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INSURANCE AS A TAX SAVING INVESTMENT

Life insurance benefits you & your family in many ways. One of the major advantages is your family’s protection & along with this protection there are other key factors that are crucial to plan your savings, one of them is tax planning. Life insurance plays a major role as a tax saving investment option by providing various plans like term plan, retirement, savings & investment plans which could be viable tax saving options. Learn how HDFC Life’s life insurance plans offer you multiple ways to save tax.

Latest Income Tax Slab 2020-21

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Our vision is to provide innovative and customer-centric insurance plans that can help our customers secure their family's future as well as help them with other benefits such as tax savings. Keeping this in mind we offer a large range of life insurance plans such as term insurance plan, women's plan, health insurance plans, pension plans for retirement planning, child education plans, ULIPs, Savings plans. Most of these life insurance policies are available online, so buy one today and Sar Utha Ke Jiyo!.

As per regulatory changes, it is mandatory to submit PAN/Form 60 (if PAN is not available) for your policy with immediate effect. Please update via My Account/[email protected]/18602679999/HDFC Life branch. Ignore if already submitted.

HDFC Life Insurance Company Limited. CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.

Registered Office:

HDFC Life Insurance Company Limited,

Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400 011. Tel No: (022)67516666.

The name/letters "HDFC" in the name/logo of the company belongs to Housing Development Finance Corporation Limited and is used by HDFC Life under a licence/agreement
For more details on risk factors, associated terms and conditions and exclusions, please read the sales brochure carefully before concluding a sale. ARN: EC/06/2017/9792

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Learn how HDFC Life’s life insurance plans offer you multiple ways to save tax.<div class="btn-wrap" style="text-align: center;margin: 20px 0 5px; "><a class="btn-red btn-default" target="_blank" href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/income-tax-slab-2020-21" style="padding: 10px 15px; ">Latest Income Tax Slab 2020-21</a></div>', 'alt': None, 'label': 'help me decide which plan_KC Category Tax'}, 'fields': {'image-field': ['which-plan'], 'textfield': ['which-plan-red-text', 'which-plan-blue-text', 'which-plan-description']}}, 'a4fKxFD69pjtjEA': {'slug': 'kc-landing-featured-articles', 'label': 'Kc Landing Featured Articles Tax', 'id': '77sTnLxAb90R40x', 'template_url': 'kc-details-theme-one/widgets/knowledge_center.tpl.html', 'type': 'article_list', 'data': {'heading': 'Featured Articles', 'icon_url': None, 'label': 'Kc Landing Featured Articles Tax', 'alt': None, 'mobile-question-heading': None, 'content': [{'url': '/insurance-knowledge-centre/tax-saving-insurance/mistakes-while-investing-to-save-income-tax', 'slug': 'mistakes-while-investing-to-save-income-tax', 'image': {'banner': 'yhBwj80TxmGIE48'}, 'id': 1041, 'tags': ['Tax', 'Tax Saving', 'Insurance Basics', 'Investment', 'Retirement', 'Health'], 'blog_author': None, 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI3_RqpSuPm_tile.jpg', 'categories': ['insurance-knowledge-centre', 'tax-saving-insurance'], 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI3_RqpSuPm_thumb.jpg', 'title': 'Five mistakes you must avoid while investing to save income tax', 'excerpt': 'Section 80C allows exemptions for various investments which people undertake for saving on taxes. To know more about mistakes while investing to save income tax, Visit Now!', 'tag_list': [{'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Tax Saving', 'link': '/topics/tags/tax-saving'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}], 'category_url': '/insurance-knowledge-centre/tax-saving-insurance/', 'attributes': [{'type': 'textfield', 'data': {'slug': 'description', 'value': 'Section 80C allows exemptions for various investments which people undertake for saving on taxes. To know more about mistakes while investing to save income tax, Visit Now!', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'title', 'value': 'Five Mistakes You Must Avoid While Investing To Save Income Tax - HDFC Life', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'keywords', 'value': 'mistakes you must avoid while investing, income tax, mistakes while investing to save income tax, mistakes while save income tax', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'slug': 'adobe-dtm-script', 'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Investment:mistakes while save income tax\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Investment\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Investment:mistakes while save income tax\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'carousel', 'value': 'specialCarousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'article-button-text', 'value': 'Plan Income tax ', 'label': 'article button text'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'article-button-link', 'value': 'https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/mistakes-while-investing-to-save-income-tax?source=NW_KC_mistakeswhileinvestingsaveIT_PIT13&agentcode=00399206', 'label': 'article button link'}, 'validations': {}}], 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<p>In Indian taxation system, <a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/what-is-income-tax-return">income tax</a> is one of the main types of direct taxes levied by the government. It is the tax that is levied under the regulatory guidelines of CBDT (Central Board of Direct Taxes), and is imposed by the government on income generated by businesses and individuals (including HUFs or Hindu Undivided Families) within their jurisdiction. An income tax is therefore the tax that is levied on the earnest monthly salary and it varies from one taxable slab to another. Section 80C of the Income Tax Act, 1961 allows exemptions for various investments which people undertake for saving on taxes. However, while planning to invest in order to save payable income tax, there are certain common mistakes, which must be avoided. Following is a list of these mistakes that you must avoid while investing to save income tax:</p>\n\n<p>1.    Ignoring your specific needs and requirements: This is one of the most common mistakes that many people make. Before making any investment decision, you must make a list of your specific needs and requirements so that the right kind of matched decisions can be taken. Therefore, it is important to not follow what the others are doing but to take care of your own financial aspirations.</p>\n\n<p>2.    Not choosing the right amount of investment: Underinvestment and overinvestment are both factors that you must avoid. The amount that you to choose to invest obviously depends on the earnest monthly income. Therefore, if you choose to invest in a particular instrument, you must do so after taking due care of meeting your needs and that of your loved ones. After doing that, the surplus amount must then be invested. However, investing the surplus completely must be avoided because you have to contribute towards the basic savings corpus as well as keep emergency funds available.</p>\n\n<p>3.    Not exploring all options: Sections 80C, 80G, 80D and 80CCD are various sections that offer exemptions on options that range from investments in health insurance to contributions towards certain charitable or other institutions. Therefore, you must have a clear understanding of the legal Sections under which exemptions are being offered so that you can have a better grasp of the available options.</p>\n\n<p>4.    Lop-sided investment portfolio: The ideal investment portfolio must consist of both the debt and equity instruments and even hybrid instruments. This ensures stable benefits over a period of time and ensures that all your funds are not tied up in a single investment option.</p>\n\n<p>5.    Not taking due care of present commitments: This means that if you have invested more than the surplus, then the present day commitments or immediate financial goals may not be duly met. Therefore, it is important that you take due care of present commitments while planning your long term investments.</p>\n\n<p>HDFC Life offers several <a href="https://www.hdfclife.com/savings-investment-plans">saving and investment plans</a> that allow you to maintain security of the finances and offer market-linked returns and capital benefits. For details, click on the mentioned link: <a href="https://www.hdfclife.com/savings-investment-plans">https://www.hdfclife.com/savings-investment-plans</a>. </p>\n\n<p style="text-align:center"><a href="https://onlineinsurance.hdfclife.com/buy-online-term-insurance-plans/click-2-protect-3D/calculate-premium?source=NW_KC_MistakesInvestingIncTax_C2P3D&agentcode=00399206"><img alt="" src="https://beta-api.hdfclife.tech/2.0/redirect/media/image/ulips.jpg" /></a></p>\n\n<p> </p>', 'view_count': 2183, 'banner_image': {'url': 'https://brandsite-static.hdfclife.com/media/image/RS-SI3_RqpSuPm.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI3_RqpSuPm_thumb.jpg', 'id': 'yhBwj80TxmGIE48', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI3_RqpSuPm_tile.jpg', 'alt': {'en': 'Five mistakes you must avoid while investing to save income tax'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI3_RqpSuPm.jpg'}, 'publish_at': '2019-03-16T02:57:00Z'}, {'url': '/insurance-knowledge-centre/tax-saving-insurance/investment-proofs-to-save-tds', 'slug': 'investment-proofs-to-save-tds', 'image': {'banner': 'yhBwj80TxmGIE48'}, 'id': 1046, 'tags': ['Tax', 'Tax Saving', 'Insurance Basics', 'Investment', 'Retirement', 'Health'], 'blog_author': None, 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI3_RqpSuPm_tile.jpg', 'categories': ['insurance-knowledge-centre', 'tax-saving-insurance'], 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI3_RqpSuPm_thumb.jpg', 'title': 'Investment proofs you need show in January to save TDS', 'excerpt': 'HDFC Life presents several saving and investment plans that offer multiple avenues to assist you in saving your funds and making your funds work for you in the long run.', 'tag_list': [{'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Tax Saving', 'link': '/topics/tags/tax-saving'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}], 'category_url': '/insurance-knowledge-centre/tax-saving-insurance/', 'attributes': [{'type': 'textfield', 'data': {'slug': 'description', 'value': 'There are certain permissible deductions for the slabs that are covered under the purview of investment proofs that you can show for claiming TDS deductions. To Know more, Visit Now!', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'title', 'value': 'Investment Proofs You Need Show In January to Save TDS - HDFC Life', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'keywords', 'value': 'investment proof, income tax saving, tax proof, income tax slab', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'slug': 'adobe-dtm-script', 'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Investment:tds saving\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Investment\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Investment:tds saving\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'carousel', 'value': 'specialCarousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'article-button-text', 'value': 'Plan Income tax ', 'label': 'article button text'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'article-button-link', 'value': 'https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/investment-proofs-to-save-tds?source=NW_KC_investmentproofstosaveTDS_PIT48&agentcode=00399206', 'label': 'article button link'}, 'validations': {}}], 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<p>In order to calculate the exact amount of income tax that you must pay, note down your exact taxable income. The final payable tax is calculated by applying the tax rates and then deducting the amount that has already been paid through <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/Deduction-under-section-80C" target="_blank">TDS</a> (Tax Deducted at Source) and other forms of advance tax.