80 C SAVINGS - WHO's NAME CAN BE DONE ,MINIMUM HOLDING PERIOD

Generally  person has some confusion about on who's name saving under section can be done and whether 80C benefit can be availed where investment is being done in the name of children or wife/Husband name or Joint name . We have consolidated  the rules which resolve the issue . After reading this post if any doubt left then ask queries in comment section .

  1. Deduction under section 80C schemes in total is available up to Rs.150000 /- including 80CCD and 80CCC
  2. Addition deduction of Rs 50000/- available for NPS under section 80CCD(1B)
  3. The limit of one lac as above is total limit u/s 80C for all type of savings ,plus section 80CCC(pension policy) plus u/s 80CCD(Contributory Pension Plan).Means the aggregate amount of deduction under above referred sections can not exceed Rs. 1,50,000.
  4. PPF limit of 150000 is not as per income tax act but specified under ppf scheme more over the limit is combined for individual plus minor child.
  5. Accrued interest on NSC is also available for rebate for first five year
  6. Holding period has been either defined under income tax or under scheme qualified in for deduction u/s 80C

80c saving



Scheme particulars
Available to 
Can be for
amount cap
Holding period
HUF
Member of family
10% of Sum Assured
INDIVIDUAL
do
Non -Commutable deferred annuity
INDIVIDUAL 
spouse,own,children (major or minor,dependent or not)
Nil
Nil
Deferred Annuity deducted by Govt
INDIVIDUAL 
spouse,own,children (major or minor,dependent or not)
20 % of salary
nil
Statutory provident and recognised Provident fund
INDIVIDUAL 
Individual only on his own name
nil
In case of Rpf 5years
INDIVIDUAL 
150000
National Saving Certificate
INDIVIDUAL
HUF
 
own name
nil
nil
Ulip of UTI and LIC mutual fund(Dhanraksha)
HUF
Member of family
nil
5 years
-DO- INDIVIDUAL 
spouse,own,children (major or minor,dependent or not)
do
do
specified tax saving mutual fund
INDIVIDUAL
HUF
own name
nil
3 year
INDIVIDUAL
HUF
own name
nil
5 year
tuition fees
INDIVIDUAL 
any two children
nil
nil
specified fixed deposit with scheduled bank
INDIVIDUAL
HUF
own/joint name first name must be assessee
nil
5 year
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you can comment on above link is given below for comment.

COMMENTS

BLOGGER: 207
  1. PPF limit is 1 lac (notes #3), not 70000 as mentioned the table.

    ReplyDelete
  2. I have availed a housing loan with another person as co-borrower. The property is registered in my name. Now as I have retired from ervice, the co-borrower is repaying the instalments. Whether he can claim "Deduction u/s 80(c) for the repayment of housing loan and
    interest u/s 24. The rent recd from the above property is also
    being credited to his account only

    ReplyDelete
  3. Dear KVBRSK

    Other person can not claim deduction u/s 80C as house property is not in his/her name

    ReplyDelete
  4. Thanks for the detail, still i have a clarification,
    My mother in law gets rental income from her owned property and pays LIC premium for my child and also PPF in my wife's name. whether she can claim these as deductions from her income ?

    ReplyDelete
  5. Dear Anoy

    Your Mother-in-law is not eligible to claim deduction u/s 80C for Lic premium paid for your children.

    However for ppf deposited in your wife's name ,she can claim deduction u/s 80C from her Income

    ReplyDelete
  6. I have querry regarding tax benefit under sec 80C , if investment is made in other persons name. Unfortunately I have lost my son in a railway accident. His wife is staying with us . My son had earlier taken a LIC policy in her name and he paid the premium. Now if I pay the LIC premium whether I will get the tax benefit under sec 80C.- ggd

    ReplyDelete
  7. Dear anoy

    Unfortunately you can not claim deduction u/s 80C for Lic premium paid for son's wife(Daughter in law)

    ReplyDelete
  8. I put some amount on my wife name under 80c fixed deposit?Can i claim under 80c?

    ReplyDelete
    Replies
    1. No, you can not , however you can open fd on joint name , first holder name must be yours

      Delete
  9. lic premium paid for parents lic is allowable deduction

    lic premium paid for married daughter is allowable deduction

    ReplyDelete
    Replies
    1. 1. lic premium paid for parents lic is not allowed
      2. lic premium paid for married daughter is allowed

      Delete
  10. Can a minor child qualify for deduction u/s 80 c in his own IT file paid out of the father income

    ReplyDelete
    Replies
    1. Income of minor is to be clubbed with parents income .If minor has there own income then he should invest of their own funds

      Delete
  11. Hi can my mother take an insurance policy in my wife's name and claim 80c excemption?

    ReplyDelete
    Replies
    1. No ,your mother can not claim this deduction by taking life insurance policy on your wife name .

      Delete
  12. can one only get benefits if invested in lic or any funds ?? i mean if i open a recuring account or i do fd in bank will i get tax benifet ??

    ReplyDelete
    Replies
    1. Dear Manish ,

      You have not gone through the complete list given above, FDR at bank taken for 5 year and above (its called tax saving FDR)can also be taken u/s 80c.Pls check complete list at here

      http://taxclubindia.com/simple/80c.pdf

      Delete
  13. Dear Rajan,

    Under 80C, my wife has some investments. When summed up with PF does not exceed 1 lakh rupees.
    Similarly, I have some investments, when summed up with PF exceeds 1 lakh.
    IF both of ours investments and PF clubbed together, reaches 2 lakhs.

