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If you have cash that you want to invest. Please consider Treasury Series I Savings Bond (Electronic). Interest is 7.12% right now. While it's not guaranteed that the 7.12% will remain until next year, it's still a good deal.
My SO and I just invested 20k (10k max per person even married).
https://www.treasurydirect.gov/indiv/products/prod_ibonds_glance.htm
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I think you can have 0 tax.
Also go for donations..😛
Bowl Leader
Zero looks difficult, 13.5 includes Employer’s PF & Gratuity or take home components?
U can also use employer’s contribution to ur nps in addition to 50k, 25K for health insurance.
What would be in hand salary with 80 C , NPS and home loan interest ?
DM me I can help you