Choose the best tax saving instrument for you

THE ECONOMIC TIMES Tue, Jan 10, 2017 | 07:03 AM IST ET Wealth Newsletter

WHAT'S HOT #sukanya samriddhi yojana calculator, #taking a personal loan,#tax saving,#the how to of investing,#the how to of taxation

Choose the best tax saving instrument for you ET Wealth's annual ranking of tax saving instruments cuts through the clutter and tells you which is the most suitable option for you. What do taxpayers want in Budget 2017? A recent survey by Deloitte offers some interesting insights into what people want from this year's Budget on February 1, 2017. Will you gain from lower home loan rates? Find out While the lower interest comes as a boon for new home buyers, not all existing borrowers will benefit. From our Partners How to keep your family informed about your financial details? iCare is a social initiative by Aegon Life Insurance Company that allows you to share your personal, financial and insurance-related details with your family by storing them digitally in one place which can be regularly updated. Know the charges, taxes on your restaurant bill to avoid being overcharged It is always better to know the charges and taxes levied on your restaurant bill if you want to avoid being overcharged. Home loans are becoming cheaper: Should you buy or rent a house? ArthaYantra Buy Vs Rent Report 2017 looks at 12 cities across India to map where buying is affordable and where living on rent is more cost-effective. What are your financial resolutions for the new year? It is vital to understand one's risk appetite and view tax saving instruments also as a means to achieve the financial goals. Demonetisation effect on Quarter 3 corporate Earnings While the broader market may remain stable during results season, be ready for fireworks at individual stock counters. From our Partners Watch Webcast: How ICF brings the global Copper fraternity together ICF is the biggest platform that brings together the Copper fraternity from India and Internationally to congregate and deliberate on opportunities and challenges lying ahead.

Financial Calculators Tax Impact Calculator This tax calculator will let you know how your tax liability changes post-Budget 2016. Just input your personal income details and know how much tax would now be payable. Home Loan Refinance Should you refinance your home loan? Use this calculator to find out if it is worthwhile to shift your home loan to another bank? Just enter the data and click next. It's that easy. More Calculators

Should you invest in the new CPSE ETF? To find out if it's a good idea to invest in such funds, one should consider how the first CPSE ETF has been performing. Annual strategic portfolio review must to grow wealth Once a year, sit down and figure how much you have in savings and investments. Get more of what gives you back more and let go of what does not work. Look beyond Section 80C: Have you missed out on any of these tax breaks? There are a large number of tax breaks apart from those under Section 80C. Check the list below to make sure you don't miss out on any of these. It's time to accumulate stocks for the long term: Raamdeo Agrawal, Motilal Oswal Financial Services "GST will improve tax collection and improve the ease of doing business by bringing in clarity on taxes," says Raamdeo Agrawal Co-founder, Motilal Oswal Financial Services. Smart things to know about RuPay Cards RuPay cards have a lower transaction cost and faster processing cost since processing is done within the country. L&T India Value Fund: A consistent outperformer The portfolio is heavily diversified, limiting exposure to individual bets. A proven track record makes it a worthy bet in this category. CES 2017: Top TV, camera, laptop picks to hit India this year Every year, Las Vegas, US, witnesses various brands launching new devices. Here's a brief look at some interesting gadgets. Retail growth, increase in revenue make Arvind Ltd good long term bet Since 50% of its revenue come from the domestic market, expect pressure in both December and March quarter numbers due to the demonetisation impact. How home loan, NPS can help cut salaried Agarwal's tax outgo Sudhir Kaushik of Taxspanner.com advises readers on how to restructure their income, investments and expenses to optimise their tax. Family Finances: Ernakulam-based Pavithran has sufficient funds, must streamline goals After considering monthly household expenses of Rs 48,000, insurance premium of Rs 11,328 and investment of Rs 12,000 in the PPF, he is left with a surplus of Rs 71,672. How to view your TDS through form 26AS? Form 26AS contains details of TDS on salary or other investments, advance tax, refund received during the year and other related information. My saving idea: Buy bulk or value packs when shopping When you're buying products that have a long shelf life, it's better to buy in bulk or choose value packs to cut down your cost. How Chennai-based Vakilsearch helps startups sort out legal issues Founded in September 2011, Hrishikesh Datar's startup began as a portal to help find lawyers. Today, it sets up entire businesses. Alternative investment returns monitor: For week ending January 4, 2017 Here's a weekly tracker of returns from alternative investment avenues such as: Diamonds, Precious Metals, Wines and Coins.