</p>\n\n<p>In India, the concerned authorities follow a particular slab structure for levying of taxes. These tax rates have been prescribed for different slabs and such tax rates keep increasing with an increase in the income slab. Every financial year, the revised or unchanged slabs are announced and this maintains the integral taxation system. Further, since the budget of 2018 has not announced any changes in income tax slabs this time, it remains the same as that of last year.</p>\n\n<p>There are three categories of individual taxpayers:</p>\n\n<ol>\n\t<li>Individuals who are yet to cross 60 years of age and this includes non-resident Indians as well.</li>\n\t<li>Senior Citizens who have already crossed the age of 60 years.</li>\n\t<li>Super senior citizens who have crossed the age of 80.</li>\n</ol>\n\n<p><a href="https://www.hdfclife.com/insurance-knowledge-centre/income-tax-returns/income-tax-slab-2020-21" target="_blank">Income Tax Slab</a> and Rates for Financial Year 2018-19 are as mentioned below:</p>\n\n<ul>\n\t<li>People who have an income less than Rs. 2.5 lac annually have to pay no tax</li>\n\t<li>0%-5% tax with income ₹ 2.5 lacs to 5 lacs for different age groups</li>\n\t<li>For people who earn an annual income of Rs. 5 to Rs. 10 Lacs, 20% will be charged as tax.</li>\n\t<li>Investments up to ₹ 1.5 lacs under Section 80C can save ₹ 45,000 in taxes.</li>\n</ul>\n\n<p>Now, as per the same applicable rules under Section 80C of the Income Tax Act, 961, there are certain permissible deductions for these slabs that are covered under the purview of investment proofs that you can show for claiming TDS deductions.</p>\n\n<p>Investment in Life Insurance: In <a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/type-of-insurance" target="_blank">life insurance</a> segment, there are various types of plans available through many insurance companies and while investing in such plans, the amount that is payable as premium acts as a hedge against deductions, which means that you can show your investment as a proof for seeking due exemption.</p>\n\n<p>Public Provident Fund Account:  In India, PPF acts as a savings-cum-tax-saving scheme. PPF is regulated by National Savings Organization and is deducted by an employer on current source. A copy of the passbook and the receipt of the deposits made act as investment proofs for the due submission for TDS savings.</p>\n\n<p>Equity Linked Saving Schemes: Investment in ELSS or Equity Linked Saving Schemes mean earning <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/are-you-getting-tax-benefits-from-your-life-insurance" target="_blank">tax benefit</a>s along with the possibility of optimum returns. Again, the receipt of investment proofs acts as a documentation for the benefit while TDS reimbursement.</p>\n\n<p>Investment in <a href="https://www.hdfclife.com/health-insurance-plans/easy-health">Medical Insurance</a>: In our country, there are different insurance options available for different kinds of healthcare coverage. Taking out a healthcare policy can act as a substantial proof of investment when it comes to seeking exemptions and TDS reimbursement forms an important part of such claims.</p>\n\n<p>HDFC Life presents several saving and investment plans<a name="_GoBack"></a> that offer multiple avenues to assist you in saving your funds and making your funds work for you in the long run. For details, click on the mentioned link:<a href="https://www.hdfclife.com/savings-investment-plans">https://www.hdfclife.com/savings-investment-plans</a></p>\n\n<p style="text-align:center"><a href="https://onlineinsurance.hdfclife.com/buy-online-investment-plans/click-2-invest-ulip-plan/start-investing?source=NW_KC_InvestmentProofsTDS_CalcP_C2P3D&agentcode=00399206"><img alt="" src="https://beta-api.hdfclife.tech/2.0/redirect/media/image/tax saving calculator.png" /></a></p>\n\n<p> </p>', 'view_count': 2519, 'banner_image': {'url': 'https://brandsite-static.hdfclife.com/media/image/RS-SI3_RqpSuPm.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI3_RqpSuPm_thumb.jpg', 'id': 'yhBwj80TxmGIE48', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI3_RqpSuPm_tile.jpg', 'alt': {'en': 'Five mistakes you must avoid while investing to save income tax'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-SI3_RqpSuPm.jpg'}, 'publish_at': '2019-03-16T02:56:00Z'}, {'url': '/insurance-knowledge-centre/tax-saving-insurance/direct-taxes-how-to-avoid-being-overtaxed', 'slug': 'direct-taxes-how-to-avoid-being-overtaxed', 'image': {'banner': '6yWTOKtSaccpiGw'}, 'id': 1006, 'tags': ['Tax', 'Tax Saving', 'insurance', 'about-life-insurance', 'Insurance Basics'], 'blog_author': None, 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/get married_tile.jpg', 'categories': ['insurance-knowledge-centre', 'tax-saving-insurance'], 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/get married_thumb.jpg', 'title': 'Direct Taxes: How to avoid being overtaxed', 'excerpt': 'Al the working procedures of the Income Tax department segments and the concerned officials responsible for financial audits vis-à-vis direct tax recovery, defaults, tax-evasion etc. are laid into effect by CBDT, under the Finance Ministry.', 'tag_list': [{'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Tax Saving', 'link': '/topics/tags/tax-saving'}, {'text': 'insurance'}, {'text': 'about-life-insurance'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}], 'category_url': '/insurance-knowledge-centre/tax-saving-insurance/', 'attributes': [{'type': 'textfield', 'data': {'slug': 'description', 'value': 'Taxes that are levied by the government directly on the individuals are referred to as direct taxes. Direct taxes does not require any third-party intervention between the individual or the entity in question and the government.', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'title', 'value': 'Direct Taxes: How to Avoid Being Overtaxed – HDFC Life', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'keywords', 'value': 'direct taxes, direct overtaxed, direct tax', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'slug': 'adobe-dtm-script', 'value': '', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'carousel', 'value': 'specialCarousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'article-button-text', 'value': 'Income Tax calculator', 'label': 'article button text'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'article-button-link', 'value': 'https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/direct-taxes-how-to-avoid-being-overtaxed?source=NW_KC_howtoavoidbeingovertaxed_ITC4&agentcode=00399206', 'label': 'article button link'}, 'validations': {}}, {'type': 'textarea', 'data': {'slug': 'canonical-url', 'value': '/insurance-knowledge-centre/tax-saving-insurance/direct-taxes-how-to-avoid-being-overtaxed', 'label': 'canonical url'}, 'validations': {}}], 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<p>In India, taxation is of two types: <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/direct-tax">direct taxation</a> and <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/indirect-tax">indirect taxation</a>. As the name implies indirect taxation is the name given to the taxes paid by an individual to a different entity, which are then paid by that entity to the government. Taxes like GST, VAT, any retail taxes etc. come in this category. On the other hand, taxes that are levied by the government directly on the individuals or entities are referred to as direct taxes. Taxes like income tax, wealth tax and capital gain tax etc. come under the purview of direct taxes. Therefore, direct taxes are those that do not require any third-party intervention between the individual or the entity in question and the government.</p>\n\n<p>Various direct taxes payable in India are:</p>\n\n<ol>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/how-to-calculate-income-tax">Income tax</a>: This is the tax that an individual, business firm or HUF (Hindu Undivided Family) has to pay as the respective income slab they constitute. It is a mandatory tax and is levied on income in the form of salary, earnings from business, capital gains, etc.</li>\n\t<li>Wealth tax: This tax is levied on individuals, corporate establishments, HUFs on any earnings or profits from the ownership of property.</li>\n\t<li>Corporate tax: This is the tax that is levied on companies and foreign ventures on the earnings made in Indian geographical domain. Taxes like DDT (Dividend Distribution Tax), FBT (Fringe Benefit Tax) and STT (Securities Transaction Tax) come under the purview of corporate taxation.</li>\n\t<li>Capital Gains tax: This is the tax that is levied on the earnings made through investment instruments and related value holdings.</li>\n</ol>\n\n<p>The governing body for direct taxation in India is the CBDT (Central Board of Direct Taxes). CBDT itself is a functioning body that comes under the supervision and regulation of the Revenue Department of the Finance Ministry of the Government of India. Central Board of Revenue Act, 1963 served as the turning point for direct taxation in India and CBDT came into being. CBDT mandates the rules, regulations and any updates regarding the way collection of direct taxes in India is done. Al the working procedures of the <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/online-facility-for-paying-taxes">Income Tax department</a> segments and the concerned officials responsible for financial audits vis-à-vis direct tax recovery, defaults, tax-evasion etc. are laid into effect by CBDT, under the Finance Ministry.