Hi,
One of our employees is earning a CTC of 12 lakh. He is paying 10,000 as his tax. Can anyone please tell me some ways to reduce his tax or restructure the CTC so that his tax liability is minimized?
6 views and no reply... seniors, please help me.
From India, Mumbai
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15One of our employees is earning a CTC of 12 lakh. He is paying 10,000 as his tax. Can anyone please tell me some ways to reduce his tax or restructure the CTC so that his tax liability is minimized?
6 views and no reply... seniors, please help me.
From India, Mumbai
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Hi Miss Perfectionist, Can u tell me dat tax amount (Rs. 10000) is monthly or annualy and discribe the salary structure of 12 lacs. ok
From India, Delhi
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From India, Delhi
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attached is the salary structure....plz ve a look and suggest
From India, Mumbai
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From India, Mumbai
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Hi Miss Perfectionist,
The annexure that you have loaded here shows that most of the heads are non-taxable. However, you can still make changes in some of the heads like performance-based pay, special allowances, and basic salary. Instead of providing such a high amount in special allowances, you may consider offering some benefits under FBT, where he will have to pay approximately 6.75% of the total amount covered under FBT, which requires the deposition of receipts in lieu of that.
The heads that attract FBT are petrol reimbursement, books & periodicals, entertainment allowance reimbursement, tour & travels. Please also include educational allowances in your structure, which are exempted up to a certain limit for up to 2 children.
Regards,
Amit Seth.
From India, Ahmadabad
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The annexure that you have loaded here shows that most of the heads are non-taxable. However, you can still make changes in some of the heads like performance-based pay, special allowances, and basic salary. Instead of providing such a high amount in special allowances, you may consider offering some benefits under FBT, where he will have to pay approximately 6.75% of the total amount covered under FBT, which requires the deposition of receipts in lieu of that.
The heads that attract FBT are petrol reimbursement, books & periodicals, entertainment allowance reimbursement, tour & travels. Please also include educational allowances in your structure, which are exempted up to a certain limit for up to 2 children.
Regards,
Amit Seth.
From India, Ahmadabad
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Hi,
Check out the Cost to Company Breakup:
| Cost to Company | Monthly (INR) |
|----------------------------------|---------------|
| Basic Salary | 40,000 |
| HRA | 16,000 (Tax-free with HR calculation)
| Conveyance | 800 (Tax-free)
| Medical Allowance | 1,250 (Tax-free with bills)
| Food Coupons | 1,500 (Tax-free)
| LTA | 6,667 (Tax-free)
| Medical Insurance* | 1,000 (Tax-free)
| Employer's contribution to PF | 4,800 (Tax-free)
| Bonus | 3,333 |
| Variable Performance Based Pay | 15,000 (15% of CTC)
Special Allowances:
- Phone bill: 1,000 (Tax-free with bills)
- Education allowance: 200 (Tax-free with bills)
- Books and periodicals: 500 (Tax-free with bills)
- Gift coupons: 416.67 (Tax-free, paid once a year)
- Petrol reimbursement: 500 (With bills)
Total: 100,000
Putting this information into the proper Excel sheet can help reduce taxable income.
Thanks,
Geeta
From Korea, Seoul
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Check out the Cost to Company Breakup:
| Cost to Company | Monthly (INR) |
|----------------------------------|---------------|
| Basic Salary | 40,000 |
| HRA | 16,000 (Tax-free with HR calculation)
| Conveyance | 800 (Tax-free)
| Medical Allowance | 1,250 (Tax-free with bills)
| Food Coupons | 1,500 (Tax-free)
| LTA | 6,667 (Tax-free)
| Medical Insurance* | 1,000 (Tax-free)
| Employer's contribution to PF | 4,800 (Tax-free)
| Bonus | 3,333 |
| Variable Performance Based Pay | 15,000 (15% of CTC)
Special Allowances:
- Phone bill: 1,000 (Tax-free with bills)
- Education allowance: 200 (Tax-free with bills)
- Books and periodicals: 500 (Tax-free with bills)
- Gift coupons: 416.67 (Tax-free, paid once a year)
- Petrol reimbursement: 500 (With bills)
Total: 100,000
Putting this information into the proper Excel sheet can help reduce taxable income.
