Your dream home is just a Home-Loan away!

A roof over one’s head is a human being’s necessity. Getting a spacious, safe, equipped and accessible home is a dream. The best way to fulfill this dream, for many, is through a home loan. However, to be eligible for a home loan, one must meet certain requirements.

The eligibility criteria for a home loan is as follows:

  • Age:
    A person availing home loan should be within the age limit from 18-70 years. However, some banks and; institutions offer home loans to salaried, self-employed professionals and businessmen above the age of 23 only.
  • Net-worth:
    You can qualify for a home loan if your monthly income is more than Rs. 25,000. Those within the income bracket of Rs. 25,000-Rs. 40,000 can avail a home loan if their fixed obligation (Rent, EMI) does not exceed 50% of their income. Those with a monthly salary of over Rs. 40,000 can avail a home loan if their fixed obligation does not exceed 65% of their income.
  • CIBIL score
    A good CIBIL score of 650 is required. If you have a CIBIL score lower than 650, you still stand a chance to avail of a home loan by paying a higher interest rate, at a higher margin.
  • Company and Employment history
    You should have a stable income history and/or job continuity of a minimum of 3-5 years. The sector in which you work should not have been blacklisted by the bank. Additionally, some professions such as lawyers, beauticians, police personnel, builders, etc. may be considered negative by some banks.
  • Co-applicants
    Having a co-applicant increase your chances to avail of a home loan, it might
    also fetch you a higher loan amount. The co-applicant should have a share in the property. The list of co-applicants allowed is spouses, parents, siblings, and children.
  • Loan-to-value (LTV) Ratio
    Lenders calculate the LTV ratio using the below formula:
    LTV Ratio (%) is equal to Amount Borrowed divided by Property Value multiplied by 100.
    For example, if you wish to buy a house worth Rs.1 Crore and the LTV ratio of your
    the bank is 70%, then the maximum amount of loan that you can avail of is Rs. 70 lakh.

    The RBI has issued the below guidelines for the LTV ratio:
    For loan amounts of Rs. 30 lakhs and below, the LTV ratio for the loan can go up to 90% of the property, and for loan amounts above Rs. 30 lakhs, the LTV ratio can go up to 80% of the property value. For loan amounts above Rs. 75 lakh, the LTV ratio can go up to 75%. If the LTV ratio is 90%, at least 10% of the property value will have to be paid from your pocket and the rest of the amount can be funded through a home loan.
  • Property Approval and Valuation
    The property against which one wishes to avail a home loan should be legally approved and constructed by a reputed builder. For home loans of higher ticket size (Rs. 1 Crore & above), housing loan lenders prefer getting valuation details from independent valuers.Once a person meets all home loan eligibility requirements, they can easily make
    their dreams come true. It also comes with a series of benefits, some of them include:
    • Investing in Real-Estate is an appreciating asset:
      Property prices in India are slated to appreciate in the longer run. This makes home buying, one of the smartest forms of investment.
    • Home loans are a tax savior:
      As mentioned in the Income Tax Act – Section 24, a maximum deduction of Rs. 2 lakhs can be claimed by homeowners on their home loan interest for a self-occupied property.
      In case the property has been rented out, the tax exemption is Rs. 2 lakhs or actual interest paid by the taxpayer; whichever is lesser.
      Section 80C also gives the provision of a deduction of Rs. 1,50,000 on the Principal amount repaid.
    • Home loans improve credit score:
      Paying off your home loan EMIs on time is a great way to improve your credit score. If you make all your repayments on time and have a good credit score, availing of other loans such as a car or student loan becomes easy.
    • Home loans are a cost-effective way of funding a long-term asset:
      Home loans have the cheapest rate of interest in India as compared to other loans. It’s easy to get a home loan since it is secured against an asset.
    • Pradhan Mantri Awas Yojana (PMAY):
      A Credit Linked Subsidy Scheme (PMAY-CLSS) enables home loan borrowers purchasing or constructing their first pucca house to get subsidies credited into their
      loan account of up to 2.67 lakh.
    • Repay with ease :
      Home Loans let you enjoy longer repayment tenures ranging from 10 years to 30 years. Although, If you can pay higher EMIs, we’d suggest you opt for a shorter tenure Summing it up, you can now easily check your home loan eligibility with the help of a home loan eligibility calculator. More so, in today’s times when everything is available online, you can now avail of a home loan from the comfort of your home,
      with just a click. Happy home buying!

