New Tax Calculator-2008-09CALCULATION OF INCOME TAXD.O.B9/27/83Auto Tax Calculator by B.P.Choudhary (Tax Consultant)COMPUTATION OF INCOME TAX forD.O.Bfor theFinancial Yr 2008-09/ Assessment yr 2009-10SEXMVersion 3.1 for Financial year 2008- 09for theFinancial Yr 2008-09 Assessment yr 2009-10SEX -MPAN-N0ABCDE1234A0PAN-NOABCDE1234A1. Gross Annual Income/Salary(include all allowances)343968343968P L E A S E F O L L O W T H E S E I N S T R U C T I O N S1. Gross Annual Income/Salary(include all allowances)3439682. Less: Allowances exempt u/s 10(for Service Period)-1032961. This Calculator will be used to compute the Tax for salaried individuals only.2. Less: Allowances exempt u/s 10(I) H.R.A. exemption699962. You can Calculate your Income Tax in Calculation Sheet & print the Computation Sheet to use with your return filing.(I) H.R.A. exemption69996City of ResidenceM3. Enter the amount in White cells. Other cells in Calculation & Computation Sheets will calculate data automatically.(II) Conveyance allowances(Max Rs.800/-p.m)800Basic Salary (Basic+DA)140004700024. Enter your Name,Sex (M / F only) and PAN No in 1-3 yellow-coloured cells.(iii) Any Other Exempted Receipts/ allowances (specify)----32500-103296Rent Paid8400069999.65. Enter the Annually amount in B 4-55 White-colored cells.3. Income under the head salaries240672H.R.A received69996699966. Do not leave any yellow cell blank. This may lead to incorrect calculation. Instead, enter 04. Add: Any other income from other sources(II) Conveyance allowances(Max Rs.800/-p.m)8008007. Follow the Tax Rules & Instructions(where applicable)1. Interest received from following Investments(iii) Any Other Exempted Receipts/ allowances (specify)----32500325008. HRA Exemption = Least of (40% (50% for metros) of Basic+DA or HRA Receive or Rent paid (-)10% of Basic)a. Bank ( Saving /FD /Rec )0(iv) Professional Tax009. Some Other Exempted Receipts/allowances are ( For Detail follow the Information & Rules).b. N.S.C.(accrued/ Recd )03. Income under the head salaries2406721. Medicall Reimbersement (Max Rs.15000/- Per annum) 2. L.T.A (as per Rule) 3. Leave Encashment/Leave Salaryc. Post Ofice M.I.S (6 yrs.)04. Add: Any other income from other sources004. Vehicle Maintinance allowance 5. Entertaintment allowance 6. Academic Allowance 7. Uniform Allowancesd. Post Office Recring Deposit (5 yrs.)01. Interest received from following Investments8. Children Education Allowance (Rs.100 P.M.per Child/(Rs.300 for Hostel Expenditure) Max of 2 Children)e. Term Deposit (1 to 5 yrs.)0a. Bank ( Saving /FD /Rec )09. Newspaper Allowance etc.f. Saving Bonds (6yrs.)0b. N.S.C.(accrued/ Recd )010. Interest earned from all sources is to be included. All interest income is fully taxableg. Kishan Vikas patra0c. Post Ofice M.I.S (6 yrs.)011. Some Exempted Income are2. Any Other Income (specify)---0d. Post Office Recring Deposit (5 yrs.)01. Withdrawl/Maturity received from PF,PPF,Insurance Co.3. Any Other Income (specify)---00e. Term Deposit (1 to 5 yrs.)02 Long Term Capital Gain5. Income from house property0f. Saving Bonds (6yrs.)03 Dividend on shares in companiesLess: Interest paid on housing loan(max150,000)00g. Kishan Vikas patra04. Interest on Post Office & PPF A/C6. Gross Total Income2406722. Any Other Income (specify)---012. S.N-4(2),(3) Mention Any other income that does not fall under the above heads of income7. Less: Deduction under Sec 80C3. Any Other Income (specify)---013. Computation of Income from house propertya. PF&VPF Contribution05. Income from house property01. For Let-out Property 2 .For Self Ocupied Propertyb. Life Insurance premiums48000Less: Interest paid on housing loan(max150,000)000Annuall Value Annuall Value-NILc. PPF a/c Contribution06. Gross Total Income240672Less-Municipal Taxes Less-Interest on Money borrowedd. N.S.C (Investment +accrued Int first five year)07. Less: Deduction under Sec 80C (Max Rs.1,00,000/-)48000-48000Net Annual Value Net Income(Loss) from Propertye. Housing. Loan (Principal Repayment )0a. PF&VPF Contribution0Less-Repair & Collection Charges(30% of Net Annuall Value)f. Tuition fees for 2 children0b. Life Insurance premiums48000Income from house propertyg. E.L.S.S(Mutual Fund)0c. PPF a/c Contribution0Less-Interest on Housing Loanh. Tax Savings Bonds0d. N.S.C (Investment +accrued Int first five year)0Net Income from propertyI. FD (5 Years and above)0e. Housing. Loan (Principal Repayment )0TAX RATES FOR ( F-YR 2008-09) ASSESSMENT OF MALE ASSESSE FOR YEAR 2009-2010j. 80 ccc Pension Plan0-48000f. Tuition fees for 2 children0Net Income Range Income Tax Rates8. Less: Deduction under chapter VI Ag. E.L.S.S(Mutual Fund)0Upto Rs. 1,50,000 NILb. 80 D Medical Insurance premiums2000-2000h. Tax Savings Bonds0Rs.1,50,000 to Rs.3,00,000 10% of Total Income(-)Rs.1,50,000c. 80 E Int Paid on Education Loan0I. FD (5 Years and above)0Rs.3,00,000 to Rs.5,00,000 Rs. 15,000+20% of Total Income(-)Rs.3,00,000d. 80G Donation to approved fund0j. 80 ccc Pension Plan0Rs.5.00,000 to Rs 10,00,000 Rs. 55,000+30% of Total Income(-)Rs.5,00,000f. Any other (Specify)---0-20008. Less: Deduction under chapter VI A2000-2000Above Rs.10,00,000 Rs.2,05,000+30% of total Income(-)10,00,0009. Total Income190672b. 80 D Medical Insurance premiums (for Self )20002000TAX RATES FOR ( F-YR 2008-09) ASSESSMENT OF FEMALE ASSESSE FOR YEAR 2009-201010. Total Taxable Income (Round off to nearest 10 rupees)190670C. 80 D Medical Insurance premiums (for Parents)00Net Income Range Income Tax Rates11. Tax on Total Income4067d. 80 E Int Paid on Education Loan0Upto Rs. 1,80,000 NIL12. Surcharge on Total Taxable Income0e. 80G Donation to approved fund0Rs.1,80,000 to Rs.3,00,000 10% of Total Income(-) Rs.1,80,00013. Total Tax Payable4067f. Any other (Specify)---0Rs.3,00,000 to Rs.5,00,000 Rs.12,000+20% of Total Income(-)Rs.3,00,00014. Add; Edn Cess @ 3%1229. Total Income190672Rs.5.00,000 to Rs 10,00,000 Rs. 52,000+30% of Total Income(-)Rs.5,00,00015. Net Tax Payable418910. Total Taxable Income (Round off to nearest 10 rupees)190670Above Rs.10,00,000 Rs.2,02,000+30% of total Income-10,00,00016. Tax Deduction at Source011. Tax on Total Income4067Surcharge is10% of Income Tax if net income is more than Rs.10,00,000 (Also consider marginal relief)17. Balance Tax Payable/RefundablePayable418912. Surcharge on Total Taxable Income0Education Cess is 3% of income tax from all Assesse.13. Total Tax Payable406714. Add; Edn Cess @ 3%12215. Net Tax Payable418916. Tax Deduction at Source0017. Balance Tax Payable/RefundablePayable418950% 0F Basic Salary7000250% 0F Basic Salary40% 0f Basic Salary56001.640% 0f Basic Salary0406701067Union Budget 2008 Main Highlights for Individual Tax Payer.! Threshold limit of exemption from personal income tax in the case of all assesses increased to Rs.150,000.The slabs and rates of tax are :Up to Rs.150,000 NILRs.1,50,001 to Rs.3,00,000 10 per centRs.3,00,001 to Rs.5,00,000 20 per centRs.5,00,001 & Above 30 per centIn case of a woman assessee, the threshold limit increased from Rs.145,000 to Rs. 1,80,000for a senior citizens, the threshold limit increased from Rs.195,000 to Rs.225,000.! No change in the rate of Cess & surcharge.! Senior Citizen Saving Scheme 2004 and the Post Office Time Deposit Account added to the basket ofsaving instruments under Section 80C of the Income Tax Act.! Additional deduction of Rs.15,000 allowed under Section 80D to an individual paying medical insurancePremium for his/her parent or parents.! Income Tax Act to be amended to provide that reverse mortgage would not amount to "transfer"; and the stream of revenue received by the senior citizen would not be "income".! Rate of tax on short term capital gains under Section 111A & Section 115AD increased to 15 per cent.