</p>\n\n<p>HDFC Life offers savings and investment plans that are aimed at helping your stay financially healthy at all times and securing the future of your loved ones. For details, click on the mentioned link: <a href="https://www.hdfclife.com/savings-investment-plans">https://www.hdfclife.com/savings-investment-plans</a>.    </p>\n\n<p style="text-align:center"><a href="https://onlineinsurance.hdfclife.com/portal.do?_portalid=ops_c2i_lng&_pageid=ops_c2i_lngPage&ocpseqno=1&prodcd=UL8C2I&categcd=INVT&name=HDFC%20Life%20Click%202%20Invest&journey=SH&source=NW_KC_DirectTaxesOvertaxed_CalcP_UL8C2I&agentcode=00399206"><img alt="" src="https://beta-api.hdfclife.tech/2.0/redirect/media/image/in.jpg" /></a></p>', 'view_count': 2244, 'banner_image': {'url': 'https://brandsite-static.hdfclife.com/media/image/get married.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/get married_thumb.jpg', 'id': '6yWTOKtSaccpiGw', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/get married_tile.jpg', 'alt': {'en': 'ITR 5 - How to file ITR 5 online'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/get married.jpg'}, 'publish_at': '2019-02-14T06:15:00Z'}, {'url': '/insurance-knowledge-centre/tax-saving-insurance/gst-meaning', 'slug': 'gst-meaning', 'image': {'banner': 'uDE4pT4b3Iohew7'}, 'id': 1005, 'tags': ['Tax', 'Tax Saving', 'Retirement Planning', 'about-life-insurance', 'Insurance Basics', 'Investment'], 'blog_author': None, 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/3_3_tile.jpg', 'categories': ['insurance-knowledge-centre', 'tax-saving-insurance'], 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/3_3_thumb.jpg', 'title': 'Everything you must know about GST', 'excerpt': 'IGST is levied by Central Govt. of India. IGST is Chargeable on Interstate transactions (between two states) of goods and services. It is levied only where the goods or services fall in the domain of state transactions. IGST is the tax that is the exclusive domain of the Union Government.', 'tag_list': [{'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Tax Saving', 'link': '/topics/tags/tax-saving'}, {'text': 'Retirement Planning'}, {'text': 'about-life-insurance'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'category_url': '/insurance-knowledge-centre/tax-saving-insurance/', 'attributes': [{'type': 'textfield', 'data': {'slug': 'description', 'value': 'Goods and Service Tax, is an indirect tax, which is levied on the supply of goods and services. It is charged at every point of sales and services. To know more about GST, Visit Now!', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'title', 'value': 'Everything you must know about GST - HDFC Life', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'keywords', 'value': 'about gst, gst meaning, gst explained, gst information', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'slug': 'adobe-dtm-script', 'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Insurance Basics:gst explained\', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife: Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center: Insurance Basics\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Insurance Basics:gst explained\',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'carousel', 'value': 'specialCarousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'article-button-text', 'value': 'Plan Income tax ', 'label': 'article button text'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'article-button-link', 'value': 'https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/gst-meaning?source=NW_KC_GSTmeaning_PIT73&agentcode=00399206', 'label': 'article button link'}, 'validations': {}}], 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<p>In our country, there are many different types of taxes that are levied by the central & state governments on the products or services. Earlier, these types of taxes were known as VAT (value-added tax). But now, after reformation of all taxes, it has merged into a single tax payment method which is known as GST (<a href="http://www.gstcouncil.gov.in/">Goods and Service Tax</a>). GST scheme was launched on 1<sup>st</sup> July2017 by the central government of India with 76% vote majority of parliament members.  GST- Goods and Service Tax, is an indirect taxation, which is levied on the supply of goods and services. GST is charged at every point of sales and services. It has eliminated inefficiencies in the tax system. GST has introduced transparency in levying of taxes. Elimination of multiple taxes and merger of indirect taxes in one tax resulted in GST. <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/impact-of-gst" target="_blank">GST</a> has improved ease of doing businesses in between states. GST has been subsumed indirect taxes of both central government and state governments and therefore the governments are now dependent on GST for their indirect tax revenue.</p>\n\n<p>GST is divided into three different types,</p>\n\n<ul>\n\t<li>CGST – Central Goods and Service Tax</li>\n\t<li>SGST/UTGST- State Goods and Service Tax/Union Territory Goods and Service Tax</li>\n\t<li>IGST- Integrated Goods and Service Tax</li>\n</ul>\n\n<p>CGST is levied by Central Govt. of India on transaction of the products, tax taking place within a state. It has replaced all the existing central taxes including custom duty, central excise duty, service tax, etc. Usually CGST rate is equal to the SGST rate. Taxes are charged on the base price of the goods and services.</p>\n\n<p>SGST is levied by the State Govt. where the products are being sold or purchased within state. SGST has two components of taxes charged on every Intrastate transaction. One of these is the component levied by the state government and second one is linked to CGST component. SGST replaces all the state taxes which were existing previously like VAT (<a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/What-is-VAT">value added tax</a>), Entertainment tax, Service tax, Luxury tax, State sales tax, Entry tax, etc.</p>\n\n<p>UTGST is levied only for five Union territory state- Chandigarh, Dadra and Nagar Haveli, Andaman Nicobar Island, Lakshadweep, Daman and Diu. These states levy additional tax component with break up including UTGST and additional CGST for all transactions of goods and services. Two Union Territory (Delhi, Puducherry) are free from additional charge for GST because of their own legislature.</p>\n\n<p>IGST is levied by Central Govt. of India. IGST is Chargeable on Interstate transactions (between two states) of goods and services. It is levied only where the goods or services fall in the domain of state transactions. IGST is the tax that is the exclusive domain of  the Union Government.</p>\n\n<p>HDFC Life offers a free online save tax calculator that helps you plan your tax expenditure in a better manner. For further details, click on the following link: <a href="https://www.hdfclife.com/financial-tools-calculators/tax-saving-calculator">https://www.hdfclife.com/financial-tools-calculators/tax-saving-calculator</a>.</p>\n\n<p style="text-align:center"><a href="https://onlineinsurance.hdfclife.com/buy-online-investment-plans/click-2-invest-ulip-plan/start-investing?source=NW_KC_EverythingAboutGST_CalcP_UC1&agentcode=00399206"><img alt="" src="https://beta-api.hdfclife.tech/2.0/redirect/media/image/pre.jpg" /></a></p>', 'view_count': 1792, 'banner_image': {'url': 'https://brandsite-static.hdfclife.com/media/image/3_3.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/3_3_thumb.jpg', 'id': 'uDE4pT4b3Iohew7', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/3_3_tile.jpg', 'alt': {'en': 'This Republic Day, understand what are your taxes being used for'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/3_3.jpg'}, 'publish_at': '2019-02-14T06:12:00Z'}, {'url': '/insurance-knowledge-centre/tax-saving-insurance/file-itr2-online', 'slug': 'file-itr2-online', 'image': {'banner': 'DpbzXlvHMO6sxnD'}, 'id': 951, 'tags': ['Tax', 'Tax Saving'], 'blog_author': None, 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/C2I__tile.jpg', 'categories': ['insurance-knowledge-centre', 'tax-saving-insurance'], 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/C2I__thumb.jpg', 'title': 'How to file ITR 2 online - Complete Guide', 'excerpt': 'ITR2 is for Individuals and HUFs not having income from profits and gains of business or profession.', 'tag_list': [{'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Tax Saving', 'link': '/topics/tags/tax-saving'}], 'category_url': '/insurance-knowledge-centre/tax-saving-insurance/', 'attributes': [{'type': 'textfield', 'data': {'slug': 'title', 'value': 'Complete Guide to File ITR 2 Online - Meaning and Steps | HDFC Life', 'label': 'Title'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'meta-description', 'value': 'ITR2 is for Individuals and HUFs not having income from profits and gains of business or profession.', 'label': 'Meta Description'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'meta-keywords', 'value': 'itr2 download, itr2 form download', 'label': 'Meta Keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'slug': 'adobe-dtm-script', 'value': '<script type="text/javascript">\n var digitalData = { \npage : {\n\'pageName\': \'HDFCLife:Knowledge Center:Tax:How Can I File ITR2 Online \', \n\'channel\':\'HDFCLife:Knowledge Center\', \n\'subSection2\':\'HDFCLife:Knowledge Center\',\n\'subSection3\':\'HDFCLife:Knowledge Center:Tax\',\n\'subSection4\': \'HDFCLife:Knowledge Center:Tax:How Can I File ITR2 Online \',\n\'userType\':\'guest/signed-in\'\n }\n};\n </script>', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'description', 'value': 'A comprehensive guide on ITR2 form. Know the meaning & the step by step process to fill the form online. Read this article to know more details. Visit Now!', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'keywords', 'value': 'how to file itr2 online, file itr2 online, steps to file itr 2 online, itr 2 online form', 'label': 'keywords'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'carousel', 'value': 'specialCarousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'article-button-text', 'value': 'More about Tax Savings', 'label': 'article button text'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'article-button-link', 'value': 'https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance', 'label': 'article button link'}, 'validations': {}}], 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<p>The income tax department has put in place certain guidelines and segments for tax payers for an efficient modeling and streamlining of the whole system of taxation. One such segment is the one that requires filling an ITR 2 form for filing the returns. Any individual who earns the income from the following sources is eligible for using ITR 2 form for filing the returns:</p>\n\n<ol>\n\t<li>Money earned as salary or annuity (<a href="https://www.hdfclife.com/retirement-and-pension-plans">monthly pension</a>)</li>\n\t<li>If the source of income is rent earned on more than one rented property.</li>\n\t<li>Any monetary earnings from capital gains and long term and short term investments of similar nature </li>\n\t<li>Earnings from foreign deposits</li>\n\t<li>Earnings from agricultural sources (more than  Rs 5000)</li>\n\t<li>Earnings from sources like lottery, legal gambling etc.