    While claiming, can I show her investments, and she do the same of mine?

    Thanks!

    ReplyDelete
    Replies
    1. Dear Neeraj,

      You can do so if you/your wife have paid in cash .If paid through cash then it is difficult to prove that the same has been paid on other's behalf.
      Further use this trick only where income is exempted like pf /Life insurance or expenses like tuition fees etc

      Delete
  14. I am paying the LIC premiums on the life of my parents who are dependent on me. Should I get the deduction u/s. 80C of the Income Tax Act, 1961.

    ReplyDelete
    Replies
    1. No deduction available on premium paid parent's name even they are depended on you...

      Delete
  15. According to above table. Tax saving investments in Mutual fund's ELSS in the name of minor is not available under deductions. Is it? Please clarify.

    ReplyDelete
  16. if the LIC is taken by the husband and both Husband and wife are insured , permium is paid from wifes account,
    both are earning members,
    who will get 80C deduction?

    ReplyDelete
    Replies
    1. the person who has paid the premium can avail deduction , in this case wife has paid so she can claim 80c deduction

      Delete
  17. Working wife needs an option for 80C, can she use Husband's PPF account, put money and claim or needs to have her own PPF account?

    ReplyDelete
  18. hii rajababu .. thanks for sharing.. your knowledge with us...

    ReplyDelete
  19. Can I claim 80 C deduction for the policy amount in my son's name , who is employed in U S A

    ReplyDelete
    Replies
    1. yes you can do so , As per income tax act no bar on it...However please also inform insurance company also.

      Delete
  20. Can i get tax rebate on lic premium paid for my brother who is not earning ?

    ReplyDelete
  21. Myself and my wife both are earning members. My wife's income is 2.5 lac per annum plus interest from FD - Rs 29000 per annum (on which no tax is charged by submitting form-15G).I fall under 30% tax bracket.If I invest Rs 1 lac in my wife's PPF account, can she claim Rs 1 lac as investment under 80c, and avoid any tax.Please note that all her income is put in FD in her name and I invest in her PPF (PPF account is in her name)account. Please advise whether it is OK or my wife should invest in PPF from her account only.

    ReplyDelete
    Replies
    1. If money is deposited by you then you can claim deduction u/s 80C not your wife,subject to overall limit given in section 80C ie 1 lakh.

      She should invest in ppf account from their own account to claim deduction under 80C

      Further she can not give 15G form as per rule , so she should avoid to do it again in future .

      15G can only be submitted if income is less than exemption limit

      Delete
  22. Understood the first point.

    For second point,her taxable income is 2.4-1 (under 80C like PF and other investment)- .024 (professional tax)= 1.37 lac per annum, which is below min tax slab.
    In view of that why 15G cannot be submitted. It would be very helpful if you could please explain.
    thanks for your kind help.

    ReplyDelete
  23. Yes ,I have given incorrect remarks by taking your wife's income only from interest =2.5 lakh . The below answer is also given on the assumption that your wife's income is only from interest .
    ===================================
    As per Form 15G two conditions are to be satisfied
    1)First , Tax on total income is nil and
    2. Income from interest etc (for which 15G is to be submitted)is less than maximum exemption limit. (1.9 Lakh in fy 2011-12 for female)

    Both the condition must satisfied.In case of your wife ,first condition is ok that nil tax is payable , but second condition is not satisfied ,as her income from interest is more than 2.5 Lakh so she can not furnish 15G.

    ---------------
    Correct answer as per facts given by you : your wife can furnish form 15G

    ReplyDelete
  24. i am having 2 term deposit one of 50000 of cantax and another 3 lakhs for 4month which matured in april 12. the bank deducted tds . so wether i have to pay again on interestor not

    ReplyDelete
    Replies
    1. Bank has deducted the tds @ 10 % only . You should add bank interest to your income and calculate your tax on total income including your interest income after tax calculation claim tds credit from your total tax .

      In brief you have to pay for short fall if any .

      Give your income details ,so that we can give you specific advice

      Delete
  25. Dear Sir,

    Kindly advice me,, Actually I have paid LIC premium amount Rs. 12972 for past 3 years .

    In that, Sum Assured is Rs. 1,00,000
    Single Premium is Rs.3836 ,so for 3 years are Rs. 11,508.

    Under 80C how much exemption will be allowed: 11,508 or 12972(inclusive of interest).

    ReplyDelete
    Replies
    1. in my opinion 11508 , penalty is not allowed

      Delete
  26. Dear Sir,

    I am having a LIC policy against my name but the premium is paid by my mother , can I get the rebate under section 80c.

    Please do note.

    1. My mother is not dependent on me.
    2. LIC policy is against my name.
    3. The premium was paid by my mother.

    ReplyDelete
    Replies
    1. No you can not claim benefit u/s 80C as premium has been paid by your mother . However your mother can claim

      Delete
  27. just wanted to add that I am salaried employee..

    ReplyDelete
  28. Hello Sir,

    I want to buy NSC on behalf of my sisster's minor Kid( 2 years). If I buy nsc in this situvation, Whether rebate of income-tax under section 80C will be available for me?. Some accountents says, you are eligibile since the amount has been pain from my income. Kindly guide me

    ReplyDelete
    Replies
    1. nOT AVAILABLE, NSC must be in your name only

      Delete
  29. Hello Sir,

    I have a LIC policy in my name, the premium(13250/-) of which has been paid thru my bank a/c and i have not availed any tax benefits on the same.