Write DATE OF BIRTHWrite M for Male or F for FemaleWrite your Full NAME with FATHER'S NAMEWrite your PAN NOFor HRA exemption(1) If you are receiving H.R.A & paying rent and showing rent receipts. Enter informations in cells No B7- B10. Otherwise leave blank. (ii) If you are not receiving H.R.A & Paying rent. Claim deduction u/s 80GG. Follow informations & enter amount in Cell No A 45Least of (40% (50% for metros) of Basic+DA or HRA Receive or Rent paid (-)10% of Basic)Write M for Metro NM for Non Metro(40% for Non Metro (50% for metros) of Basic+DARent paid (-)10% of Basic)ENTER YOUR GROSS INCOME OR(=Whole Income Received * Duration of Service Period & Press Enter)Monthly Basic X 12 or enter( = Basic received * Duration of Service & Press Enter)Monthly Rent X 12 orEnter (=Actuall rent paid * Time & Press enter)Monthly HRA Received X 12/Time or Enter (=HRA Received * Duration & Press enterEnter (=Convayance Allowance Received * Duration & Press Enter)Paid or to be Paid (after 1st Apr 2007 & on or Before 31 March 2008. by LIC or any other Pvt Insurance CO. )Premium Paid for Mediclaim Policy from General Insurance & Criticall Illness Cover from Life Insurance for Self,Spouce,Children.Premium Paid for Mediclaim Policy from General Insurance & Criticall Illness Cover from Life Insurance for ParentsOnly Tution Fee for Full time EducationSelf PF & VPF Contributionenter(=Monthly PF/VPF* Duration & Click enter)(for Self occupied Residence)MAX Deduction is Rs.1,50,000/-There is no limit if the house is rented out & There will be Separate Calculation for Income from house property.

Auto Tax Caculator 2007-08CALCULATION OF INCOME TAXDate Of BirthAuto Tax Calculator by B.P.Choudhary (Tax Consultant)COMPUTATION OF INCOME TAX forDate Of Birthfor theFinancial Yr 2007-08/ Assessment yr 2008-09SEXMVersion 2.1 for Financial year 2007- 08for theFinancial Yr 2007-08 Assessment yr 2008-09SEX -MPAN-N00PAN-NO01. Gross Annual Income/Salary(include all allowances)00P L E A S E F O L L O W T H E S E I N S T R U C T I O N S1. Gross Annual Income/Salary(include all allowances)02. Less: Allowances exempt u/s 10(for Service Period)01. This Calculator will be used to compute the Tax for salaried individuals only.2. Less: Allowances exempt u/s 10(I) H.R.A. exemption02. You can Calculate your Income Tax in Calculation Sheet & print the Computation Sheet to use with your return filing.(I) H.R.A. exemption0City of ResidenceNM3. Enter the amount in White cells. Other cells in Calculation & Computation Sheets will calculate data automatically.(II) Conveyance allowances(Max Rs.800/-p.m)0Basic Salary (Basic+DA)004. Enter your Name,Sex (M / F only) and PAN No in 1-3 yellow-coloured cells.(iii) Any Other Exempted Receipts/allowances (specify)----00Rent Paid005. Enter the Annually amount in B4-52 Light yellow-colored cells.3. Income under the head salaries0H.R.A received006. Do not leave any yellow cell blank. This may lead to incorrect calculation. Instead, enter 04. Add: Any other income from other sources(II) Conveyance allowances(Max Rs.800/-p.m)007. Follow the Tax Rules & Instructions(where applicable)1. Interest received from following Investments(iii) Any Other Exempted Receipts/allowances (specify)----008. HRA Exemption = Least of (40% (50% for metros) of Basic+DA or HRA Receive or Rent paid (-)10% of Basic)a. Bank ( Saving /FD /Rec )0(iv) Professional Tax009. Some Other Exempted Receipts/allowances are ( For Detail follow the Information & Rules).b. N.S.C.(accrued/ Recd )03. Income under the head salaries01. Medicall Reimbersement (Max Rs.15000/- Per annum) 2. L.T.A (as per Rule) 3. Leave Encashment/Leave Salaryc. Post Ofice M.I.S (6 yrs.)04. Add: Any other income from other sources004. Vehicle Maintinance allowance 5. Entertaintment allowance 6. Academic Allowance 7. Uniform Allowancesd. Post Office Recring Deposit (5 yrs.)01. Interest received from following Investments8. Children Education Allowance (Rs.100 P.M.per Child/(Rs.300 for Hostel Expenditure) Max of 2 Children)e. Term Deposit (1 to 5 yrs.)0a. Bank ( Saving /FD /Rec )09. Newspaper Allowance etc.f. Saving Bonds (6yrs.)0b. N.S.C.