</li>\n</ol>\n\n<p>ITR2 form cannot be perused by any person or HUF (Hindu Undivided Family) whose source of income is an established business.</p>\n\n<p>A standard ITR2 form structured in the following manner must be filled accordingly after accessing the online filing applications:</p>\n\n<ol>\n\t<li>There is the initial segment, titled Part A which is meant for general information.</li>\n\t<li>Then there is Part B-TI which is meant for declaring the total income.</li>\n\t<li>Part B-TTI is the segment where the tax on total income is to be stated</li>\n\t<li>The information related to money earned through salaries is to be given in Schedule S</li>\n\t<li>Any earnings from capital gains are to be declared under Schedule CG.</li>\n\t<li>Then there is Schedule HP, wherein the earnings from House Property are to be mentioned.</li>\n\t<li>There is schedule OS, where the earnings from other sources are to be mentioned.</li>\n\t<li>Schedule IF is the segment where the partnership details (if he taxpayer is a partner in an established firm) are to be given</li>\n\t<li>The earnings that reflect after considering the current year losses are stated in Schedule CYLA.</li>\n\t<li>In Schedule BFLA, the earnings after set off of unabsorbed loss brought forward from previous fiscals are to be mentioned.</li>\n\t<li> Schedule CFL is where the details of Carry Forward Losses (to next fiscals) are mentioned.</li>\n\t<li>Schedule VI A is where the details of any deductions under chapter VI A are listed.</li>\n\t<li> Under Schedule 80G is where any deductions under Section 80G are listed.</li>\n\t<li>The details of any earnings of listed persons as mentioned in Schedules HP, CG and OS and any earnings that arise from those of spouse/dependent minor child etc. are listed in Schedule SPI.</li>\n\t<li>Any earnings that are chargeable under special tax are listed in Schedule SI.</li>\n\t<li> Any earning that is exempt is mentioned under Schedule EI.</li>\n\t<li>Schedules PTI, FSI, and TR are where the details pertaining to earnings from investment funds (under Sections 115-UA and UB), earnings from foreign deposits and details of taxes paid outside India are to be listed, respectively.</li>\n\t<li> Any statements about foreign assets and distributed earnings between married couples are mentioned under Schedules FA and 5A respectively.</li>\n\t<li> If the earnings exceed Rs 50 Lacs, then the statement about assets and liabilities is to be mentioned in Schedule AL.</li>\n</ol>\n\n<div>\n<p>Find our <a href="https://www.hdfclife.com/financial-tools-calculators/tax-saving-calculator">tax saving calculator</a> if you want to save your income tax. HDFC Life presents HDFC Life Click 2 invest ULIP, an online unit linked insurance plan that offers financial security along with <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/are-you-getting-tax-benefits-from-your-life-insurance" target="_blank">tax benefits</a> under Sections 80C and 10D. For details, click on the mentioned link: <a href="https://www.hdfclife.com/savings-investment-plans/click-2-invest-ulip-plan">https://www.hdfclife.com/savings-investment-plans/click-2-invest-ulip-plan</a>.</p>\n\n<h3><strong>Related Articles</strong></h3>\n\n<ul>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/top10-tax-saving-instruments" target="_blank">Tax Saving- Compare top 10 tax saving instruments in India under section 80C</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/tax-free-income-and-investment-options-for-2021" target="_blank">Tax Free Income & Investments in India 2021</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/how-to-save-income-tax-in-india" target="_blank">How to Save Income Tax in India?</a></li>\n</ul>\n</div>', 'view_count': 1694, 'banner_image': {'url': 'https://brandsite-static.hdfclife.com/media/image/C2I_.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/C2I__thumb.jpg', 'id': 'DpbzXlvHMO6sxnD', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/C2I__tile.jpg', 'alt': {'en': ''}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/C2I_.jpg'}, 'publish_at': '2019-01-08T10:16:00Z'}, {'url': '/insurance-knowledge-centre/tax-saving-insurance/know-how-to-pay-income-tax-online', 'slug': 'know-how-to-pay-income-tax-online', 'image': {'banner': 'l6Buqa968WBpedO'}, 'id': 925, 'tags': ['Tax Saving'], 'blog_author': None, 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/Planning2Retire_tile.jpg', 'categories': ['insurance-knowledge-centre', 'tax-saving-insurance'], 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/Planning2Retire_thumb.jpg', 'title': 'Know how to pay income tax online', 'excerpt': 'Now days you can pay your income tax online and save your time and energy. This not only saves you from unnecessary hassles but also ensures that the whole process is smooth and transparent.', 'tag_list': [{'text': 'Tax Saving', 'link': '/topics/tags/tax-saving'}], 'category_url': '/insurance-knowledge-centre/tax-saving-insurance/', 'attributes': [{'type': 'textfield', 'data': {'slug': 'title', 'value': 'A Step-by-Step guide on How to Pay Income Tax Online | HDFC Life', 'label': 'Title'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'meta-description', 'value': 'If you have been using the offline method for paying income tax, you should consider switching over to the online mode. To know more about how to pay income tax online, Visit Now!', 'label': 'Meta Description'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'meta-keywords', 'value': 'how to pay income tax online, indirect taxes, income tax, permanent account number', 'label': 'Meta Keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'slug': 'adobe-dtm-script', 'value': '', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'description', 'value': 'If you have been using the offline method for paying income tax, you should consider switching over to the online mode. To know more about how to pay income tax online, Visit Now!', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'keywords', 'value': 'how to pay income tax online, indirect taxes, income tax, permanent account number', 'label': 'keywords'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'carousel', 'value': 'specialCarousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'article-button-text', 'value': 'Plan Income tax ', 'label': 'article button text'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'article-button-link', 'value': 'https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/know-how-to-pay-income-tax-online?source=NW_KC_knowhowtopayincometaxonline_PIT16&agentcode=00399206', 'label': 'article button link'}, 'validations': {}}], 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<p>In the development of any country, taxation serves as the basic platform for generation of the nation’s wealth. In India, the whole system of taxation is very extensive and broad and has always been subject to reviews and updates. The taxes may be charged directly by the government (<a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/indirect-tax">indirect taxes</a>) and directly (<a href="https://www.hdfclife.com/insurance-knowledge-centre/income-tax-returns/income-tax-slab-2020-21">income tax</a>). These days, owing to the widespread implementation of the digital modes of commercial activities, almost all the aspects of this domain have come under the online mode.</p>\n\n<p>Earlier, when only the offline mode was available, paying income tax used to be a tedious process requiring a lot of paperwork. But now, you can pay your income tax online and thus save your time and energy. This not only saves you from unnecessary hassles but also ensures that the whole process is smooth and transparent. Online mode works in seconds and within a short period of time, you can make the payments and keep a track of the receipt of funds. The whole exercise is discreet, without unwanted accesses and you know when the funds are received by the Income Tax department. Therefore, even if you have been using the offline method for paying income tax until now, you should consider switching over to the online mode. Following are the steps involved while paying income tax online:</p>\n\n<ol>\n\t<li>For paying the taxes, you must have access to your net banking facility offered by your bank. If you have the required facility, you simply need to log in to the official portal of the Income Tax department and click on the option related to paying e-tax.</li>\n\t<li>From the list of options displayed on the screen, click on the one that gives you access to Challan 280.</li>\n\t<li>Depending on the financial year, you then have to choose the following options:</li>\n</ol>\n\n<ol style="list-style-type:lower-alpha;">\n\t<li>Choose section 300, if the tax for the previous fiscal is being paid by you.</li>\n\t<li>Choose section 100, if the tax for the current fiscal is being paid by you.</li>\n\t<li>Choose section 400, if the tax for the current fiscal is being paid by you but after receiving a notice.</li>\n</ol>\n\n<ol>\n\t<li value="4">Next comes the page where you have to mention basic details like the year of assessment, PAN (<a href="https://www.incometaxindia.gov.in/Pages/pan.aspx">Permanent Account Number</a>) details, the residential address, bank details, registered phone number and email ID etc. After filling the details, be sure to double check so that there is no discrepancy.</li>\n\t<li> After filling the details and submission of the same, the next page that will be displayed will be the access page for the online transaction (net banking page) of your bank.</li>\n\t<li>Use your net banking credentials to log in and make the payment (be sure to check whether you are filling in the correct amount. Seek professional assistance from a certified professional, if in doubt).</li>\n\t<li>Once you make the payment, the receipt of the same will be displayed and you must keep a record of it.</li>\n</ol>\n\n<p>HDFC Life offers Save Tax Calculator – an online tool that makes it very easy for you to calculate the amount of tax payable so that you have complete clarity while paying your income tax. For details, click on the mentioned link: <a href="https://www.hdfclife.com/financial-tools-calculators/tax-saving-calculator">https://www.hdfclife.com/financial-tools-calculators/tax-saving-calculator</a>.</p>\n\n<p> </p>\n\n<p align="center" style="margin-left:18.0pt;"><a class="nav-btn red-btn" href="https://onlineinsurance.hdfclife.com/buy-online-investment-plans/click-2-invest-ulip-plan/start-investing?source=NW_KC_KnowHowPayIncomeTaxOnline_CalcP_CI&agentcode=00399206" rel="noopener" style="position: relative; color: #fff; background: #d51d25; border-radius: 2px; vertical-align: middle; font: 14px \'Source Sans Pro\'; font-weight: 600; padding: 10px 20px; margin-right: 8px; margin-left: 0;" target="_blank">SAVE TAX CALCULATOR</a></p>', 'view_count': 1612, 'banner_image': {'url': 'https://brandsite-static.hdfclife.com/media/image/Planning2Retire.