By Sheetal Kumari | March 3, 2025
Moneycontrol PF Team| July 28, 2025
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Ask your employer to contribute up to 14% of basic salary to NPS—this chunk is tax-free and builds retirement wealth.
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Opt for full 12% EPF contribution on actual basic salary—not just ₹1,800—to increase tax-free retirement savings.
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Transfer surplus to non-earning parents legally; invest in FDs under their name to reduce your family’s overall tax burden.
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Arbitrage funds mimic FD returns but with equity-like taxation—taxed only on redemption, not annually like FDs.
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Self-employed? Declare only 50% of gross income as taxable under 44ADA—no bills or expense tracking needed.
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Renting out property? Claim home loan interest under Section 24(b) and work-related training expenses for tax relief.
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Book equity gains up to ₹1.25L every year tax-free, reinvest at same price—this reduces future capital gains tax.
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Ensure combined employer contributions to NPS+EPF stay under ₹7.5L/year—excess gets taxed as per your slab.
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Structure salary to include tax-free perks like food coupons, LTA, and phone reimbursements—these still lower your tax outgo!
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