NSC New Rules, April 2023
Вставка
- Опубліковано 22 сер 2024
- Channel name is changed to CAPITAL GROWW now. #nsc #interestrates #interestrates
Backed by the Government of India
Safe investment option
Guaranteed returns
Helps you to invest as little as Rs. 1,000 thereby encouraging the habit of investment.
Scheme specially designed for Income Tax assessees.
NSC Certificates can be kept as collateral security to get loans from banks.
Buy NSC every month for Five years. Re-invest on maturity and relax. Upon retirement, it will fetch you a monthly pension as the NSC matures.
THANKS FOR WATCHING DIFFERENT MOODS. ANY QUESTIONS OR COMMENTS CAN BE DROPPED IN THE COMMENT BOX.
Well explained👍
There is always a crystal clear explanation in your videos. Carry on the good work.
My best wishes🌹
Thanks a lot
sir please make a comparison video on RBI FLOATING RATE BONDS with each & every other Long term investment schemes viz. SGB , SCSS, T - Bills, NHAI Bonds etc .
It will help many surely
Thank you
Thanks for the suggestion. We sure will.try this soon
बहुत सरल शब्दो मे समझा दिया है
Thanks.
Sir 1.5 ki nsc ak sath krwana chahiye ya ak 90000 ki or dusri 60000 ki krwana chahiye.please explain sir kese krna thik rahega taki koi nuksan na ho
Ek saath
very good information
Thanks
Very good information sir.
Thanks ji.
Nice video
Thanks.
When is the interest calculated on NSC. Is it on 01 April every year OR on the anniversary of date of purchase of the NSC.
April 1
Thanks for your valuable information..
Welcome
Thanks for being enlightened.
It's my pleasure
Good
Thanks.
सर आपका वीडियो बहुत ही अच्छा लगा 👌बहुत ही अच्छी जानकारियां आप ने दी जो पहले नहीं थीं,👍 सर मुझे सुपर सीनियर सिटीजन के बारे में थोड़ी जानकारी दीजिएगा उन्हें क्या-क्या छूट मिल सकती है इनकम टेक्स में ?🙏🙏
Yes. 5 lakh tak exempt hai
Thanks sir, we r waiting for other videos as well.
Thanks and welcome. We will upload soon
Nice explanation 👌
Thanks
I like the way you explain
Thanks.
Thanks sir
Welcome
Sir, Ydi NSC February 2023 me RS 50000 / ka purchase krte hai to kya hm Es sal ke ITR filling me show kr sakte hai,kya hme eska benefit milega. Please reply Sir
2022-23 financial year mein iska benefit milegaa
Sir agar mai 1 lakh nsc me invest karu 10 saal k liye aur KVP me v...to kitna return milega.......nsc ka maturity 5 year k bad 144000 ko reinvest karne par kya difference hoga dono scheme me
5 saal baad kya pata interest rate kya hoga???
@@stayhealthy9125 agar yahi rate raha to???
@@rajnishkumargupta4052 tab kvp theek hai, ek to 10 saal ke liye interest fix ho jayega, dusra usko premature karwa sakte ho, nsc ko nahin
5 saal baad ka rate kya hoga NSC ka us oar depend karega
Rate yahin rahe to NSC better hai.
Nsc interest ,tax liability in new tax regime, please explain
No tax benefits
What is the new rules you are mentioned in the title? There is no new rule, all rules are existing rules only.
Further your mention that there is no tax on the first 4 year's interest is not correct. For the first 4 years you have to show each year's acquired interest as taxable earnings and can also show the same interest earnings as reinvestments as it has not been paid to you each year. In the 5th year only the 5th year's acquired interest has to be shown as taxable earnings but there will be no reinvestment as the principle amount and all 5 year's interests are paid back.
Hope you have noticed the rate.
Old Tax System:
The deposit amount (up to Rs. 1.5 Lakhs) will qualify for tax deduction under Section 80C of Income Tax Act.
The yearly interest accrued needs to be declared under section "Income from other sources".