Thanks,
Geeta
From Korea, Seoul
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Basic must ideally be between 35 to 40% of CTC. HRA should be 50% of basic. The maximum components that must be reimbursed include petrol and maintenance, books and periodicals, medical expenses, LTA, and uniform. However, based on my experience, it is unlikely that we can minimize the TDS below the amount you have mentioned.
From India, Mumbai
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From India, Mumbai
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Dear All,
See below. Must read, it's really inspiring for all. This is about "A CUP OF TEA".
There was a couple who used to shop in beautiful stores. They both liked antiques, pottery, and especially teacups. One day, in this beautiful shop, they saw a beautiful teacup. They said, "May we see that? We've never seen one quite so beautiful." As the lady handed it to them, suddenly the teacup spoke.
"You don't understand," it said. "I haven't always been a teacup. There was a time when I was red and I was clay. My master took me and rolled me and patted me over and over, and I yelled out, "let me alone", but he only smiled, "Not yet."
"Then I was placed on a spinning wheel," the teacup said, "and suddenly I was spun around and around and around. Stop it! I'm getting dizzy!" I screamed. But the master only nodded and said, "Not yet."
Then he put me in the oven. I never felt such heat. I wondered why he wanted to burn me, and I yelled and knocked at the door. I could see him through the opening, and I could read his lips as he shook his head, "Not yet."
Finally, the door opened, he put me on the shelf, and I began to cool. "There, that's better," I said. And he brushed and painted me all over. The fumes were horrible. I thought I would gag. "Stop it, stop it!" I cried. He only nodded, "Not yet."
Then suddenly he put me back into the oven, not like the first one. This was twice as hot, and I knew I would suffocate. I begged. I pleaded. I screamed. I cried. All the time I could see him through the opening nodding his head, saying, "Not yet."
Then I knew there wasn't any hope. I would never make it. I was ready to give up. But the door opened, and he took me out and placed me on the shelf. One hour later he handed me a mirror and said, "Look at yourself." And I did. I said, "That's not me; that couldn't be me. It's beautiful. I'm beautiful."
"I want you to remember," then, he said, "I know it hurts to be rolled and patted, but if I had left you alone, you'd have dried up. I know it made you dizzy to spin around on the wheel, but if I had stopped, you would have crumbled.
I knew it hurt and was hot and disagreeable in the oven, but if I hadn't put you there, you would have cracked. I know the fumes were bad when I brushed and painted you all over, but if I hadn't done that, you never would have hardened; you would not have had any color in your life.
And if I hadn't put you back in that second oven, you wouldn't survive for very long because the hardness would not have held. Now you are a finished product. You are what I had in mind when I first began with you."
God knows what He's doing (for all of us). He is the Potter, and we are His clay.
He will mold us and make us, so that we may be made into a flawless piece of work to fulfill His good, pleasing, and perfect will.
From India, Delhi
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See below. Must read, it's really inspiring for all. This is about "A CUP OF TEA".
There was a couple who used to shop in beautiful stores. They both liked antiques, pottery, and especially teacups. One day, in this beautiful shop, they saw a beautiful teacup. They said, "May we see that? We've never seen one quite so beautiful." As the lady handed it to them, suddenly the teacup spoke.
"You don't understand," it said. "I haven't always been a teacup. There was a time when I was red and I was clay. My master took me and rolled me and patted me over and over, and I yelled out, "let me alone", but he only smiled, "Not yet."
"Then I was placed on a spinning wheel," the teacup said, "and suddenly I was spun around and around and around. Stop it! I'm getting dizzy!" I screamed. But the master only nodded and said, "Not yet."
Then he put me in the oven. I never felt such heat. I wondered why he wanted to burn me, and I yelled and knocked at the door. I could see him through the opening, and I could read his lips as he shook his head, "Not yet."