    Can my mother take tax benefit against this under section 80C?

    ReplyDelete
    Replies
    1. No, person who has paid the amount can only take benefit. if the amount has been paid by your mother then it can be claimed by her

      Delete
  30. Can we claim LIC deduction for Grand children paid by Grandfather

    ReplyDelete
    Replies
    1. No ,person can not claim 80C benefit for Lic premium paid for policy taken on grand children name

      Delete
  31. I have made 2 LIC policies in the month of Jan'12. My company had already deducted the tax from my account till then. How will I claim a rebate(return) from the deducted tax. Please let me know which form I have to use, today is the last day of submission.

    ReplyDelete
    Replies
    1. Yes you claim benefit of Lic premium paid even it has not been considered by your employer.

      read here

      http://www.simpletaxindia.net/2012/07/e-filing-income-tax-return-common.html

      Delete
  32. Kindly Inform me whether is it poosible to have a joint name with my parents for Tax saving Fixed deposit.

    ReplyDelete
  33. hey... can my mom do fd on my name in bank of RS.10 lakh to avoid tds....i also work n my income is not taxable....my age is 19....

    ReplyDelete
    Replies
    1. Yes, she can ,but this amount should be given to you as gift.and Income from FD will be added in your income

      Delete
  34. If I have take a LIC policy for my childrean with my wife's name , Can i claim 80C benefit.

    ReplyDelete
  35. If you are paying for it, then yes you can take the benefit

    ReplyDelete
  36. I have few investment under 80c for IT benefits which I am not able to use since already 100000/- filled with other deduction. Can my wife use those LIC investment for for taking benefits under 80C ?
    Pankaj

    ReplyDelete
  37. if your wife has paid your insurance policy's premium then she can claim deduction u/s 80C

    ReplyDelete
  38. contribution to lic premium of a married dauthter. does this item eligible for deduction u\s 80c

    ReplyDelete
  39. YES ,this item eligible for deduction u\s 80c




























    ReplyDelete
  40. I want to invest in some tax benefit fixed term deposits on my son and wife name. Can i submit these under 80C in my company as investment proof?

    ReplyDelete
    Replies
    1. Your should either buy on your name or joint name and first name should be your .But to avoid complacency you should invest on your name only

      Delete
  41. If I have taken policy for my father. If I am paying money for policy can I show for tax saving

    ReplyDelete
  42. Mr.Raja babu, I appreciate the way you are answering to all question, I need to ask you one question.
    I have 20 Lakhs LIC policies (paying annually 75000 INR) and Iam getting 12 Lakhs salary annually, so how much amount i can save from my income tax under 80C?

    ReplyDelete
  43. I got answer for my question myself, i,e., just because of investing 1 lakh under 80C, my taxable amount will be considered as 11 Lakhs instead of 12 Lakhs. Isnt't it? max limit is only 1 lakhs, what ever amount above 1 lakh for LIC that cannot be considered for saving of income tax. so what can i do to save remaining taxable amount?

    ReplyDelete
  44. My sister is having SBI ULIP plan and she is unmarried.I am paying her annual installment of Rs. 100000. So can i get tax benift on the same?

    ReplyDelete
  45. Pravin
    Me and my wife have Housing loan jointly and property also registered installment also paid from joint bank ac. can we both show this for tax saving.

    ReplyDelete
    Replies
    1. yes ,both of you can claim house loan benefit in ratio of your share in property

      Delete
  46. I have policy on my wife's name, I am paying the premium, She is not working anywhere and hence no way to declare that amount for exemtion. Can I avail benefits on it?
    Also I am paying premium for my mother and father and I am the nominee for these policies, can I avail benefits on it?

    ReplyDelete
    Replies
    1. yes, you can claim premium paid for your wife's policy as deduction u/s 80C ,however for father and mother's policy you can not claim deduction

      Delete
    2. Thanks Raja Babu for your help.

      Delete
  47. I have opened a PPF account recently. Can my wife open one in her name and I deposit money into it. She is a house wife. Do not have any income.

    ReplyDelete
    Replies
    1. yes you can deposit amount in your wife's ppf account and can claim deduction u/s 80C ,however total limit remains 100000 u/s 80C.

      You can deposit one lakh each in both he accounts and can earn interest free income.

      Delete
  48. My husband has one ICICI & one LIC policy and is not employed, If i do the payment of that policy then Can I submit his ICICI & LIC documents & claim a tax deduction under sec 80c and How?

    ReplyDelete
    Replies
    1. yes,you can pay premium of these policy and can claim deduction u/s 80C , premium receipts and paid by me certificate by you is enough to claim deduction

      Delete
    2. Thank you sir for giving me help but can you please let me know also what is paid by me certificate?

      Delete
    3. Sir, one more thing can you please let me know that if LIC payment is done by my credit card but payment of that card by my husband's saving account and he will not claim for the same then what will be the procedure for claiming for me....Thanks in advance!

      Delete
    4. why are you complicating things,just deposit premium through your cheque and claim deduction.In above situation you can claim deduction if you refund money to your husband now.

      Delete
    5. paid by me certificate means just write on receipt that payment has been made by me

      Delete
  49. I have a ELSS on my name, that i have shown for tax exemption. Can My wife also provide that doc for the tax exemption. We both are working.

    ReplyDelete
    Replies
    1. Not at all , same document can not be used , however your wife can invest in her own name.

