Choose PPF for safe, fixed and tax-free returns. Choose ELSS for growth if you can stay invested for five years or more. Choose NPS for a retirement fund and an extra ₹50,000 deduction. You can claim a deduction for all three only under the old tax regime. Many families use a mix of the three.
Quick answer: When you switch jobs, your unvested ESOPs usually lapse. Your vested options stay yours, but you must exercise them inside the window in your ESOP policy. Many plans give 30 to 90 days. Exercising triggers salary tax on the gain. So check your deadline, your cash, and your tax before you resign. Key
Neither regime is best for everyone. The new regime has lower rates but few deductions. The old regime has higher rates but allows HRA, home loan interest and 80C. Add up your real deductions, then compare the tax under both. At a ₹15 lakh income, the old regime needs about ₹6 lakh of deductions to
Quick answer: Most salaried professionals lose money at tax time not from bad investments, but from five avoidable habits: never comparing the old and new tax regimes with real numbers, missing or mis-claiming HRA, filling Section 80C on autopilot, skipping health insurance under Section 80D, and not reconciling Form 26AS/AIS before filing. Fixing these takes
Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. Before making an investment, please contact the investment expert at Deepak Wealth Framework for designing a portfolio that suits your needs. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.
AMFI Registered Mutual Fund Distributor | ARN - 328771 | Date of Initial Registration: 14/05/2025 | Current Validity: 13/05/2028.
