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 INCOME TAX CALCULATOR 2020  FOR FY 2020-21  ​
INCOME TAX CALCULATOR 2020- ESTIMATE YOUR INCOME TAX LIABILITY
 Estimation of your Income Tax liability in simple steps explained on this pageÂ
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 The Article on  " TAX PLANNING FOR FY 2020-21 CONTAINS 5 PARTSÂ
PART I Â : MAJOR CHANGES IN TAX RULES FOR FY 2020-21Â CLICK HEREÂ
PART 2 : TAX RATES/SLABS FOR FY 2020-21Â Â Â CLICK HERE Â Â
PART 3 : Â TAX REBATES FOR FY 2020-21Â Â CLICK HERE Â Â Â
PART 4 :Â Â CALCULATE YOUR INCOME TAX/ADVANCE TAX FOR FY 2020-21
            :           READ THIS PART BELOWÂ
PART 5 : TAX ON RETIREMENT BENEFITSÂ CLICK HERE Â Â Â Â
    ​
 The Article on  " TAX PLANNING FOR FY 2020-21 CONTAINS 5 PARTSÂ
PART I Â : MAJOR CHANGES IN TAX RULES FOR FY 2020-21Â CLICK HEREÂ
PART 2 : TAX RATES/SLABS FOR FY 2020-21Â Â Â CLICK HERE Â Â
PART 3 : Â TAX REBATES FOR FY 2020-21Â Â CLICK HERE Â Â Â
PART 4 :Â Â CALCULATE YOUR INCOME TAX/ADVANCE TAX FOR FY 2020-21
            :           READ THIS PART BELOWÂ
PART 5 : TAX ON RETIREMENT BENEFITSÂ CLICK HERE Â Â Â Â
    ​
Finance Minister Ms Nirmala Sitharaman will present her second budget for FY 2020-21 ON 01.01.2020 at 11.00 am .Â
To watch it live and to view highlights Â
CLICK HEREÂ
To watch it live and to view highlights Â
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If your Taxable Income is One Rupee more than threshold of Rs 5,00,000,you may have to pay a Income tax of Rs 13,000(Inclusive of Cess ) .Hence estimate your income and Income tax now and utilize rebates and deductions available in the remaining period of the year to bring your taxable Income to less than Rupees Five lakhs .By planning now ,you may avoid last minute surprises .Â
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          TAX CALCULATOR 2020 -Â
ESTIMATE YOUR INCOME AND TAX LIABILITYÂ
( TAX CALCULATOR FOR AY 2021-22 ( FY 2020-21Â )Â
  Â
​1. Estimate your expected total income including salary,interest or any other income for the current year April 2020 to March 2021.Please note that interest on Fixed Deposits / Recurring Deposits  is to be included . Note the dividends received by you are also to be included in your annual income from FY 20-21 onward .Â
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2. Take stock of  payments like Provident Fund paid  payable  by your employer ,    Insurance Premium  you have paid or any other instrument you have purchased  or to be purchased which is eligible for Tax concession under old tax regime .Collect the details of Housing loan and education loan installments  to be  paid during the year and interest paid/payable  for them for the year .Â
3. Go to Income Tax Department,Govt of India website Â
http://www.incometaxindia.gov.in/Pages/tools/income-tax-calculator-234ABC.aspx
and calculate the estimated  income tax liability for the current year .Â
 For the Fy 2020-21 , you have option pay income tax under two regimes Â
1. Under new simplified tax regime using newly introduced section 115bac of IT act which has lower rates , but without many tax rebatesÂ
2. Using old tax regime which was available in Fy 2019-20  with same tax rates and same tax rebates .Â
You can decide which one to use at the time of submission of IT Returns for FY 2020-21 , BUT YOU HAVE TO GIVE YOUR CHOICE OF OPTION ( which can be changed later ) to your employer if you are salaried persons or pensioners . Â
You can calculate Income tax  liability under both regimes below and find which is beneficial .Â
 SOME SIMPLE THUMB RULES FOR SELECTION BETWEEN OLD AND NEW TAX REGIMES  :Â
1. If your total gross income is less than Rs 5 lakhs , your income tax liability is nil in both regimes .Â
2. If you have total tax rebates of Rs 2.50 lakhs or more ,  old tax regime is better than new regime for any amount of gross incomeÂ
3. If you have tax rebates of Rs 2.00 lakhs or more , old regime is better for gross income up to Rs 11.00 lakhs . Â
However you better check yourself and know which is betterÂ
1. If your total gross income is less than Rs 5 lakhs , your income tax liability is nil in both regimes .Â
2. If you have total tax rebates of Rs 2.50 lakhs or more ,  old tax regime is better than new regime for any amount of gross incomeÂ
3. If you have tax rebates of Rs 2.00 lakhs or more , old regime is better for gross income up to Rs 11.00 lakhs . Â
However you better check yourself and know which is betterÂ