      Delete
  50. I had invested in life insurance on my husband’s name this financial year. I had transferred this amount to his account online, and he had made the insurance premium payment through his credit card, whose bill was paid online through his saving’s account online. What investment Proofs do I need to submit to claim deduction under Section 80 C?

    Also what proof do I need to submit for investment in PPF in his name. The payment was made through his cheque?

    ReplyDelete
  51. I have taken a LIC policy in my name and the nominee is my mother. Can I claim 80 C deduction for the LIC policy?


    ReplyDelete
  52. we both husband and wife are working, Can I claim 80 C deduction for my husband LIC policy?

    ReplyDelete
    Replies
    1. If you have paid the premium than you can claim

      Delete
  53. What proof can i show for tax benefit if I pay my husbands lic premium

    ReplyDelete
    Replies
    1. Lic premium receipt and certificate on photo copy that payment has been made by you .

      Additionally you can provide bank statement photo copy if payment has been made through cheque

      Delete
  54. Can i pay my wife's premium through my credit card and claim income tax deduction ?

    ReplyDelete
  55. hi,
    please let me know, what are all the savings can be made in my wife name to get tax benefit.
    As i know, LIC & NSC can be taken in wife name and it can be claimed for 80c, is PPF also can be claimed.

    ReplyDelete
    Replies
    1. NSC can not be purchased on wife's name to claim 80C benefit

      Delete
  56. can i avail this benefit(RGESS) both on my name and wife name? she is a house wife

    ReplyDelete
  57. Can i get the benefit under section 80C (LIC Premium), if i paid the premium for my friend????

    ReplyDelete
  58. LIC premium paid by father for his major sons policy.
    Can the son claim 80C deductions

    ReplyDelete
  59. I have 2 policies , out of which One is Max new yORK ulip having annual premium of 16000 and second is LIC jeevan Saral having premium 12000 annual . So my question is how much tax could I save from this paid premium? Thanks in Advance

    ReplyDelete
    Replies
    1. It depends on , which slab of income tax is applicable to you , if 10 % then tax saving will be 2800
      20% then tax saving will be 5600
      30% then tax saving will be 8400.

      if no tax applicable on you then no tax saving at all.

      Delete
  60. please suggest if have pay my parent lic premium, shall i get the rebate for the same.

    ReplyDelete
  61. You can't get rebate if u paid premium for ur parents..

    ReplyDelete
  62. I have annual LIC premium payment on 10th feb each year.can I claim tax benefit in FY 2013-2014 for premium paid on 10th feb 2013?

    ReplyDelete
    Replies
    1. no you can not .If you pay the premium in Fy 2013-14 then it can be claimed in 13-14

      Delete
  63. I am a salaried individual in 20% tax bracket. My wife is housewife with NIL income. Can I gift her 1 lac to invest in her PPF account. This is not for 80C benefit. This is to avoid Clubbing of income (on gift to spouse) for the interest gained from PPF on maturity. Since PPF is EEE.

    ReplyDelete
    Replies
    1. YES ,this is a valid tax planning ,you can do like this.

      Delete
  64. Hi If i buy NSC bond in the name of my child who is minor, will i get tax exemption?

    ReplyDelete
  65. recurring deposit in a nationalized bank for 5 years can be shown as a savings for income tax

    ReplyDelete
    Replies
    1. NO RD is not eligible for tax saving ,further even not all FD having period more than 5 years eligible under 80C.
      Banks have created separate special FDR for tax savings .

      Delete
  66. I have an owned house and i am claiming the rebate for Principal and Interest of Housing loan. I dont stay in this property any more and has been let out since last 3 months. The rental agreement is made between my wife and the tenant and the rent is actually transferred to my wife's account. Can she show this income in her income tax profile? We have taken up a rented house in another place in the same city for which i am also paying a rent.

    ReplyDelete
  67. I have open 2 Post-office 5 year Time Deposit TD on my child name (minor age is 6 month). Now I want to know whether I can claim the tax benefit for this investment under 80 C? TD is in minor name and I am the guardian as per the TD. As per company, they have rejected this investment claimed by me. They says, it should be in your name.

    ReplyDelete
    Replies
    1. In our opinion also ,deduction is not available to you .But we have no circular/ notification in support of our answer

      Delete
  68. Hi Raja Babu,

    I am paying the LIC premium for my wife, I paid via Cash and/or my Credit Card, the policy is on her name the digital receipt is issued in her name, my name is not seen no where in the receipt or the credit card transaction reference is not seen in the receipt. How can I claim for my tax benefit? please advise.

    ReplyDelete
  69. Hi,
    Me and my husband are employed and both have to pay tax. My husband is having an LIC in his name, he is paying the premium and he is claiming it. So can I also claim the same LIC for tax exemption?

    ReplyDelete
  70. Hi,
    Me and my husband are employed and both have to pay tax. My husband is having an LIC in his name, he is paying the premium and he is claiming it. So can I also claim the same LIC for tax exemption?

    ReplyDelete
    Replies
    1. You can claim the premium of LIC of your husband only if the same has been paid by you.In above case premium has been paid by your husband ,so only he can claim the deduction.

      Further , in future if premium is paid by you for the same policy then you can claim the deduction.

      Delete
  71. Hi,
    Even my question is also the same. I want to claim my husband's LIC policy. In the policy my name is not mentioned anywhere. Can i claim it? and LIC policy is paid by my husband only through on line. But in the payment acknowledgement there is no where mentioned who has paid the policy. Can I still show it?