The yearly interest accrued in this scheme is considered to be re-invested under Section 80C of Income Tax Act and hence eligible for tax deduction.
So, "Income from other sources" and "deduction under Section 80C" cancel each other and make this scheme tax free on interest.
Only the interest earned in the last year (5th year) is taxable as it is not re-invested and it is paid back to the investor.
No TDS (Tax deduction at source) in this scheme by Post Office.
@@investment_Tax_mutualfunds Thanks for the response.
But all said and done the the title of your video "NSC New Rules, April 2023" is misleading.
"NSC New Rate of Interest, April 2023" would have been better. Change in the rate of interest cannot be taken as a new rule.
NSC has always been eligible for deductions (upto specified amount along with other items) under section 80C. I am now 70 years of age and for the last 40 years have been using NSC as a tax saving investment.
Hope you will take care to word the title of your videos appropriately.
My Best Wishes to you.
Sincerely noticed and obliged.
Plz check the title now and revert.
I would like to connect with you on whatsapp 7888350093.
I really need your guidance uncle. (As you are at my father's age...i hope you don't mind addressing you as uncle)
I will be waiting your WhatsApp. Just send your name there.
नमस्ते सर
NSC पांच साल पूरे होने के बाद आगे पांच साल के लिए आगे और बढ़ा सकते कया
उसी एकाउंट हो ।बिना रूपया निकाले
कृपा समाधान कीजिए
Aage extension nahin kar sakte
1200000 (12 lakh) NSC 3rd yr. What amount of interest will be rebateable under 80c of IT caln/: ?
1.5 L
2lak NSC rakhi hai uske alava 1 lakh rupaye invsement kar rakha hai alag se investment krakha hai to tex kitna dena padega NSC par 5 sal bad in nscC ka Paisa kitna milega
Zero
Pl give example. If one invest 1L. He is using new tax regime. Will he have to pay tax on first year interest (on 70100?)
Question not clear
Sir 31-3-2018 mein 100000 ki nsc li thi and wo 31-3-23 ko mature hogyi jispe 44232 ka interest mila hai... Maine kabhi interest ko pichle 5 years mein as a deduction under 80c claim nhi kiya... And kabhi bhu full 1.5lakh deduction claim nhi kiya u/s 80c pichle 4 years mein....To kya pure 44232 pe mujhe tax dena hoga??? Pls clarify sir... Iski wjh se mere income es year 5lakh se upr ja rahi hai. ..
I think it has been discussed on whatsapp
NSC ka first time investment 1 lakh rupaye yah Income Tax Mein 1 lakh show hota hai ya nahin kripya bataen
Hoga
Sir maine NSC me 6 lakhs jama kiya hai mujhe kya income tax dena hoga .. plzz help sir ... Kya mujhe itr bharna padega
Depends on your total income
Sir nsc march 2024 m karva lu to ye tax rebate 2023-2024 wale m milega ya 2024-2025 m
23-24
Do you mean to say that the interest generated in the first four years of investment in NSCs, paid in the fifth year at the time of maturity, is not taxable. Please clarify. Thanks and regards.
Effective 01-Apr-2020, the income tax benefits will depend upon whether you choose old tax system or new tax system.
Old Tax System:
The deposit amount (up to Rs. 1.5 Lakhs) will qualify for tax deduction under Section 80C of Income Tax Act.
The yearly interest accrued needs to be declared under section "Income from other sources".
The yearly interest accrued in this scheme is considered to be re-invested under Section 80C of Income Tax Act and hence eligible for tax deduction.
So, "Income from other sources" and "deduction under Section 80C" cancel each other and make this scheme tax free on interest.
Only the interest earned in the last year (5th year) is taxable as it is not re-invested and it is paid back to the investor.
No TDS (Tax deduction at source) in this scheme by Post Office.
New Tax System:
No income tax benefits. The deposit amount won't get any deduction benefit under section 80C of Income Tax Act.
The interest amount will be taxable at maturity. You need to be declare the interest amount under "Income from other sources" during tax returns and pay income tax as per your income tax slabs.
