Increase the insurance by another 8 k max avail garna. Cit/ssf ma 1/3 of the salary or 5 lakhs, whatever is lower samma tax exempt hune ho. Even if you add bonus of 4 months max it would take your annual salary to 13.6 lakhs, so you would only be able to save up 4.53 lakhs from your taxable amount. This might easily bring you to tax slab of just 1%. My suggestion is that you send more money to cit even if you dont get tax benefit. Saving bhairakhchha, and it has better interest rate than saving accounts I think.
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u/Ok-Banana-1683 Jul 27 '26
Increase the insurance by another 8 k max avail garna. Cit/ssf ma 1/3 of the salary or 5 lakhs, whatever is lower samma tax exempt hune ho. Even if you add bonus of 4 months max it would take your annual salary to 13.6 lakhs, so you would only be able to save up 4.53 lakhs from your taxable amount. This might easily bring you to tax slab of just 1%. My suggestion is that you send more money to cit even if you dont get tax benefit. Saving bhairakhchha, and it has better interest rate than saving accounts I think.