    ReplyDelete
    Replies
    1. As replied above ,you can not claim deduction if the amount is not by you .Further in our view you should not claim the deduction if the payment has been made by your husband online irrespective of payee name shown on the receipt or not.

      Delete
  72. I have an ICICI Policy. The Policy is on my Name. But proposer for the policy is my Father. Can I show that for my Tax Savings under 80C ??

    ReplyDelete
    Replies
    1. No restriction has been placed under Income tax act that benefit can only be claimed by the proposer of the policy .if you have paid the premium then you can claim deduction on Your(this) policy.

      However if premium has been paid by your father then only your father can claim deduction

      Delete
    2. I have paid the premium. But on Policy Receipt I can see that Policy Holder name is mine and Proposer is my Father.. So Can I show that for my Tax benefit ?

      Delete
    3. In the receipt given to me.. There is a name of my Father (who is a proposer). I am not seeing my name in the receipt. Then how can I show that receipt for my Tax saving ?

      Delete
  73. I have an ICICI Policy. The Policy is on my Name. But proposer for the policy is my Father. Can I show that for my Tax Savings under 80C ??

    ReplyDelete
  74. I have paid the premium. But I can see on the receipt that Policy holder is myself and Proposer is my Father. So I can show that for my Tax benefit ?

    ReplyDelete
    Replies
    1. As mentioned above proposer name does not matter as per income tax rules.As you have paid premium for your own policy you can claim the deduction ,no doubt about it

      Delete
    2. I have paid the premium. But on Policy Receipt I can see that Policy Holder name is mine and Proposer is my Father.. So Can I show that for my Tax benefit ? - See more at: http://www.simpletaxindia.net/2008/02/saving-under-80c-whose-name-can-be-done.html#comment-form

      Delete
    3. I have paid the premium. But on Policy Receipt I can see that Policy Holder name is mine and Proposer is my Father.. So Can I show that for my Tax benefit ?

      Delete
    4. yes ,you can claim the deduction as you have paid the policy premium even if your father's name is shown as proposer .

      Delete
    5. So I can submit that receipt with my fathers name in this ? Beacuse in receipt mu name is not mentioned anywhere in that receipt.

      Delete
  75. My Finance Deptt. is saying that in your receipt your name is not there, so It is not valid

    ReplyDelete
    Replies
    1. Policy is in your name and you have paid the premium ,so your finance department should accept this .

      In case of tuition fees name is shown of son but father can claim deduction .Further there are many other example like deposit of money in wife's PPF account /son's PPf account

      Delete
  76. Can i claim NSC issued to my wife for my savings under section

    ReplyDelete
    Replies
    1. No you can not claim deduction on nsc on wife's name even money is given by you

      Delete
  77. Can I claim tax exemption for paying LIC premium for my brother? He's doing his Btech and so depends on me.

    ReplyDelete
    Replies
    1. No you can not claim deduction for lic premium paid for your brother,s Life insurance policy

      Delete
  78. whether amount deposited (in any scheme) in grand children's name is exempted under 80c ?

    ReplyDelete
  79. I have paid my son's tuition fees but since I already have other investments exceeding 1.5 lacs, can my wife claim the child tuition fee deduction since her investment is less than 1.5 lac. Both of us are earning.

    ReplyDelete
    Replies
    1. Your wife can claim ,if she can proves that payment has been made by her not by you.

      To prove it ,payment must have been made in cash and your wife must have cah to pay it

      Delete
  80. Thanks for the detail, still i have a clarification,
    My wife working and getting salary from govt. sector, She wants to open PPF account in my name. but in that PPF application there no any third person i.e husband / spouse or any other Name except child. still is there any provision/option can avail this saving amount under 80C tax benefit in her NAME?

    ReplyDelete
    Replies
    1. Account will be opened on your name .However your wife may deposit money in your account and claim deduction accordingly.Further you can also deposit in your own account and claim deduction .

      Total contribution as per present rates can not be more than 150000

      Delete
  81. HI,

    I have a policy with my name and nominee is my wife. she is government worker and i work in private sector. As per above comments, If my wife pay the policy amount through her account then she can get the tax benefit. Please confirm?

    Thanks in advance.

    ReplyDelete
    Replies
    1. Yes , she can claim 80C benefit ,if she has paid the premium of your policy

      Delete
  82. I have one policy with my name and nominee of that policy is my wife. We both are working. I am in private sector and she is govt. worker. As per aboce discussion, If she pays the policy amount through her account (cheque) then she can get the tax benefit. Please confirm?

    ReplyDelete
    Replies
    1. If your wife pays the policy amount through her account (cheque) on policy taken on your name then she can get the tax benefit .

      Your above point is confirmed

      Delete
  83. Dear sir,
    I am paying lic premium amount of 30000/- for six months. I paid 30000 in the month of Feb 2015.this is my 1st premium Again my next premium is to be paid in August 2k15.Now how could I claim tax deduction for an amount of 60000 in the financial year 2k15-16

    ReplyDelete
    Replies
    1. pay next installment of Rs 30000 in feb 2016 ,then you can claim 60000 in FY 2015-16

      Delete
    2. thank you sir

      Delete
  84. Sir, I did not understand "PPF limit of 150000 is not as per income tax act" Please can you elaborate (Please refer Point no 4 above in your Topic...

    ReplyDelete
    Replies
    1. We want to say that 150000 Limit is prescribed under PPF act also.We have written this point when PPF limit was 70000 and 80C limit was 100000.

