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Invest into 80c components such as Elss, life insurance etc, also buy a health insurance,
Take a home loan u can savetax on interest on that as well
Even though you are working from home u can show rent agreement with your parents so calculate the optimal rent rebate u can get
@ Tata Consultancy 1 What's your CTC? If its around 6.5-7 then you don't have to worry about claiming HRA as your tax will already be 0.
How much hra can be shown to parents? Any safe amount? Can I show 35/40,k per month as HRA.. i know that my parents have to show it as income but what's the same amount.. any lakshman rekha line
AFAIK there is as such no limit. To utilise maximum, pay the rent equivalent to total HRA amount received for a year.
You can opt for medical/health insurance for you and your parents which will give exemption under section 80D.
You can undergo preventive health check up like blood test or any other diagnostic tests that will give exemption upto 5000 under 80D.
Buying home is best idea to save tax and it will life long asset for you.