Finally, the door opened, he put me on the shelf, and I began to cool. "There, that's better," I said. And he brushed and painted me all over. The fumes were horrible. I thought I would gag. "Stop it, stop it!" I cried. He only nodded, "Not yet."
Then suddenly he put me back into the oven, not like the first one. This was twice as hot, and I knew I would suffocate. I begged. I pleaded. I screamed. I cried. All the time I could see him through the opening nodding his head, saying, "Not yet."
Then I knew there wasn't any hope. I would never make it. I was ready to give up. But the door opened, and he took me out and placed me on the shelf. One hour later he handed me a mirror and said, "Look at yourself." And I did. I said, "That's not me; that couldn't be me. It's beautiful. I'm beautiful."
"I want you to remember," then, he said, "I know it hurts to be rolled and patted, but if I had left you alone, you'd have dried up. I know it made you dizzy to spin around on the wheel, but if I had stopped, you would have crumbled.
I knew it hurt and was hot and disagreeable in the oven, but if I hadn't put you there, you would have cracked. I know the fumes were bad when I brushed and painted you all over, but if I hadn't done that, you never would have hardened; you would not have had any color in your life.
And if I hadn't put you back in that second oven, you wouldn't survive for very long because the hardness would not have held. Now you are a finished product. You are what I had in mind when I first began with you."
God knows what He's doing (for all of us). He is the Potter, and we are His clay.
He will mold us and make us, so that we may be made into a flawless piece of work to fulfill His good, pleasing, and perfect will.
From India, Delhi
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This story has a very spacial moral. We must face our difficulty which fell in our way of success. Choose a difficult way because Dar ke Aage Jeet Hai.
From India, Gurgaon
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From India, Gurgaon
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You can add the tax-free components like Conveyance Allowance - 800 PM (Tax-free), Children Education Allowance - Rs. 1000/- per child (Tax Free), and Flexible Pay - which is again tax-free but has FBT liabilities.
Regards.
From India
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Regards.
From India
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Dear Perfectinist, Apart from regular structure, Medical Reimbursement Allowance can be added of max. 1250/- and fuel reimbursement Allowance also can be added. Thangavel Sr Executive - HR
From India, Coimbatore
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From India, Coimbatore
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Before answering your q, please clear some qestions. 1) wht declaration he has given currently for tax exsumptions. 2) wht are the current CTC break up . Regards Sanjeev
From India, Calcutta
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From India, Calcutta
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Dear Perfectionist,
This information was provided by one of our consultants:
- Basic Salary: 3,00,000
- Edu Allow: 2,400
- Transport Allow: 9,600
- Uniform Allow: 24,000
- Research Allow: 30,000
- Helper Allow: 36,000
- Rent-Free Unfurnished house: 4,20,000
- Car With Driver: 1,92,000
- Residence Telephone: 40,000
- Gift in Kind: 15,000
- Medical Reimbursement: 15,000
- Free Lunch: 21,600
- Mediclaim Insurance: 18,000
- LTC: 19,843
- Employer Contribution to Recognition PF: 36,000
- FBT: 20,557
If the salary is paid as per the above breakdown, the FBT will be 20,557. The taxable income will amount to 3,45,000/-, with tax due of 37,860/-.
I hope this is clear.
From India, Bangalore
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This information was provided by one of our consultants:
- Basic Salary: 3,00,000
- Edu Allow: 2,400
- Transport Allow: 9,600
- Uniform Allow: 24,000
- Research Allow: 30,000
- Helper Allow: 36,000
- Rent-Free Unfurnished house: 4,20,000
- Car With Driver: 1,92,000
- Residence Telephone: 40,000
- Gift in Kind: 15,000
- Medical Reimbursement: 15,000
- Free Lunch: 21,600
- Mediclaim Insurance: 18,000
- LTC: 19,843
- Employer Contribution to Recognition PF: 36,000
- FBT: 20,557
If the salary is paid as per the above breakdown, the FBT will be 20,557. The taxable income will amount to 3,45,000/-, with tax due of 37,860/-.