Source :

Real Estate Scenario in Nashik

Real Estate Scenario in Nashik

The skyrocketing prices and demands of real estate in Mumbai and Pune have led investors on the lookout for affordable and higher return destinations to invest in. One of the pocket-friendly destinations worthy of investment is Nashik. The emerging Wine Capital of India is proving as a worthy opponent to many metro cities. Here’s what has led to the rapid demand for this city.

In the past decade, Nashik’s residential market has boomed. With better infrastructure, connectivity, and government projects, Nashik has transformed into an attractive real estate destination.

The expansion of the IT sector and increasing industrialization has given way to many employment opportunities in the city. Along with the newly developed airport, many other government projects are in the pipeline. Due to this rapid infrastructural growth, Nashik is recognized as one of the fastest developing cities in India.

The geo-strategic location of the city is what earns it brownie points as the real deal in investment. Located in western Maharashtra, Nashik is surrounded by Mumbai and Pune making it a triangular corridor. While enjoying the up-gradation of the Mumbai-Nashik highway, and the airport, Nashik has become the hub for many migrants. However, this has not diluted the beauty and peace that prevails in the city. Pleasant climate, green pastures, and scenic beauty pretty much add to the charm of the city and secure the status of an upmarket locality. Endowed with a good quality of life, the city is now the destination for most millennial couples looking to invest in a pandemic friendly home-office.

While having some of the best infrastructural developments made by the government, certain localities add to the charm of the city making them viable for investment. Topping this list is Gangapur Road, with its well-connected roads and popular amenities in the locality. An iconic project in this area is Ashar Grapecity offering 4 BHK luxurious apartments. The project is equipped with state-of-the-art amenities such as a temperature-controlled swimming pool, fully equipped gym, and clubhouse, senior citizen zone topped with marvelous architecture, and unobstructed hill view perfect for leisure. The podium-style layout of the project ensures an elevated lifestyle in one of the most iconic areas in Nashik.

A steady increase in demand for property and the need for a second home have elevated the real estate status of Nashik. A clean and green environment, cultural and historical significance, road connectivity, pleasant climate, and many such factors make Nashik the ideal destination for investors.

So whether it is your first home or a second home for investment, Nashik should be on top of your list. Explore 4 BHK luxurious homes in the most prominent locality of Nashik at Ashar Grapecity.

Trends in Real Estate

Modern Times = Modern Homes

How pandemic has changed the face of the real estate market

The ongoing pandemic has transformed the way real estate is viewed. The once widely-popular corporate spaces now sit empty, while the need for residential spaces have shot up. The reason is enterprises making work-from-home a new way of working. This has pushed the demand for spacious nuclear homes in urban areas with all of your essential amenities, making moving in easy for a working couple.

Embracing and adapting to this change, the real estate world is transforming in many ways:

  1. Small homes, with big hearts

Small homes that are easy to maintain have cropped up in large numbers across cities, and are affordable too. This is due to the rise in the demand for residential properties that made realtors create a new market for small, affordable spaces. The furniture industry also jumped on the bandwagon by creating compact, multi-purpose furniture pieces.

  1. Easy living with smart, equipped homes

Moving into furnished homes, equipped with essentials such as air conditioners, refrigerators & kitchenettes, etc. is essential for today’s homebuyers. This is complemented with smart homes where everything including air conditioners, dishwashers, lights, fans are voice-controlled at the push of a button even when one is away from home.

  1. Fuss-free furniture

Gone are those times where one would move into homes months after purchasing. For today’s fast-moving generation, everything is now or never. This has given rise to a new segment of ready-made, build-it-yourself furniture that is affordable and can be easily modified and installed, without assistance.

  1. Accommodating a millennial lifestyle

The technology-led millennial generation comprises the largest population. They have a heavy disposable income and are today’s homebuyers. Additionally, today’s generation is eco-conscious, hence they look for sustainable homes.

To grow & stay relevant, the realtors and the real estate market should ideally be revolving around the needs of millennials. The key for which is marrying technology, sustainability, and affordability, while being quickly adaptable.

Home loan benefits for women in india


Benefits of being a Woman Home Buyer in India

More and more women in India are becoming financially independent. They are taking their rightful place as equals in the society, participating & making important decisions such as buying their own house.

As per the latest consumer survey by ANAROCK-LIC Housing Finance, 77% of women home seekers are looking to buy property for end-use, while the rest are looking at the same as an investment.

To make house purchases more profitable for women while fulfilling its larger goal of ‘Housing for All’ the Indian government offers several monetary benefits that women home buyers in India can avail of, if the property is registered in their name.

1. Stamp duty

The stamp duty on homes registered in the name of women is about 1%-2% lower as compared to men in most Indian states. E.g., if a woman purchases a property worth Rs. 50 Lakhs, she saves around Rs. 50,000 – 1, 00,000 on stamp duty, all the credit for this goes to the lower stamp duty scheme for women.

The stamp duty that in India for when a man pays v/s when a woman pays

State The stamp duty rate for men The stamp duty rate for women
Jharkhand 7% Re 1
Delhi 6% 4%
Haryana 6% in rural, 8% in urban 4% in rural, 6% in urban
Uttar Pradesh 7% Rebate of Rs 10,000 on overall charges
Rajasthan 5% 4%
Punjab 6% 4%
Maharashtra 6% 6%
Tamil Nadu 7% 7%
West Bengal 5% in rural, 6% in urban, (Plus 1%, if the property cost is more than Rs 40 Lakhs) Same
Karnataka 5.6% 5.6%
Note: Charges are indicative and subject to change.

2. Home Loan Benefits for Women

Did you know? 

Women are the favoured applicants for a home loan. They are known for having a better track record. Lenders find them more reliable, hence a woman’s chances of being approved for a home loan are higher.

Financial lending institutions are encouraging home buying behaviour amongst women by offering specialised schemes and lower interest rates.

Even a minimum subsidy of 0.05% to 1% on home loan rates significantly impacts EMI. It adds up to a considerable amount in lowering down the EMI, thus making repayment stress free for women.

Here’s how much a women applicant can save on a home loan at a lower rate of interest as compared to others:

Particulars Women Borrower Other Borrower
Loan Amount 50 Lakh 50 Lakh
Rate 8.30% 8.35%
Rate Difference 0.05%
Tenure 20 years 20 years
Monthly instalment 42,760 42,918
Total Principal Amount 50,00,000 50,00,000
Total Interest Amount 52,62,482 53,00,234
Total Amount Payable 1,02,62,482 1,03,00,234
Amount saved 37,752

2.   A. Women can choose longer tenure

Women can easily avail a home loan maximum of up to 30 years. With no charges levied on prepayment, women can lower their EMIs and save for other financial goals that they have planned for.

2.   B. Women can benefit as co-borrowers

Women can apply as co-borrowers with their spouses. Their combined income can offer them higher loan eligibility. Furthermore, as co-borrowers, they can claim tax benefits of Rs 1.5 lakh on the principal amount under Section 80C and Rs 2 lakh on the interest repayment. By availing of a joint home loan, a couple can claim the benefit which is a combined deduction of Rs 3 lakh on the principal amount and Rs 4 lakh on the interest component.

To understand more you can refer to the illustration below:

ParticularsHome loan tax benefits for IndividualsHome loan tax benefit for Couples*
Principal under Sec 80 CRs. 1,50,000Rs. 3,00,000
Interest under Section 24Rs. 2,00,000Rs. 4,00,000
Total DeductibleRs. 3,50,000Rs. 7,00,000

However, the couple should ensure that the sale deed/conveyance deed has the names of both the applicants as the owner of the property and women to be the main applicant.

2.   C. Women can avail higher loan amounts

Many lenders are increasing their sanctions to attract women borrowers. Benefiting from this, women can avail higher loan amounts from anywhere between Rs. 30 Lakhs to 3.5 Crore. This complemented with simple eligibility criteria, it’s a big ‘YES’ to be a woman home buyer in India.

3. Tax Deduction Benefits

Women can also avail tax benefits while taking a home loan. The limit is up to 3.5 lakhs covered under section 80 C for Principal repayment and Section 24 (b) on Interest paid. As per the Income-tax Act 1961, the borrowers can claim a deduction of up to Rs 1.5 lakhs under section 80 C and can claim a deduction of up to Rs 2 lakhs under section 24 (b).

Over & above the deduction of 24 (b), women can claim an additional deduction of Rs 1.5 Lakhs under section 80 EEA. This is only applicable to the loans sanctioned from 1st April 2019 to 31st March 2021.