      Delete
  85. Dear Rajan Babu sir,
    I already chosen my companies own pension option. Now I have opened NPS account in the name of my wife. Can I avail tax benefit maximum of Rs.50000/- under section 80CCD(1B) for the NPS payment made by my wife's NPS account.

    ReplyDelete
    Replies
    1. No , you can not claim deduction for NPS on the name of your wife

      Delete
  86. Dear Rajan Babu sir,
    I already chosen my companies own pension option. My age is 37, If I open NPS account in my name, maximum tax benefit of Rs.50000/- under section 80CCD(1B) is claimable or not? for the payment made my NPS account.

    ReplyDelete
    Replies
    1. yes , you can claim 50000 deduction under section 80CCD(IB)

      Delete
  87. Hi Sir,

    How can i claim/declare the amount without bills under 80C?

    Thanks

    ReplyDelete
    Replies
    1. Could you plz reply for my Q.

      Delete
  88. Dear Sir,

    Myself employed...my father has taken loan on our own house(House is on my father name).
    can i able to get the tax benefit for the loan amount (or) loan interest??

    Thanks

    ReplyDelete
    Replies
    1. No , you can not claim ,to claim loan house must be on your name as well as loan should also be taken by you

      Delete
  89. Hello Sir,

    I have sold my ancestral agricultural land. Now to get exemption from long term capital gain I want to invest that money in to buying other property. Can I buy that property on my wife name and claim as tax benefit in my annual return.

    ReplyDelete
    Replies
    1. There is no capital gain on sale of rural agriculture land ,however if you have sold urban agriculture land then No ,investment in new House can not be made in your wife.s name & must be in your name only

      Delete
  90. Hello Sir,
    If I pay the premia for my wife's LIC through my account via netbanking can I claim tax benefits? The receipt would be in her name! Would bank statement be a proof for the payment?
    Thank you in andvance.

    ReplyDelete
    Replies
    1. yes , you can claim deduction ,show bank statement as proof or write "paid by me " on photocopy

      Delete
    2. One more query - I paid the premia from my wife's account during last year. She is a housewife. So, I do not have any proof that I made the payment ACTUALLY. Is there a way out to claim tax relaxation? Thank you.

      Delete
    3. Means you have paid through CASH ,even then you can claim deduction ,however make sure that you have withdrawn cash from bank date earlier than payment of premium and have sufficient balance to pay the premium

      Delete
  91. I think I made a mistake. I deposited the amount in her account and then paid the premium from her bank account via net-banking. I had to do so, because LIC website says receipt would be generated only in the name of the policy holder irrespective of the account from which the payment was made.

    ReplyDelete
    Replies
    1. yes , now it is difficult for you to claim the deduction

      Delete
  92. But I have the proof that I have deposited amount in her account.

    ReplyDelete
    Replies
    1. We say difficult not impossible , if you can prove then no issue but in this "chakkar" you have to show your bank accounts and ITO may ask about other entries also ,which may leads to other problem .

      so It is your choice , if you have complete records then claim ,otherwise leave it

      Delete
  93. You are very right. Thank you very much.

    ReplyDelete
  94. Hi, Whether LIC policy premium of husband be paid using wife's credit card? Wife is not a earning member. If so paid, whether husband can claim deduction in his returns u/s 80c on the premium so paid?

    ReplyDelete
    Replies
    1. why persons are complicate things himself ?
      The premium paid is allowed only if husband can prove that the amount has been ultimately reimbursed by him to his wife.
      But our advice is not to involve in such transactions

      Delete
  95. Hi , Sir, Good day, Whether as per 80C, if insurance premium paid to wife and children is allowed for Tax exemption 1.5 lac limit, even wife is working.

    ReplyDelete
    Replies
    1. Yes , Life insurance premium is allowed in respect of wife and children whether they are dependant or not.So you can claim deduction of wife's insurance premium even she is working (earning income )

      Delete
  96. please explain how much taken as the dedction under 80 c for house loan if i repayment of the amount of 200000 in one time instead of principal amount.

    ReplyDelete
  97. Dear Sir,

    I am 73 old, Can i take Tax Benefit on my Son's LIC Policy? I am not the proposer of that policy.

    ReplyDelete
    Replies
    1. Yes , you can take benefit ,if you have paid the premium of your son's life insurance policy

      Delete
  98. Hi,

    My husband paid LIC on my child's name with nomination as his name. He is not claiming them in his IT. Can I claim it under my name?

    ReplyDelete
  99. I have purchased property in My and Wife's name and loan from LICHFL where Wife is the primary applicant and I am co-Applicant. She is a housewife and has no income. The EMI is paid from my salary account only. Can I avail the benefit and tax savings even though I am a co applicant?

    ReplyDelete
  100. Hi
    I have bought lic policy on my wife name who is a housewife. Premium has been paid through a joint account where i am secondary holder. Wife is primar holder of account. Premium receipt is on her name. Can i claim it under 80(c)? If yes then how?

    ReplyDelete
    Replies
    1. you should have deposited it from your own account to claim the deduction . However as your wife is housewife and does not have any income (assumed ) so all the money deposited in her account is deposited by you ,so you may claim the deduction this year.Further the name on receipt is issued on policy holder name ,to claim the deduction you should give self declaration on receipt that money has been paid by you .

      Delete
  101. The account is jointly held. She is primary holder. I am secondary holder. So can i claim 80(c)?

