{"id":23347,"date":"2023-06-27T14:32:26","date_gmt":"2023-06-27T09:02:26","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=23347"},"modified":"2023-07-28T12:24:57","modified_gmt":"2023-07-28T06:54:57","slug":"smart-ways-to-save-tax-under-80-c","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/smart-ways-to-save-tax-under-80-c\/","title":{"rendered":"Smart ways to save tax under 80 C"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d5f1d5dd5d2\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d5f1d5dd5d2\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/smart-ways-to-save-tax-under-80-c\/#1_National_Pension_System\" title=\"1) National Pension System\">1) National Pension System<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/smart-ways-to-save-tax-under-80-c\/#2_Disabled_dependent\" title=\"2) Disabled dependent\">2) Disabled dependent<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/smart-ways-to-save-tax-under-80-c\/#3_Education_loan\" title=\"3) Education loan\">3) Education loan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/smart-ways-to-save-tax-under-80-c\/#4_Electric_vehicles\" title=\"4) Electric vehicles\">4) Electric vehicles<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/smart-ways-to-save-tax-under-80-c\/#5_Donations\" title=\"5) Donations\">5) Donations<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/smart-ways-to-save-tax-under-80-c\/#6_Tax_harvesting\" title=\"6) Tax harvesting\">6) Tax harvesting<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/smart-ways-to-save-tax-under-80-c\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">Deductions under 80C are one of the most popular among taxpayers. 80C allows you to reduce your taxable income by making tax-saving investments or paying toward some eligible expenses. Maximum deduction under section 80C is capped at 1.50 Lakh in a financial year.<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<p>&nbsp;<\/p>\n<\/div>\n<\/div>\n<\/div>\n<p>Previously we have talked about the various <a href=\"https:\/\/kuvera.in\/blog\/how-to-save-tax-under-it-section-80-c\/\">common deductions available under this section<\/a>. Today, we will discuss some of the lesser-known tax-saving options available under 80C.<\/p>\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<h4><\/h4>\n<\/div>\n<\/div>\n<\/div>\n<h4><span class=\"ez-toc-section\" id=\"1_National_Pension_System\"><\/span><strong>1) National Pension System<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>NPS is a part of 80-C, but you avail of additional deductions up to Rs 50,000 beyond the 1.5 lakh limit of section 80-C. Salaried or self-employed, both can open an NPS account.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"2_Disabled_dependent\"><\/span><strong>2) Disabled dependent<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Another deduction is available for people with disabilities, and dependent family members. Under section 80DD, you can avail deduction for expenses incurred in caring for them. You can claim up to Rs 1,25,000 if the disability is more than 80% and Rs 75,000 if the disability is between 40-80%.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\"><img loading=\"lazy\" class=\"alignnone wp-image-25320\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/07\/FD-Banner-9.10-01-300x75.jpg\" alt=\"\" width=\"400\" height=\"100\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/07\/FD-Banner-9.10-01-300x75.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/07\/FD-Banner-9.10-01-150x38.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/07\/FD-Banner-9.10-01.jpg 600w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"3_Education_loan\"><\/span><strong>3) Education loan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>There is also a deduction available for education loans, this can be for yourself, your spouse, or your children. You can get a deduction on the yearly interest of the loan. There is no deduction available for the principal part of the loan, only the interest can avail of the deductions.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"4_Electric_vehicles\"><\/span><strong>4) Electric vehicles<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>These days electric vehicles are in vogue. Buying an electric vehicle \u2013 be it a four-wheeler or a two-wheeler \u2013 with a vehicle, loan can make you eligible for income tax benefits under section 80EEB. This deduction can be availed against the interest payment which can be up to Rs 1.5 lakh in a year.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"5_Donations\"><\/span><strong>5) Donations<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>To promote charitable donations, the govt has incentivized them. Section 80G of the Income Tax Act allows you to claim tax deductions for contributions made to certain relief funds and charitable institutions.<\/p>\n<p>&nbsp;<\/p>\n<p>And if this donation is towards rural development or scientific research then you can claim tax deductions for it under Section 80 GGA.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"6_Tax_harvesting\"><\/span><strong>6) Tax harvesting<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>This deduction is only applicable to equity investments such as stocks and mutual funds, this is called tax harvesting. You might know that up to Rs 1 lakh long-term capital gains are tax-free in a financial year.<\/p>\n<p>&nbsp;<\/p>\n<p>Tax harvesting is a strategy used to reduce tax liability by selling securities that have declined in value and replacing them with similar investments. This generates a capital loss that can offset capital gains from other investments, lowering the overall tax bill. The idea is to harvest tax losses in order to reduce the tax bill in the current year or carry forward the losses to future years to offset future gains.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Under Section 80C, there are various smart ways to save on your tax liability. From investing in tax-saving instruments like ELSS funds and PPF to claiming deductions for expenses like tuition fees and home loan principal repayment, there are several options to choose from. By making use of these tax-saving opportunities, you can not only reduce your tax burden but also grow your wealth over time.<\/p>\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<p>&nbsp;<\/p>\n<\/div>\n<\/div>\n<p><em>Interested in how we think about the markets?<\/em><\/p>\n<p><strong>Read more: <a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\">Zen And The Art Of Investing<\/a><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong>Watch here:<\/strong> All about multi cap funds with Rahul Singh, CIO &#8211; equities, <a href=\"https:\/\/kuvera.in\/amc\/tata\">Tata Asset Management<\/a><\/p>\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/eAR85KAcF0U\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><\/iframe><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div><\/div>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/www.youtube.com\/watch?v=R7g03UwJAT8&amp;utm_source=Blog&amp;utm_medium=Weekly+wrap+22nd+July\" target=\"_blank\" rel=\"noopener\">kuvera.in<\/a> to discover Direct Plans and <a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a> and start investing today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Deductions under 80C are one of the most popular among taxpayers. 80C allows you to reduce your taxable income by making tax-saving investments or paying toward some eligible expenses. Maximum deduction under section 80C is capped at 1.50 Lakh in a financial year. &nbsp; Previously we have talked about the various common deductions available under [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/smart-ways-to-save-tax-under-80-c\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":23349,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[236,590],"tags":[1798,1351,2231,2256,1926,2158],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Most common investment mistakes for beginners<\/title>\n<meta name=\"description\" content=\"Don&#039;t make these common investment mistakes that most early investors make. 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