Section Tax deduction applicable on Limit
80C Principle Paid Up to Rs. 1.5 Lakhs
80C Stamp Duty Rs. 1.5 Lakhs
24(b) Interest Paid Up to Rs. 2 Lakhs

4. Pradhan Mantri Awas Yojana benefits for women

As a step towards equality, and to empower women of all ages, classes, and marital status to apply for housing loans without facing any discrimination, the government has introduced the Pradhan Mantri Awas Yojana (PMAY) Scheme.

Under this scheme, a woman borrowing a home loan under Pradhan Mantri Awas Yojana Credit-Linked Subsidy Scheme (PMAY-CLSS) enjoy concessions on interest. Women borrowers from the economically weaker section (those earning up to Rs 3 lakhs per annum) and low-income group (LIG) category can avail of an interest subsidy of 6.5% (up to Rs 2.67 lakhs) on housing loans of up to Rs 6 lakhs. The subsidy amount is given upfront on the principal outstanding, thus lowering down the interest amount.

The benefits under PMAY-CLSS scheme are categorised on the basic income:

Income Groups Eligible Family Income
Economically Weaker Sections (EWS) Up to Rs. 3 Lakhs
Lower Income Group (LIG) Rs. 3,00,000 to Rs. 6,00,000
Middle Income Group 1 (MIG 1) Rs. 6,00,001 to Rs. 12,00,000
Middle Income Group 2 (MIG 2) Rs. 12,00,001 to Rs. 18,00,000

To avail of the benefits of the PMAY-CLSS scheme, women must meet the below guidelines:

  • At least one woman in the family must be registered as the owner of the new property, irrespective of the fact whether she is buying the property or not
  • Neither the woman, nor her immediate family should own a ‘pucca’ house anywhere in India. (You qualify, even if your parents own a home and you live with them)

Other Benefits under Pradhan Mantri Awas Yojana Scheme:

ParticularsEWSLIGMIG 1MIG 2
Annual IncomeRs 3 LakhRs 3 lakh to Rs 6 lakhRs 6 lakh to Rs 12 lakhRs 12 lakh to Rs 18 lakh
Repayment Tenor (in years)20 years20 years20 years20 years
Subsidy Interest6.5%6.5%4%3%
Loan amount for subsidy qualificationRs. 6 lakhRs. 6 lakhRs. 9 lakhRs. 12 lakh
Max. Property Carpet Area30 square meters60 square meters120 square meters160 square meters

All the above-mentioned benefits add wings to a woman’s dreams of owning a home. They go a long way to empower women both financially and economically.

Disclaimer: The views expressed above are for informational purposes only based on industry reports and related news stories. Ashar Group does not guarantee the accuracy, completeness, or reliability of the information and shall not be held responsible for any action taken based on the published information.

Home Loans for NRI’s

Home Loans for NRI’s

Real estate in India is a perennial industry. Residential real estate for Non-Resident Indians (NRI), particularly, has a glorious future. Whether it’s a dream home or a lucrative investment opportunity, India has countless opportunities for you. And what’s even better? The hassle-free availability of home loans for the NRIs to benefit.

What is the procedure?

Applying for a home loan is simple in India. All you need to do is submit an NRI home loan application form to the bank. Indian banks have become widespread and increased their footfall overseas, too. You can submit your application directly to the bank or use an online application. There is an alternative method where you can also apply at a home branch by appointing someone as a Power of Attorney (POA) holder on your behalf. That way, you won’t have to come or wait till your next trip to India. However, if you issue the POA while you are not present in India, it will require a signature. This need to be performed in front of an embassy official for legitimate consideration. Once you submit the application form, the bank will take you through various terms and conditions and applicable interest rates.

Interest Rates and Conditions

RBI guidelines state: You are an eligible NRI only if you are employed or carrying out business outside India under the circumstances showing an uncertain duration of stay abroad. Thus, if you fall under this category, you can apply for NRI home loans in India. You’ll also have to present documents validating your income, employment, and educational qualifications.

Banks offer 70% – 90% of the property value as a loan, based on your qualifications and income, at an interest rate of 0.25% – 0.50%. The repayment has to be in Indian rupees through Non-resident External or Non-resident Ordinary accounts only.

How does this benefit you?