HOW TO CALCULATE WHICH IS BETTER FOR YOU : OLD OR NEW ? Â
TAX CALCULATION UNDER NEW REGIMEÂ Â
1. Go to Income Tax Department,Govt of India website Â
http://www.incometaxindia.gov.in/Pages/tools/income-tax-calculator-234ABC.aspx
and calculate the estimated  income tax liability for the current year Â
2. Select Assessment Year 2021-22 Â
3. Whether  you want to opt for taxation under 115BAC ; Select YESÂ
( Complete the total exercise once with YESÂ Â Â )Â
3. Select your gender or senior citizen statusÂ
4. Enter your Residential statusÂ
5. Enter your expected salary / pension without ANY DEDUCTIONÂ
6. Enter  other income like Interest Â
Now you will total Total Taxable income and your Tax liability under the new regime . Note down  the tax liability under the new regime .Â
TAX CALCULATION UNDER OLDÂ REGIMEÂ
7.  Now go back to the question : Whether  you want to opt for taxation under 115BAC ; Select  NO Â
8. Now Enter your expected salary / pension  after Standard Deduction of Rs 50,000 .Â
9.  Enter  other income like Interest Â
10 . Enter all your eligible deductions like life insurance premium paid / payable , housing loan interest , education loan interest , Medical insurance , interest received from bank under section 80TTA / 80 TTB .Â
 ( To opt for the old regime , one has to know the various rebates available   and it is the same as in FY 2019-20 . To know all rebates / deductions available , CLICK HEREÂ
Now you will get Total Taxable Income under old regime and Tax Payable under old regime .Â
COMPAREÂ :Â
Now compare the tax amount between Old regime and New regime and decide whether to opt for old regime or new regime .Â
You can then intimate your employer your choice . If your employer allows you to file your option on-line , do so . Remember the once you intimate the option to your employer , it cannot be revoked . But you may select a new option while filing IT Returns . Â
If you opt for old regime  , you have to inform your employer the details of the investments made in tax saving instruments also . Otherwise TDS will be more than the TDS under new regime . ​
TAX CALCULATION UNDER NEW REGIMEÂ Â
1. Go to Income Tax Department,Govt of India website Â
http://www.incometaxindia.gov.in/Pages/tools/income-tax-calculator-234ABC.aspx
and calculate the estimated  income tax liability for the current year Â
2. Select Assessment Year 2021-22 Â
3. Whether  you want to opt for taxation under 115BAC ; Select YESÂ
( Complete the total exercise once with YESÂ Â Â )Â
3. Select your gender or senior citizen statusÂ
4. Enter your Residential statusÂ
5. Enter your expected salary / pension without ANY DEDUCTIONÂ
6. Enter  other income like Interest Â
Now you will total Total Taxable income and your Tax liability under the new regime . Note down  the tax liability under the new regime .Â
TAX CALCULATION UNDER OLDÂ REGIMEÂ
7.  Now go back to the question : Whether  you want to opt for taxation under 115BAC ; Select  NO Â
8. Now Enter your expected salary / pension  after Standard Deduction of Rs 50,000 .Â
9.  Enter  other income like Interest Â
10 . Enter all your eligible deductions like life insurance premium paid / payable , housing loan interest , education loan interest , Medical insurance , interest received from bank under section 80TTA / 80 TTB .Â
 ( To opt for the old regime , one has to know the various rebates available   and it is the same as in FY 2019-20 . To know all rebates / deductions available , CLICK HEREÂ
Now you will get Total Taxable Income under old regime and Tax Payable under old regime .Â
COMPAREÂ :Â
Now compare the tax amount between Old regime and New regime and decide whether to opt for old regime or new regime .Â
You can then intimate your employer your choice . If your employer allows you to file your option on-line , do so . Remember the once you intimate the option to your employer , it cannot be revoked . But you may select a new option while filing IT Returns . Â
If you opt for old regime  , you have to inform your employer the details of the investments made in tax saving instruments also . Otherwise TDS will be more than the TDS under new regime . ​
​4. For  tax  rates and  various concessions available under   various sections of Income Tax act , CLICK HERE  . Verify whether you can utilize  any of the concessions  and the amount you can invest to avail maximum concession under the each section . Â
