chuka hai — EPF, fees, loan ka principal, insurance sab jodkar.
- Kaunsa regime aapke liye sasta pad raha hai — har saal badla ja sakta hai (vyapaar wale iske apwaad hain).
- Company NPS ka yogdaan deti hai ya nahi, aur kitna pratishat.
- Yogdaan ki rasid HR ko samay par de dijiye, warna salary se zyada TDS kat jaayega aur paisa refund me hi wapas aayega.
NPS ka corpus kitna banega, ye NPS Calculator me aur bachche ke liye NPS Vatsalya Calculator me dekh lijiye.
Aksar pooche jaane wale sawaal
NPS me kul kitni tax chhoot mil sakti hai?
Purane regime me apne yogdaan par 80C ki 1.5 lakh wali seema ke andar, aur uske upar 50,000 alag se. Iske alawa company ka yogdaan tay pratishat tak alag se chhoot me aata hai.
Naye tax regime me NPS ka faayda milta hai?
Sirf company ke yogdaan wala hissa. Apne paise par milne wali chhoot naye regime me nahi hai.
80CCD(1B) ka 50,000 alag se milta hai?
Haan, wo 1.5 lakh wali seema se upar hai. Par ye tabhi kaam ka hai jab aap purane regime me hon.
Company ka yogdaan meri 1.5 lakh wali seema me ginta hai?
Nahi. Wo alag se chhoot me aata hai aur aapki apni seema par koi asar nahi daalta.
NPS ka paisa 60 saal se pehle mil sakta hai?
Sirf gine-chune kaaran par aur seemit rakam tak. Isliye NPS me utna hi daalna chahiye jitna aapko lambe samay tak nahi chahiye.
Is page ke number aur niyam in sarkari/official jagah se liye gaye hain. Dar aur rules badalte rehte hain, isliye kisi bhi bade faisle se pehle seedha yahan ek baar dekh lein: