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Tax

Tax Collected at Source (TCS)

Tax Collected at Source (TCS) What is TCS? Tax Collected at Source (TCS) allows the seller to collect a specific tax amount from the buyer at the time of sale and deposit this tax with the government. The Income Tax Act, 1961, governs the provisions for TCS. Who is Involved in TCS? · Seller (TCS Collector): Any entity responsible for collecting TCS, including the Central Government, State Government, companies, partnership firms, and individuals whose accounts are audited under the Income Tax Act. · Buyer: The individual or entity purchasing the specified goods. However, certain buyers, such as government entities and social clubs, are exempt from paying TCS. What Goods Attract TCS? The applicability of TCS depends on the type of goods purchased and their intended purpose: · Trading Purposes: TCS applies to various goods when purchased for trading, such as liquor, scrap, minerals, bullion/jewellery exceeding specific limits, motor vehicles exceeding Rs. 10 lakh, and certain forestry products. · Manufacturing, Processing, or Production: TCS is not applicable if the above-mentioned goods are used for manufacturing other products. TCS Rates: The TCS rate varies depending on the type of good: · Liquor (alcoholic): 1.00% · Scrap, minerals, and certain forestry products: 1.00% · Bullion/jewellery exceeding limits: 1.00% · Motor vehicles exceeding Rs. 10 lakh: 1.00% · Parking lots, toll plazas, mining, and quarrying: 2.00% · Timber procured through forest lease: 2.50% · Other timber and forest produce (except tendu leaves): 2.50% · Tendu leaves: 5.00% TCS Return Filing: TCS collected needs to be deposited with the government, and returns must be filed electronically (e-TCS) by the seller. Here are the due dates for filing TCS returns (Form 27EQ): · Quarter Ending | Due Date for TCS Return | Date for Generating Form 27D · June 30th | July 15th | July 30th · September 30th | October 15th | October 30th · December 31st | January 15th | January 30th · March 31st | May 15th | May 30th TCS Certificate (Form 27D): The seller must issue a certificate (Form 27D) to the buyer within a week of collecting TCS. This certificate details the tax deducted. Consequences of Non-Compliance: · Interest: If the seller fails to collect or deposit TCS on time, interest at 1% per month is levied. · Penalty: Inaccurate TCS return filing attracts a penalty of Rs. 10,000 to Rs. 1,00,000 under Section 271H. TCS Exemptions: · Goods purchased for personal consumption · Goods bought for manufacturing/processing/production (not for trading) Key Differences Between TCS and TDS (Tax Deducted at Source): Feature TCS TDS Who deducts the tax? Seller Payer (company, etc.) When is the tax deducted? At the time of sale At the time of payment Applies to Sale of specific goods Salary, interest, rent, professional fees, etc. Rate of deduction Varies depending on the good Varies depending on the income type Deducted regardless of amount? Yes No (only applicable above a certain threshold)

16-08-2024

Tax

Income Tax Return Filing Due Dates in India

Income Tax Return Filing Due Dates in India What are Income Tax Returns (ITRs)? Imagine a report detailing your income and tax payments for a specific financial year. That is exactly what Income Tax Returns (ITRs) are. Filing them requires individuals, businesses, and other entities to fulfil tax regulations. Timely filing ensures a smooth process and avoids unnecessary penalties. When is the ITR Filing Due Date for FY 2023-24 (AY 2024-25)? The deadline to file your ITR for the financial year 2023-24 (assessment year 2024-25) without incurring late fees is July 31st, 2024. Missing this deadline attracts interest and penalties under sections 234A and 234F of the Income Tax Act. ITR Filing Due Dates for Different Taxpayers: The due date for filing ITRs can vary depending on the taxpayer category: Salaried Individuals, Hindu Undivided Families (HUFs), Association of Persons (AOPs), and Business with No Audit Requirement: July 31st, 2024 Businesses Requiring Audit: September 30th, 2024 Businesses Requiring Transfer Pricing Reports: November 30th, 2024 Revised and Belated ITR Filings: Revised Return: If you need to correct your originally filed ITR, you can submit a revised return by December 31st, 2024. Belated/Late Return: If you miss the regular deadline, you can still file a late return, but it must be done by December 31st, 2024. However, be prepared for possible penalties. Understanding Financial Year (FY) and Assessment Year (AY): The income earned between April 1, 2023, and March 31, 2024, falls under the financial year (FY) 2023-24. The assessment year (AY) for this income is 2024-25 is when you file your ITR. Consequences of Missing the ITR Filing Due Date: Penalty: A penalty ranging from Rs. 1,000 to Rs. 5,000 may be charged. Loss of Set-off Benefits: You might lose the ability to carry forward certain losses for future tax adjustments. New Tax Regime Restriction: Filing a belated ITR might restrict you from opting for the new tax regime. Interest on Late Payment: Interest will be levied on any unpaid tax amount under Section 234A at 1% per month or part month. Important Points: Timely ITR filing is important for tax compliance and avoids penalties. The due date for ITR filing can vary depending on your taxpayer category. Revised and belated ITR options are available but come with potential consequences. Understand the distinction between the financial and assessment years for accurate filing.

