How can I save tax with 36 lpa fixed and 4 lpa variable

Please guide.

I already own a house, car

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At some point you cannot do anything but pay tax as the only option you have are:-
80 C
NPS self contribution as well as employer if available
HRA
Homeloan interest
Mediclaim 80 D
LTA , fuel , food coupon as applicable in your org
Donation in 80G if your company considers it during declaration else claim it in refund while filling ITR

like

Ask your company for stock option instead of fixed pay

Donate to other fishes here.
Take 80G tax benefit.

funny

Utilise NPS, Employer deduction 10%of basis + additional 50k as self contribution.

Offtopic.
Can i know your tech stack and yoe??

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4 AM Thought:

For people falling in the 30% tax bracket who are asking their in-hand salary per month, if you are just utilizing the 1.5 Lakh limit of Section 80C as well as the 50K limit of NPS and without any home loan:

Just divide your fixed yearly salary by 15.4 to get your monthly in-hand salary.

Worked for me. Do let me know your thoughts.

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