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image16x9 qt-figure vSfbh fpoo6 pPZJI"><picture class="qt-image"><img src="data:image/gif;base64,R0lGODlhAQABAAD/ACwAAAAAAQABAAACADs=" data-src="https://images.prajavani.net/prajavani%2F2024-12-31%2Feya5pmjr%2Ffile7jf4kqbmpbqvhm7ihpg.jpeg?rect=0%2C0%2C1280%2C720&auto=format%2Ccompress&fmt=webp&fit=max" alt="ಪ್ರಶ್ನೋತ್ತರ: ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ" type="image/webp" class="qt-image image KU3PS"/><noscript><img src="https://images.prajavani.net/prajavani%2F2024-12-31%2Feya5pmjr%2Ffile7jf4kqbmpbqvhm7ihpg.jpeg?rect=0%2C0%2C1280%2C720&auto=format%2Ccompress&fmt=webp&fit=max&w=1200" alt="ಪ್ರಶ್ನೋತ್ತರ: ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ"/></noscript></picture></figure></div></div></div></a></div><div class="listing-story-card Z6Zei"><a class="-bdFE" href="/business/prashnottara/what-happens-to-the-shares-bought-if-the-discount-brokerage-company-closes-down-3101690"><div class="G069L"><div class="pGqXN"><h1 class="headline headline-type-8 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ಎಂ.ಆರ್., ಯಲಹಂಕ, ಬೆಂಗಳೂರು. \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F336d350f-d162-4a43-a664-7b0eded73128\u002Felement\u002Fdab52324-01eb-4406-918f-73fba0a908d5","type":"text","family-id":"123f9d5d-4e3a-4d95-84bc-b3aa57a23fa1","title":"","id":"dab52324-01eb-4406-918f-73fba0a908d5","metadata":{"question":"\u003Cp\u003Eನನ್ನ ಪುತ್ರ ಕಳೆದ ಮೂರು ವರ್ಷದಿಂದ ಸಾಫ್ಟ್‌ವೇರ್‌ ಕಂಪನಿಯಲ್ಲಿ ಕೆಲಸ ಮಾಡುತ್ತಿದ್ದಾನೆ. ಪ್ರಸ್ತುತ ಆತನಿಗೆ ಮಾಸಿಕ ₹75 ಸಾವಿರ ವೇತನವಿದೆ. ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿ ಆಯ್ಕೆ ಮಾಡಿಕೊಂಡಿದ್ದಾನೆ. ಇದರಡಿ ತೆರಿಗೆ ವಿನಾಯಿತಿಗೆ ಅವಕಾಶ ಇಲ್ಲದ ಕಾರಣ ಯಾವುದೇ ಹೂಡಿಕೆಗೂ ಅವಕಾಶ ಇಲ್ಲ. ಇಂತಹ ಸಂದರ್ಭದಲ್ಲಿ ಅತನಿಗೆ ಯಾವುದೇ ರೀತಿಯಲ್ಲಿ ಹೂಡಿಕೆಯ ಬದ್ಧತೆ ಇಲ್ಲದಂತಾಗಿದೆ. ಬಹುತೇಕ ಹಣವು ಖರ್ಚಾಗುತ್ತಿರುವ ಕಾರಣ ಉಳಿತಾಯಕ್ಕೆ ಅವಕಾಶ ಇಲ್ಲದಂತಾಗಿದೆ. ಈ ಬಗ್ಗೆ ಏನು ಕ್ರಮ ಕೈಗೊಳ್ಳಬಹುದು?  \u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನಿಮ್ಮ ಪ್ರಶ್ನೆಯಲ್ಲಿ ಉಲ್ಲೇಖಿಸಿರುವ ವಿಚಾರ ಬಹುತೇಕ ಯುವಜನರ ಪಾಲಕರಿಗೆ ಕಾಡುತ್ತಿರುವ ಸಾಮಾನ್ಯ ಸಮಸ್ಯೆಯೇ ಆಗಿದೆ. ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿ ಆರಂಭವಾದ ಸಂದರ್ಭದಿಂದ ಯಾವುದೇ ಹೂಡಿಕೆಗೆ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಇಲ್ಲ. ಹಾಗಾಗಿ, ಹೂಡಿಕೆ ಕ್ಷೇತ್ರವನ್ನು ಮೇಲ್ನೋಟಕ್ಕೆ ಹೆಚ್ಚು ಆಸಕ್ತಿಯಿಂದ ಪರಿಗಣಿಸುವ ಗೊಡವೆಗೆ ಯಾರೂ ಹೋಗುತ್ತಿಲ್ಲ.\u003C\u002Fp\u003E\u003Cp\u003Eಆದರೆ, ಈ ಬಗ್ಗೆ ಹೆಚ್ಚಿನ ಒಲವು ಮೂಡಿಸಲು ಭವಿಷ್ಯದ ಅನಿಶ್ಚಿತತೆ, ಮುಂದಿನ ಒಟ್ಟಾರೆ ಗುರಿ- ಆಶಯದ ಜೊತೆಗೆ ಒಂದಷ್ಟು ಜವಾಬ್ದಾರಿ ಇತ್ಯಾದಿಯನ್ನು ಅವರವರೇ ನಿರ್ಧರಿಸಬೇಕು. ಇದಕ್ಕೆ ಪೂರಕವಾಗಿ ಆ ಅಗತ್ಯಕ್ಕಾಗಿ ನಾವು ಯಾವ ರೀತಿ ಮುಂದುವರಿಯಬೇಕು ಎನ್ನುವುದರ ಅರಿವು ಮೂಡಿಸಬೇಕು. ಇದಕ್ಕಾಗಿ ಒಟ್ಟಾರೆ ನಮ್ಮ ಬದುಕಿನ ಆರ್ಥಿಕ ಮುನ್ನೋಟ ಹೊಂದುವುದು ಅವಶ್ಯಕ.\u003C\u002Fp\u003E\u003Cp\u003Eಉದ್ಯೋಗದಲ್ಲಿದ್ದು ನಿಶ್ಚಿತ ಆದಾಯ ಇರುವವರಿಗೆ ಈ ಬಗ್ಗೆ ಯೋಜಿಸುವುದು ಹೆಚ್ಚೇನೂ ಸಮಸ್ಯೆಯಲ್ಲ. ಕೇವಲ ಆ ಬಗ್ಗೆ ಗಂಭೀರ ಯೋಚನೆಯ ಕೊರತೆ ನೀಗಿಸುವ ಸಮಾಲೋಚನೆಯ ಅಗತ್ಯ ಇದ್ದೀತು. \u003Cbr\u003Eತದನಂತರ ಗಂಭೀರವಾಗಿ ಪರಿಗಣಿಸುವವರಿಗೆ ಯಾವುದೇ ತೆರಿಗೆ ಪದ್ಧತಿ ಇರಲಿ ಅವಕಾಶಗಳು ಮುಕ್ತವಾಗಿವೆ. ಆರೋಗ್ಯದ ಬಗ್ಗೆ ನಾವು ಹೇಗೆ ಹೆಚ್ಚು ಗಂಭೀರವಾಗಿರುತ್ತೇವೋ ಆರ್ಥಿಕ ಶಿಸ್ತಿನ ಬಗ್ಗೆಯೂ ಅದೇ ರೀತಿ ಹೊಸ ತಲೆಮಾರಿನ ವರ್ಗ ಜಾಗರೂಕವಾಗಬೇಕಿದೆ. ಯಾವುದೇ ಆದಾಯ ಸೃಷ್ಟಿಸದ ಹಣದ ಹೊರಹರಿವು, ಅಗತ್ಯಕ್ಕಿಂತ ಅಧಿಕ ಖರ್ಚು, ಎಲ್ಲೆ ಮೀರಿದ ವಿಲಾಸಿ ವೆಚ್ಚಗಳನ್ನು ದೀರ್ಘಕಾಲದಲ್ಲಿ ಕಡಿತಗೊಳಿಸಬೇಕು. ಆ ಹಣವನ್ನು ಆದಾಯಗಳಿಸುವ ಹೂಡಿಕೆಗಳಲ್ಲಿ ತೊಡಗಿಸಿದಾಗ ನಿರೀಕ್ಷೆಗೂ ಮೀರಿದ ಆರ್ಥಿಕ ವೃದ್ಧಿ ಸಾಧ್ಯ. ಇದಕ್ಕೆ ಬದಲಾದ ಮನಃಸ್ಥಿತಿ ಬೇಕು. ಈ ಬಗ್ಗೆ ಸಾವಧಾನದ ಮನವರಿಕೆ ಮಾಡುವ ಹಾಗೂ ಮಾರ್ಗದರ್ಶನ ಬೇಕಿದೆ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನನ್ನ ಪುತ್ರ ಕಳೆದ ಮೂರು ವರ್ಷದಿಂದ ಸಾಫ್ಟ್‌ವೇರ್‌ ಕಂಪನಿಯಲ್ಲಿ ಕೆಲಸ ಮಾಡುತ್ತಿದ್ದಾನೆ. ಪ್ರಸ್ತುತ ಆತನಿಗೆ ಮಾಸಿಕ ₹75 ಸಾವಿರ ವೇತನವಿದೆ. ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿ ಆಯ್ಕೆ ಮಾಡಿಕೊಂಡಿದ್ದಾನೆ. ಇದರಡಿ ತೆರಿಗೆ ವಿನಾಯಿತಿಗೆ ಅವಕಾಶ ಇಲ್ಲದ ಕಾರಣ ಯಾವುದೇ ಹೂಡಿಕೆಗೂ ಅವಕಾಶ ಇಲ್ಲ. ಇಂತಹ ಸಂದರ್ಭದಲ್ಲಿ ಅತನಿಗೆ ಯಾವುದೇ ರೀತಿಯಲ್ಲಿ ಹೂಡಿಕೆಯ ಬದ್ಧತೆ ಇಲ್ಲದಂತಾಗಿದೆ. ಬಹುತೇಕ ಹಣವು ಖರ್ಚಾಗುತ್ತಿರುವ ಕಾರಣ ಉಳಿತಾಯಕ್ಕೆ ಅವಕಾಶ ಇಲ್ಲದಂತಾಗಿದೆ. ಈ ಬಗ್ಗೆ ಏನು ಕ್ರಮ ಕೈಗೊಳ್ಳಬಹುದು?  \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನಿಮ್ಮ ಪ್ರಶ್ನೆಯಲ್ಲಿ ಉಲ್ಲೇಖಿಸಿರುವ ವಿಚಾರ ಬಹುತೇಕ ಯುವಜನರ ಪಾಲಕರಿಗೆ ಕಾಡುತ್ತಿರುವ ಸಾಮಾನ್ಯ ಸಮಸ್ಯೆಯೇ ಆಗಿದೆ. ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿ ಆರಂಭವಾದ ಸಂದರ್ಭದಿಂದ ಯಾವುದೇ ಹೂಡಿಕೆಗೆ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಇಲ್ಲ. ಹಾಗಾಗಿ, ಹೂಡಿಕೆ ಕ್ಷೇತ್ರವನ್ನು ಮೇಲ್ನೋಟಕ್ಕೆ ಹೆಚ್ಚು ಆಸಕ್ತಿಯಿಂದ ಪರಿಗಣಿಸುವ ಗೊಡವೆಗೆ ಯಾರೂ ಹೋಗುತ್ತಿಲ್ಲ.