I hope this is clear.
From India, Bangalore
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Hi,
Most of the ways to save another few bucks on taxes are explained by many. There is one more way that was practiced in one of the companies I remember. They had a car leasing company that was actually providing a new car on lease, and the company was paying the amount as a car lease. The condition was that while leaving the job, either the employee would purchase the car as per the plan or sell it off at negotiable prices to the car lease company.
You can check it out.
Regards,
Shekhar
From India, Lucknow
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Most of the ways to save another few bucks on taxes are explained by many. There is one more way that was practiced in one of the companies I remember. They had a car leasing company that was actually providing a new car on lease, and the company was paying the amount as a car lease. The condition was that while leaving the job, either the employee would purchase the car as per the plan or sell it off at negotiable prices to the car lease company.
You can check it out.
Regards,
Shekhar
From India, Lucknow
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Dear Miss Perfectionist,
Attached herewith is the Income Tax Calculator for the year 2009, which will help solve your problem.
Regards,
Manjusha
Hi,
One of our employees is earning a CTC of 12 lakh. He is paying 10,000 as his tax. Can anyone please tell me some ways to reduce his tax or restructure the CTC so that his tax liability is minimized?
6 views and no replies... seniors, please help me.
From India, Bangalore
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Attached herewith is the Income Tax Calculator for the year 2009, which will help solve your problem.
Regards,
Manjusha
Hi,
One of our employees is earning a CTC of 12 lakh. He is paying 10,000 as his tax. Can anyone please tell me some ways to reduce his tax or restructure the CTC so that his tax liability is minimized?
6 views and no replies... seniors, please help me.
From India, Bangalore
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Hi,
I believe the above salary exemption must have been taken into account before asking for help. So I believe the following would help in addition to the above suggestions:
1. Deduction of donation u/s 80G
2. If the Company is ready to pay Fringe benefit tax, then give prerequisites such as car petrol, driver's salary, telephone bills, and so on. But in this case, the Company will have to shell out instead of the employee.
3. LTA as this is the last year in the current block of 4 years.
4. Ask him to take mediclaim policy deduction under section 80D.
5. Loss on account of interest paid on a housing loan.
Warm Regards,
Divya
Join my SMS channel on income tax. It’s Free.
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or
Send JOIN INCOMETAXONLINE to 9870807070
From India, Mumbai
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I believe the above salary exemption must have been taken into account before asking for help. So I believe the following would help in addition to the above suggestions:
1. Deduction of donation u/s 80G
2. If the Company is ready to pay Fringe benefit tax, then give prerequisites such as car petrol, driver's salary, telephone bills, and so on. But in this case, the Company will have to shell out instead of the employee.
3. LTA as this is the last year in the current block of 4 years.
4. Ask him to take mediclaim policy deduction under section 80D.
5. Loss on account of interest paid on a housing loan.
Warm Regards,
Divya
Join my SMS channel on income tax. It’s Free.
[Link removed]
or
Send JOIN INCOMETAXONLINE to 9870807070
From India, Mumbai
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Hi,
I would suggest you go for a ULIP Policy, which stands for a Unit Linked Insurance Policy. Even if you, for example, invest Rs. 5000 per month for 5 years, you would be investing Rs. 300,000. The next 5 years would be taken care of by the company, and at the end of ten years, you would get a minimum of 6 lakhs. This is a very good investment plan, and you also get an insurance cover of around 6 lakhs. You also have the option to go for an FD, but that would not give you good returns or insurance cover. I am a financial consultant, and if you want, you can contact me, and I can suggest you more options. Do let me know if this was helpful.
Second option, Jeevan Saral, is the best policy in the market. It has been awarded a Golden Peacock award for its unique features:
1. Premium is independent of age.
2. Life cover is 250 times the monthly investment. For example, a premium of Rs. 1000 per month will give a cover of Rs. 2,50,000.