16-08-2024

Tax

HSN Codes - GST

HSN Codes - GST The world of international trade depends on a regular system for classifying goods: the Harmonized System of Nomenclature (HSN). Developed by the World Customs Organization (WCO), HSN codes ensure a uniform way to categorize over 5,000 products across more than 200 countries. This system is important in India's Goods and Services Tax (GST) regime. What is HSN Codes? An HSN code is a six-digit numerical identifier assigned to a specific product. This code denotes the product's category based on a structured hierarchy: Chapters: Broad categories (e.g., Chapter 2 - Meat and edible offal) Headings: More specific groupings within chapters (e.g., Heading 02.01 - Meat of bovine animals, bone-in) Subheadings: Further refine product classification (e.g., Subheading 0201.10 - Carcasses and half-carcasses of bovine animals, bone-in) HSN codes are essential for various reasons: Uniform Classification: Ensures consistency in product categorization across borders. Customs Tariffs: Forms the basis for determining import and export duties. International Trade Statistics: Enables tracking of global trade flows for specific products. HSN Codes and GST in India India adopted the HSN system for its Central Excise and Customs regime long before GST implementation. However, GST introduced a slight modification: HSN Code Length: For GST purposes, Indian businesses might need to use an extended HSN code with additional digits depending on their annual turnover: o No HSN code is required for businesses with a turnover below ₹1.5 crore. o 2-digit HSN code for businesses with a turnover between ₹1.5 crore and ₹5 crore. o 4-digit HSN code mandatory for businesses with a turnover exceeding ₹5 crore. o 8-digit HSN code for importers and exporters (includes additional digits for customs purposes). Benefits of HSN Codes in GST: Standardization: Promotes uniformity in product classification across India, simplifying tax administration. GST Rate Determination: HSN codes help identify the applicable GST rate for a particular product. Automated GST Returns: HSN codes enable an automatic population of product details in GST return forms, saving time and effort. HSN Code vs. SAC Code While HSN codes classify goods, the Service Accounting Code (SAC) system classifies services under GST. Like HSN codes, SAC codes determine the applicable GST rate for a specific service. SAC codes typically have a four-digit structure. HSN codes are a fundamental building block of the GST regime. Understanding how HSN codes classify products and their role in determining GST rates is crucial for businesses of all sizes. By leveraging HSN codes accurately, businesses can ensure efficient GST compliance and avoid potential complications.