\u003C\u002Fp\u003E\u003Cp\u003Eಆದರೆ, ಈ ಬಗ್ಗೆ ಹೆಚ್ಚಿನ ಒಲವು ಮೂಡಿಸಲು ಭವಿಷ್ಯದ ಅನಿಶ್ಚಿತತೆ, ಮುಂದಿನ ಒಟ್ಟಾರೆ ಗುರಿ- ಆಶಯದ ಜೊತೆಗೆ ಒಂದಷ್ಟು ಜವಾಬ್ದಾರಿ ಇತ್ಯಾದಿಯನ್ನು ಅವರವರೇ ನಿರ್ಧರಿಸಬೇಕು. ಇದಕ್ಕೆ ಪೂರಕವಾಗಿ ಆ ಅಗತ್ಯಕ್ಕಾಗಿ ನಾವು ಯಾವ ರೀತಿ ಮುಂದುವರಿಯಬೇಕು ಎನ್ನುವುದರ ಅರಿವು ಮೂಡಿಸಬೇಕು. ಇದಕ್ಕಾಗಿ ಒಟ್ಟಾರೆ ನಮ್ಮ ಬದುಕಿನ ಆರ್ಥಿಕ ಮುನ್ನೋಟ ಹೊಂದುವುದು ಅವಶ್ಯಕ.\u003C\u002Fp\u003E\u003Cp\u003Eಉದ್ಯೋಗದಲ್ಲಿದ್ದು ನಿಶ್ಚಿತ ಆದಾಯ ಇರುವವರಿಗೆ ಈ ಬಗ್ಗೆ ಯೋಜಿಸುವುದು ಹೆಚ್ಚೇನೂ ಸಮಸ್ಯೆಯಲ್ಲ. ಕೇವಲ ಆ ಬಗ್ಗೆ ಗಂಭೀರ ಯೋಚನೆಯ ಕೊರತೆ ನೀಗಿಸುವ ಸಮಾಲೋಚನೆಯ ಅಗತ್ಯ ಇದ್ದೀತು. \u003Cbr\u003Eತದನಂತರ ಗಂಭೀರವಾಗಿ ಪರಿಗಣಿಸುವವರಿಗೆ ಯಾವುದೇ ತೆರಿಗೆ ಪದ್ಧತಿ ಇರಲಿ ಅವಕಾಶಗಳು ಮುಕ್ತವಾಗಿವೆ. ಆರೋಗ್ಯದ ಬಗ್ಗೆ ನಾವು ಹೇಗೆ ಹೆಚ್ಚು ಗಂಭೀರವಾಗಿರುತ್ತೇವೋ ಆರ್ಥಿಕ ಶಿಸ್ತಿನ ಬಗ್ಗೆಯೂ ಅದೇ ರೀತಿ ಹೊಸ ತಲೆಮಾರಿನ ವರ್ಗ ಜಾಗರೂಕವಾಗಬೇಕಿದೆ. ಯಾವುದೇ ಆದಾಯ ಸೃಷ್ಟಿಸದ ಹಣದ ಹೊರಹರಿವು, ಅಗತ್ಯಕ್ಕಿಂತ ಅಧಿಕ ಖರ್ಚು, ಎಲ್ಲೆ ಮೀರಿದ ವಿಲಾಸಿ ವೆಚ್ಚಗಳನ್ನು ದೀರ್ಘಕಾಲದಲ್ಲಿ ಕಡಿತಗೊಳಿಸಬೇಕು. ಆ ಹಣವನ್ನು ಆದಾಯಗಳಿಸುವ ಹೂಡಿಕೆಗಳಲ್ಲಿ ತೊಡಗಿಸಿದಾಗ ನಿರೀಕ್ಷೆಗೂ ಮೀರಿದ ಆರ್ಥಿಕ ವೃದ್ಧಿ ಸಾಧ್ಯ. ಇದಕ್ಕೆ ಬದಲಾದ ಮನಃಸ್ಥಿತಿ ಬೇಕು. ಈ ಬಗ್ಗೆ ಸಾವಧಾನದ ಮನವರಿಕೆ ಮಾಡುವ ಹಾಗೂ ಮಾರ್ಗದರ್ಶನ ಬೇಕಿದೆ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F336d350f-d162-4a43-a664-7b0eded73128\u002Felement\u002F4e28a0a5-6259-4837-8387-64112cfe6b7b","type":"text","family-id":"05297651-1d15-4308-ba2f-a0249f83b549","title":"","id":"4e28a0a5-6259-4837-8387-64112cfe6b7b","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಸುಧಾ ಪಿ., ಊರು ತಿಳಿಸಿಲ್ಲ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F336d350f-d162-4a43-a664-7b0eded73128\u002Felement\u002F98c10cd8-e010-4255-95c3-ca668da10fd3","type":"text","family-id":"4583a931-5ea2-4963-81e3-946ce8193099","title":"","id":"98c10cd8-e010-4255-95c3-ca668da10fd3","metadata":{"question":"\u003Cp\u003Eನನ್ನದೊಂದು ಅಂಗಡಿಯಿದ್ದು, ತಿಂಗಳಿಗೆ ₹30 ಸಾವಿರ ಸಂಪಾದನೆಯಿದೆ. ನನಗೆ ಒಂದೂವರೆ ವರ್ಷದ ಪುತ್ರಿ ಇದ್ದಾಳೆ. ಸುಕನ್ಯಾ ಸಮೃದ್ಧಿ ಯೋಜನೆಯಡಿ ಮಾಸಿಕ ₹3 ಸಾವಿರ ಕಟ್ಟುತ್ತಿದ್ದೇನೆ. ಮಗಳ ಭವಿಷ್ಯಕ್ಕೆ ಸುಲಭವಾಗಿ ಅರ್ಥವಾಗುವ ಹೂಡಿಕೆಗಳ ಬಗ್ಗೆ ತಿಳಿಸಿ.