VGC Advisors

"“Agar aap school ya hostel fees de rahe ho…
aur lagta hai benefit sirf 80C tak hai…
toh aap bada advantage miss kar rahe ho.” ⚠️

2026 me game change ho chuka hai.

Ab tax saving sirf investment se nahi…
salary structure se hoti hai.

Agar aap salaried ho
aur CTC me allowances properly structured hain…

toh aapko mil sakta hai👇

Education Allowance → ₹3,000/month per child
Hostel Allowance → ₹9,000/month per child

2 bachon ke liye
total exemption ~₹2.88 lakh

Ab real impact👇

Agar aap 30% tax bracket me ho…

toh ~₹86,000 ka direct tax saving.

Matlab jo expense aap waise bhi kar rahe ho…
ab wahi paisa aapko benefit de raha hai.

Par sabse badi galti👇

Salary structure me
ye allowances hoti hi nahi…

ya purani limits par hoti hain.

Result?
Lakhon ka benefit miss.

Ek important rule👇

Tuition fee (80C) alag hai
Education + Hostel allowance (10(14)) alag

Dono ko mix karke claim nahi kar sakte.

Galat claim kiya👇

System auto-disallow karega

* interest + penalty risk

Sabse bada trap👇

Ye benefit sirf old tax regime me hai

New regime me
ye sab zero

Simple strategy👇

Apna CTC check karo
HR se baat karo
allowances properly structure karo

Kyuki 2026 me tax saving
investment se nahi…

salary design se ho rahi hai.

— Vivek Tiwari | VGC Advisors

Agar aap apni salary ko smart banana chahte ho…
to comment karo — SALARY DESIGN 💬

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