Tax Exemption Kya Hoti Hai? Kaun-Kaun Se Income Par Tax Nahi Lagta

Introduction

Bahut saare log income tax dete waqt ye sochte hain ki har income par tax lagta hai, jabki aisa nahi hai.

Income Tax Act me kuch aisi incomes aur allowances hote hain jinpar tax exemption milti hai, matlab un par tax nahi dena hota.

Is article me hum simple language me samjhenge:

Tax exemption kya hoti hai

Kaun-kaun si income tax free hoti hai

Log yahan kaunsi common galtiyaan karte hain

Tax Exemption Ka Matlab Kya Hota Hai?

Tax exemption ka simple matlab hai:

# Income ka wo hissa jisko tax calculationme include hi nahi kiya jaata.
Matlab:

Wo income aapki ho sakti hai
Lekin us par income tax nahi lagta
Ye tax deduction se alag hota hai.

(Deduction me pehle income include hoti hai, phir minus hoti hai)

Common Tax Exempt Income (India me)

✅ 1. HRA (House Rent Allowance)
Agar aap:
Salaried employee ho
Rent par ghar me rehte ho
To HRA ka ek part tax free hota hai, agar conditions follow hoti hain.

✅ 2. Agricultural Income
India me:
Agricultural income tax free hoti hai
Lekin:
Ye income ITR me declare karni hoti hai
Sirf tax calculation purpose ke liye use hoti hai

✅ 3. LTA (Leave Travel Allowance)
Company ke through milne wala LTA:
Domestic travel ke liye
Fixed rules ke under
To ye bhi tax exempt ho sakta hai.

✅ 4. Interest on PPF
PPF account par:
Interest
Maturity amount
👉 Dono completely tax free hote hain.

✅ 5. Gifts (Limit ke andar)

Agar aapko:

₹50,000 tak gift milta hai (non-relative se)
To wo tax free hota hai.
(Relatives se milne wale gifts par limit nahi hoti)

Tax Exemption vs Tax Deduction (Simple Difference)

Tax Exemption:

Income tax calculation me aati hi nahi
Tax Deduction:

Income me se baad me minus hoti hai
Ye confusion bahut common hai.

Common Mistakes Jo Log Karte Hain
Exempt income ko ITR me declare hi nahi karte

Exemption aur deduction ko same samajh lete hain

Proofs aur documents maintain nahi karte
Ye galtiyaan future me notice ka reason ban sakti hain.

Conclusion

Tax exemption ka sahi use karke aap legal tareeke se tax burden kam kar sakte ho.
Bas zarurat hai:
Basic rules samajhne ki
Income ko sahi tarah declare karne ki
Agar exemption rules clear hain, to tax filing bhi easy ho jaati hai.

Disclaimer

Ye article sirf general information ke purpose se likha gaya hai. Income tax rules time-to-time change hote rehte hain. Kisi bhi final tax decision se pehle tax professional ya consultant se salah lena better hota hai.

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