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Bowl Leader
With 9 LPA u don’t have to pay anything if u plan properly. Don’t have your breakup, so putting a general illustration
HRA - 60K (keeping minimum)
80C- ELSS/Insurance -1.5L
80CCD(1B) -50K
80CCD(2) - 10% of basic (say 40K)
80D - 30K
80E( if u have education loan)
LTA
Employer PF deductible
VPF - if opted
If you calculate u can go below 5 taxable income paying 0 tax
Bowl Leader
U have to do investment, how else u can claim, if caught, you’ll have to pay extra fine.
PF comes under 80C, VPF goes into
Employer’s contribution, so u won’t even see on your salary slip
If you plan properly with 80c 80d and nps and also some of the allowance provided by your organization with 9lpa you can reduce your taxable income to 0. Contact @ 7019194829