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News Digest: Alarm bells as diabetes, Hepatitis C drugs fly off shelves

		THE TIMES OF INDIA
		Tuesday, January 10, 2017
		Today's Headlines

		India
		Alarm bells as diabetes, Hepatitis C drugs fly off shelves JDU to review its stand on note ban on Jan 23 Fuel buyers, petrol pumps won't be hit: Govt on card payments The government said on Monday that consumers can continue to use debit and credit cards at petrol pumps without being charged any transaction fee even after January 13, the day till which petrol pump dealers have put off their threat to stop accepting plastic money to oppose bearing the cost. More India News»

		Business
		Co-op banks used note ban as opportunity to launder crores: I-T dept The income tax department has raised serious concerns over the working of a number of cooperative banks across the country claiming they used the "opportunity" of demonetisation to make a quick buck and indulge in money laundering worth several crores. International stock exchange will work for 22 hours a day Mistry family has no right to nominate director: Tata Sons Ahead of the February 6 shareholders' meeting to remove Cyrus P Mistry as director on Tata Sons, the holding company of Tata Group has said the Mistry family did not have any right to nominate a director on the board as the Articles of Association do not provide for it. More Business News»

		Environment
		Beijing launches environmental police force  The smog-hit Chinese capital of Beijing will establish a police force to deal specifically with environmental offences as part of its efforts to clean up its air and crack down on persistent polluters. Centre to ban use of 18 pesticides harmful to humans The Union Agriculture Ministry has issued a draft order, asking manufacturers, importers and state authorities to completely ban 12 of the identified pesticides from January 1, 2018 and remaining six from December 31, 2020. World heat shatters records, a new sign of global warming Last year was the hottest on record by a wide margin, with temperatures creeping close to a ceiling set by almost 200 nations for limiting global warming, the European Union's Copernicus Climate Change Service said on Thursday. More Environment News»

		World
		Pak counts transgender people in census for first time Pakistan will count transgender people in its national census for the first time when it surveys its population in March this year following a top court ruling on Monday. The move was welcomed by Pakistan's transgender community. Russia 'tired' of 'amateurish' US hacking claims: Kremlin The Kremlin on Monday slammed a hacking report by US spy agencies as baseless and amateurish, saying Moscow is growing tired of denying the Russian government's involvement in the US election meddling. Truck bomb kills 8 policemen in Egypt's Sinai A truck bomb attack on an Egyptian security checkpoint in the Sinai Peninsula killed at least eight policemen on Monday. Police said a suicide bomber rammed a truck packed with explosives into the checkpoint in the north Sinai city of El-Arish and gunmen then opened fire on the security post. More World News»

		Entertainment
		Hrithik Roshan: Big films he rejected A closer look suggests that just like many other Bollywood actors, Hrithik Roshan too has rejected a number of scripts which later emerged as the biggest blockbusters of all times. Aishwarya-Abhishek, Aamir Khan watch Aaradhya Bachchan and Azad Rao Khan's annual day act Bollywood couple Abhishek and Aishwarya Rai Bachchan and superstar Aamir Khan turned audience for their children at their school’s annual function. Birthday special: Know Hrithik Roshan better Find out some lesser known facts of Hrithik Roshan that might surprise you! More Entertainment News»

		Science
		Milky Way black hole is firing planet sized 'spitballs' NASA's Mars orbiter captures stunning view of Earth, Moon The most powerful telescope aboard NASA's Mars orbiter has captured a stunning view of Earth and the Moon, showing the continent-size detail on the planet and the relative size of its natural satellite. Hubble creates interstellar road map for future galactic trek NASA's Hubble Space Telescope is creating a road map for the two Voyager spacecraft, that will travel through unexplored territories beyond our solar system, by measuring the material along the probes' future trajectories. More Science News»

