Most Tax Efficient salary structure for 93,500 CTC per month - don't have a home loan

dashang

Hello, I want to make this salary structure very tax efficient as possible. I don't have a home loan.
Currently, its shown below
Particulars: Amount
Basic: 52964
HRA: 21186
Attire Allowance: 4000
Leave Travel Allowance: 4000
Telephone Allowance: 2000
Training Allowance: 1000
Travelling Allowance: 8000
Total Earning: 93150
Professional Tax: 200
Withholding: 4998
Monthly Take Home Pay: 87952
Monthly Cost To Company: 93150
Guide me.

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