Agar aap ek pensioner hai, matlab aapko pension milti hai, toh aapko apni income tax return (ITR) mein pension income ko bhi shaamil karna hoga. Pension income, jaise ki India mein anya income, Bharat Sarkar ke dwara fix kiye gaye Income Tax slabs ke anusaar taxable hoti hai.
Tax treatment of different types of pension income
Government pension: Kendriya ya Rajya Sarkar se prapt pension, ITR mein “Salary” ke tahat poora taxable hota hai.
Family pension: Kisi vyakti ki maut ke baad unke kanuni varis ko milti hui pension, “Income from other sources” ke tahat taxable hoti hai. Iski tax liability praptakarta ke income tax slab rate ke anusaar hoti hai.
Private sector pension: Private companies se prapt pension bhi taxable hota hai aur ise ITR mein “Income from salary” ke tahat shaamil karna hoga. Niyamak TDS pension income se kat lega aur praptakarta ko TDS ko milakar ITR file karni hogi.
Income Tax For Pensioners – Kuch aur baatein yaad rakhne layak hai:-
- Uncommuted pensions salary ke taur par poora taxable hote hain.
- Sarkari karmachariyon ki commuted pension ko poora exempt kar diya jata hai aur
- Non-government employees ki commuted pension ko gratuity prapt karne ke baad poora exempt kar diya jata hai, aur aadha exempt kar diya jata hai, agar gratuity nahi mili hai:
a. Agar pension ke saath gratuity bhi mili hai – Commuted pension ke 1/3rd bhag ko exempt kar diya jata hai aur baaki ko salary ke roop mein tax lagta hai.
b. Aur agar sirf pension mili hai aur gratuity nahi mili hai – Commuted pension ke 1/2 bhag ko exempt kar diya jata hai.
Income Tax For Pensioners – Apni pension income par tax liability ko kaise kam kar sakte hain?
Ek aam aadmi ki tarah, pensioners bhi apni tax burden ko kam karne ke liye nimnlikhit tarike se apni pension income ko kam kar sakte hain:
Section 80C ke tahat chhutkara
Section 80C ke antargat aap har saal ₹1,50,000 ki chhutkara pa sakte hain, agar aap is rashi ko Equity-linked savings schemes (ELSS), Public Provident Funds, Government Bonds, National Savings Certificate ya kisi qualified fixed deposits mein invest karte hain.
Section 80 DDB ke tahat chhutkara
Is se aapko up to ₹1,00,000 ka chhutkara mil sakta hai, agar koi dependent kisi vishesh bimari (cancer, AIDS, neurological disability, etc.) se pidit hai. Is chhutkare ke antargat, aapke dependent aapke bachche, pati/patni, bhai-behen ya ma-baap ho sakte hain.
Section 80 TTB ke tahat chhutkara
60 saal se adhik umra ke senior aur super senior citizens, bank, post office ya cooperative society mein rakhe gaye deposits par up to ₹50,000 tak ke tax deduction ke liye claim kar sakte
How to File Income Tax Returns for Pensioners?
Aapko Sabsay Phalay FORM 16 download karna hai apka bank ka website sa ya phir aap branch sa bhi layskatay ho.
Form 16 ke anusar sahi se bhar diya jaye toh pensioner ko income tax department ki official website par jana hoga aur e-filing ki prakriya shuru karni hogi. E-filing hone ke baad, unhe ITR V prapt hoga ya phir download karna hoga, jise unhe 120 dino ke bhitar CPC ko bhejna hoga.
Agar pensioners ko online prakriya ko follow karne mein koi pareshani ho rahi hai, toh wo apni tax file offline bhi kar sakte hai. Iske liye, wo apne bank branch par jakar challan 280 maang sakte hai. Uske baad, unhe prapt form ko bhar dena hoga. Is form ka format online wale se bilkul samaan hota hai.
How to File ITR with help of Loan4fauji.com?
Aap Logo Ko Bus Visit Karna hai Loan4fauji.com ka ITR section aur apko ek contact form barna hai phir apko sara details share karna hai aur apka ITR filing hojayaga 3 to 4 days may aur vo bhi bhut sastay may.
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