*Here are some other avenues where you can save tax (other than Section 80C) :*

*80D Deduction in respect of hea th insurance premium (upto !s "0000)*

Deduction upto *!s #$000* is a owed for any medica insurance premium paid for yourse f% spouse% dependent chi dren% parents& 'f any of parents is senior citi(en% then deduction upto !s "0000 is a owed& ) ease note that payment has to *e made *y any *mode other than cash* i&e& *y che+ue% credit card% de*it card etc&

*80DD Deduction in respect of maintenance inc udin, medica treatment of a dependant who is a person with disa*i ity& (upto !s # a-h)*

Deduction of *!s $0000* is a owed a,ainst any expenditure for the medica treatment (inc udin, nursin,)% trainin, and reha*i itation of a dependant% *ein, a person with disa*i ity or any amount paid or deposited scheme framed in this *eha f *y the 'nsurance Company& .he deduction wi increase t*o !s # a-h%* where such dependant is a person with severe disa*i ity& .his deduction is a owed for yourse f% spouse% chi dren% parents% *rothers and sisters& Disa*i ity: / person with disa*i ity means a person sufferin, from not ess than 001 of any of the *e ow disa*i ities&

* 2 indness * 3ow vision * 3eprosy4cured * Hearin, impairment * 3ocomotor disa*i ity * 5enta retardation

* 5enta i ness * /utism * Cere*ra pa sy * 5u tip e disa*i ities Severe disa*i ity means 801 or more of one or more of the a*ove disa*i ities&

*80DD2 Deduction in respect of medica treatment% (upto !s 60000)*

.he actua expenditure incurred on treatment of specified disease such as /'DS% cancer% neuro o,ica diseases% etc&% is deducta* e to the extent of 00%000 or the actua expense whichever is ower& .he imit is increased to 60%000 in case of expense incurred for a senior citi(en& .his deduction is a owed for individua % the spouse% chi dren% parents% *rothers and sisters& /s per !u e ##DD 7or the purposes of section 80DD2% the fo owin, sha *e the e i,i* e diseases or ai ments : (i) 8euro o,ica Diseases where the disa*i ity eve has *een certified to *e of 001 and a*ove%9 * Dementia: * Dystonia 5uscu orum Deformans: * 5otor 8euron Disease : * /taxia : * Chorea : * Hemi*a ismus : * /phasia : * )ar-insons Disease :

(ii) 5a i,nant Cancers : (iii) 7u 2 own /c+uired 'mmuno4Deficiency Syndrome (/'DS) : (iv) Chronic !ena fai ure : (v) Hemato o,ica disorders : * Hemophi ia : * ha assaemia& *80; Deduction in respect of interest on oan ta-en for hi,her education&*

'nterest paid on an education oan ta-en for hi,her studies or vocationa curses +ua ifies for deduction under Section 80; of the '4. /ct& .he deduction is a so avai a* e where the oan is ta-en for the purpose of hi,her education of spouse or chi dren of the individua or the student for whom the individua is a e,a ,uardian

.he oan shou d *e ta-en from any financia institution or any approved charita* e institution for the purpose of hi,her education& *3oan from fami y mem*ers < re atives are not e i,i* e for deduction&*

.he deduction *enefit on interest is a owed for maximum ei,ht years% or ti the interest is fu y paid&

*80= Deduction in respect of donations to certain funds% charita* e institutions% etc&*

Deduction is a so avai a* e for donations made to certain funds% charita* e institutions etc& >ou can ,et $01 or #001 deduction dependin, on the charita* e institution you choose& 7or instance% money ,iven to certain funds i-e the 8ationa Defence 7und% the )rime 5inister?s 8ationa !e ief 7und and the Chief 5inister?s !e ief 7und en@oy #001 deduction& An the other hand% 8=As such as He pa,e 'ndia% C!> etc ,ive you on y $01 deduction&

*So% it?s a ,ood idea to find out how much deduction is avai a* e *efore you donate&*

/ thou,h% there is no cei in, on the amount that can *e c aimed as deduction% in some cases the tota deduction is imited to #01 of the ,ross tota income of the donor& .he fo owin, su*4section ($D) sha *e inserted after su*4section ($C) of section 80= *y the 7inance /ct% "0#"% w&e&f& #404"0#B: ($D) *8o deduction sha *e a owed under this section in respect of donation of any sum exceedin, ten thousand rupees un ess such sum is paid *y any mode other than cash&*

*80== Deductions in respect of rents paid * >ou can c aim a d*eduction for rent paid to the extent of "%000 per month* even if you don?t receive H!/ from your emp oyer or you are se f4emp oyed& .his deduction% avai a* e under Section 80==% is su*@ect to some conditions&

Deduction to the extent of !s "%000 per month or "$ per cent of tota income (whichever is ess) is avai a* e under Section 80== of the '4. /ct *'nterest paid on a second home oan is fu y deducti* e* 5ost peop e -now that a deduction of up to !s #&$ a-h a year for the interest paid on home oan can *e c aimed&

/ so% if the taxpayer *uys a second house throu,h another home oan and ,ives it on rent% the *entire interest paid on this second home oan durin, a ,iven year can *e c aimed as deduction*& 'f you have more than one house% any one is deemed to *e rented out& So the interest income on the home oan for that house can *e c aimed entire y for deduction% provided the renta income or deemed income is taxa* e&

*How to C aim these deductions*

'f you have incurred any of the expenses a*ove% *you shou d c aim deduction whi e fi in, your income tax return&*

8ow4a4days% you cannot attach receipts of donations% expenses: investments etc *ut -eep these in your safe records in case they are ater as-ed *y 'ncome tax department&

7or previous year% *you can revise your return&* !evised return can *e fi ed for any previous year at any time *efore the expiry of # year from the end of the re evant assessment year or *efore comp etion of the assessment whichever is ear ier&