16-08-2024

Tax

Form 26AS: Annual Tax Credit Statement

Form 26AS: Annual Tax Credit Statement What is Form 26AS? Imagine a document that consolidates all your tax information for a specific year. That's precisely what Form 26AS is! It's an annual statement issued by the Income Tax Department that summarizes your tax credits, making it a crucial tool for filing accurate Income Tax Returns (ITRs). Accessing Your Form 26AS: There are two primary ways to access your Form 26AS: TRACES Website: Login to the Income Tax Department's official e-filing portal using your PAN (Permanent Account Number) and password. Navigate to "My Account" and select "View Form 26AS (Tax Credit)" to download the document. Net Banking (limited availability): Some banks offer the functionality to download your Form 26AS directly through their internet banking platform. Understanding the Contents: Form 26AS is divided into seven sections (Part A to Part G), each with specific details: Tax Deducted at Source (TDS): (Part A) This section provides a breakdown of taxes deducted from your income by various entities, such as employers, banks, and mutual fund houses. It includes the deductor's name, TAN (Tax Deduction and Collection Account Number), the amount deducted, and the deposit date. Part A1: TDS details related to Form 15G/H (declarations for no TDS on interest income). Part A2: TDS details on the sale of immovable property (land or real estate). Tax Collected at Source (TCS): (Part B) This section reflects taxes collected by sellers or dealers on your behalf and deposited with the government. For instance, TCS applies when you buy a car exceeding ₹10 lakh. Taxes Paid Other Than TDS/TCS: (Part C) This part details any advance or self-assessment taxes you've paid during the year. It includes information like the tax amount, date of deposit, challan serial number, and tax heads. Tax Refund Details: (Part D) This section shows any tax refunds you've received, including the assessment year, payment date, mode of payment, interest paid, and refund amount. High-Value Transactions: (Part E) Based on your Annual Information Report (AIR) filed by financial institutions, this section details high-value transactions you made during the year, such as mutual fund purchases, bond investments, or cash deposits. TDS on Sale of Immovable Property: (Part F) This part is relevant for property buyers and reflects TDS deducted on the sale of immovable property. Tax Defaults: (Part G) This section highlights any tax-related defaults, such as short payments, short deductions, or interest on late payments. Importance of Form 26AS for ITR Filing: By carefully checking your Form 26AS, you can ensure all tax information in your ITR is accurate. This will help avoid discrepancies and delays in processing your tax return.

16-08-2024

Tax

Tax Return Notice: A Guide

Tax Return Notice: A Guide Have you ever filed your income tax return and then received a cryptic message from the Income Tax Department (ITD)? Do not worry—you are not alone! This guide explains what an intimation under Section 143(1) of the Income Tax Act means and how to respond to it. What Happens After You E-File Your Return? Once you submit your income tax return electronically (e-filing), the ITD takes over. They process your return at the Centralized Processing Centre (CPC) to check for: Errors: This includes typos, miscalculations, or missing information. Differences: This refers to any differences between your reported income and the ITD records like your employer deducted TDS (Tax Deducted at Source). What is an Intimation Under Section 143(1)? If the ITD finds any errors or discrepancies during processing, it will send you an intimation under Section 143(1). This intimation will tell you the outcome of its initial review. What Does the Intimation Tell You? There are two main possibilities: Refund Due: If you paid more tax than you owe, the intimation will specify the amount you'll receive as a refund. Tax Due: If you owe more tax, the intimation will tell you the additional amount you must pay. Common Reasons for Intimations Mismatched Information: This could be anything from a typo in your income figures to a difference between your reported income and the TDS amount the ITD has on record. Missing Documents: The ITD might need additional documents to verify your income or deductions. Random Scrutiny: Sometimes, the ITD randomly selects returns for a more detailed examination. Responding to an Intimation You must pay within the specified timeframe if you receive a notice stating a tax is due. You can usually respond electronically through the ITD's e-filing website for intimations about refunds or mismatches. Here is a general process (it might be slightly diffrent depending on the issue): 1. Log in to your e-filing account. 2. Go to the "E-Proceedings" section and select "E-assessment." 3. Choose "Adjustment u/s 143(1)(a)." 4. Review the details of the intimation. 5. Respond to each mismatch by selecting the appropriate option from a drop-down menu. 6. If you have additional information to explain a discrepancy, provide it in the designated space. 7. Upload any supporting documents. 8. Submit your response. Always Remember: It's important to respond to an intimation promptly. If you disagree with the intimation, you can seek professional help from a tax consultant. Other Types of Income Tax Notices While intimation under Section 143(1) deals with initial processing, there are other notices you might receive from the ITD: Notice under Section 142(1): This requests additional documents to verify your return. Notice under Section 143(2): This indicates a more thorough examination of your return. Notice under Section 148: This informs you of a reassessment if additional income is found. Notice under Section 156: This is a demand notice for unpaid taxes, interest, or penalties. Notice under Section 139(9): This informs you of errors in your return that need correction. Notice under Section 245: This informs you of changes made to your outstanding tax liability by the department.