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5. While purchasing  insurance policy or any other financial instrument like pension plan,mutual fund etc. discuss with the financial advisors / consultants / agents etc who  are selling the product regarding the tax concessions available specifically for the instrument in question  and reconfirm by going to the website of the issuer .Some advisors/consultants who have their interest in selling these products may mis-inform you about the concessions available .Â
6. Verify such concessions are useful to your tax plan  and you can make use of such concession  for the  present year .Â
7. Beware of the instruments  like unit linked  policies , ELSS etc which are linked to market performance . Such instruments will  perform only when stock  markets. perform .  Some times long terms returns    are shown   with  illustrative rates which may look lucrative . Please remember that those rates are only illustrative and the  such returns may become illusive if  Net Asset Value ( NAV ) does not grow and if sellers do not guarantee the return . Know the risks of investing in such high risk products .Â
​
8. If instruments warrant repetitive  payments say monthly or annually , please  check your financial position  with regard to affordability of the product for you for long term .Â
9. After making all the payments  and investments  and after   getting the   total income correctly calculated , you can go again  to income tax Dept  site  and  arrive final tax liability .Â
     Â
10.  If you  are eligible to submit  form 15H or  15G  to the banks , do it  well in time   , preferably at the beginning of the financial year or immediately now , for avoiding TDS on interest  paid by the bank .Â
11. Keep the records of all your financial transactions . Money borrowed from friends , Jewelry inherited/purchased ,Gifts received,wedding expenditures,cash remitted to your account etc can be questioned by IT officers  and can be taxed up to 83 % of the value  if IT Officer is not satisfied about your explanation . As per amended section 115BBE , an assessing officer can invoke 60 % tax ,15 % surcharge ,3 % cess with an added penalty of 10 % .To avoid such  hefty payment of tax ,  keep records of your transactions to enable yourself to explain  sources of funds .Â
12. For  authentic details of all the matters relating to Income tax ,go to the website of Income Tax Department ,Government of India :http://www.incometaxindia.gov.in/
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5. While purchasing  insurance policy or any other financial instrument like pension plan,mutual fund etc. discuss with the financial advisors / consultants / agents etc who  are selling the product regarding the tax concessions available specifically for the instrument in question  and reconfirm by going to the website of the issuer .Some advisors/consultants who have their interest in selling these products may mis-inform you about the concessions available .Â
6. Verify such concessions are useful to your tax plan  and you can make use of such concession  for the  present year .Â
7. Beware of the instruments  like unit linked  policies , ELSS etc which are linked to market performance . Such instruments will  perform only when stock  markets. perform .  Some times long terms returns    are shown   with  illustrative rates which may look lucrative . Please remember that those rates are only illustrative and the  such returns may become illusive if  Net Asset Value ( NAV ) does not grow and if sellers do not guarantee the return . Know the risks of investing in such high risk products .Â
​
8. If instruments warrant repetitive  payments say monthly or annually , please  check your financial position  with regard to affordability of the product for you for long term .Â
9. After making all the payments  and investments  and after   getting the   total income correctly calculated , you can go again  to income tax Dept  site  and  arrive final tax liability .Â
     Â
10.  If you  are eligible to submit  form 15H or  15G  to the banks , do it  well in time   , preferably at the beginning of the financial year or immediately now , for avoiding TDS on interest  paid by the bank .Â
11. Keep the records of all your financial transactions . Money borrowed from friends , Jewelry inherited/purchased ,Gifts received,wedding expenditures,cash remitted to your account etc can be questioned by IT officers  and can be taxed up to 83 % of the value  if IT Officer is not satisfied about your explanation . As per amended section 115BBE , an assessing officer can invoke 60 % tax ,15 % surcharge ,3 % cess with an added penalty of 10 % .To avoid such  hefty payment of tax ,  keep records of your transactions to enable yourself to explain  sources of funds .Â