No TDS (Tax deduction at source) in this scheme by Post Office.
Sir NSC better h ya RBI bonds.Rbi bond ka rate of interest kya h iss samay
RBI BONDS BETTER
Respected Sir Thank you for your valuable vedios.
If one lakh invested in nsc after five years 44000 interest milega. Income tax pura 44k ko denapadtha ya 44000/5 = 8800 ko denapadtha please clarify Sir.
1 lakh par 44903 milega @7.70.
Tax har saal calculate hoga on yearly basis
@@investment_Tax_mutualfunds Thank you very much for your kindness
It's my pleasure
@@investment_Tax_mutualfunds lekin sir AIS m to pure 5 saal ka interest show kar raha uska kya kare... pure 5 saal ka earned interest taxable show kar raha h?
AIS kee to baat hee naa karo...fail system
Sir jo pension aate samaya sara mila buwa paisa nsc me dalte hai to usme kya tax lagega
Daal sakte hai. NSC ka interest aapki total income mein add hogaa
Sir kya principal amount me bhi tax lagata he ya only interest me
Only interest
Sar NSC ki maturity total amount per tax per hai ya nahin kripya bataen
Last year ke interest par padega
Whether Nsc purchased in the name of A can Transfer to B
by A before the maturity of the same?
NSC certificates can be transferred from one person to another person. But, it can be done only ONCE from date of issue to the date of maturity
Sir NSC me 1.5 lc + sukanya dono me 1.5 lac invest kre to kya dono me tax me chhoot milegi ki nhi pls rpy
Sirf Sukanya mejn
If I purchase Nsc rs.ten lac then weather interest of four years is tax free. Pls.answer with example.
Yes, it 80c limit not consumed in other options.
Sir kya 1.5Lakh ki FD 7.5% ke interest rate se 5years ke liye karne par TDS katega ya nahi.
NO
Can nsc be transferred to another person.
Waiting for your response 🙏🏻
NSC certificates can be transferred from one Post Office to another Post Office.
NSC certificates can be transferred from one person to another person. But, it can be done only once from date of issue to the date of maturity.
Earlier, the physical certificate of the old owner used to be given to the new owner during the transfer process.
But, to transfer the NSC purchased after 01-July-2016, the old owner should submit the Passbook.
Post Office will strike out the entries belonged to the old owner and issue the same Passbook to the new owner in his name.
Sir we invest 21 lakhs in nsc how much tax is deducteble in 5th yr
Interest earned will be added to your total income
Sir,,,mein 5 lakh NSC karna chahta hu.2028 mein maturity ke samay kitna byaj itr mein show karna hoga.thank you
ITR software apne aap pick kar lega
Sir mene 2014 mai 1lakh ka nsc certificate lia tha. Jiska maturity period 10 year hai. Ab mature hone mae 1 year rehta hai... Toh veh kaisi 2nd person k name transfer kia ja skta? Kyuki i'm going to abroad. Ja foreign se withdraw krva skte hai??
No. Aapko yaahan aana hogaa. Yaa fir Online access karwa ke jaao post office se
Sir online access kivve hoega?
Fort that contact your local head branch
👍
Thanks
One year will be from date of purchase or end of the financial year i.e. 31-03-23. If you have purchased a nsc on 1st june then one year will be on 31st may 2024. So how to calculate accrued interest for first year?
It's not mandatory to calculate date to date OR date to end of F.Y. However, When you file your ITR , then smart tax software automatically calculate and upload NSC interest.
8 months Mera apna beta ka NSC (RS 50000) Kiya hu, kya main INCOME TAX me dikha paunga???
Yes
Sir Mis pe jo interest milta h monthly kya us par bhi interest lgta h agar vo saving me padha rahe aur kitna roi lgta h?
Yes
@@investment_Tax_mutualfunds kitna roi lgta h mis interest pe
Depends on date of investment
Thank u sir for sharing important information.
It's my pleasure
Sir I have made NSC on financial year 2022-23 march this year but didn’t submit to the bank before 31 march , now they are not taking it while filling my returns . What can I do ? I have post office NSC copy as evidence please help
Your question is not completely correct. What did you not submit?