16-08-2024

Tax

Income Tax Payments in India: A Guide to Online Options

Income Tax Payments in India: A Guide to Online Options Understanding income tax and navigating its payment process can seem daunting. But worry not! The Indian Income Tax Department offers a convenient online payment system for hassle-free tax settlements. This guide simplifies the process for individuals, especially salaried taxpayers, who can leverage net banking for online payments. Who Needs to Pay Income Tax? Income tax applies to various entities in India, including: Individuals: Those with an annual income exceeding Rs. 2.5 lakhs (FY 2022-23) must pay income tax. Different tax slabs determine the applicable tax rate. Firms, Companies, and Other Entities: Businesses and organizations also fall under income tax regulations. Understanding Income Tax Slabs (Individuals below 60 years, FY 2022-23, AY 2023-24): Income Slab Tax Rate Up to Rs. 2,50,000 Nil Rs. 2,50,001 - Rs. 5,00,000 5% Rs. 5,00,001 - Rs. 7,50,000 Rs. 12,500 + 10% of income exceeding Rs. 5,00,000 Rs. 7,50,001 - Rs. 10,00,000 Rs. 37,500 + 15% of income exceeding Rs. 7,50,000 Rs. 10,00,001 - Rs. 12,50,000 Rs. 75,000 + 20% of income exceeding Rs. 10,00,000 Rs. 12,50,001 - Rs. 15,00,000 Rs. 1,25,000 + 25% of income exceeding Rs. 12,50,000 Above Rs. 15,00,000 Rs. 1,87,500 + 30% of income exceeding Rs. 15,00,000 Making Your Income Tax Payment Online: 1. Visit the Tax Information Network: Access the official Income Tax Department website (https://www.incometax.gov.in/iec/foportal/). 2. Choose the Right Challan: Locate the "CHALLAN NO./ITNS 280" option and proceed with online payment. This challan is specially for online tax payments. 3. Enter Personal Details: o Taxpayer Type: Select "(0021) Income Tax (Other than Companies)" o Payment Type: Choose the appropriate option based on your situation. Common options include: (100) Advance Tax (300) Self-Assessment Tax (for outstanding tax dues) o PAN and Assessment Year: Enter your Permanent Account Number (PAN) and the relevant Assessment Year (AY). For FY 2022-23, the AY is 2023-24. o Address and Captcha: Fill in your complete address and enter the captcha code displayed. Click "Proceed" to continue. 4. Review and Submit: Carefully check all the information you've entered. Once confirmed, submit the request to be directed to your bank's secure payment gateway. 5. Payment Confirmation: Upon successful payment, you'll receive a tax receipt (Challan 280) with transaction details. Take a screenshot or save a copy for your records. The challan number and BSR code will be required when filing your income tax return. Filing Income Tax Return After Payment: Once your online tax payment is complete, you must declare it in your income tax return. To start the process, visit the "file income tax return" section on the official Income Tax Department website. Advance Tax Payments: This applies to individuals with estimated tax liabilities exceeding Rs. 10,000. Salaried individuals usually do not require advance tax payments as their employers deduct tax at source (TDS). However, those with higher incomes or income from various sources (capital gains, interest, etc.) may need to utilize the online advance tax payment facility. Always Remember: Failing to pay advance tax attracts penalty interest. You may need to pay "self-assessment tax" online while filing your return if there's any outstanding tax due. Include interest payments on any tax dues.