Banks are now offering home loans to NRIs at attractive interest rates. So, taking a home loan is always better than personal financing. Instead of engaging your savings in the purchase, you can invest that money elsewhere for better returns and manage the property-related expenses with the loan. Home loans for NRIs also have tax benefits, just like the home loans for Indian residents.

So, when you take a home loan, you get tax benefits, security, and freedom to invest your money elsewhere and earn profits.

Key features

Here are some of the most attractive features of Home loans for NRIs that will aid you in selection-
  • You can get loans for constructing a house, purchase a developed property, or renovating an existing property as well.
  • The process of application is simple, and the approvals are quick.
  • There is a flexible online process with precise application tracking facilities
  • Flexible prepayment facility with minimal fees
  • Better finance management
  • Tax benefits and money savings


It is evident from the above points, home loans for NRIs have become a cakewalk in recent times. The entire process requires minimal paperwork, and you may reap multiple benefits in return.

So, should you get a home loan to buy your dream house?

Well, if you are an eligible NRI, the answer is a loud, resounding yes. Getting a home loan is the best choice you can make while purchasing residential real estate property in India.

Disclaimer: The views expressed above are for informational purposes only based on industry reports and related news stories. Ashar Group does not guarantee the accuracy, completeness, or reliability of the information and shall not be held responsible for any action taken based on the published information.

How to choose your dream apartment


How to know if a house is right for you?

You’ve long been dreaming to own a house, saving up to turn it into a reality. But finding a dream property in the city of dreams is no easy task. There are many points to consider: location, amenities, safety, value for money, appreciation rate, size & layout of the apartment, and the list goes on… If luck permits, you’ll get them all, but if not, you might have to compromise on a few factors, but which factors are worth compromising? Aargh! This might get annoying.

Once you’ve found a close match, how to be sure that this is the one? Well, fear not, we are here. Here are some valuable tips and ideas on how to choose the property that best fits your needs.

Define your budget

Before your house-hunting spree, determine your budget. To estimate your budget, you need to know: 1) your earnings 2) savings/collateral.

Map Your Location

Location is by far the most critical considerations you can make before signing your purchase papers. If you have children, you should ideally select a property that is located nearby an educational institute. Additionally, your future home should be well connected to roads and public transport, it should be closer to hospitals & shopping malls, etc., and be safe. Last but not least, the residential complex should have all the necessary amenities and facilities.

Choose the Proper Layout

What type of building do you prefer? One where you can walk up to your home, or a high-rise elevator building? Do you own a vehicle to park?

Determine an apartment size that’ll work for you, a 3, 2 or 1 BHK? If you dream of spending your mornings on a balcony, check if the building offers one. Are you looking for an apartment with a master bedroom, a separate dining area; or for that matter, with the work from home culture slowly becoming a norm post-COVID, does the apartment offer a separate workspace?

Own a pet and want to bring them, add that to your must-haves.

Evaluate the space

While house hunting, carry a notebook. Jot down the pros and cons of the flat and evaluate the reasons behind this. If the walls need some fresh paint or servicing, note down the areas requiring proper scrutiny. Are there any visible damages? If yes, take pictures of them. Also, check for essentials such as a gas pipeline, water & electricity supply etc.+

Take Care of Amenities

Along with the essentials, you should check for the amenities provided by the developer. If you are a fitness freak, a well-equipped gym in the vicinity might be of interest. Kids might be keen on a clubhouse or a garden for their recreational purposes. Also, with elders in the house, you might want to consider having worship places inside/nearby the society.

A home needs maintenance too. So, check how accessible are the plumbers and electricians etc.

Moreover, it’s important to check if these amenities come for free, or you’ll have to shell an additional amount for it.

Run a background check on the builder

Check the credibility of the builder based on parameters such as record and performance, quality accreditation and certification, recognition in real estate, etc.
Disclaimer: The views expressed above are for informational purposes only based on industry reports and related news stories. Ashar Group does not guarantee the accuracy, completeness, or reliability of the information and shall not be held responsible for any action taken based on the published information.

Home Loan Tax Benefits

Why owning a home is beneficial tax-wise?

Buying a property is a big decision & investment, for which every one needs the support of a home loan. If one wishes to buy a 1 BHK in Thane, he will have to shell out between 60 lakh – 1 crore. To pay up the entire amount is not everyone’s cup of tea, more so, not even who can afford wishes to do so. In such a case, a home loan, added to accompanying home loan tax benefits come to the rescue. Not only does it make the home buying process systematic, smooth & easy on the pocket, it also brings along with it some additional tax benefits.