NSC certificate to the bank before 31st march after making it in the post office(07 th march) !
My son lives in Australia, I want to know if I can invest in his name under NSC ?
No
Sir ITR me NSC ka per year ka interest AIS me show hoga?
AIS system not working.
@@investment_Tax_mutualfunds matlab itr me kahi bhi show nahi hoga interest automatically?
Sir..system kaam hee nahin karta AIS ka. Is ko follow karna bekaar hai
Sir we invested in NSC Amount is more than 10lakh 80C is already claimed in PPF can we show interest evary year while filing ITR
You have to show every year.
Sir please sow calculations Thanks
7888350093 .WhatsApp only. NO CALLS
50000 एक बार इन्वेस्ट करने के बाद 80C में हर financial year( 50000 तक राशि के लिए )टैक्स बचा सकते हैं क्या??? कृपया बताएं
1.5 lac exceed hone par jo v amount jama karte h uspe kitna percentage tax lagta h sir
Sir main 80 c ki limit ppf main leta hu agar main 2 lakh ki nsc leta hu kya koi bhi tax lagega meri anual income ppf ton ilava 4.80 lakh hai
Agar PPF MEIN 150000 DAAL rahe ho to aapke liye NSC taxable hai
@@investment_Tax_mutualfunds 2 lakh ki karne par kitna tax lagega sir
Effective 01-Apr-2020, the income tax benefits will depend upon whether you choose old tax system or new tax system.
Old Tax System:
The deposit amount (up to Rs. 1.5 Lakhs) will qualify for tax deduction under Section 80C of Income Tax Act.
The yearly interest accrued needs to be declared under section "Income from other sources".
The yearly interest accrued in this scheme is considered to be re-invested under Section 80C of Income Tax Act and hence eligible for tax deduction.
So, "Income from other sources" and "deduction under Section 80C" cancel each other and make this scheme tax free on interest.
Only the interest earned in the last year (5th year) is taxable as it is not re-invested and it is paid back to the investor.
No TDS (Tax deduction at source) in this scheme by Post Office.
New Tax System:
No income tax benefits. The deposit amount won't get any deduction benefit under section 80C of Income Tax Act.
The interest amount will be taxable at maturity. You need to be declare the interest amount under "Income from other sources" during tax returns and pay income tax as per your income tax slabs.
No TDS (Tax deduction at source) in this scheme by Post Office.
Sir mai March mai 1000000 lac karwai hai 7.1 mai hai ab kya karu sir
Kuch nahi. Aaram Karo ji
@@investment_Tax_mutualfunds 😆😆😆 sahi kaaha sir.. Jab pata hai badhne wala hai interest to thode din rukna chahiye tha itna bada amount 5 saal ke liye lock karane se pehle
Agree
Sir maine 6.7% roi par fd krwai thi 1 lakh ki 5yr ke liye post office me 25-10-2022 ko...usko close karunga to abhi kitna interest milega..please calculate krke btaiyee ? six months complete ho chuke hain abhi tak.
Sir maine close to krni hi hai..aap please suggest karo ki abhi close karun ya 1 saal baad ?
Mai iski jgaa mis krwana chahta hun
(e)Premature closure of Account :-
(i)No deposit shall be withdrawn before the expiry of six months from the date of deposit.
(ii) If TD account closed after 6 month but before 1 year, PO Savings Account Interest rate will be applicable.
(iii) If 2/3/5 year TD account prematurely closed after 1 year, interest shall be calculated 2 % less than of TD interest rate (i.e. 1/2/3 years) for completed years, and for part period less than a year, PO Savings Interest rates will be applicable.
(iv)TD account can be closed prematurely by submitting prescribed application form with pass book at concerned Post Office.
sir 01 lac ki NSC me after 05yrs Kitna interest milega ?
44903
Expected mention of gain amount after 5 years rupees 100 NSc
44.90
sir, NSC पांच साल पूरे होने के बाद आगे पांच साल के लिए बड़ा सकते
No. New le sakte
Sir single account me account holder(father) ki death ho gyi hai aur nsc break karni hai 10 years wali nominee mai hu
Break ho jayega?
