LIC se income tax kaise bachaye? 2025 me apne tax ko kam karne ke legal aur safe tarike janiye LIC policy ke through. Section 80C, 80D aur maturity benefits ke complete details.
Introduction: LIC Se Income Tax Bachana Hai? Yeh Hai Asli Tareeka!
Agar aap soch rahe ho LIC se income tax kaise bachaye, to aap bilkul sahi jagah par ho. LIC (Life Insurance Corporation of India) sirf ek insurance company nahi, balki ek tax saving option bhi hai jo lakhs of Indians use karte hain apna tax kam karne ke liye.
Har saal jab income tax filing ka time aata hai, logon ke dimaag me ek hi sawal hota hai – “LIC policy se kitna tax bachega?”
Chalo aaj detail me samajhte hain ki LIC policy se tax saving kaise hoti hai, kaunse sections ke under benefit milta hai, aur kaunse plans best hain 2025 ke liye.
1. LIC Policy Par Income Tax Benefit Kaise Milta Hai
LIC se income tax bachane ka main benefit aapko milta hai Income Tax Act, 1961 ke kuch special sections ke under:
Section 80C:
Yeh sabse common section hai jisme aapko maximum ₹1.5 lakh tak ka deduction milta hai.
Agar aapne LIC premium pay kiya hai, to us amount ko aap apne taxable income se minus kar sakte ho.
Example:
Agar aapki annual income ₹8 lakh hai, aur aapne ₹1.5 lakh ka LIC premium diya, to taxable income ₹6.5 lakh ho jaayegi.
Section 80D:
Agar aapke LIC plan me health rider ya medical cover included hai, to aapko Section 80D ke under bhi benefit mil sakta hai.
Isme aap ₹25,000 (self + family) tak ka deduction le sakte ho.
Section 10(10D):
LIC se milne wali maturity amount ya death benefit bhi tax-free hoti hai (certain conditions ke under).
Bas policy premium sum assured ka 10% se zyada nahi hona chahiye.
2. Kaun Kaun Si LIC Policies Best Hain Tax Saving Ke Liye (2025)
Aaj ke time me LIC ke kuch popular tax-saving plans ye hain:
- LIC Jeevan Labh – Savings + insurance dono ka combination.
- LIC New Endowment Plan – Guaranteed maturity ke saath Section 80C benefit.
- LIC Jeevan Anand – Lifetime cover + tax saving.
- LIC Tech Term Plan – Online policy jisme Section 80C benefit milta hai.
- LIC New Children’s Money Back Plan – Family ke future ke liye aur tax benefit dono.
In sabhi plans me aapko LIC premium tax benefit milta hai under Section 80C.
3. LIC Premium Receipt Ko Income Tax Return (ITR) Me Kaise Dikhaye
Jab aap apna ITR file karte ho, to aapko LIC premium ka proof dena hota hai.
Aap LIC e-Services portal se apni premium receipt download kar sakte ho.
Steps:
- LIC website par login karein – licindia.in
- “Customer Portal” par click karein
- “Policy Premium Paid Statement” select karein
- Apni receipt download karein aur ITR filing ke time upload karein
Yeh proof batata hai ki aapne genuine tax saving investment kiya hai.
4. LIC Premium Kitna Karne Par Kitna Tax Bachega?
| Annual Premium (₹) | Tax Saving (Approx.) | Applicable Section |
| 20,000 | ₹4,000 – ₹5,000 | 80C |
| 50,000 | ₹10,000 – ₹12,500 | 80C |
| 1,00,000 | ₹20,000 – ₹25,000 | 80C + 10(10D) |
| 1,50,000 | ₹30,000 – ₹37,500 | 80C (max limit) |
(Tax saving depends on your income slab and regime)
5. LIC Ke Through Tax Saving Karne Ki Legal Limitations
LIC ek safe aur legal tax saving option hai, par kuch rules dhyan me rakhna zaroori hai:
- Sirf individual aur HUF (Hindu Undivided Family) deduction claim kar sakte hain.
- Policy self, spouse ya children ke naam par honi chahiye.
- Premium policy sum assured ka 10% se zyada nahi hona chahiye.
- Maturity benefit tax-free tabhi hota hai jab policy terms puri ho gayi ho.
6. Old vs New Tax Regime Me LIC Se Tax Saving Kaise Hoti Hai
Agar aap Old Tax Regime me ho, to aapko LIC par pura deduction milta hai.
Lekin New Tax Regime (2025) me Section 80C benefit nahi milta.
To agar aap LIC ke through tax bachana chahte ho, Old Regime choose karna better hai.
7. LIC Se Long-Term Wealth Bhi Bana Sakte Ho
LIC policy se sirf tax saving nahi, balki long-term financial planning bhi hoti hai.
Regular premium se aap ek corpus fund bana sakte ho jo future me kaam aata hai – chahe retirement ho ya family ke liye support.
LIC Se Income Tax Kaise Bachaye – FAQs
Q1. Kya LIC ke sabhi plans par tax benefit milta hai?
Nahi, sirf un plans par jisme premium aur sum assured ratio Income Tax rules ke under aata ho, unhi par deduction milta hai.
Q2. Kya LIC maturity par tax lagta hai?
Generally nahi, agar policy conditions Section 10(10D) ke under follow hoti hain to maturity amount tax-free hoti hai.
Q3. Kya main apne parents ke LIC premium par tax benefit le sakta hoon?
Nahi, aap sirf self, spouse aur dependent children ke premium par tax deduction le sakte ho.
Q4. LIC ke premium par New Tax Regime me koi benefit milta hai kya?
Nahi, New Tax Regime me Section 80C benefit available nahi hai.
Q5. Kya online LIC payment par bhi tax benefit milta hai?
Haan, chahe premium online pay karo ya offline, dono me deduction milta hai.
Conclusion: Smartly LIC Policy Se Tax Bachayein
Ab aapko clear idea mil gaya hoga ki LIC se income tax kaise bachaye aur kaunse plans best hain 2025 ke liye.
Disclaimer: This article is for informational purposes only and does not guarantee any earnings or financial results. Readers are advised to do their own research or consult a financial advisor before making any decisions.