(accrued/ Recd )010. Interest earned from all sources is to be included. All interest income is fully taxableg. Kishan Vikas patra0c. Post Ofice M.I.S (6 yrs.)011. Some Exempted Income are2. Any Other Income (specify)---0d. Post Office Recring Deposit (5 yrs.)01. Withdrawl/Maturity received from PF,PPF,Insurance Co.3. Any Other Income (specify)---00e. Term Deposit (1 to 5 yrs.)02 Long Term Capital Gain5. Income from house property0f. Saving Bonds (6yrs.)03 Dividend on shares in companiesLess: Interest paid on housing loan(max150,000)00g. Kishan Vikas patra04. Interest on Post Office & PPF A/C6. Gross Total Income02. Any Other Income (specify)---012. S.N-4(2),(3) Mention Any other income that does not fall under the above heads of income7. Less: Deduction under Sec 80C3. Any Other Income (specify)---013. Computation of Income from house propertya. PF&VPF Contribution05. Income from house property01. For Let-out Property 2 .For Self Ocupied Propertyb. Life Insurance premiums0Less: Interest paid on housing loan(max150,000)000Annuall Value Annuall Value-NILc. PPF a/c Contribution06. Gross Total Income0Less-Municipal Taxes Less-Interest on Money borrowedd. N.S.C (Investment +accrued Int first five year)07. Less: Deduction under Sec 80C (Max Rs.1,00,000/-)00Net Annual Value Net Income(Loss) from Propertye. Housing. Loan (Principal Repayment )0a. PF & VPF Contribution0Less-Repair & Collection Charges(30% of Net Annuall Value)f. Tuition fees for 2 children0b. Life Insurance premiums0Income from house propertyg. E.L.S.S(Mutual Fund)0c. PPF a/c Contribution0Less-Interest on Housing Loanh. Tax Savings Bonds0d. N.S.C (Investment +accrued Int first five year)0Net Income from propertyI. FD (5 Years and above)0e. Housing. Loan (Principal Repayment )0TAX RATES FOR (F-Yr 2007-08) ASSESSMENT OF MALE ASSESSE FOR YEAR 2008-2009j. 80 ccc Pension Plan00f. Tuition fees for 2 children0Net Income Range Income Tax Rates8. Less: Deduction under chapter VI Ag. E.L.S.S(Mutual Fund)0Upto Rs. 1,10,000 NILb. 80 D Medical Insurance premiums00h. Tax Savings Bonds0Rs.1,10,000 to Rs.1,50,000 10% of Total Income(-)Rs.1,10,000c. 80 E Int Paid on Education Loan0I. FD (5 Years and above)0Rs.1,50,000 to Rs.2,50,000 Rs. 4,000+20% of Total Income(-)Rs.1,50,000d. 80G Donation to approved fund0j. 80 ccc Pension Plan0Rs.2.50,000 to Rs 10,00,000 Rs. 24,000+30% of Total Income(-)Rs.2,50,000e. Any other (Specify)---008. Less: Deduction under chapter VI A00Above Rs.10,00,000 Rs.2,49,000+30% of total Income(-)10,00,0009. Total Income0b. 80 D Medical Insurance premiums00TAX RATES FOR (F-Yr 2007-08) ASSESSMENT OF FEMALE ASSESSE FOR YEAR 2008-200910. Total Taxable Income (Round off to nearest 10 rupees)0c. 80 E Int Paid on Education Loan0Net Income Range Income Tax Rates11. Tax on Total IncomeNILd. 80G Donation to approved fund0Upto Rs. 1,45,000 NIL12. Surcharge on Total Taxable Income0e. Any other (Specify)---0Rs.1,45,000 to Rs.1,50,000 10% of Total Income(-) Rs.1,35,00013. Total Tax Payable09. Total Income0Rs.1,50,000 to Rs.2,50,000 Rs.500+20% of Total Income(-)Rs.1,50,00014. Add; Edn Cess @ 3%010. Total Taxable Income (Round off to nearest 10 rupees)0Rs.2.50,000 to Rs 10,00,000 Rs. 20,500+30% of Total Income(-)Rs.2,50,00015. Net Tax Payable011. Tax on Total IncomeNILAbove Rs.10,00,000 Rs.2,45,500+30% of total Income-10,00,00016. Tax Deduction at Source012. Surcharge on Total Taxable Income0Surcharge is10% of Income Tax if net income is more than Rs.10,00,000 (Also consider marginal relief)17. Balance Tax Payable/RefundableRefundable013. Total Tax Payable0Education Cess is 3% of income tax from all Assesse.14. Add; Edn Cess @ 3%015. Net Tax Payable016. Tax Deduction at Source0017. Balance Tax Payable/RefundableRefundable050% 0F Basic Salary040% 0f Basic Salary00MaleNIL0FemaleNIL