3. ATM facility: Withdraw accumulated money in full or partially after 10 years. Anyone in Mumbai interested in buying Jeevan Saral may contact Minu at 9833501974.
Life insurance is a way of saving. I will give you some points to be noted and its benefits:
1. Savings (depends on mode - monthly, quarterly, half-yearly, annual)
2. It can be used as a tax saving.
3. It can give you a pension.
4. It can protect your family.
5. Investment through life insurance can also be done.
6. Now you also have the option of mutual fund investment.
So please call me if you want to go for an LIC Policy. Minu at 9833501974.
From India, Mumbai
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I would suggest you go for a ULIP Policy, which stands for a Unit Linked Insurance Policy. Even if you, for example, invest Rs. 5000 per month for 5 years, you would be investing Rs. 300,000. The next 5 years would be taken care of by the company, and at the end of ten years, you would get a minimum of 6 lakhs. This is a very good investment plan, and you also get an insurance cover of around 6 lakhs. You also have the option to go for an FD, but that would not give you good returns or insurance cover. I am a financial consultant, and if you want, you can contact me, and I can suggest you more options. Do let me know if this was helpful.
Second option, Jeevan Saral, is the best policy in the market. It has been awarded a Golden Peacock award for its unique features:
1. Premium is independent of age.
2. Life cover is 250 times the monthly investment. For example, a premium of Rs. 1000 per month will give a cover of Rs. 2,50,000.
3. ATM facility: Withdraw accumulated money in full or partially after 10 years. Anyone in Mumbai interested in buying Jeevan Saral may contact Minu at 9833501974.
Life insurance is a way of saving. I will give you some points to be noted and its benefits:
1. Savings (depends on mode - monthly, quarterly, half-yearly, annual)
2. It can be used as a tax saving.
3. It can give you a pension.
4. It can protect your family.
5. Investment through life insurance can also be done.
6. Now you also have the option of mutual fund investment.
So please call me if you want to go for an LIC Policy. Minu at 9833501974.
From India, Mumbai
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:icon6: . LIC is establishing itself as one of the most prosperous markets in modern times
From India, Mumbai
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From India, Mumbai
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Hi,
Can you give a brief overview of the current salary structure in our company? We have the following structure:
Monthly:
1) Basic
2) HRA
3) Personal Allowance
4) Children Education Allowance (which is not taxable if documents are produced)
5) Uniform Allowance (which is not taxable if documents are produced)
Annual:
- LTA
- Medical
Reimbursements:
- Petrol Allowance
- Driver's Salary
- Toll/Parking Charges
- Car Maintenance
- Driver's Bonus
- Meal Card
The reimbursements are a cash component and are tax-free only if documents are produced. I hope this information is helpful.
Regards,
Trupti
From India, Mumbai
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Can you give a brief overview of the current salary structure in our company? We have the following structure:
Monthly:
1) Basic
2) HRA
3) Personal Allowance
4) Children Education Allowance (which is not taxable if documents are produced)
5) Uniform Allowance (which is not taxable if documents are produced)
Annual:
- LTA
- Medical
Reimbursements:
- Petrol Allowance
- Driver's Salary
- Toll/Parking Charges
- Car Maintenance
- Driver's Bonus
- Meal Card
The reimbursements are a cash component and are tax-free only if documents are produced. I hope this information is helpful.
Regards,
Trupti
From India, Mumbai
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Hi,
What I would recommend is to have your CTC restructured to suit your tax liabilities. For instance, you can show part of your income as petrol reimbursements, car hire, and maintenance. If your company also provides assistance in periodical books purchase, housemaid allowance, etc., you can show these expenses and avail of tax benefits to some extent. However, I am sure that in India, nobody can save much from tax deductions when you go beyond a CTC of 6.00 lakhs per annum. Anyways, these are just my suggestions. For further assistance, you could consult a CA, and I am sure they can guide you on how to save maximum tax to the possible extent.