12. For  authentic details of all the matters relating to Income tax ,go to the website of Income Tax Department ,Government of India :http://www.incometaxindia.gov.in/
CALCULATE TAX RELIEF FOR SALARY ARREARS UNDER SECTION 89(1)
HOW TO CALCULATE RELIEFÂ Â ON TAX ARREARS UNDER SECTION 89 (1Â ) :Â
​ Let us assume that you have received arrears  in Financial year 2020-21  .  The arrears pertain to salaries of FY  17-18, 18-19 , 19-20 , 20-21 ThenÂ
1. Calculate Income tax  on salary with arrears for the fy 2020-21      Say the income tax is AÂ
2. Calculate Income tax  on salary for the year fy 20-21  after reducing the arrears  pertaining to fy 17-18,18-19  & 19-20  for the fy 2020-21   Say the income tax is B
3. The difference is extra tax payable by you for fy 2020-21  is C =  A - BÂ
4. Now  note down the income tax already paid for earlier years with your income without arrears . Say you have paid  Income tax D for fy 2017-18 , E for FY 18-19 &  F for FY 19-20 . Total Tax paid earlier is D+ E+ F = HÂ
 5. Add the income arrears pertaining to each earlier years to your income reported and calculate taxes for each year and say the new tax payable is  I for FY 2017-18 , J for fy 18-19 & K for FY 19-20  . Total tax payable now for earlier years is  I+ J+ K = L Â
6. The additional tax payable on account of arrears for previous years is M = L- HÂ
 Now under  rule 21A , you can chose  either  C or M whichever is beneficial to you . That means either you can pay total tax of A  or
 B+ M  whichever is  beneficial   .Â
  To know about  rules for tax relief  on salary arrears  , you may go HEREÂ
​ Let us assume that you have received arrears  in Financial year 2020-21  .  The arrears pertain to salaries of FY  17-18, 18-19 , 19-20 , 20-21 ThenÂ
1. Calculate Income tax  on salary with arrears for the fy 2020-21      Say the income tax is AÂ
2. Calculate Income tax  on salary for the year fy 20-21  after reducing the arrears  pertaining to fy 17-18,18-19  & 19-20  for the fy 2020-21   Say the income tax is B
3. The difference is extra tax payable by you for fy 2020-21  is C =  A - BÂ
4. Now  note down the income tax already paid for earlier years with your income without arrears . Say you have paid  Income tax D for fy 2017-18 , E for FY 18-19 &  F for FY 19-20 . Total Tax paid earlier is D+ E+ F = HÂ
 5. Add the income arrears pertaining to each earlier years to your income reported and calculate taxes for each year and say the new tax payable is  I for FY 2017-18 , J for fy 18-19 & K for FY 19-20  . Total tax payable now for earlier years is  I+ J+ K = L Â
6. The additional tax payable on account of arrears for previous years is M = L- HÂ
 Now under  rule 21A , you can chose  either  C or M whichever is beneficial to you . That means either you can pay total tax of A  or
 B+ M  whichever is  beneficial   .Â
  To know about  rules for tax relief  on salary arrears  , you may go HEREÂ
ADVANCE TAX CALCULATOR
ESTIMATE AND PAY ADVANCE TAX
Under Section 208 of Income-tax Act, every assessee is required to pay advance tax if the tax liability for the previous year exceeds ten thousand rupees.The Tax payable during the financial year itself is called Advance Tax .For individuals  with salary as sole source of income ,TDS  is to deducted by the employer during disbursal of salary and hence question of paying advance tax separately may not arise.  One has to include the income from interest , capital gain , rent etc  while calculating advance tax payment .Â
DUE DATE SCHEDULE FOR BOTH INDIVIDUALS AND Â CORPORATESÂ
DUE DATE SCHEDULE FOR BOTH INDIVIDUALS AND Â CORPORATESÂ
DUE DATE |
ADVANCE TAX PAYABLE |
Before 15th June 20 |
15% of advance tax |
​Before 15th Sept 20 |
​45% of advance tax |
​Before 15th Dec 20 |
​75% of advance tax |
​Before 15th March 2021 |
​100 % of advance tax |
A Resident senior Citizen is exempted  for paying advance tax  ,if he has  no income from business or profession .He can discharge his tax liability  by paying self assessment tax .Â
For calculating Advance tax Payable , CLICK HERE
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FORM 26AS VERIFY YOUR TAX CREDIT