Write M for Male or F for FemaleFor HRA exemption(1) If you are receiving H.R.A & paying rent and showing rent receipts Enter informations in cells No B7- B10. Otherwise leave blank. (ii) If you are not receiving H.R.A& Paying rent. Claim deduction u/s 80GG. Follow informations & enter amount in Cell No A 44.Write M for Metro NM for Non MetroMonthly Basic X 12 or enter( = Basic received * Duration of Service & Press Enter)(40% for Non Metro (50% for metros) of Basic+DAMonthly Rent X 12 orEnter (=Actuall rent paid * Time & Press enter)Rent paid (-)10% of Basic)Monthly HRA Received X 12/Time or Enter (=HRA Received * Duration & Press enterLeast of (40% (50% for metros) of Basic+DA or HRA Receive or Rent paid (-)10% of Basic)Write your PAN NOWrite your Full NAME with FATHER'S NAMEWrite DATE OF BIRTHENTER YOUR GROSS INCOME 0R (=WHOLE INCOME RECEIVED* DURATION OF SERVICE PERIOD & Press Enter)

B4Enter (=Convayance Allowance Received * Duration & Press Enter)Paid or to be Paid (after 1st Apr 2007 & on or Before 31 March 2008. by LIC or any other Pvt Insurance CO. )Premium Paid for Mediclaim Policy from General Insurance & Criticall Illness Cover from Life Insurance for Self,Spouce,Children & Parents.Donation to Govt. fund is 100% & Other Recognise NGO are 50% . Follow eligibility for Deduction on Certificate with Receipt .Only Tution Fee for Full time EducationSelf PF & VPF Contributionenter(=Monthly PF/VPF* Duration & Click enter)(for Self occupied Residence)MAX Deduction is Rs.1,50,000/-There is no limit if the house is rented out & There will be Separate Calculation for Income from house property.

Information & RulesAuto Tax Calculator by B.P.Choudhary (Tax Consultant)Calculate your Tax in Just 5 MinutesVersion 3.0 for the Financial year 2008- 09, Version 2.0 for the Financial year 2007- 08 & Version 1.0 for the Financial year 2006- 07Available free, Mail me at ( bpchoudhary@gmail.com)or ( bpchoudhary@consultant.com)Hello-Dears- I am Bijender Pal Choudhary. I am not a Software Professional, but am a Tax Consultant. Prepared this Auto Tax Calculator with the information I have. This tax calculator may help to calculate the estimated tax payable by you. If you find any inconsistency,correction or amendments, please let me know, I will try to fix it at the earliest . Please send a detailed e-mail at bpchoudhary@consultant.com or bpchoudhary@gmail.com1This Calculator will be used to compute the Tax for Common salaried individuals only.2Easy to understand & similar as form 16.3You can Calculate your Income Tax in Calculation Sheet & print the Computation Sheet to use with your return filing.4Once you enter the amount in the blank cells. Other cells in Calculation & Computation Sheets will calculate data & Tax automatically.5 Follow the Tax Rules & Informations (where applicable). Following ready reaconer is for your refference.T A X R U L E S & O T H E R U S E F U L I N F O R M A T I O N1HRA exemption = minimum of (40% (50% for metros) of Basic+DA or HRA or rent paid - 10% of Basic+DA)2Transport allowance is exempt upto Rs.800/- per month provided the person is in India during the month. For people having permanent physical disability, the exemption is Rs.1,600/- per month3Vehicle maintenance exemption can be claimed if you use a car for travel to the workplace. In such case, exemption can be claimed for the petrol and vehicle maintenance amounts. The exemption is available to the tune of Rs.1,200/- per month if the engine capacity is less than 1600cc and Rs.1,600/- per month if the engine capacity is more than 1600cc. In case the amount includes driver's salary, there is an additional exemption of Rs.600/- per month. When this exemption is claimed, transport allowance exemption is not available.4Medical bills are exempt for self and dependent family, upto Rs.15,000/- per annum5LTA is exempt to the tune of ecomony class Train/ Air /Recognised public Transport fare for the family to any destination in India, by the shortest route.LTA can be claimed twice in a block of 4 calendar years. The current block is from 01.01.2006 to 31.12.2009. For claim, it is must to provide originals tickets etc.6u/s 24 There is an Exemption for interest on housing loan.