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/Planning2Retire_thumb.jpg', 'id': 'l6Buqa968WBpedO', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/Planning2Retire_tile.jpg', 'alt': {'en': ''}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/Planning2Retire.jpg'}, 'publish_at': '2018-12-18T08:33:00Z'}, {'url': '/insurance-knowledge-centre/tax-saving-insurance/pan-card-status', 'slug': 'pan-card-status', 'image': {'banner': 'hX2wzVCxuarhh8n'}, 'id': 884, 'tags': ['Tax', 'Health', 'Investment', 'Insurance Basics', 'Retirement', 'Child'], 'blog_author': None, 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/15 new1_tile.jpg', 'categories': ['insurance-knowledge-centre', 'tax-saving-insurance'], 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/15 new1_thumb.jpg', 'title': 'How to Check Pan Card Status Online', 'excerpt': 'PAN card status can be checked online either through NSDL (National Securities Depository Limited) website or through the UTIITSL (UTI Infrastructure Technology and Services Limited) portal.', 'tag_list': [{'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}], 'category_url': '/insurance-knowledge-centre/tax-saving-insurance/', 'attributes': [{'type': 'textfield', 'data': {'slug': 'description', 'value': 'PAN card status can be checked online either through NSDL (National Securities Depository Limited) website or through the UTIITSL (UTI Infrastructure Technology and Services Limited) portal.', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'title', 'value': 'Pan Card Status: How to Check Pan Card Status Online – HDFC Life', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'keywords', 'value': 'pan card status, pan card online, track pan card, pan card download, pan card', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'slug': 'adobe-dtm-script', 'value': '<script type="text/javascript">\n\n</script>', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'carousel', 'value': 'specialCarousel', 'label': 'carousel'}, 'validations': {}}], 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\r\n<p>PAN (Permanent Account Number) card is a very crucial document that is mandatory for high value transactions, deposits above Rs 50000 and most importantly, at the time of filing <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/latest-income-tax-slab-and-deductions-fy-2017-18">income tax</a> returns. PAN was first issued in January, 1964 and today it serves as an optional but mandatory document along with passport, Aadhar card etc. PAN number (inscribed on the PAN card) is basically a unique alphanumeric code (10 digits) which serves as identification number for entities (individuals, families, organizations etc). CBDT (Central Board of Direct Taxes) is the governing body that administers the <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/Tax-Structure-in-India">Indian Income Tax</a> Department- the body that issues the PAN. Issuance of PAN is regulated under Section 139 A of the Income Tax Act, 1961.</p>\r\n\r\n<p>With changing times and rapidly spreading digitization in matters of commercial and administrative governance, applying for and obtaining a PAN card has become an online activity, under specified laws. You just have to log on to the web portal of the official PAN body and apply for the same. Application may be a new one (where the applicant has never had a PAN number) or a request for renewal or change in the details. Different forms are available for the types of application and online services are available. Once you apply for a PAN card (after submitting the required documents for ID, address, date of birth proof or Aadhar card for e-verification), it usually takes 10-15 days until you receive the PAN card. However, tracking the status of PAN card is essential and can be done easily online by following the below mentioned steps:</p>\r\n\r\n<ol>\r\n\t<li>There are two modes of checking the status: it can be done either through <a href="https://www.nsdl.co.in/">NSDL</a> (National Securities Depository Limited) website or through the <a href="https://www.utiitsl.com/UTIITSL_SITE/">UTIITSL</a> (UTI Infrastructure Technology and Services Limited) portal. You simply need to log in to either of these two portals.</li>\r\n</ol>\r\n\r\n<p>For NSDL portal, follow the given steps:</p>\r\n\r\n<ol>\r\n\t<li>Log on to the website and open the PAN status page. (<a href="https://tin.tin.nsdl.com/pantan/StatusTrack.html" target="_blank">https://tin.tin.nsdl.com/pantan/StatusTrack.html</a>).</li>\r\n\t<li>From the list of given options, choose as per your need i.e. whether applying for a new PAN, renewal or changes in any detail etc.</li>\r\n\t<li>There is space for acknowledgement number in the next page that appears. Fill in your acknowledgement number there.</li>\r\n\t<li>You then have to fill your name and the details related to your date of birth.</li>\r\n\t<li>Once you click on the “Submit” button, the screen will display the status of your PAN.</li>\r\n</ol>\r\n\r\n<p>For checking the status through the UTI portal, follow the below mentioned steps:</p>\r\n\r\n<ol>\r\n\t<li>Log on to the official UTI portal and open the tracking page. (<a href="http://www.trackpan.utiitsl.com/PANONLINE/#forward" target="_blank">http://www.trackpan.utiitsl.com/PANONLINE/#forward</a>).</li>\r\n\t<li>On the page that appears, enter your application coupon number. If seeking changes or renewal of existing PAN, fill in your existing PAN number.</li>\r\n\t<li>There will a captcha code on display – fill it in carefully.</li>\r\n\t<li>Once you click on the “submit” button, the current status of your PAN will be displayed on the screen.</li>\r\n</ol>\r\n\r\n<p>PAN is an instrument aimed at financial transparency. At the same time, it is important to have financial stability and security for future. HDFC Life offers several savings and investment plans for your better financial health. For details, click on the mentioned link: <a href="https://www.hdfclife.com/savings-investment-plans">https://www.hdfclife.com/savings-investment-plans</a></p>\r\n\r\n<p> </p>\r\n\r\n<p align="center"><a href="https://onlineinsurance.hdfclife.com/buy-online-investment-plans/click-2-invest-ulip-plan/start-investing?source=NW_KC_Pan_Card_Status_CalcP_CTP&agentcode=00399206"><img alt="" height="45" src=" https://brandsite-static.hdfclife.com/media/image/Calculate%20premium\'.png" width="176" /></a></p>', 'view_count': 1946, 'banner_image': {'url': 'https://brandsite-static.hdfclife.com/media/image/15 new1.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/15 new1_thumb.jpg', 'id': 'hX2wzVCxuarhh8n', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/15 new1_tile.jpg', 'alt': {'en': ''}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/15 new1.jpg'}, 'publish_at': '2018-11-30T11:45:00Z'}, {'url': '/insurance-knowledge-centre/tax-saving-insurance/hra-calculation-and-exemption-details', 'slug': 'hra-calculation-and-exemption-details', 'image': {'banner': '8U4fgt9RbKoXFN6'}, 'id': 886, 'tags': ['Tax', 'Health', 'Investment', 'Insurance Basics', 'Retirement', 'Child'], 'blog_author': None, 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/1_6_tile.jpg', 'categories': ['insurance-knowledge-centre', 'tax-saving-insurance'], 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/1_6_thumb.jpg', 'title': 'HRA Calculation and Exemption - Calculate your House Rent Allowance', 'excerpt': 'Understand HRA and know how HRA exemption rules helps rented employee in saving income tax. Calculate your HRA exemption by providing salary, location, HRA received online.', 'tag_list': [{'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}], 'category_url': '/insurance-knowledge-centre/tax-saving-insurance/', 'attributes': [{'type': 'textfield', 'data': {'slug': 'description', 'value': 'Understand HRA & know how HRA exemption rules helps rented employee in saving income tax. Know the complete process of HRA calculation here. Visit Now!', 'label': 'description'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'title', 'value': 'What is HRA? - Details and Calculation Process | HDFC Life', 'label': 'title'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'keywords', 'value': 'hra exemption calculator, hra exemption, hra rules, hra exemption section, how to calculate hra, hra calculation, what is hra', 'label': 'keywords'}, 'validations': {}}, {'type': 'textarea', 'data': {'slug': 'adobe-dtm-script', 'value': '<script type="text/javascript">\n\n</script>', 'label': 'adobe dtm script'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'carousel', 'value': 'specialCarousel', 'label': 'carousel'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'article-button-text', 'value': 'Calculate Income Tax', 'label': 'article button text'}, 'validations': {}}, {'type': 'textfield', 'data': {'slug': 'article-button-link', 'value': 'https://www.hdfclife.com/financial-tools-calculators/income-tax-calculator', 'label': 'article button link'}, 'validations': {}}], 'content': '<link href="/static/iwov-resources/css/style.css" rel="stylesheet" />\n<p>HRA (House Rent Allowance) is one of the primary components of the salary of a person. HRA is that part of the salary that an employer pays to her/his employees for covering up the expenses related to accommodation. HRA depends on several factors, such as the salary of a person, the rent being paid, the basic component of the salary, location of the rented accommodation. Depending on some factors, exemption on HRA can be sought. For a person who actually lives in a rented house, exemption on HRA helps in <a href="https://www.hdfclife.com/insurance-knowledge-centre/income-tax-returns/income-tax-slab-2020-21">income tax</a> savings. However, if a person does not live in a rented house and yet is getting HRA as salary component, the full amount received as HRA is taxable.</p>\n\n<p>It is important to understand the exact amount that is taxable. For any salaried person, the complete amount received as HRA may not be exempt from tax. Therefore, the whole procedure of HRA calculation and exemption must be clearly understood. There are certain parameters that decide what HRA is going to be or what is the limit of HRA exemption that can be had. Actually, HRA is the lowest of the below mentioned four factors:</p>\n\n<ol>\n\t<li>The actual amount received as HRA from the employer.</li>\n\t<li>The rent that you have actually paid reduced by 10% of the salary.</li>\n\t<li>50% of the basic salary, in case the place of residence of the tax payer is in a metro location.</li>\n\t<li>40% of the basic salary, in case the place of residence of the tax payer is in a non-metro location.</li>\n</ol>\n\n<p>This also forms the basis of salary re-structuring (done by the employer) to help the employee save on taxes. This is helpful because the lowest of the above mentioned factors is eligible for exemption from income taxes.</p>\n\n<p>In several cases, there have been instances when a person residing in an accommodation owned by her/his parents has claimed HRA tax exemption. However, this benefit can be availed of only if the property/residence in question is actually owned by the parents and the income from this rent (given by you) is stated as income by them while filing the income tax returns.