Your employer or your banker would have deducted income tax from your salary / interest etc  and remitted to Income Tax Department . You could have also paid tax directly . Whether such amounts have gone to your account only ? Whether  there was any error  from TDS payers while remitting ? You can verify yourself  on line whether all the amounts deducted have gone to your account only .There are two methods . One method is to register at  TRACES  ( TDS Analysis and Correction Enabling System)  and you can view your tax credit form 26AS since assessment year 2019-20 .The other method is to get by your Income Tax  e- filing website https://incometaxindiaefiling.gov.in . if you have not registered  there , you can register and view your tax credits .Â
FORM 26AS WILL CONTAINÂ PROPERTYÂ &Â SHARE TRANSACTION DATA ALSO from 01.06.2020Â
 revised Form 26AS  which will contain the following data of yours now :Â
(i) Information relating to tax deducted or collected at source
(ii) Information relating to specified financial transaction
(iii) Information relating to payment of taxes
(iv) Information relating to demand and refund
(v) Information relating to pending proceedings
(vi) Information relating to completed proceedings .Â
The form 26AS is called ANNUAL INFORMATION STATEMENT . Now form 26AS will have additional data apart from Income earned , Tax Deducted at Source ( TDS ) & Tax Collected at Source ( TCS ) .   Under the specified financial transactions ,  property and share transaction data will be incorporated  .  It will also have information on payment of taxes , demand and refund of taxes . it will also reflect any proceeding from income tax department is there against you .Â
 Income tax department has now proposed to expand the list of such financial transactions in 26AS  to include the following items ( List includes existing transaction list also ) :Â
1. Payment of education fee / Donation above Rs 1.00 lakhÂ
2. Electricity consumption above Rs 1.00 lakh per annumÂ
3. Domestic business class air travel / foreign travelÂ
4. Payment of hotel bills above Rs 20,000
5. Purchase of Jewelry , painting , marble or white goods avove Rs 1.00 lakh
6. Deposits / credit above Rs 50 lakhs in current accountsÂ
7. Deposits / credit above Rs 25 lakhs in non- current accountsÂ
8. Payment of Property Tax above Rs 20,000Â
9. Payment of Life Insurance premium above Rs 50,000
10 . Payment of Health Insurance premium above Rs 20,000
11. Share / Mutual Fund transactions , Demat Aaccounts , hiring of lockersÂ
We will notify the changes here when proposal is implemented .
If you find any discrepancies  in your tax credits , you can contact the TDS  Deductors , find the reasons and get it rectified .This step will save you in future in  avoiding unnecessary tax demands from the department .Â
FORM 26AS WILL CONTAINÂ PROPERTYÂ &Â SHARE TRANSACTION DATA ALSO from 01.06.2020Â
 revised Form 26AS  which will contain the following data of yours now :Â
(i) Information relating to tax deducted or collected at source
(ii) Information relating to specified financial transaction
(iii) Information relating to payment of taxes
(iv) Information relating to demand and refund
(v) Information relating to pending proceedings
(vi) Information relating to completed proceedings .Â
The form 26AS is called ANNUAL INFORMATION STATEMENT . Now form 26AS will have additional data apart from Income earned , Tax Deducted at Source ( TDS ) & Tax Collected at Source ( TCS ) .   Under the specified financial transactions ,  property and share transaction data will be incorporated  .  It will also have information on payment of taxes , demand and refund of taxes . it will also reflect any proceeding from income tax department is there against you .Â
 Income tax department has now proposed to expand the list of such financial transactions in 26AS  to include the following items ( List includes existing transaction list also ) :Â
1. Payment of education fee / Donation above Rs 1.00 lakhÂ
2. Electricity consumption above Rs 1.00 lakh per annumÂ
3. Domestic business class air travel / foreign travelÂ
4. Payment of hotel bills above Rs 20,000
5. Purchase of Jewelry , painting , marble or white goods avove Rs 1.00 lakh
6. Deposits / credit above Rs 50 lakhs in current accountsÂ
7. Deposits / credit above Rs 25 lakhs in non- current accountsÂ
8. Payment of Property Tax above Rs 20,000Â
9. Payment of Life Insurance premium above Rs 50,000
10 . Payment of Health Insurance premium above Rs 20,000
11. Share / Mutual Fund transactions , Demat Aaccounts , hiring of lockersÂ
We will notify the changes here when proposal is implemented .