14-08-2024

Tax

TDS Refunds

TDS Refunds What is a TDS Refund? TDS stands for Tax Deducted at Source. It is a system where a portion of your income tax is deducted upfront by the person or entity paying you (like your employer or bank). However, sometimes, you might pay more tax through TDS than you owe for the year. In this case, you can claim a refund for the excess amount. How Do I Know If I am Due to get a TDS Refund? Tax Brackets: If your income falls under a lower tax bracket than the one considered while deducting TDS, you might be eligible for a refund. Deductions and Exemptions: If you have claimed deductions or exemptions under sections like 80C (investments) or house rent allowance (HRA), it can reduce your overall tax liability and potentially lead to a refund. How to Check Your TDS Refund Status: 1. Visit the Income Tax Department's website: https://www.incometax.gov.in/iec/foportal/ 2. Log in to the e-filing portal: Enter your PAN details and password. 3. Go to the TDS section: Locate the option for checking your TDS refund status. 4. Enter the required details: This might include your PAN, assessment year, and other relevant information. 5. View your status: The website will display your TDS refund status message. Common Status Messages and Meanings: "No e-filing has been done this year." - You have not filed or verified your Income Tax Return (ITR) yet. File and verify your ITR to proceed. "Refund determined and sent out to refund banker." - Your ITR is being processed, and the refund request has been forwarded for processing. "Refund unpaid." - You might have provided an incorrect bank account number. Double-check and update your bank details if necessary. "Refund paid." - The refund has been credited to your linked bank account. "Not determined." - Your application is still under review. "Sent for Refund" - Your application is being processed for a refund. What if the Status Shows a Delay? There can be many reasons for a delay in receiving your TDS refund: ITR Processing: Your ITR might still be undergoing processing. Income Tax Notices: The Income Tax Department may have issued a notice for verification or clarification on your ITR. No Refund Due: After processing your ITR, the department might determine you do not have any refund coming. Outstanding Tax: The department might have adjusted your tax liability, resulting in an outstanding tax you must pay. Incorrect Bank Details: Providing wrong bank information can delay the refund even after processing. How to Resolve Delays or Rejections: Check for Notices: Review any notices from the Income Tax Department for further action. Verify Bank Details: Ensure your bank account details are correct in your ITR. Raise a Complaint: If there is an unreasonable delay or rejection, you can file a complaint with the Income Tax Ombudsman. Documents needed may include your PAN, Form 16, TDS certificate, bank statement, and investment/income proofs. How to Re-issue a TDS Refund: Verify Details: Confirm your ITR details before re-issuing and check your TDS refund status. Online Portal: Visit the Income Tax Department and log in to your e-filing account. Request Re-issue: Click on "My Account" -> "Service Request" -> "New Request" -> "Request Category" -> "Refund Reissue". Enter your bank account details and authenticate the request using Aadhaar OTP and EVC code.

14-08-2024

Tax

Section 80CCD 1B: Retirement Savings and Reduced Tax Burden

Section 80CCD 1B: Retirement Savings and Reduced Tax Burden Introduced in 2016, Section 80CCD 1B of the Income Tax Act empowers individuals to improve their retirement savings while getting tax benefits. Let's delve into the intricacies of this Section and understand how you can leverage it to secure your golden years. Who Can Benefit? Section 80CCD 1B extends its advantages to a broader range of individuals, including: Salaried Employees Self-Employed Individuals Non-Resident Indians (NRIs) Understanding the Deduction Limits There are two key sections to consider for tax deductions on pension contributions: Section 80CCD(1): This section, when joined with Section 80C, offers a combined deduction limit of Rs. 1.5 lakh per year. Contributions towards NPS or Atal Pension Yojana (APY) under this Section fall within this overall limit. Section 80CCD(1B): This Section acts as a booster, providing an additional deduction of Rs. 50,000 specifically for contributions made to NPS. This benefit is separate from the Rs. 1.5 lakh limit mentioned above. Maximizing Your Tax Savings By strategically utilizing both sections, you can enjoy a total tax benefit of up to Rs. 2 lakh on your pension contributions: Rs. 1.5 lakh: Deduction under Section 80CCD (1) + Section 80C Rs. 50,000: Additional deduction under Section 80CCD (1B) Important Points to Remember If you fully utilize the Rs. 1.5 lakh deduction limit under Section 80CCD(1) for NPS, you won't be eligible for other tax benefits offered under Section 80C, such as investments in ELSS mutual funds or PPF. The Rs. 50,000 deduction under Section 80CCD (1B) is an exclusive benefit for NPS contributions. National Pension Scheme (NPS): The pension scheme championed by Section 80CCD 1B is the National Pension Scheme (NPS). It's a government-backed program designed to help individuals accumulate a retirement corpus. How NPS Works Account Opening and Contributions: Upon opening an NPS account, you'll need to adhere to specific contribution guidelines to maintain an active account: o Minimum yearly contribution: Rs. 1,000 o Minimum contribution per transaction: Rs. 500 o At least one contribution every year Investment Strategy: NPS invests your contributions in equities (stocks), government bonds, and corporate bonds throughout the tenure. Investment Choice: You have the option to select either an active or auto choice for asset allocation: o Active Choice: Allows you to manage the allocation between equities and debt instruments until you reach 50 years old. The maximum equity allocation gradually reduces as you age. o Auto Choice: Follows a pre-defined asset allocation strategy based on your age group, with higher equity exposure in younger years and a gradual shift towards debt as you near retirement. NPS Account Types Tier 1 Account: This is the primary account you open for retirement benefits and tax deductions under Sections 80CCD 1B and 80CCD (1). It has restrictions on withdrawals until you reach 60 years of age. Tier 2 Account: This is a voluntary savings account with no withdrawal restrictions. However, you can only open a Tier 2 account after having a Tier 1 account. Withdrawal and Annuity Rules Maturity (Age 60): Upon reaching 60, you can withdraw 60% of the accumulated corpus as a tax-free lump sum. The remaining 40% is compulsorily invested in an annuity plan, which provides you with regular pension income. This annuity income is taxable in the year of receipt. Premature Withdrawal: Limited premature withdrawals are allowed for specific reasons, like medical emergencies or children's marriage. In such cases, only 20% of the corpus can be withdrawn as taxable income, and the remaining 80% must be used to purchase an annuity plan. Both the withdrawal and subsequent annuity income are taxable. Lock-in Period NPS has a more extended lock-in period than some other retirement plans. You can only access your funds once you turn 60 years old. Other 80CCD Deductions The Income Tax Act offers additional deductions under Section Salaried people, like NPS, may benefit from employer contributions to their pension plans. Section 80CCD (2) The Income Tax Act allows an employed individual to claim income tax deductions for employer contributions. Under Section 80CCD (2), private-sector employees can receive upto 10% of their compensation (base salary + dearness allowance). Employees of the government are eligible for up to 14%. Section 80CCD 1B offers great retirement savings opportunities while reducing your tax burden. The National Pension Scheme (NPS) can claim an additional deduction of Rs. 50,000 on top of the existing limits under Section 80C.

13-08-2024

Tax

Tax Savings for a Secure Retirement: Your Guide to Section 80CCD

Tax Savings for a Secure Retirement: Your Guide to Section 80CCD Planning for retirement is crucial, and Section 80CCD of the Income Tax Act, 1961, offers a helping hand. This section encourages you to contribute to pension schemes like the National Pension Scheme (NPS) and the Atal Pension Yojana (APY). This helps you save for retirement and also reduces your current tax burden. Let's explore key considerations to maximize your tax savings with Section 80CCD. Optimizing Your Deductions The tax deduction limit under Section 80CCD(1) isn't standalone. It works in conjunction with Sections 80C and 80CCC. You can deduct up to Rs. 1.5 lakh in a financial year for the combined sections. For example, if you invest Rs. 1 lakh under Section 80C and another Rs. 1 lakh for an 80CCD(1) deduction, your total tax benefit is capped at Rs. 1.5 lakh, not Rs. 2 lakh. Strategic allocation of your contributions across these sections is vital to maximize your tax savings. Understanding Contribution Types Section 80CCD(1) focuses on tax deductions for your own contributions to NPS or APY accounts. This applies to both salaried individuals and self-employed persons. On the other hand, Section 80CCD(2) deals with employer contributions towards their employees' pension plans. If your employer contributes money to your NPS account, they can receive a tax benefit. The benefit can be up to 20% of their total income from the previous year. Eligibility and Minimum Contributions Who can claim deductions under Section 80CCD(1) for contributions to NPS or APY? Salaried and self-employed individuals are eligible. While NPS participation is mandatory for Central Government employees, it's voluntary for others. To get tax deductions with NPS Tier 1 Account, you must contribute at least Rs. 6,000 per year. 500 per month). With more withdrawal flexibility, the NPS Tier 2 Account requires a minimum annual contribution of Rs. 2,000 (Rs. 250 per month) for tax benefits. Tax Implications of Withdrawals Remember, any money you get from the NPS monthly or withdraw from surrendered accounts will be taxed based on tax laws. The money you receive from the NPS or withdraw from surrendered accounts will be subject to taxation. Tax laws apply to any funds you receive from the NPS monthly or withdraw from surrendered accounts. However, reinvesting any NPS amount into an annuity plan is tax-free. Claiming Your Deductions You can include deductions claimed under Section 80CCD when filing your income tax at the end of the financial year. Maintain proper records of your contributions and relevant documents to ensure a smooth claim process. To maximize tax benefits for retirement savings, learn about Section 80CCD. Remember the deduction limit with Sections 80C and 80CCC, and understand the difference between employer and employee contributions. Section 80CCD can help you save on taxes and secure your financial future by planning carefully and keeping good records.

13-08-2024