Smart money moves for Indians
For incomes above 15L, the New Regime is generally better due to lower tax rates. However, if you have deductions > 3.75L (HRA, 80C, Home Loan), Old Regime might save you more.
Investing just ₹5000/month for 20 years at 12% returns can give you ₹50 Lakhs. Start early to maximize the benefit of compound interest.
Ensure you buy from GST registered vendors and if you are a business, claim Input Tax Credit (ITC) correctly to reduce liability.
Paying just one extra EMI every year can reduce your 20-year loan tenure by almost 3-4 years, saving lakhs in interest.