    ReplyDelete
  102. SIR I AM A GOVT EMPLOYEE MINE BENEFITS EXCEEDED 1.5 LAKHS.I AM PAYING PLI CAN MY HUBY WORKING AS DOCTOR USE MY PLI IN HIS TAX PROFILE

    ReplyDelete
  103. SIR I AM A GOVT EMPLOYEE MINE BENEFITS EXCEEDED 1.5 LAKHS.I AM PAYING PLI CAN MY HUBY WORKING AS DOCTOR USE MY PLI IN HIS TAX PROFILE

    ReplyDelete
  104. Sir, I hav lic Policy on my name . Premium is Paid by my credit card and card payment is done by my wife saving account. Can she claim the tax benefit by paid by me certificate.

    ReplyDelete
  105. I would like to know whether my wife can use my LIC premium certificate to save incomtax?

    ReplyDelete
    Replies
    1. yes , she can, if she has paid your policy premium from her money cash/bank

      Delete
  106. Dear sir policy is on my name.my mother and me both are tax payer can we take the tax benefit claim on same policy number in different years.last year my mother has taken benefit can I take tax benefit on same policy number in current year.

    ReplyDelete
    Replies
    1. YES ,YOU AND YOUR MOTHER CAN CLAIM DEDUCTION FOR SAME POLICY IN DIFFERENT YEAR ,FURTHER IN SAME YEAR ALSO IF PREMIUM IS PAID PARTY BY YOU AND PARTLY BY YOUR MOTHER

      Delete
  107. Hello,
    I have an LIC policy in my wife's name.
    I have paid the premium online by bank transfer from her account.
    She is unemployed and doesn't file ITR.
    Can I claim tax rebate on that premium?

    ReplyDelete
  108. Yes you can. LIC premium can be paid and claimed u/s 80c for spouses.

    ReplyDelete
  109. can we get deduction for post office deposits u/s80c on the name of spouse

    ReplyDelete
  110. Hello,

    I have two questions and seek your advice...

    1. Can I gift Rs 1.5 lakh to my major daughter and further can she invest this gifted money into her PPF account AND then can she claim benefit under 80c?

    2. If the above proposal is legal, then can i make this gift to my major daughter by bank transfer?

    Thanks

    ReplyDelete
    Replies
    1. From your query it seems that your daughter has some taxable income , so it is better that your daughter should deposit money from her income and retain your gifted money as she wish.

      So In our view one to one matching with gift and investment should be avoided .

      Delete
    2. Thanks for the reply.

      My daughter is a student with NO income, however, she is a major and has her own PAN card.

      I view of the fact that she has no income of her own, would my proposal above be legal?

      Indeed, in veiw of no income, claiming 80c deduction is purely an academic question only, but with the intent of establishing its legality.

      Thanks.

      Delete
    3. In our view this question does not have academic value also as person having nil income can not claim 80C deduction

      Delete
  111. Sir, I pay my LIC premium by CASH. can I claim it 80C deduction ? Is it compulsory premium paid by any mode other than cash ?

    ReplyDelete
    Replies
    1. you can pay premium in CASH and claim 80C deduction .The rule "any mode other than cash " is applicable in case of section 80D