		Sports
		Shahbaz Nadeem at the forefront of Jharkhand's rise With 56 wickets in 10 matches, Shahbaz Nadeem has been a prime force in taking Jharkhand to the Ranji Trophy 2016-17 semi-final. Aussies need Starc at the top of his game in India: McGrath "Someone like Mitchell Starc can be dangerous and Australia will need him to be on top of his game when they come to India for the four-match Test series," feels former Australian pace ace Glenn McGrath. One might get to see fearless Dhoni and Yuvi of old: Yuvraj Having been an integral part of the Mahendra Singh Dhoni-led World Cup winning teams (in 2007 and 2011), Yuvraj Singh was very respectful of his contribution to Indian cricket as a player and a captain. More Sports News»

		Technology
		Selected Samsung Gear wearables now compatible with Apple iOS Samsung has announced that its Gear series of wearables are now compatible with iOS devices. According to a statement released by the company, numerous devices such as the Gear S2, Gear S3 and Gear Fit 2 are now compatible with Apple’s mobile OS. This is Samsung's production target for the Galaxy S8 It seems that the Note 7 debacle hasn’t deterred Samsung from going full speed towards the launch of its next flagship smartphone even one bit. Google's AI to support 'continuous conversations' on Android TV: Report Search giant Google’s voice-based assistant - Google Now, has been available for quite some time now. And probably one of its most well-known features is the ‘Ok Google’ phrase, which can be used to trigger Google Now. More Technology News»

		Education
		20 of 1.95 lakh candidates get perfect score in CAT 2016 Twenty of the 1.95 lakh candidates who took CAT 2016 have managed to crack it with a perfect score. Male engineers continued to dominate the toppers’ list this year, too. The number of 100 percentilers is the highest in the last six years but not a single woman is in the top slot. CBSE Class 10 and Class 12 exams from March 9 to April 29 Usually, exams begin in the first week of March. However, due to elections in five states and two polling dates falling on March 4 and March 8, the exams will begin from March 9. However, there will be no delay in the declaration of the results. 20 students get perfect score in CAT 2016 More Education News»

		Mumbai
		Man who dumped boy's body came from slum across tracks? First of six Scorpene subs country bought in 2005 to be commissioned 3 friends of paanwalla's son killed him for gold jewellery More Mumbai News»

		Delhi
		4 injured as gang fires 25 rounds 44 congested stretches to be cleared soon Light rain, fog likely this weekend More Delhi News»

		Bangalore
		Bengaluru molestation: Sixth accused nabbed, had also harassed the survivor Banaswadi police from East division arrested George alias Pappi, 21, an electrician, for his alleged involvement in the molestation of a woman in Kammanahalli, in the early hours of January 1. Elephant tramples 2 farmers to death Two farmers were trampled to death by a wild elephant at Sorakayeepete of Gubbi taluk in Tumakuru district on Monday. Government hospital shows the way in hi-tech surgery Manav (name changed), 14, was born with scoliosis, a deformity in spine where his backbone was bent towards the right with an angular curvature of 65 degrees. More Bangalore News»

		Hyderabad
		Registering marriages can save Telangana's child brides It's been fifteen years since the enactment of Compulsory Registration of Marriage Act, but lack of effective implementation has ensured that child marriages continue unabated in the state. Water board rolls out red-notice campaign for dues, earns Rs 1.35 lakh The Hyderabad Metropolitan Water Supply and Sewerage Board (HMWS&SB) swung into action on Monday and pasted red notices on the premises of defaulters, who have not paid their dues for several months. 80% of cybercrime unreported, complaints up after note ban After the move to demonetise currency, most people may have been forced to use digital transaction, and have ended up getting duped by fraudsters, cyber experts said on Monday. More Hyderabad News»