</p>\n\n<p>For the persons who live independently and pay rent to the tune of more than 1 Lac per annum, for claiming HRA tax exemption, the submission of the landlord’s PAN card is mandatory. There is an important pointer here however. There may be salaried persons who do not get any HRA from their employers. Even such employees can seek <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/income-tax-exemptions-fy-2017-18">tax exemptions</a> under Section 80 GG of the Income Tax Act.</p>\n\n<p>To understand the HRA exemption process in detail, it is important to understand with the help of a practical example. Let’s take the example of a person X. Suppose X lives in New Delhi in a rented accommodation, where she pays Rs 10000 as monthly rent. Suppose X’s basic salary per month is Rs 50000 and an annual component of Rs 1 Lac as HRA is also part of her annual salary package.</p>\n\n<p>Then,</p>\n\n<p>Actual HRA received by X = Rs.100000</p>\n\n<p>Rent that she pays reduced by 10% of her basic salary = 120000 – 60000= 60000</p>\n\n<p>50% of X’s basic salary = 50% of Rs 600000 = 300000</p>\n\n<p>Least of the above is Rs. 60000.</p>\n\n<p>Therefore, X is eligible for HRA exemption of Rs 60,000.</p>\n\n<p>You can calculate your HRA exemption online by providing certain basic information regarding your salary, location, HRA received etc.   </p>\n\n<p>For building up your financial base, it is important for you to invest in healthy channels and comprehensive plans. HDFC Life offers several savings and investment plans that help you reach the pinnacle of your financial strength. For details, click on the mentioned link: <a href="https://www.hdfclife.com/savings-investment-plans">https://www.hdfclife.com/savings-investment-plans</a>.</p>\n\n<h3><strong>Similar Articles</strong></h3>\n\n<ul>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/income-tax-slab-2020-21" target="_blank">Income Tax Slab 2020-21 (AY 2021-22)</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/how-to-file-income-tax-returns-onlinehttps://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/income-tax-calculation" target="_blank">How to calculate income tax in India</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/about-life-insurance/what-is-income-tax-return" target="_blank">Income Tax Return - What Do You Need to Know?</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/mistakes-while-investing-to-save-income-tax" target="_blank">Five mistakes you must avoid while investing to save income tax</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/investment-for-future-planning/save-income-tax-this-year-with-hdfc-life-plans" target="_blank">How to save income tax this year with HDFC Life plans</a></li>\n\t<li><a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/it-return-filing-after-job-change" target="_blank">What Are the Top 3 Problems People Face with Tax Returns after a Job Change?</a></li>\n</ul>', 'view_count': 1806, 'banner_image': {'url': 'https://brandsite-static.hdfclife.com/media/image/1_6.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/1_6_thumb.jpg', 'id': '8U4fgt9RbKoXFN6', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/1_6_tile.jpg', 'alt': {'en': 'Disintegrating Family Structure in India – A Reality Check'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/1_6.jpg'}, 'publish_at': '2018-11-30T11:43:00Z'}], 'mobile-question-text': None}, 'fields': {'textfield': ['heading', 'mobile-question-heading', 'mobile-question-text']}}, 'JTZplJqResIbkWH': {'slug': 'brandsite-how-can-help', 'label': 'brandsite how can help - new - Z', 'id': 'duknoZznwrNG1Gy', 'template_url': 'brandsite-home-theme-one/widgets/how_can_help.tpl.html', 'type': 'data-wysiwyg_editor', 'data': {'alt': None, 'whatsapp-etty-button-link': 'http://bit.ly/2m4AwGn', 'help-col-one-sms-text': 'SMS', 'branch-timing-section': {'text': '<section>\n<h2 class="heading">BRANCH TIMING</h2>\n\n<div class="branch-timings-wrap">\n<div class="branch-box">\n<div class="branch-bold-txt-wrap">India Timing :</div>\n\n<div class="branch-txt-wrap">Monday to Friday - 9:30 AM to 3:00 PM<br />\nSaturday - 9:30 AM to 1:00 PM</div>\n</div>\n\n<h3 class="sub-heading">Revised Timings for few branches for the below mentioned states :</h3>\n\n<table class="branch-table tableRevised">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td>1. Assam</td>\n\t\t\t<td>5. Nagaland</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>2. Maharastra</td>\n\t\t\t<td>6. Sikkim</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>3. Manipur</td>\n\t\t\t<td>7. Tripura</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>4. Meghalaya</td>\n\t\t\t<td>8. West Bengal</td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<div class="branch-btn-wrap"><a class="btn btn-default btn-red" download="Revised_Timing_List.pdf" href="/documents/apps/Revised_Timing_List.pdf" rel="noopener noreferrer" target="_blank">Download Revised Timing Branch List</a></div>\n<span class="disclaimer">Note: These are temporary changes and will be updated frequently.</span></div>\n</section>\n', 'label': 'branch timing section'}, 'nri-service-lhs-two': 'Call us', 'help-col-two-call-us-no': '1800-266-7227', 'call-us-content-one-text-upper': None, 'help-col-three-call-us-no': '1860 267 9999', 'whatsapp-etty-text-line-two': '+91 8291 890 569   ', 'help-col-two-bottom-button-text': 'Find Branch', 'branch-office-timing-three': 'Monday to Friday - 9:30 AM to 3:30 PM <br>Saturday - 9:30 AM to 1:00 PM <div class="branch-bold-txt-wrap">Akola Timing :</div><div class="branch-txt-wrap">Monday to Friday - 9:30 AM to 3:30 PM <br>Saturday - 9:30 AM to 1:00 PM</div><div class="branch-bold-txt-wrap">Yavatmal Timing :</div><div class="branch-txt-wrap"> Monday to Friday - 9:30 AM to 3:30 PM <br> Saturday - 9:30 AM to 1:00 PM </div><div class="branch-bold-txt-wrap">Pune Timing :</div><div class="branch-txt-wrap"> Monday to Friday - 9:30 AM to 2:00 PM <br> Saturday - 9:30 AM to 1:00 PM </div>', 'help-col-one-red-heading': 'BUY ONLINE', 'help-col-two-bottom-button-link': '/contact-us/branch-locator', 'branch-popup-header': 'BRANCH TIMING', 'small-box-email-text': 'Email', 'help-col-two-blue-heading': 'Contact Our', 'nri-service-phone': '+91-8916694100', 'locate-branch': {'text': 'locate branch', 'image_id': 'DeS0ce7oA3xEU7B', 'description': '', 'image_url': 'https://brandsite-static.hdfclife.com/media/image/find-branch.png', 'alt': '', 'link': ''}, 'small-box-sms-text': '', 'call-us-content-one-text': '(Local charges applicable)', 'helpbox-heading': 'HOW CAN WE HELP YOU', 'help-col-one-sms-value': 'SMS LIFE to 56161', 'call-us-content-two-text-upper': None, 'help-col-one-blue-heading': 'HELP TO', 'nri-service-text-two': 'MON TO SAT: 10 AM to 7 PM IST (LOCAL CHARGES APPLICABLE)', 'call-us-content-two': '022-68446530', 'help-col-three-blue-heading': 'Service For', 'icon_url': None, 'small-box-label': 'NRI Service', 'nri-service-lhs-one': 'Email', 'small-box-sms-value': 'LIFE to 56161', 'call-us-content-two-text': '(STD charges applicable)', 'branch-office-one': 'India except Mumbai, Amravati, Akola, Yavatmal and Pune Timing :', 'branch-timing-button-text': 'CHECK BRANCH TIMING', 'label': 'brandsite how can help - new - Z', 'help-col-one-email-text': 'Email', 'help-col-one-email-id': '[email protected]', 'missed-call-no': '1800-315-7373', 'branch-office-timing-one': 'Monday to Friday - 9:30 AM to 3:30 PM <br> Saturday - 9:30 AM to 1:00 PM', 'help-col-two-bottom-blue-heading': 'Locate A', 'help-col-one-call-timing': 'All days 9:00 AM to 9:00 PM IST', 'call-us-content-one': '1860-267-9999', 'help-col-two-red-heading': 'Relationship Manager', 'help-col-three-call-email-text': 'Email', 'help-col-two-call-us-text': 'Call Us', 'small-box-missed-call-text': 'Or Give a Missed Call on', 'branch-office-three': 'Amravati Timing :', 'missed-call-value-2': '(Applicable for Unit Linked Plans only),', 'help-col-three-call-timing': 'Available Mon-Sat 10 am to 7 pm IST. 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v2- Navigation'}, 'image_url': [], 'fields': {}}, 'o2zKkc2khS4RHyN': {'slug': 'category-breadcrumb', 'label': 'category breadcrumb Insurance as a Tax Saving Investment', 'id': 'CrnN8gecS4YUL5E', 'template_url': 'category-landing-theme-one/widgets/breadcrumb.tpl.html', 'type': 'data-text_list', 'data': {'alt': None, 'breadcrumbs': {'content': [{'text': 'Home', 'use_page': True, 'link': 'https://www.hdfclife.com/homepage', 'page_id': 631}, {'text': 'Insurance Knowledge Centre', 'use_page': True, 'link': 'https://www.hdfclife.com/insurance-knowledge-centre', 'page_id': 120}, {'text': 'Tax Saving By Insurance', 'link': 'https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance'}], 'label': 'breadcrumbs'}, 'icon_url': None, 'label': 'category breadcrumb Insurance as a Tax Saving Investment'}, 'fields': {'text-list': ['breadcrumbs']}}, 'NqArzyt3FNva8Zc': {'slug': 'footer-beware', 'label': 'footer beware - Z', 'id': 'EALG8N7C2Rsj0af', 'template_url': 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Public receiving such phone calls are requested to lodge a police complaint.</p>\n', 'label': 'description'}, 'label': 'footer beware - Z'}, 'fields': {'wysiwyg-editor': ['description'], 'textfield': ['header-text']}}, 'SN5e5YwxY2kvh9N': {'slug': 'footer-text', 'label': 'footer text - Z', 'id': 'qbOASBU8xynSNcu', 'template_url': 'common-widgets/footer_text.tpl.html', 'type': 'data-wysiwyg_editor', 'data': {'footer-text': {'text': '<p>Our vision is to provide innovative and customer-centric insurance plans that can help our customers secure their family's future as well as help them with other benefits such as tax savings. Keeping this in mind we offer a large range of life insurance plans such as <a href="/term-insurance-plans"> term insurance plan </a>, <a href="/women-insurance-plans"> women's plan </a>, <a href="/health-insurance-plans"> health insurance plans </a>, <a href="/retirement-and-pension-plans"> pension plans for retirement planning </a>, <a href="/children-insurance-plans"> child education plans </a>, <a href="https://www.hdfclife.com/ulip-plans"> ULIPs </a>, <a href="https://www.hdfclife.com/savings-plans"> Savings plans</a>. Most of these life insurance policies are available online, so buy one today and Sar Utha Ke Jiyo!.<br />\n<br />\nAs per regulatory changes, it is mandatory to submit PAN/Form 60 (if PAN is not available) for your policy with immediate effect. Please update via My <a href="mailto:Account/[email protected]">Account/[email protected]</a>/18602679999/HDFC Life branch. Ignore if already submitted.</p>\n\n<div class="more-content">\n<p><strong>HDFC Life Insurance Company Limited</strong>. CIN: L65110MH2000PLC128245, IRDAI Reg. No. 101.