      Delete

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SECURITIES,5,(MNP),2,(TDS)2007-08,1,`,1,01.07.12,23,01.09.2008,1,01.10.2012,2,06.07.2009,3,07.08.2012,1,1 PERCENT EXCISE ITEMS LIST,2,1 sep,1,1% excise,2,10 year nsc,7,10(10C),1,1000 court cases judgements supplied to ITO,7,1000 rupee note,3,11-2008,1,11-2010,1,130 items,1,14.08.2008,1,15 august,2,150 Rs coin,2,15g,12,15h,13,18-12-2009,1,192(1A),5,192A,2,194 I,3,194A,5,194c from 01.10.2009,7,194H,6,194j,14,194LC,3,1981-2007,2,2% cst,1,2% excise,1,2004,1,2008,1,2008-09 FY,1,2010,2,206AA,14,234A 234B 234C,10,234c interest calculator,11,234E,15,234F,2,23AC,1,23ACA,1,23B,2,24C,3,24q annexure II,4,25 paisa coin,1,271(1)(c),5,271B,2,271H,3,272B,1,27A,1,280,5,280 challan,4,281,4,282,2,283,2,29 AUGUST,2,29.04.2010.,1,29/08/2008,2,29/2008 service tax,2,2g meaning use,1,3 idiots,1,30 MARCH,4,31st March,18,32-2010,1,33 of 2009,1,35(2AA),1,35(2AB),1,3CD,18,3g meaning use,1,40(b),3,43B,4,44 AB EXEMPTED INCOME,1,44AA,1,44AB AGRICULTURE,2,44AB new limit,28,44AB NON RESIDENT,3,44ad,17,46/2012 45/2012,1,49C,1,5 day week,1,5 years post office deposit,5,5/2011,1,50 paisa coin,2,500-1000 notes banned,128,54b,19,54EC,27,54ee,1,54f,21,54gb,1,5th paycommission punjab,1,6 % excise,1,6 crore advance limit,1,6/2005,1,69/2010,1,6th cpc,5,6TH PAY COMMISSION,6,70% of pan etds,7,7th Central Pay Commission,12,8 tips to save tax,2,80C,86,80ccc,3,80CCD,13,80cce,2,80CCF,18,80CCG,6,80d,10,80DDB,13,80EE,3,80G,5,80GG,8,80GGA,6,80GGB,1,80ggc,1,80tta,3,80U,1,85% of pan etds,1,86/2008 DATED 13-08-2008,1,87A rebate,5,89(1),14,89(1) relief calculator,12,9.5 % rate for private epf,8,92E,1,95% of pan etds,5,98 dated 04/01/08,1,aadhaar,17,aakash tablet,1,aam admi,1,aar,2,Aayakar Sampark Kendra,1,abatement,13,abolished,1,ACCOUNT PAYEE DRAFT,2,Accounting,1,ACCOUNTING CODE,11,accounting code for services,6,ACCOUNTING FOR GOVT GRANTS,3,accounting standards,12,ACES,10,ADD IN,1,Add-Ins,2,additional relief in budget 2010,1,adjustment of advance FBT with advance Tax,2,advance rullings,1,advance 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services,1,defective return,4,defence officers,1,defence pay,1,defence pay scales,2,DELAY IN FILING,3,delete ledger in tally,1,DELHI HIGH COURT,11,demat,4,deposit tax of two quarter in single challan,3,depreciation,15,depreciation on car,3,depreciation on commercial vehicle.,2,DEPRECIATION ON INTANGIBLE ASSETS,3,depreciation rate,13,depreciation rate 2009-10,3,DETAIL AFTER E FILLING,1,DETAIL OF TIN,1,Determination of value,1,DIFFRENT TYPE OF TAXES,1,digital signature,10,din,4,direct payment in bank account,1,DIRECT SUBSIDY,10,direct tax bill,6,direct tax changes in budget,20,direct tax code,39,direct tax code 2009,6,dis,1,Disability insurance,3,discussion Paper,4,distribution of salary,2,dividend distribution tax,2,dividend striping,1,dnd,1,do not call.,1,document identification number,1,document ientification number,1,documents required for service tax registration,5,domestic transfer pricing,5,donation,2,dot,1,double taxation,1,dow jones,1,download,1,download 89(1) relief calculator,7,download direct tax code 2012,10,download form 16A,7,download fvu,28,download idfc INFRA BONDS FORM,1,draft reply,1,drawback rates,2,dtaa,4,dtc,10,DUE DATE AY 2010-11,2,due date ay 2011-12,3,due date extended,54,due date extended to 31.08.2012.,2,due date for service tax return,36,due date form 16,19,due date form 16a,10,due date June,2,due date march tax,9,due date of return 2008-09,3,due date pf esi,6,due date to deposit tds,15,DUE DATES,15,DUE DATES CALENDAR,7,DUE DATES CALENDER,8,DUE DATES INCOME TAX,23,DUE DATES SERVICE TAX,42,DUE FAMILY PENSION,1,DULICATE PAN,1,DUPLICATE TAN,5,dvat,8,e book Income Tax rules,3,e book on service tax,22,E ERA OF TAXES,1,e filing do and don'ts,7,e filing of audit report,10,e filing processing status,8,e filing software excel free,4,e filing through evc,7,e filing utilities,6,e mode for notice to shareholder,1,e notice to share holder,1,e payment of epf,5,E PAYMENT OF EXCISE DUTY,2,e payment of income tax,5,E PAYMENT OF SERVICE TAX,4,e payment of tds,8,E STAMP DUTY,1,e tutorial for TAN registration,3,E-1 FORM,1,E-1 SALE,6,e-commerce,1,E-FILE SERVICE TAX RETURN,18,e-Intermediary,1,e-payment from friends account,2,E-PAYMENT OF SERVICE TAX,9,e-payment of taxes,6,E-SEVA BY ICAI,4,e-TDS/TCS statements,2,E-WAY-BILL,13,earn from home,1,earned leave,2,Easy Exit Scheme,1,ebay,1,EBOOK,63,EBOOK ON SERVICE TAX,23,economic survey,6,economic survey 2010,3,economic survey 2011,2,economic survey 2012,1,Edible Oils,1,EDITABLE INCOME TAX FORM,1,education cess,6,EDUCATION LOAN,4,eet,4,EFFECTIVE DATE CST RATE REDUCTION,2,effective date of allowncs,2,efiling errors,5,efiling free,2,efiling income tax return,28,efiling of excise return,6,efiling registration problem,18,Electricity act,2,ELECTRONIC FOREX TRADING,1,Electronic Verification Code (EVC),7,elegent card on holi,1,ELSS,17,EMANAGEMENT OF TAXES,1,EMI CALCULATOR,8,empanelment as branch auditor,2,EMPLOYEE PROVIDENT FUND,8,employee state insurance,1,employee state insurance act 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name,2,WILL,4,window dressing,1,without consideration,1,work contract service tax,16,working capital,1,Workmens Compensation Act,3,WORKS CONTRACT,3,wrong accounting code in service tax,1,wrong assessment year in challan,4,wrong head on challan,2,wrong name error in e filing registration,7,WRONG NAME IN ETDS RETURN,2,wrong pan on challan,2,wrong pan while deposit,1,wrong section on challan,3,www.satyamevjayate.in,1,xbrl,5,XLSX,2,ynitya income tax calculator,22,
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SIMPLE TAX INDIA: 80 C SAVINGS - WHO's NAME CAN BE DONE ,MINIMUM HOLDING PERIOD
80 C SAVINGS - WHO's NAME CAN BE DONE ,MINIMUM HOLDING PERIOD
SIMPLE TAX INDIA
http://www.simpletaxindia.net/2008/02/saving-under-80c-whose-name-can-be-done.html
http://www.simpletaxindia.net/
http://www.simpletaxindia.net/
http://www.simpletaxindia.net/2008/02/saving-under-80c-whose-name-can-be-done.html
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