\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನಿಮ್ಮ ಮಗಳ ಭವಿಷ್ಯಕ್ಕಾಗಿ ಹೂಡಿಕೆಗೆ ಯೋಜಿಸುವಾಗ ಆರ್ಥಿಕ ಅಪಾಯವನ್ನು ಕಡಿಮೆ ಮಾಡಿಕೊಳ್ಳುವುದು ಮತ್ತು ದೀರ್ಘಾವಧಿಯ ಅಭಿವೃದ್ಧಿಯನ್ನು ಗಮನದಲ್ಲಿಟ್ಟುಕೊಂಡು ಹೂಡಿಕೆ ಮಾಡುವುದು ಸೂಕ್ತ. ಸುಕನ್ಯಾ ಸಮೃದ್ಧಿ ಯೋಜನೆಯ ಜೊತೆಗೆ ಇನ್ನಷ್ಟು ಸುಲಭ ಹಾಗೂ ಸಾಂಪ್ರದಾಯಿಕ ಆಯ್ಕೆಗಳನ್ನು ಅರಿತು ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಮೊದಲ ಹಂತದಲ್ಲಿ ನೀವು ನಿಮ್ಮ ಮನೆಯ ವೆಚ್ಚ ಇತ್ಯಾದಿ ಕಳೆದು ಇನ್ನೂ ಹೆಚ್ಚಿನ ಎಷ್ಟು ಮೊತ್ತವನ್ನು ಹೂಡಿಕೆ ಮಾಡಬಹುದು ಎಂಬುದನ್ನು ಅರಿತುಕೊಳ್ಳಿ. \u003C\u002Fp\u003E\u003Cp\u003E* \u003Cstrong\u003Eಅಂಚೆ ಕಚೇರಿ ಆರ್‌ಡಿ ಠೇವಣಿ:\u003C\u002Fstrong\u003E ಇದರಡಿ ಪ್ರತಿ ತ್ರೈಮಾಸಿಕ ಅವಧಿಗೆ ಶೇ 6.7ರಷ್ಟು ನಿಶ್ಚಿತ ಬಡ್ಡಿ ಲಭಿಸಲಿದೆ. ತಿಂಗಳಿಗೆ ಕನಿಷ್ಠ ₹100ಯಿಂದ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಮಗುವಿಗೆ ಹತ್ತು ವರ್ಷ ಆಗುವ ತನಕ ಪೋಷಕರ ಹೆಸರಲ್ಲೇ ಖಾತೆ ತೆರೆದು ವ್ಯವಹರಿಸಬಹುದು. ಈ ಹೂಡಿಕೆಯ ಅವಧಿ 5 ವರ್ಷ. ನಂತರ ಬಡ್ಡಿಸಹಿತ ನಗದೀಕರಿಸಬಹುದು. ಅದೇ ಮೊತ್ತವನ್ನು ನಿಮ್ಮ ಮುಂದಿನ ಯೋಜನೆಯ ಉದ್ದೇಶಕ್ಕೆ ತಕ್ಕಂತೆ ಮರು ಹೂಡಿಕೆ ಮಾಡಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003E* \u003Cstrong\u003Eಸಾರ್ವಜನಿಕ ಭವಿಷ್ಯ ನಿಧಿ (ಪಿಪಿಎ‌ಫ್‌):\u003C\u002Fstrong\u003E ಇದು ದೀರ್ಘಾವಧಿಯ ಹೂಡಿಕೆ ಯೋಜನೆಯಾಗಿದ್ದು, ಹದಿನೈದು ವರ್ಷದ ಹೂಡಿಕೆಯಾಗಿದೆ. ಪ್ರತಿವರ್ಷ ಕನಿಷ್ಠ ₹500ರಿಂದ ₹1.50 ಲಕ್ಷದ ತನಕ ಹೂಡಿಕೆ ಮಾಡಲು ಅವಕಾಶ ಇದೆ. ಪ್ರತಿವರ್ಷ ಶೇ 7.1ರಷ್ಟು ಬಡ್ಡಿ ದೊರೆಯುತ್ತದೆ. ಈ ಖಾತೆಯನ್ನು ಮಕ್ಕಳ ಹೆಸರಲ್ಲಿಯೂ ತೆರೆಯಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003E* \u003Cstrong\u003Eಬ್ಯಾಂಕ್ ಎಫ್‌ಡಿ:\u003C\u002Fstrong\u003E ಇದು ಕೂಡ ಭದ್ರವಾದ ಹೂಡಿಕೆ ಆಯ್ಕೆಯಾಗಿದೆ. ನಿಮ್ಮ ಹೂಡಿಕೆ ಅವಧಿ ಅನುಸರಿಸಿ ಶೇ 8ರ ತನಕವೂ ನಿಶ್ಚಿತ ಬಡ್ಡಿ ಗಳಿಸಬಹುದು. ಒಂದು ವೇಳೆ ಹಣದ ತುರ್ತು ಅಗತ್ಯ ಬಂದರೆ ಅವಧಿಗೂ ಮುನ್ನ ಅದನ್ನು ನಗದೀಕರಿಸುವ ಅವಕಾಶವಿದೆ.  \u003C\u002Fp\u003E\u003Cp\u003E* \u003Cstrong\u003Eಈಕ್ವಿಟಿ ಲಿಂಕ್ಡ್ ಸೇವಿಂಗ್ ಯೋಜನೆ:\u003C\u002Fstrong\u003E ಇದು ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ವರ್ಗಕ್ಕೆ ಸೇರಿದ ಹೂಡಿಕೆಯಾಗಿದೆ. ಸುಮಾರು ಮೂರು ವರ್ಷ ಅವಧಿಯ ಲಾಕ್-ಇನ್ ಅವಧಿ ಹೊಂದಿದೆ. ಷೇರು ಮಾರುಕಟ್ಟೆ ಆಧರಿತ ಹೂಡಿಕೆಗಳಾದ್ದರಿಂದ ಮಧ್ಯಮ ಮಟ್ಟದ ಅಪಾಯವನ್ನು ಹೊಂದಿದೆ. ಆದರೆ, ಐದರಿಂದ ಹತ್ತು ವರ್ಷದ ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಉತ್ತಮ ಮೌಲ್ಯ ಸೃಷ್ಟಿಸಿ ಕೊಡಲು ನೆರವಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003E* \u003Cstrong\u003Eಮಕ್ಕಳ ಶೈಕ್ಷಣಿಕ ಯೋಜನೆ:\u003C\u002Fstrong\u003E ಮಕ್ಕಳ ಶೈಕ್ಷಣಿಕ ಭವಿಷ್ಯಕ್ಕಾಗಿ ರೂಪುಗೊಂಡ ಯೋಜನೆ ಇದಾಗಿದೆ. ಹೆಚ್ಚಿನ ವಿಮಾ ಕಂಪನಿಗಳು ಈ ರೀತಿಯ ಯೋಜನೆಗಳನ್ನು ನೀಡುತ್ತವೆ. ಇದರಿಂದ ಮಕ್ಕಳ ಶಿಕ್ಷಣಕ್ಕಾಗಿ ನಿರ್ದಿಷ್ಟ ಸಮಯದಲ್ಲಿ ಹಣ ಸಂಗ್ರಹಿಸಲು ಅನುಕೂಲವಾಗುತ್ತದೆ. ಇದು ಸಾಂಪ್ರದಾಯಿಕವಾಗಿ ವಿಮೆಯ ಜೊತೆಗೆ ನಮ್ಮದೇ ಮೊತ್ತವನ್ನು ವಾರ್ಷಿಕವಾಗಿ ಬೋನಸ್ ಮೂಲಕ ಒದಗಿಸಿಕೊಡುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಇದರ ಪ್ರಿಮಿಯಂ ಪಾವತಿ ಅವಧಿಯನ್ನು ನಮ್ಮ ಆಯ್ಕೆಯಂತೆ ಹತ್ತು ಅಥವಾ ಇಪ್ಪತ್ತು ವರ್ಷದ ತನಕ ವಿಸ್ತರಿಸಬಹುದು. ಕೆಲವೊಮ್ಮೆ ಪಾಲಕರ ಅನಿರೀಕ್ಷಿತ ಅಗಲಿಕೆಯಂತಹ ಸಂದರ್ಭದಲ್ಲಿ ಉಳಿದ ವರ್ಷಗಳ ಪ್ರಿಮಿಯಂ ಭರಿಸಿ ವಿಮಾ ಅವಧಿ ಪೂರ್ಣಗೊಂಡಾಗ ಸಂಪೂರ್ಣ ಹಣ ಒದಗಿಸಿಕೊಡುತ್ತವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಕಡಿಮೆ ಅಪಾಯದ ಹೂಡಿಕೆಗೆ ಹೆಚ್ಚು ಒತ್ತು ನೀಡುತ್ತಿದ್ದರೆ ಈಕ್ವಿಟಿ ಲಿಂಕ್ಡ್ ಸೇವಿಂಗ್ ಯೋಜನೆ ಬಿಟ್ಟು ಇನ್ನುಳಿದ ಆಯ್ಕೆಗಳು ಸೂಕ್ತವಾಗಿವೆ. ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಹೆಚ್ಚಿನ ಲಾಭಕ್ಕೆ ಈಕ್ವಿಟಿ ಲಿಂಕ್ಡ್ ಸೇವಿಂಗ್ ಯೋಜನೆಯನ್ನು ಪರಿಗಣಿಸಬಹುದು.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನನ್ನದೊಂದು ಅಂಗಡಿಯಿದ್ದು, ತಿಂಗಳಿಗೆ ₹30 ಸಾವಿರ ಸಂಪಾದನೆಯಿದೆ. ನನಗೆ ಒಂದೂವರೆ ವರ್ಷದ ಪುತ್ರಿ ಇದ್ದಾಳೆ. ಸುಕನ್ಯಾ ಸಮೃದ್ಧಿ ಯೋಜನೆಯಡಿ ಮಾಸಿಕ ₹3 ಸಾವಿರ ಕಟ್ಟುತ್ತಿದ್ದೇನೆ. ಮಗಳ ಭವಿಷ್ಯಕ್ಕೆ ಸುಲಭವಾಗಿ ಅರ್ಥವಾಗುವ ಹೂಡಿಕೆಗಳ ಬಗ್ಗೆ ತಿಳಿಸಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನಿಮ್ಮ ಮಗಳ ಭವಿಷ್ಯಕ್ಕಾಗಿ ಹೂಡಿಕೆಗೆ ಯೋಜಿಸುವಾಗ ಆರ್ಥಿಕ ಅಪಾಯವನ್ನು ಕಡಿಮೆ ಮಾಡಿಕೊಳ್ಳುವುದು ಮತ್ತು ದೀರ್ಘಾವಧಿಯ ಅಭಿವೃದ್ಧಿಯನ್ನು ಗಮನದಲ್ಲಿಟ್ಟುಕೊಂಡು ಹೂಡಿಕೆ ಮಾಡುವುದು ಸೂಕ್ತ. ಸುಕನ್ಯಾ ಸಮೃದ್ಧಿ ಯೋಜನೆಯ ಜೊತೆಗೆ ಇನ್ನಷ್ಟು ಸುಲಭ ಹಾಗೂ ಸಾಂಪ್ರದಾಯಿಕ ಆಯ್ಕೆಗಳನ್ನು ಅರಿತು ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಮೊದಲ ಹಂತದಲ್ಲಿ ನೀವು ನಿಮ್ಮ ಮನೆಯ ವೆಚ್ಚ ಇತ್ಯಾದಿ ಕಳೆದು ಇನ್ನೂ ಹೆಚ್ಚಿನ ಎಷ್ಟು ಮೊತ್ತವನ್ನು ಹೂಡಿಕೆ ಮಾಡಬಹುದು ಎಂಬುದನ್ನು ಅರಿತುಕೊಳ್ಳಿ. \u003C\u002Fp\u003E\u003Cp\u003E* \u003Cstrong\u003Eಅಂಚೆ ಕಚೇರಿ ಆರ್‌ಡಿ ಠೇವಣಿ:\u003C\u002Fstrong\u003E ಇದರಡಿ ಪ್ರತಿ ತ್ರೈಮಾಸಿಕ ಅವಧಿಗೆ ಶೇ 6.7ರಷ್ಟು ನಿಶ್ಚಿತ ಬಡ್ಡಿ ಲಭಿಸಲಿದೆ. ತಿಂಗಳಿಗೆ ಕನಿಷ್ಠ ₹100ಯಿಂದ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಮಗುವಿಗೆ ಹತ್ತು ವರ್ಷ ಆಗುವ ತನಕ ಪೋಷಕರ ಹೆಸರಲ್ಲೇ ಖಾತೆ ತೆರೆದು ವ್ಯವಹರಿಸಬಹುದು. ಈ ಹೂಡಿಕೆಯ ಅವಧಿ 5 ವರ್ಷ. ನಂತರ ಬಡ್ಡಿಸಹಿತ ನಗದೀಕರಿಸಬಹುದು. ಅದೇ ಮೊತ್ತವನ್ನು ನಿಮ್ಮ ಮುಂದಿನ ಯೋಜನೆಯ ಉದ್ದೇಶಕ್ಕೆ ತಕ್ಕಂತೆ ಮರು ಹೂಡಿಕೆ ಮಾಡಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003E* \u003Cstrong\u003Eಸಾರ್ವಜನಿಕ ಭವಿಷ್ಯ ನಿಧಿ (ಪಿಪಿಎ‌ಫ್‌):\u003C\u002Fstrong\u003E ಇದು ದೀರ್ಘಾವಧಿಯ ಹೂಡಿಕೆ ಯೋಜನೆಯಾಗಿದ್ದು, ಹದಿನೈದು ವರ್ಷದ ಹೂಡಿಕೆಯಾಗಿದೆ. ಪ್ರತಿವರ್ಷ ಕನಿಷ್ಠ ₹500ರಿಂದ ₹1.50 ಲಕ್ಷದ ತನಕ ಹೂಡಿಕೆ ಮಾಡಲು ಅವಕಾಶ ಇದೆ. ಪ್ರತಿವರ್ಷ ಶೇ 7.1ರಷ್ಟು ಬಡ್ಡಿ ದೊರೆಯುತ್ತದೆ. ಈ ಖಾತೆಯನ್ನು ಮಕ್ಕಳ ಹೆಸರಲ್ಲಿಯೂ ತೆರೆಯಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003E* \u003Cstrong\u003Eಬ್ಯಾಂಕ್ ಎಫ್‌ಡಿ:\u003C\u002Fstrong\u003E ಇದು ಕೂಡ ಭದ್ರವಾದ ಹೂಡಿಕೆ ಆಯ್ಕೆಯಾಗಿದೆ. ನಿಮ್ಮ ಹೂಡಿಕೆ ಅವಧಿ ಅನುಸರಿಸಿ ಶೇ 8ರ ತನಕವೂ ನಿಶ್ಚಿತ ಬಡ್ಡಿ ಗಳಿಸಬಹುದು. ಒಂದು ವೇಳೆ ಹಣದ ತುರ್ತು ಅಗತ್ಯ ಬಂದರೆ ಅವಧಿಗೂ ಮುನ್ನ ಅದನ್ನು ನಗದೀಕರಿಸುವ ಅವಕಾಶವಿದೆ.  \u003C\u002Fp\u003E\u003Cp\u003E* \u003Cstrong\u003Eಈಕ್ವಿಟಿ ಲಿಂಕ್ಡ್ ಸೇವಿಂಗ್ ಯೋಜನೆ:\u003C\u002Fstrong\u003E ಇದು ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ವರ್ಗಕ್ಕೆ ಸೇರಿದ ಹೂಡಿಕೆಯಾಗಿದೆ. ಸುಮಾರು ಮೂರು ವರ್ಷ ಅವಧಿಯ ಲಾಕ್-ಇನ್ ಅವಧಿ ಹೊಂದಿದೆ. ಷೇರು ಮಾರುಕಟ್ಟೆ ಆಧರಿತ ಹೂಡಿಕೆಗಳಾದ್ದರಿಂದ ಮಧ್ಯಮ ಮಟ್ಟದ ಅಪಾಯವನ್ನು ಹೊಂದಿದೆ. ಆದರೆ, ಐದರಿಂದ ಹತ್ತು ವರ್ಷದ ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಉತ್ತಮ ಮೌಲ್ಯ ಸೃಷ್ಟಿಸಿ ಕೊಡಲು ನೆರವಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003E* \u003Cstrong\u003Eಮಕ್ಕಳ ಶೈಕ್ಷಣಿಕ ಯೋಜನೆ:\u003C\u002Fstrong\u003E ಮಕ್ಕಳ ಶೈಕ್ಷಣಿಕ ಭವಿಷ್ಯಕ್ಕಾಗಿ ರೂಪುಗೊಂಡ ಯೋಜನೆ ಇದಾಗಿದೆ. ಹೆಚ್ಚಿನ ವಿಮಾ ಕಂಪನಿಗಳು ಈ ರೀತಿಯ ಯೋಜನೆಗಳನ್ನು ನೀಡುತ್ತವೆ. ಇದರಿಂದ ಮಕ್ಕಳ ಶಿಕ್ಷಣಕ್ಕಾಗಿ ನಿರ್ದಿಷ್ಟ ಸಮಯದಲ್ಲಿ ಹಣ ಸಂಗ್ರಹಿಸಲು ಅನುಕೂಲವಾಗುತ್ತದೆ. ಇದು ಸಾಂಪ್ರದಾಯಿಕವಾಗಿ ವಿಮೆಯ ಜೊತೆಗೆ ನಮ್ಮದೇ ಮೊತ್ತವನ್ನು ವಾರ್ಷಿಕವಾಗಿ ಬೋನಸ್ ಮೂಲಕ ಒದಗಿಸಿಕೊಡುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಇದರ ಪ್ರಿಮಿಯಂ ಪಾವತಿ ಅವಧಿಯನ್ನು ನಮ್ಮ ಆಯ್ಕೆಯಂತೆ ಹತ್ತು ಅಥವಾ ಇಪ್ಪತ್ತು ವರ್ಷದ ತನಕ ವಿಸ್ತರಿಸಬಹುದು. ಕೆಲವೊಮ್ಮೆ ಪಾಲಕರ ಅನಿರೀಕ್ಷಿತ ಅಗಲಿಕೆಯಂತಹ ಸಂದರ್ಭದಲ್ಲಿ ಉಳಿದ ವರ್ಷಗಳ ಪ್ರಿಮಿಯಂ ಭರಿಸಿ ವಿಮಾ ಅವಧಿ ಪೂರ್ಣಗೊಂಡಾಗ ಸಂಪೂರ್ಣ ಹಣ ಒದಗಿಸಿಕೊಡುತ್ತವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಕಡಿಮೆ ಅಪಾಯದ ಹೂಡಿಕೆಗೆ ಹೆಚ್ಚು ಒತ್ತು ನೀಡುತ್ತಿದ್ದರೆ ಈಕ್ವಿಟಿ ಲಿಂಕ್ಡ್ ಸೇವಿಂಗ್ ಯೋಜನೆ ಬಿಟ್ಟು ಇನ್ನುಳಿದ ಆಯ್ಕೆಗಳು ಸೂಕ್ತವಾಗಿವೆ. ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಹೆಚ್ಚಿನ ಲಾಭಕ್ಕೆ ಈಕ್ವಿಟಿ ಲಿಂಕ್ಡ್ ಸೇವಿಂಗ್ ಯೋಜನೆಯನ್ನು ಪರಿಗಣಿಸಬಹುದು.