</p>\n\n<p><strong>Registered Office: </strong></p>\n\n<div itemscope="" itemtype="http://schema.org/LocalBusiness"><span itemprop="name">HDFC Life Insurance Company Limited, </span>\n\n<div itemprop="image" itemscope="" itemtype="http://schema.org/ImageObject" style="display:none"><img alt="" itemprop="url" src="//brandsite-images.hdfclife.com/static/assets/img/brandsite_home/hdfc-life-logo.png" width="250" /></div>\n\n<div itemprop="address" itemscope="" itemtype="http://schema.org/PostalAddress">\n<p><span itemprop="streetAddress">Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, </span> <span itemprop="addressLocality"> Mumbai </span> <span itemprop="postalCode"> 400 011. </span> Tel No: <span itemprop="telephone"> (022)67516666.</span></p>\n\n<p>The name/letters "HDFC" in the name/logo of the company belongs to Housing Development Finance Corporation Limited and is used by HDFC Life under a licence/agreement<br />\nFor more details on risk factors, associated terms and conditions and exclusions, please read the sales brochure carefully before concluding a sale. ARN: EC/06/2017/9792</p>\n</div>\n\n<div class="hidden-sm hidden-md hidden-lg"><a class="cta-read-more cta-red read-more"> Read more </a> <a class="cta-read-less cta-red read-less"> Read less </a></div>\n</div>\n</div>\n\n\n<div class="modal fade videoPopup" id="spopUp">\n<div class="modal-dialog">\n<div class="modal-content">\n<div class="modal-header">\n<h4 class="modal-title" id="videoPopupModal">THANK YOU FOR CONTACTING</h4>\n<a class="modal-close" data-dismiss="modal" href="#"><img alt="" src="/static/assets/img/fund_performance/popup-close-icon.png" /> </a></div>\n\n<div class="modal-body">\n<div class="successMsg">\n<p>Your request has been submitted successfully. 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Z'}, 'fields': {'text-list': ['links']}}, 'DniEhJUzQinUeMf': {'slug': 'category-landing-articles', 'label': 'category landing articles- Income Tax Returns', 'id': 'Nq3234uCBPWIhbC', 'template_url': 'kc-category-theme-one/widgets/article-list.tpl.html', 'type': 'article_list', 'data': {'bottom-button-text': 'LOAD MORE', 'bottom-button-link': None, 'icon_url': None, 'alt': None, 'header-text': 'Articles related to Income Tax Returns', 'content': [{'url': '/insurance-knowledge-centre/tax-saving-insurance/benefits-of-efiling-tax-returns', 'slug': 'benefits-of-efiling-tax-returns', 'image': {'banner': 'W5QsyTcttQjzpfW'}, 'id': 82, 'tags': ['Tax', 'Insurance Basics', 'Health', 'Retirement', 'Child', 'Investment'], 'blog_author': None, 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T1_3KFYAKd_tile.jpg', 'categories': ['insurance-knowledge-centre', 'tax-saving-insurance'], 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T1_3KFYAKd_thumb.jpg', 'title': 'Benefits of E-Filing Your Tax Returns', 'excerpt': 'Filing tax returns online, or e-filing as it is called, has many benefits for taxpayers.', 'tag_list': [{'text': 'Tax', 'link': '/insurance-knowledge-centre/tax-saving-insurance'}, {'text': 'Insurance Basics', 'link': '/insurance-knowledge-centre/about-life-insurance'}, {'text': 'Health', 'link': '/insurance-knowledge-centre/secure-your-health'}, {'text': 'Retirement', 'link': '/insurance-knowledge-centre/retirement-planning'}, {'text': 'Child', 'link': '/insurance-knowledge-centre/child-future-planning'}, {'text': 'Investment', 'link': '/insurance-knowledge-centre/investment-for-future-planning'}], 'category_url': '/insurance-knowledge-centre/tax-saving-insurance/', 'attributes': [{'type': 'textfield', 'data': {'slug': 'title', 'value': 'Advantages of Filing Your Income Tax Returns Online - 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Prompt processing</p>\n\n\t<p>The acknowledgment of <a href="https://www.hdfclife.com/insurance-knowledge-centre/income-tax-returns/income-tax-slab-2020-21" target="_blank">Income Tax Return (ITR)</a> is quick. More importantly, refunds, if any, are processed faster than paper-filed returns.</p>\n\t</li>\n\t<li>\n\t<p>2. Better accuracy</p>\n\n\t<p>E-filing software with built-in validations and electronic connectivity is seamless and minimizes errors considerably. Paper-filings can be prone to errors. Also, when any paper-based form is migrated to the electronic system, there is a possibility of human error in data entry.</p>\n\t</li>\n\t<li>\n\t<p>3. Convenience</p>\n\n\t<p>No time and place constraint in filing returns online. E-filing facility is available 24/7 and you can file anytime, anywhere at your convenience.</p>\n\t</li>\n\t<li>\n\t<p>4. Confidentiality</p>\n\n\t<p>Better security than paper filings since your data is not accessible to anyone either by design or by chance. With paper filings details of your income can fall in the wrong hands at your chartered accountant’s office or in the <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/Deduction-under-section-80C" target="_blank">Income Tax</a> Department’s office.</p>\n\t</li>\n\t<li>\n\t<p>5. Accessibility to past data</p>\n\n\t<p>You can easily access past data while filing returns. Most e-filing applications store data in a secure manner and allow for easy access at the time of filing subsequent returns.</p>\n\t</li>\n\t<li>\n\t<p>6. Proof of receipt</p>\n\n\t<p>You get prompt confirmation of filing, both at time of filing and subsequently, via email on your registered email id</p>\n\t</li>\n\t<li>\n\t<p>7. Ease of use</p>\n\n\t<p>E-filing is friendly and the detailed instructions make it easy even for individuals not very conversant with the internet</p>\n\t</li>\n\t<li>\n\t<p>8. Electronic banking</p>\n\n\t<p>Convenience of direct deposit for refund and direct debit for tax payments. You have the option to file now, pay later - decide what day to debit your bank account for tax payment, among other convenience features.</p>\n\t</li>\n</ul>\n\n<h3><strong>Similar Articles:</strong></h3>\n\n<ul>\n\t<li><a href="/insurance-knowledge-centre/latest-income-tax-slab-and-deductions" target="_blank" title="Income Tax Slabs">Income Tax Slabs for FY 2015 and AY 2016</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/tax-saving-investments-in-2015/" target="_blank" title="Best Tax Saving Plans">Best Tax Saving Options</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/financial-planning-basics/" target="_blank" title="Basics of Financial Planning">A Complete Guide to Financial Planning</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/direct-tax" target="_blank" title="Direct Taxes In India">Direct Tax</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/indirect-tax" target="_blank" title="Indirect Taxes In India">Indirect Tax</a></li>\n\t<li><a href="/retirement-and-pension-plans/single-premium-pension-super-plan" target="_blank" title="Single Premium Policy by HDFC Life">One Time Investment Plans</a></li>\n</ul>\n\n<p> </p>\n\n<p> </p>\n</div>\n</div>\n</div>\n</article>\n</div>\n</div>', 'view_count': 4355, 'banner_image': {'url': 'https://brandsite-static.hdfclife.com/media/image/RS-T1_3KFYAKd.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T1_3KFYAKd_thumb.jpg', 'id': 'W5QsyTcttQjzpfW', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T1_3KFYAKd_tile.jpg', 'alt': {'en': 'Tax Planning Tips'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T1_3KFYAKd.jpg'}, 'publish_at': '2016-11-07T06:15:00Z'}, {'url': '/insurance-knowledge-centre/tax-saving-insurance/how-to-file-income-tax-returns-online', 'slug': 'how-to-file-income-tax-returns-online', 'image': {'banner': 'jLnk9IjNhXb2Mjw'}, 'id': 85, 'tags': ['Tax', 'Insurance Basics', 'Health', 'Retirement', 'Child', 'Investment'], 'blog_author': None, 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_tile.jpg', 'categories': ['insurance-knowledge-centre', 'tax-saving-insurance'], 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_thumb.jpg', 'title': 'How to File Income Tax Return (ITR) Online', 'excerpt': 'Filing income tax returns is no longer the hassle it used to be. 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Gone are the long queues and endless anxiety of making the tax-filing deadline<script>\n !function (d, s, id) { var js, fjs = d.getElementsByTagName(s)[0], p = /^http:/.test(d.location) ? \'http\' : \'https\'; if (!d.getElementById(id)) { js = d.createElement(s); js.id = id; js.src = p + \'://platform.twitter.com/widgets.js\'; fjs.parentNode.insertBefore(js, fjs); } }(document,\n \'script\', \'twitter-wjs\');\n </script></p>\n</div>\n\n<div class="float-left" id="mymain">\n<div class="inner-plans-wrp generic ">\n<p>With online filing,also called e-filing, it is convenient to file returns from the confines of your home/office and at very short notice.</p>\n\n<p>Mentioned below are the broad steps to file your<a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/latest-income-tax-slab-and-deductions-fy-2017-18" target="_blank"> </a>income tax  returns online:</p>\n\n<table align="Center" border="1" width="100%">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td><strong>Sr No.</strong></td>\n\t\t\t<td><strong>Step</strong></td>\n\t\t\t<td><strong>Guide To File ITR Online</strong></td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Step 1</td>\n\t\t\t<td>\n\t\t\t<p>Log on to the portal</p>\n\t\t\t</td>\n\t\t\t<td>Log on to the Income Tax Department portal (<a href="http://www.incometaxindiaefiling.gov.in/home">www.incometaxindiaefiling.gov.in</a>) for filing returns online. Register using your Permanent Account Number (PAN), which will serve as the user ID.</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Step 2</td>\n\t\t\t<td>\n\t\t\t<p>Download appropriate ITR form</p>\n\t\t\t</td>\n\t\t\t<td>Under 'Download', go to e-filing under the relevant assessment year and select the appropriate Income Tax Return (ITR) form. Download ITR-1's (Sahaj) return preparation software if you are a salaried individual.</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Step 3</td>\n\t\t\t<td>\n\t\t\t<p>Enter details in Form 16</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Open the Return Preparation Software (excel utility) that you have downloaded, follow the instructions and enter all details from your Form 16.</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Step 4</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Compute all relevant tax details</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Compute tax payable, pay tax and enter relevant <a href="https://www.hdfclife.com/insurance-knowledge-centre/tax-saving-insurance/enquiry-for-tds-challan-status">challan details</a> in the tax return. If you do not have a tax liability, you can skip this step.</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Step 5</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Confirm the above details</p>\n\t\t\t</td>\n\t\t\t<td>Confirm the details entered by you and generate an XML file, which is automatically saved on your computer.</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Step 6</td>\n\t\t\t<td>\n\t\t\t<p>Submit return</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Go the ‘Submit Return’ section and upload the XML file.</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Step 7</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Digital signature</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>You can digitally sign the file on being prompted. If you do not have a digital signature, you can skip this step</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>\n\t\t\t<p>Step 8</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>Confirmation from ITR verification</p>\n\t\t\t</td>\n\t\t\t<td>\n\t\t\t<p>A message confirming successful e-filing is flashed on your screen. The acknowledgement form – ITR-Verification is generated and the same can be downloaded. It is also emailed to your registered email id.</p>\n\t\t\t</td>\n\t\t</tr>\n\t\t<tr>\n\t\t\t<td>Step 9</td>\n\t\t\t<td>E-verify Return</td>\n\t\t\t<td>You can e-verify the return through any one of the below six modes: 1) Netbanking, 2) Bank ATM, 3) Aadhaar OTP, 4) Bank Account Number, 5) Demat Account Number, 6) Registered Mobile Number & E-mail id. E-verification eliminates the need to send a physical copy of the ITR-5 acknowledgement to CPC, Bengaluru<br />\n\t\t\t </td>\n\t\t</tr>\n\t</tbody>\n</table>\n\n<h2 align="justify"><strong>How to Download Income Tax Return?</strong></h2>\n\n<p>It is important to how to file ITR on time, to avoid last minute stress and penalties. Once you have filed your ITR, the income tax verification form is generated by the IT department so that taxpayers can verify the validity and legitimacy of e-filing. These are applicable only if you have filed your returns without a digital signature.</p>\n\n<p>The income tax return verification form can be downloaded in easy steps.</p>\n\n<p>1.) Log in to the Income Tax India website <a href="https://portal.incometaxindiaefiling.gov.in/e-Filing/UserLogin/LoginHome.html?lang=eng" target="_blank">https://portal.incometaxindiaefiling.gov.in/e-Filing/UserLogin/LoginHome.html?lang=eng</a></p>\n\n<p>2.) View e-filed tax returns by clicking on 'View Returns/ Forms' option</p>\n\n<p><u><strong>Select option Income tax returns</strong></u></p>\n\n<p>Details of all the years for which returns are filed will be displayed</p>\n\n<p>1.) Click on the acknowledgement numberto download the ITR-V.</p>\n\n<p>2.) Begin the download by selecting 'ITR-V Acknowledgment'</p>\n\n<p>3.) To open the downloaded document, enter your password to open the document. The password is your PAN number in lower letters along with your birthdate.</p>\n\n<p><u><strong>For example-</strong></u></p>\n\n<p>PAN - ASIJP2345P</p>\n\n<p>Birthdate - 31/12/1980</p>\n\n<p>Password - asijp2345p31121980</p>\n\n<ul>\n\t<li>You need to send the printed and signed document to CPC Bangalore within 120 days of the e-filing.There is also an option of E verification of Income tax return by generating aadhar otp, through net banking, through ATM etc.</li>\n</ul>\n\n<h2 align="justify"><strong>Documents required to fill ITR</strong></h2>\n\n<p> It is important to have all the relevant documents handy before you start your e-filing process.</p>\n\n<ul>\n\t<li> Bank and post office savings account passbook, PPF account passbook</li>\n\t<li> Salary slips</li>\n\t<li> Aadhar Card, PAN card</li>\n\t<li> <u><strong>Form-16 </strong></u>-  TDS certificate issued to you by your employer to provide details of the salary paid to you and TDS deducted on it, if any</li>\n</ul>\n\n<p> Interest certificates from banks and post office</p>\n\n<ul>\n\t<li> <u><strong>Form-16A</strong></u>, if TDS is deducted on payments other than salaries such as interest received from fixed deposits, recurring deposits etc. over the specified limits as per the current tax laws</li>\n\t<li> <u><strong>Form-16B</strong></u>  from the buyer if you  have sold a property, showing the TDS deducted on the amount paid to you</li>\n\t<li> <u><strong>Form-16C  </strong></u>from your tenant, for providing the details of TDS deducted on the rent received by you, if any</li>\n\t<li><strong> </strong><u><strong>Form 26AS</strong></u> - your consolidated annual tax statement. It has all the information about the taxes deposited against your PAN</li>\n\t<li>a) TDS deducted by your employer</li>\n\t<li>b) TDS deducted by banks</li>\n\t<li>c) TDS deducted by any other organisations from payments made to you</li>\n\t<li>d) Advance taxes deposited by you</li>\n\t<li>e) Self-assessment taxes paid by you</li>\n\t<li> Tax saving investment proofs</li>\n\t<li> Proofs to claim deductions under section 80D to 80U (health insurance premium for self and family, interest on education loan)</li>\n\t<li> Home loan statement from bank</li>\n</ul>\n\n<h2 align="justify"><strong>How to check ITR status online?</strong></h2>\n\n<p>Once you have filed your income tax returns and verified it, the status of your tax return is 'Verified'. After the processing is complete, the status becomes 'ITR Processed'.</p>\n\n<p>If you wish to know which stage your tax return is after filing it and want to check your ITR status online, here’s how you can do it in easy steps.</p>\n\n<p><u><strong>Option One</strong></u></p>\n\n<p><strong><em>Without login credentials</em></strong></p>\n\n<p>You can click on the ITR status tab on the extreme left of the e-filing website.</p>\n\n<p>You are then directed to a new page where you have to fill in your PAN number, ITR acknowledgement number and the captcha code.</p>\n\n<p>Once this is done, the status of your filing will be displayed on the screen.</p>\n\n<p><u><strong>Option Two</strong></u></p>\n\n<p><strong><em>With login credentials</em></strong></p>\n\n<p>Login to the e-filing website.</p>\n\n<p>Click on the option 'View Returns/Forms'</p>\n\n<p>From the dropdown menu, select income tax returns and assessment year</p>\n\n<p>Once this is done, the status of your filing (whether only verified or processed) will be displayed on the screen.</p>\n\n<p align="justify">Keeping the Income Tax Department informed about your income and taxability will keep you on the right side of the law and prevent any blocks in your financial competency. Now that you know whether or not you compulsorily have to file your ITR, you need to ensure that you complete the process before the deadline every year.</p>\n\n<h3><strong>Similar Articles:</strong></h3>\n\n<ul>\n\t<li><a href="/insurance-knowledge-centre/latest-income-tax-slab-and-deductions" target="_blank" title="Income Tax Slabs">Income Tax Slabs for FY 2015 and AY 2016</a></li>\n\t<li><a href="/insurance-knowledge-centre/investment-for-future-planning/how-to-save-income-tax-by-insurance" target="_blank" title="Insurance as a Tax Saving Investment">How to Save Tax with Insurance</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/tax-saving-investments-in-2015/" target="_blank" title="Best Tax Saving Plans">Best Tax Saving Options</a></li>\n\t<li><a href="/insurance-knowledge-centre/tax-saving-insurance/Tax-Structure-in-India" target="_blank" title="Tax System In India">Tax Structure In India</a></li>\n</ul>\n\n<p> </p>\n\n<p> </p>\n\n<p> </p>\n</div>\n</div>\n</div>\n\n<p class="Separator"> </p>\n</article>\n</div>\n</div>', 'view_count': 63750, 'banner_image': {'url': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ.jpg', 'thumbnail_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_thumb.jpg', 'id': 'jLnk9IjNhXb2Mjw', 'tile_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ_tile.jpg', 'alt': {'en': 'Financial Planning Tips'}, 'banner_image': 'https://brandsite-static.hdfclife.com/media/image/RS-T2_ctrRhMZ.jpg'}, 'publish_at': '2016-11-07T06:39:02Z'}], 'label': 'category landing articles- Income Tax Returns'}, 'fields': {'textfield': ['header-text', 'bottom-button-text', 'bottom-button-link']}}, '8Jz5TfNZ4X7ft3x': {'slug': 'category-calculators', 'label': 'category calculators_Tax_KC', 'id': 'O07eEO1uZm53sA0', 'template_url': 'kc-details-theme-one/widgets/sidebar-calculators.tpl.html', 'type': 'calculator_list', 'data': {'header text': 'Calculators', 'label': 'category calculators_Tax_KC', 'description': 'Use our range of Interactive tools and calculators to plan for your financial goals.', 'button-text': 'VIEW ALL CALCULATORS', 'button-link': '/financial-tools-calculators', 'content': [{'slug': 'category-landing-calculator', 'label': 'BMI calculator', 'id': 'Ts4H14gBon4ky6F', 'template_url': 'kc-details-theme-one/widgets/category_landing_calculator.tpl.html', 'type': 'html/js-calculator', 'data': {'calculator-link': '/financial-tools-calculators/bmi-calculator', 'alt': '', 'icon_url': 'https://brandsite-static.hdfclife.com/media/image/BMI_color.jpg', 'label': 'BMI calculator'}, 'fields': {'textfield': ['calculator-link']}}, {'slug': 'category-landing-calculator', 'label': 'Human Life Value Calculator', 'id': 'GMYfD6jnhCDV8lE', 'template_url': 'kc-details-theme-one/widgets/category_landing_calculator.tpl.html', 'type': 'html/js-calculator', 'data': {'calculator-link': '/financial-tools-calculators/human-life-value-calculator', 'alt': '', 'icon_url': 'https://brandsite-static.hdfclife.com/media/image/HLV_color.jpg', 'label': 'Human Life Value Calculator'}, 'fields': {'textfield': ['calculator-link']}}, {'slug': 'category-landing-calculator', 'label': 'Retirement Planner Calculator', 'id': 'AdyRYuvx7fZZ8Pc', 'template_url': 'kc-details-theme-one/widgets/category_landing_calculator.tpl.html', 'type': 'html/js-calculator', 'data': {'calculator-link': '/financial-tools-calculators/retirement-planning-calculator', 'alt': '', 'icon_url': 'https://brandsite-static.hdfclife.com/media/image/retirement-planner-hover.png', 'label': 'Retirement Planner Calculator'}, 'fields': {'textfield': ['calculator-link']}}, {'slug': 'category-landing-calculator', 'label': 'Child Education Calculator', 'id': 'AFzOdYV8SQVUzbx', 'template_url': 'kc-details-theme-one/widgets/category_landing_calculator.tpl.html', 'type': 'html/js-calculator', 'data': {'calculator-link': '/financial-tools-calculators/child-education-expense-planning-calculator', 'alt': '', 'icon_url': 'https://brandsite-static.hdfclife.com/media/image/Child_education_color.jpg', 'label': 'Child Education Calculator'}, 'fields': {'textfield': ['calculator-link']}}], 'alt': None, 'icon_url': None}, 'fields': {'textfield': ['header text', 'description', 'button-link', 'button-text']}}, 'k6NVSGBjDbNPdep': {'slug': 'brandsite-header', 'type_of_link': '', 'label': 'brandsite header - 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'resume-application-link': 'https://onlineinsurance.hdfclife.com/portal.do?_pageid=ops_resappPage&_portalid=ops_resumeApp&agentcode=00399206', 'alt': '', 'buy-policy-text': 'To buy a policy'}, 'image_url': [], 'fields': {}}, 'QmskTXx5FJplxwG': {'slug': 'brandsite-get-app-link', 'label': 'brandsite get app link - new - Z', 'id': 'V5I0EXN90PbL0HB', 'template_url': 'brandsite-home-theme-one/widgets/mobile_app.tpl.html', 'type': 'data-image_list', 'data': {'label': 'brandsite get app link - new - Z', 'get-app-link-footer': 'I hereby consent to receive policy related communication from HDFC Life or its authorized representatives via Call, SMS, Email & Voice over Internet Protocol (VoIP) including WhatsApp. and agree to waive my registration on NCPR (National Customer Preference Registry) in this regard.', 'icon_url': None, 'image-mobile-support': {'content': [{'bannerText': 'sample 1', 'text': 'sample 1', 'image_id': '4YiDsXhrjvtuEfY', 'description': '', 'image_url': 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