Nsc me abhi 1 year ka time 9 year complete ho gya hai but paiso ki need hai isliye?
Please reply
mujhe nsc karwani h 30lakh ki or scss me 80 c leliya h
meri itr 4.80 lakh ki h
ab mujhe batao ki tax kitna banega. aprox hi batado ho sakta h ye apka vishay na ho
mera old tax slab h
Are you doing business or job or profession ? 80D ?
@@investment_Tax_mutualfunds bussiness
Tax 25000 approx
@@investment_Tax_mutualfunds to fir apke hisabse kisme dale pesa jisme safe ho or tax ma lage
50000 NSC 5year tds free detail
5th year taxable
4 lac ki NSC par after 05yrs Kitna interest milega ?
179613
@@investment_Tax_mutualfunds thanks sir
Welcome
Sir AIS me NSC Interest ek sath 5 years ka show kar raha hai kya kare?
AIS sirf naam.ka hai. System kaam nahin karta sahi. Usko mat dekho
NSC ka interest ITR me dikhana jaruri hai kya?
Self calculation karke daalna hai?
Automatically ho jata hai software mein
Nsc me minimum deposit kitne ki ho sakti hai
Minimum deposit amount is Rs. 1,000
No maximum limit on the deposit amount.
Deposit amount should be in multiples of Rs. 100. For example, Rs. 1,100, Rs. 1,200, Rs. 1,300, Rs. 1,400, etc.
@@investment_Tax_mutualfunds thnx
Welcome
Sir Below case mai kya treatment hoga
1. NSC ke yearly interest ko ITR mai show kiya but 80C mai deduction nhe liya to last year mai last year wale interest per he tax lgega
2. And NSC ke yearly interest ko ITR mai show kiya and 80C mai deduction liya to last year tax treatment
Agar interest ko yearly income mai show nhe Kiya to bhi kya only Last year k interest ko income mai show kr skte hai
Sir Below case mai kya treatment hoga
1. NSC ke yearly interest ko ITR mai show kiya but 80C mai deduction nhe liya to last year mai last year wale interest per he tax lgega
2. And NSC ke yearly interest ko ITR mai show kiya and 80C mai deduction liya to last year tax treatment
Agar interest ko yearly income mai show nhe Kiya to bhi kya only Last year k interest ko income mai show kr skte hai
Sir aap kee exact issue kyaa hai. Aapne interest ko kaise deal.kiaa
@@investment_Tax_mutualfunds Actually NSC 2017 ki the and uska interest ITR mai show nhe Kiya and FY 2022-23 maturity per wo amount as a interest around 4,50,000 AIS mai show ho raha hai
To kya mujhe pora amount dikhana pdega ya only last year ka interest show kro?
PPF account money arrested government any department
ua-cam.com/video/DRJWM0Dhb4M/v-deo.html
Please send in details, sir
Kyaa sir..detail mein poochiye
एक NSC 2022 मे 5 लाख का लिए हैं जिसकी मैच्योरिटी 2027 में हो जायेगी 6.8%ब्याज दर से 👌🤔 तो फिर पांचवे साल का कितने ब्याज होंगे और उसपर कितना टैक्स लगेगा मेरी वार्षिक आय ढाई लाख से कम है 🙏Plese Reply Sir
Byaj kitna banega uski tension naa lo. Aapka tax nahin banega.
Huf holder give nse
NRI (Non Resident Indians), Trust and HUF (Hindu Undivided Family) can not open the account.
Sar namaste Mujhe aapse baat karni hai kripya apna mobile number bataen
Aap question bataao sir..aapko reply milega
Thank you sir
Welcome
Sir maine NSC me 6 lakhs jama kiya hai mujhe kya income tax dena hoga .. plzz help
Depends on your total income
Sir housewife ka bhi tax katega nsc ke interest per
No TDS (Tax deduction at source) in this scheme by Post Office.