(for Self occupiedResidence). If the loan was taken before Apr 1, 1999 exemption is limited to Rs.30,000/- per year. If the loan was taken after Apr 1, 1999 exemption is limited to Rs.1,50,000/- per year if the house is self-occupied; There is no limit if the house is rented outThis exemption is available on accrual basis, which means if interest has accrued, you can claim exemption, irrespective of whether you've paid it or not7If you have rented out your house, enter the total income/loss from the house (after deducting property tax and standard maintenance expenses).8u/s 80D Medical Insurance (such as Mediclaim & Critical illness Cover) premium is exempt upto (Rs 10,000/- for 2006-07) Rs.15,000/- (for 2007-08) per year. If the premium includes that for a dependent who is above 65 years of age, an extra Rs.5000/- can be claimed( for 2007-08 ) & Rs.15,000/- (for 2007-08 ) per year.9u/s 80DD Deduction in respect of medical treatment of handicapped dependents is limited to Rs.50,000/- per year if the disability is less than 80% and Rs.75,000/- per year if the disability is more than 80%10u/s 80DDB Deduction in respect of medical treatment for specified ailments or diseases for the assesse or dependent can be claimed upto Rs.40,000/- per year. If the person being treated is a senior citizen, the exemption can go up to Rs.60,000/-11u/s 80E Interest repayment on education loan (taken for higher education from a university of self & dependents) is completely tax exempt12u/s 80G Donations given for certain charities are tax exempt. Some are exempt to the tune of 50%, whereas others are 100%.13u/s 80GG If you do not get HRA, but have rented a house, an exemption is available. This will be calculated as minimum of (25% of total income or rent paid - 10% of total income or Rs.24,000/- per year)14Interest earned from all sources is to be included. All interest income is fully taxable15u/s 80U If you have a permanent physical disability (including blindness), you can take an exemption (subject to maximum of Rs.75,000/- per year)16u/s 80C Investments up to 1 lac in PF, VPF, PPF, Insurance Premium, Housing loan principal repayment, NSC, ELSS, etc. are deductible from the total income (there is no limit on individual items, for example 1 lac can be invested in Insurance, )H O W T O G E T A N U P D A T E1This tax calculator constantly gets updated to fix errors found as well as to add new features2This may also be changed when there are changes in tax rules that affect income tax computation3You can send an e-mail with your Income details/Salary slip. You will automatically receive the current version of tax calculator with your own details within a day or two. Once you send a request for our calculator. In future we will send you an updated version autimatically.whenever I update,W E P R O V I D E S E R V I C E S F O RTAX ASSESSMENT(CALCULATION)IT RETURNSPAN CARDCUSTIMISED SAVINGS/INVESTMENTS/ INURANCE SOLUTIONS (LIFE/ NON LIFE)A D V I S EMostly people gives estimated declaration at year starting to minimise their Tax Liabilities but could not save up to last or face heavy burden in last months, so it is advisable to save from start on monthly basis through Bank ECS , Pls. get in touch with me for Tax saving schemes to mininimize your Tax liabilities. I am providing consultancy for Tax assessment and good Customise Security & investment Plans .C A L L M E F O R P R E S E N T A T I O N : B. P. C H O U D A R Y P h : 9 8 1 1 3 0 2 4 9 7, 9 2 1 1 1 2 5 5 8 7 or M a i l1577 SECTOR-5 R.K.PURAM NEW DELHI-110022