		Chennai
		A forgotten pit stop on Chennai outskirts Metrowater treats only 1/3 of Chennai's sewage Krishna water on its way to Chennai, will reach in 2-3 days More Chennai News»

		Ahmedabad
		At 10.7°Celsius, Ahmedabad feels the chill Amdavadis woke up with chilly winds on Monday as the minimum temperature plummeted to 10.7°C, a steep three degrees below normal. Not only the city, but most of the places in the state recorded a dip in the temperature. Liquor, beer worth Rs 38 lakh seized near Unjha Even as several bootleggers have been booked under the new stringent prohibition norms, the liquor flow in the state does not seem to have stopped. Skydiver hurts ankle due to wind shear accident A junior warrant officer, a sky div er of the Aakash Ganga team, was injured during his para-drop at the air show by the Indian Air Force ( IAF) at the Vibrant Gujarat Global Summit ( VGGS) on Monday mornng.Defence sources said the skydiver sprained his ankle as his drop went awry due to “wind shear“, resulting in a high speed of descent from about 30 feet off the ground. ​ More Ahmedabad News»

		Allahabad
		Ailing Ghana girl's parents get visa extension assurance from minister union minister for external affairs Sushma Swaraj on Sunday assured her parents not to worry and visa would be extended as per medical advice'. Ailing Ghana girl's parents seek help from Sushma Swaraj Parents of a four and a half years old Ghana girl, Osei Larbi Abena Aniwaa, who is currently undergoing treatment for quadriplegic spastic cerebral palsy in the city Post office to take poll campaigning to remote areas Some of the remotest villages of the state may not have basic infrastructure but they would still be able to get a taste of election campaigning by candidates in the fray. More Allahabad News»

		Bhubaneswar
		MP Sudip Bandyopadhyay to be in CBI custody till January 12 A special CBI court in Bhubaneswar has remanded Trinamool Congress MP Sudip Bandyopadhyay in CBI custody for three days till January 12. Trinamool protest rally against arrest of party leaders on January 10 Several senior leaders of the All India Trinamool Congress (AITC) will address a rally here on Monday in protest against arrests of AITC MPs Sudip Bandyopadhyay and Tapas Pal for their alleged involvement in chit fund scam. Banker-turned-sarpanch a role model for women in grass root level politics Last five years were quite eventful for Arati Devi. Elected as country’s youngest sarpanch five years ago from Dhunkapada gram panchayat in Ganjam district, the 31-year-old MBA graduate has become a role model for many women in grass root level politics. More Bhubaneswar News»

		Bhopal
		BJP's two-day meet opens in Sagar on Tuesday In the light of economic resolution passed by the BJP national executive in New Delhi, the state working committee, in its two-day meet, is likely to pass a political resolution on the consequences of demonetisation and role of government to promote cashless transactions effectively. 13K MP villages to have Wi-Fi by 2017 Aiming at cashless economy under the state government’s ambitious rural Wi-Fi service programme, at least 13,000 village panchayats in Madhya Pradesh will have Wi-Fi connectivity by the end of 2017. Bhopal: Three held for killing Congress leader Three days after a Congress leader and a gangster were shot dead in a shootout in Jabalpur district; police arrested three accused on Sunday. More Bhopal News»

		Chandigarh
		Cops act after chairs for Shiromani Akali Dal candidate's event block road in Faridkot town Acting on instructions of Faridkot deputy commissioner, police registered a case for blocking of a road during the opening of election office of Shiromani Akali Dal candidate Parambans Singh Romana on Monday. Panjab assembly polls: Parkash Singh Badal's Lambi campaign off to a rough start Punjab chief minister Parkash Singh Badal's election campaign in Lambi assembly constituency got off to a rocky start on Monday, as poor residents of the segment's Lalbhai village disrupted his speech and claimed that they didn't get grants for the construction of toilets. Congress's manifesto:It's not populist, but bid to restore state's honour says, Manpreet Badal Defending promises made in his party's manifesto, Congress leader Manpreet Badal said the document was not populist, but a bid to “redeem Punjab's honour“. More Chandigarh News»

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