Regards,
Nitenvy
From India
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What I would recommend is to have your CTC restructured to suit your tax liabilities. For instance, you can show part of your income as petrol reimbursements, car hire, and maintenance. If your company also provides assistance in periodical books purchase, housemaid allowance, etc., you can show these expenses and avail of tax benefits to some extent. However, I am sure that in India, nobody can save much from tax deductions when you go beyond a CTC of 6.00 lakhs per annum. Anyways, these are just my suggestions. For further assistance, you could consult a CA, and I am sure they can guide you on how to save maximum tax to the possible extent.
Regards,
Nitenvy
From India
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Hi Miss Perfectionist, Can you pls give me the break up of his salary. Is he’s paying 10000/-p.m or p.a. Regards, Razia
From India, Delhi
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From India, Delhi
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Dear,
It is a good suggestion for reimbursements. Please break the salary into two parts. One will be the actual salary, and the other will be in fringe benefits. Collect the full figure from the employee.
For details, please find the attachment.
From India, Calcutta
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It is a good suggestion for reimbursements. Please break the salary into two parts. One will be the actual salary, and the other will be in fringe benefits. Collect the full figure from the employee.
For details, please find the attachment.
From India, Calcutta
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Dear r4uonly, PF Employee contribution also covered under Rs. 1lakh investment slab please confirm. Prashant 09850401160
From India, Pune
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From India, Pune
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Hi,
Thanks to Amit Seth, Geeta, and HRDX for their valuable contributions. Reimbursement of Petrol and Driver Salary (maybe $10,000) per month can save tax of 30.9% or 33.66%, as the case may be. LTA can save tax but in each alternate year. The main idea is to make a portion of the salary as reimbursement of expenses and take those out from the salary slip.
Thanks and Regards, Sanjay
From India, Calcutta
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Thanks to Amit Seth, Geeta, and HRDX for their valuable contributions. Reimbursement of Petrol and Driver Salary (maybe $10,000) per month can save tax of 30.9% or 33.66%, as the case may be. LTA can save tax but in each alternate year. The main idea is to make a portion of the salary as reimbursement of expenses and take those out from the salary slip.
Thanks and Regards, Sanjay
From India, Calcutta
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Dear Ms. Perfectionist,
You can also increase the amount of meal vouchers. The maximum limit is Rs. 30,000 per annum which comes to Rs. 2500 per month. As this does not attract FBT, it is a good way to save tax.
Regards,
Diya
From India, Patna
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You can also increase the amount of meal vouchers. The maximum limit is Rs. 30,000 per annum which comes to Rs. 2500 per month. As this does not attract FBT, it is a good way to save tax.
Regards,
Diya
From India, Patna
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If a person who is drawing 12 lac as CTC and still does not pay just 10000 as Tax, which is not even 1% of the CTC he is earning, does not deserve any advice/sympathy. What he wants, everything FREE. How will the GOVT. run and the infrastructures he wants to enjoy, will be constructed.
From India, Pune
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From India, Pune
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Dear,
Few options:
- You can increase Sodexo meal coupons by Rs. 10,000 per month.
- You can reimburse cash for the driver's salary and vehicle maintenance - Rs. 5,000 per month.
- You can reimburse cash for monthly petrol - Rs. 5,000 per month.
Regards,
Vimal Shrimali
From India, Vadodara
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Few options:
- You can increase Sodexo meal coupons by Rs. 10,000 per month.
- You can reimburse cash for the driver's salary and vehicle maintenance - Rs. 5,000 per month.
- You can reimburse cash for monthly petrol - Rs. 5,000 per month.
Regards,
Vimal Shrimali
From India, Vadodara
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You have to restructure your salary. Put conveyance allowance and other allowances as reimbursement. Employees can get their reimbursement after the submission of bills. On this, employees need not pay tax, but the company has to pay Fringe Benefit Tax (FBT).
Regards,
Amit
From India, Pilani
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Regards,
Amit
From India, Pilani
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Salary less tax - CTC.xls