Tax Benefits of LIC Policies: Income Tax Mein Kaise Bachate Hain? – LIC Future

Tax Benefits of LIC Policies: Income Tax Mein Kaise Bachate Hain? – LIC Future

Introduction

Aaj ke zamaane mein, financial planning mein tax savings kaafi maayne rakhti hai. LIC Policies na sirf aapko financial security provide karti hain, balki aapke income tax ko bhi kam karne mein madadgar hoti hain. LIC Future par, hum aapko batayenge kaise aap LIC policies ke through income tax mein bachat kar sakte hain aur apne bhavishya ko surakshit bana sakte hain.

LIC Policies ke Tax Benefits

1. Section 80C ke Benefits:
   • LIC policy ke premiums pe aapko Section 80C ke under tax deduction milta hai.
   • Is section ke under aap maximum Rs. 1.5 lakh tak ki deduction claim kar sakte hain.
   • Ye benefits aapki annual taxable income ko reduce karte hain, jis se aapka tax liability kam hota hai.
2. Section 10(10D) ke Benefits:
   • Maturity amount aur death benefit, dono hi tax-free hote hain under Section 10(10D).
   • Iska matlab hai ki policyholder ya nominee ko jo bhi maturity ya death benefit milega, uspe koi tax nahi lagega (kuch specific conditions ke sath).
3. Health Riders ke Benefits:
   • Agar aapne apni LIC policy ke sath koi health rider add kiya hai, to uske premiums pe bhi aapko Section 80D ke under deduction mil sakta hai.
   • Section 80D ke under, aap maximum Rs. 25,000 (senior citizens ke liye Rs. 50,000) tak ki deduction claim kar sakte hain.

LIC Policies Jo Tax Benefits Provide Karti Hain

1. LIC Jeevan Anand:
   • Is plan ke premiums pe aapko Section 80C ke under tax benefits milte hain.
   • Maturity aur death benefits bhi tax-free hote hain under Section 10(10D).
2. LIC Jeevan Labh:
   • Is policy ke premiums pe bhi Section 80C ke under tax benefits available hain.
   • Maturity aur death benefits tax-free hote hain under Section 10(10D).
3. LIC New Endowment Plan:
   • Is policy ke premiums pe Section 80C ke under tax benefits milte hain.
   • Maturity aur death benefits bhi tax-free hote hain under Section 10(10D).

Kaise Claim Karen Tax Benefits?

1. Proof of Payment:
   • Premiums payment ke receipts ko sambhal ke rakhein, kyunki ye tax filing ke samay proof ke taur pe kaam aayengi.
2. Correct Section Claim Karein:
   • Apne tax filing ke dauran, premiums paid amount ko sahi section (80C ya 80D) ke under claim karein.
3. Consult a Tax Advisor:
   • Agar aapko confusion hai, to ek professional tax advisor ki madad lein jo aapko sahi tarike se tax benefits claim karne mein guide karega.

Conclusion

LIC Policies aapko financial security provide karte hain aur income tax mein bachat karne mein bhi madadgar hoti hain. LIC Future par, hum aapko best LIC plans offer karte hain jo aapke bhavishya ko surakshit aur tax-efficient banate hain. Aaj hi apni LIC policy choose karein aur tax savings ka fayda uthayein.

LIC Future – Aapke Bhavishya ki Suraksha aur Tax Savings.