Key to Tax Planning

And wealth management

Financial Year 2015-2016

Rates of Income tax a snapshot
Income Slab
Upto 2,50,000
2,50,001 to 5,00,000
5,00,001 to 10,00,000
10,00,001 & above

IND < 60
NIL
10%
20%
30%

Education Cess and Secondary & Higher Education Cess

= 3% on Tax

Deductions under Chapter VI A (Section)

80 C
80 CCC
80 CCD (Employees / Self Employed
Contribution)
80 CCD (Employers Contribution)

Max. limit in this section is rs 1.5

lakh

80 CCG

Rajiv Gandhi Equity Saving Scheme

(RGESS) save upto 50k

80 D

Deduction in respect of Medical

Insurance upto 15 k
Deduction in respect of Interest on
Loan for Higher Studies

80 E

80 G

Deduction for donations towards

Social Causes

SECTION 80 C

RETURN
LAST 3 YEAR

ELSS

27%

ULIP

10%

LIFE
PPF
INSURANC
E

6%

LOCK IN
PERIOD
3 YEARS 5 years
15 years
COST PER
Low
7% entery
HIGH
YEAR
cost (1 lot with 1%
to 2.5%) annual
charges

RISK
LIFE COVER

INVEST IN

HIGH
NILL

NPS

BAN PENSION TERM EPF

K
PLANS
LIFE
FDs
INSURA
NCE

8.70
8.50
%
8%
% 8 to 18%
15
5
year
5
YEA
s
YEAR
R
15 Years
V.LO V.LOW V.LO Medium
W
W

V.LO
V.LO
HIGH
V.LOW
W V.LOW W
Medium
10 times of 5 Times of NILL as per NILL 5 times of
annual
annual
plan
annual
premium premium
premium

Equity bonds+Equ
market
ity

Bonds

Bond
s Bonds FDs

Equity
+Bonds

Nill

8.20
%

Nill
VERY
HIGHT

TILL
JOB
V.LO
W

Nill
Nill

V.LO
W
Nill

Nill

Bond
s

Tuition fees paid for children's education, up to a maximum

of 2 children

ELSS MUTUAL FUNDs

DIVIDEND

The dividend option

provides a periodic income
to the investor, though
there is no obligation on
the part of the mutual fund
to declare a dividend or
maintain its payout ratio
year after year

GROWTH

The growth option has the

potential to generate
higher returns. Your choice
should depend on your
needs and risk appetite

Best Performing Tax Saving Mutual

Fund :
Mutual Fund
Scheme
SBI Magnum Tax
Gain (G)
HDFC Tax Saver
(G)
Birla Sun life Tax
Saving Fund(G)
Reliance Tax
Saver (ELSS) (G)
Axis Long Term
Equity Fund (G)

Crisil
Rank
Rank
3
Rank
5
Rank
0
Rank
4
Rank
1

6mth 1yr

2yr

3yr

5yr

-15.1 -11.7 17.3 13.5 10.5

-16.4 -19.7 14.7 9.8

7.4

-9.9 -6.9 20.9 13.4 8.6

-14.7 -16.5 28.2 17.9 14.6
-9.7 -6.8 28.0 24.3 18.3

Data source moneycontrol.com, Date :: 21-

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THANK YOU