Home Loan Tax Benefits

Joint home loan

Lighter on the pocket, a joint home loan allows you to share the EMIs with your family member, friend or any other co-borrower. In case you lighten your financial burden, even more, you can add more than two applicants to the same loan, this will also make the repayment of the loan easier.

The tax benefit on joint home loan for co-owner are:

Deduction under section 80EE and 80EEA

In the year 2016 & 2017, to increase the sale of flats and to make it easy for people to buy homes, the Indian government introduced a deduction under section 80EE. Section 80EE allows a deduction of up to Rs 50,000 for interest paid by first-time homebuyers for a loan sanctioned from a financial institution between 1 April 2016 and 31 March 2017. The government has extended the benefit for the FY 2019-20 which can be claimed until the housing loan is repaid.

Speaking of Section 80EEA, a deduction for interest payments up to Rs 1, 50,000 is available, which is over and above the deduction of Rs 2 lakh for interest payments available under Section 24 of the Income Tax Act.

Cumulatively, taxpayers can claim a total deduction of Rs 3.5 lakh for interest on a home loan, if they meet the conditions of section 80EEA.

For availing this deduction there are some eligibility criteria & conditions one has to adhere to:

Eligibility criteria:


Conditions concerning the carpet area of the house property. These conditions have been specified in the memorandum to the finance bill, but not mentioned in section 80EEA:

Under Section 24, homeowners can claim a deduction for interest payments up to Rs 2 lakh on their home loan, if or not the owner or his family resides in the house property.

If the homeowner has rented out the property, the entire home loan interest is allowed as a deduction.

If one can satisfy the conditions of both Section 24 and Section 80EEA, benefits under both the sections can be claimed.

It is however advised to exhaust the deductible limit under Section 24 first, which is Rs 2 lakh. Then claim the additional benefits under Section 80EEA. Therefore, this deduction is in addition to the Rs 2 lakh limit allowed under Section 24.

Source: Cleartax-80eea, Cleartax80ee

Deduction for stamp duty and registration

In India, a homebuyer has to pay stamp duty between 4-10% and a registration charge at 1% of the property value. Deductions are claimed on stamp duty and registration charge paid on property purchase under Section 80C of the Income Tax Act, 1961. The overall deduction limit under Section 80C ─ which offers rebate against a wide range of investments, including PF, PPF, life insurance, home loan principal etc. ─ is Rs 1.50 lakh in a year.

So, under Section 80C, a homebuyer can not only claim a rebate on his home loan principal but also on stamp duty, registration charge and other additional expenses. However, the limit stands at Rs 1.50 lakh in a year only.

Conditions apply to claim tax benefit on property stamp duty and registration charge under Section 80C

Source: Proptiger

Home loan tax benefits of owning a second property

If you have bought a second property with the help of a home loan or other housing finance, you can claim a tax deduction on it too.

While deductions under Section 80C on the principal amount of the loan may not be available in the case of your second house, you can enjoy tax benefits on the interest component.

In other words, if the interest payable on the loan taken for the purchase of the second house was larger than the rent received, the remaining portion could be adjusted against your other income. However, now a limit of Rs 2 lakh has been imposed on such adjustment. The remnant portion of the interest, if any, can be carried forward for 8 successive years to be adjusted against income from house property only and under no other head.

In the case of self-occupied property, any additional income remaining after deduction of Rs 2 lakh can neither be carried forward nor adjusted against any other income.

Source: HDFC

Deduction on interest paid

Interest paid to your friends and relatives in respect of money borrowed for purchase, repairs or renovation etc. of a house can also be claimed under section 24(b). All you need to do is prove the actual usage of the personal loan to renovate your property to avail of the deduction. This can be easily done by establishing a linkage between the credit of the personal loan in your bank account and its actual use. Although you are not allowed to attach any document with your ITR, you still need to preserve the documents.

If you have not claimed the deduction on interest paid for a personal loan during the last year in your income tax return, you can do so this year by revising your ITR.

Source: Livemint

A guide to calculating and claim tax benefits

Source: ETMoney, Cleartax

Disclaimer: The views expressed above are for informational purposes only based on industry reports and related news stories. Ashar Group does not guarantee the accuracy, completeness, or reliability of the information and shall not be held responsible for any action taken based on the published information.