If you find any discrepancies  in your tax credits , you can contact the TDS  Deductors , find the reasons and get it rectified .This step will save you in future in  avoiding unnecessary tax demands from the department .Â
FILING OF INCOME TAX RETURNSÂ
The Article on  " TAX PLANNING FOR FY 2020-21 CONTAINS  5 PARTSÂ
PART I Â : MAJOR CHANGES IN TAX RULES FOR FY 2020-21Â Â CLICK HEREÂ
PART 2 : TAX RATES Â / SLABS FOR FY 2020-21Â Â Â CLICK HEREÂ Â Â
PART 3 : Â TAX REBATES Â Â FOR FY 2020-21Â Â Â Â CLICK HERE Â Â Â
PART 4 : Â ESTIMATE YOUR INCOME TAX / ADVANCE TAX FOR FY 2020-21Â READ THE Â ABOVE PARTÂ
​PART 5 : TAX ON RETIREMENT BENEFITS   CLICK HERE     Â
PART I Â : MAJOR CHANGES IN TAX RULES FOR FY 2020-21Â Â CLICK HEREÂ
PART 2 : TAX RATES Â / SLABS FOR FY 2020-21Â Â Â CLICK HEREÂ Â Â
PART 3 : Â TAX REBATES Â Â FOR FY 2020-21Â Â Â Â CLICK HERE Â Â Â
PART 4 : Â ESTIMATE YOUR INCOME TAX / ADVANCE TAX FOR FY 2020-21Â READ THE Â ABOVE PARTÂ
​PART 5 : TAX ON RETIREMENT BENEFITS   CLICK HERE     Â
                             NEW  ARTICLES ON  Â
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SMALL FINANCE BANKSÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â PAYMENT Â BANKS Â Â Â
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UNIFIED Â PAYMENT INTERFACEÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â BHARAT BILL PAYMENT SYSTEMÂ Â Â
BHIM APPÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â AADHARÂ Â Â
e-INSURANCE Â Account ( Â eIA Â )
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SMALL FINANCE BANKSÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â PAYMENT Â BANKS Â Â Â
                                    Â
UNIFIED Â PAYMENT INTERFACEÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â BHARAT BILL PAYMENT SYSTEMÂ Â Â
BHIM APPÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â AADHARÂ Â Â
e-INSURANCE Â Account ( Â eIA Â )
FOR INTEREST RATE NEWS , CLICK HERE                  FOR INCOME TAX NEWS ,   CLICK HERE
TO READ OUR Â POPULAR ARTICLE ONÂ FINANCIAL PLANNING FOR YOUNGÂ ,CLICK HEREÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â
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PLAN YOUR INVESTMENTS Â Â Â Â Â
   USE SYSTEMATIC INVESTMENT PLANS ( SIP )Â
TOOL Â TO AVOID Â MARKET HICCUPSÂ Â Â Â Â Â Â Â
 CLICK HERE TO KNOW  ​
TO READ OUR Â POPULAR ARTICLE ONÂ FINANCIAL PLANNING FOR YOUNGÂ ,CLICK HEREÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â
                                   Â
PLAN YOUR INVESTMENTS Â Â Â Â Â
   USE SYSTEMATIC INVESTMENT PLANS ( SIP )Â
TOOL Â TO AVOID Â MARKET HICCUPSÂ Â Â Â Â Â Â Â
 CLICK HERE TO KNOW  ​