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1740529045683,"content-version-id":"21e8ff60-9639-4436-b5dd-e073adf53182","card-added-at":1740486370425,"status":"draft","id":"e4b0d3fb-b39c-48b1-829a-986eaaf4641b","content-id":"e4b0d3fb-b39c-48b1-829a-986eaaf4641b","version":7,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ಮಗಳ ಭವಿಷ್ಯಕ್ಕೆ ಸುಲಭವಾಗಿ ಅರ್ಥವಾಗುವ ಹೂಡಿಕೆಗಳ ಬಗ್ಗೆ ತಿಳಿಸಿ","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2025-02-25\u002F876h8m0m\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","url":null,"attribution":null,"alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"original-url":"http:\u002F\u002Fdcxprod.tpml.in\u002Fdevice_dh\u002Foriginal5\u002F2022\u002F01-24\u002F28\u002Fd0\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","width":1280,"height":1280,"focus-point":[625,416]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Ffinancial-expert-advice-for-money-savings-3182758","story-version-id":"3b38f729-f79e-4719-99e7-8adfa0b40fff","content-type":"story","content-updated-at":1740529048988,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1740529048802,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":7,"story-template":"syndicated","sequence-no":null,"created-at":1740529045675,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ ಸುದ್ದಿ"]},"imported-card-id":"e4b0d3fb-b39c-48b1-829a-986eaaf4641b","card-share":{"shareable":false}},"publish-at":null,"assignee-name":"syndication"}},{"id":"9f1a447f-b35f-4c74-8119-5c60e7ced165","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ: ದೇಣಿಗೆ ರಸೀದಿ ಆಧಾರದ ಮೇಲೆ ಆದಾಯ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಪಡೆಯಬಹುದೇ? "]},"story":{"updated-at":1739386276708,"seo":{"meta-description":"ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ\n\n","meta-keywords":["Finance","Investment"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5510710,"name":"Investment","meta-description":null,"meta-title":null,"slug":"investment","tag-type":"Tag"},{"id":5510713,"name":"Finance","meta-description":null,"meta-title":null,"slug":"finance","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ದೇಣಿಗೆ ರಸೀದಿ ಆಧಾರದ ಮೇಲೆ ಆದಾಯ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಪಡೆಯಬಹುದೇ? ","storyline-id":null,"votes":{},"story-content-id":"9f1a447f-b35f-4c74-8119-5c60e7ced165","slug":"business\u002Fprashnottara\u002Fexperts-suggestions-in-investment-and-tax-3164250","last-published-at":1739386278308,"public-identifier":"3164250","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1739277059198,"is-embargoed":false,"owner-name":"syndication","custom-slug":"experts suggestions in investment and tax","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"width":300,"height":168,"mime-type":"image\u002Fjpeg","file-size":7010,"file-name":"download-1.jpg","focus-point":[157,55]},"comments":null,"word-count":465,"story-features":null,"entities":{},"published-at":1739386278308,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7zbiu3rkp3drnhson8w","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"9f1a447f-b35f-4c74-8119-5c60e7ced165","hero-image-s3-key":"prajavani\u002F2025-02-12\u002Fm9tqf5zr\u002Fdownload-1.jpg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F9f1a447f-b35f-4c74-8119-5c60e7ced165\u002Felement\u002F83977485-72d1-4e21-8b88-b04f2c1270b1","type":"text","family-id":"a38a3127-54a5-466d-bf6f-7200014d62e4","title":"","id":"83977485-72d1-4e21-8b88-b04f2c1270b1","metadata":{},"subtype":null,"text":" \u003Cp\u003E\u003Cstrong\u003Eಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E "},{"description":"","page-url":"\u002Fstory\u002F9f1a447f-b35f-4c74-8119-5c60e7ced165\u002Felement\u002Fe71586ca-7d5e-424f-b287-eb6d5ec1dbda","type":"text","family-id":"10a30b44-b9b7-403d-ad02-da09adc9c0db","title":"","id":"e71586ca-7d5e-424f-b287-eb6d5ec1dbda","metadata":{"question":"\u003Cp\u003Eನಾನು ಇತ್ತೀಚೆಗೆ ನಮ್ಮ ಹುಟ್ಟೂರಿನ ದೇವಸ್ಥಾನದ ಅಭಿವೃದ್ಧಿ ಕಾಮಗಾರಿಗಾಗಿ ನಗದು ರೂಪದಲ್ಲಿ ದೇಣಿಗೆ ನೀಡಿದ್ದೆ. ಅವರಲ್ಲಿ ಅಧಿಕೃತ ಬ್ಯಾಂಕ್ ಖಾತೆ ಇಲ್ಲದ ಕಾರಣ ನಗದು ಮೊತ್ತ ಕೊಡಬೇಕಾಯಿತು. ಆಡಳಿತ ಮಂಡಳಿಯ ಹೆಸರಿನಲ್ಲಿ ಪ್ಯಾನ್ ಕೂಡ ಇಲ್ಲ. ಆದರೆ, ನನ್ನಲ್ಲಿ ಅವರು ನೀಡಿದ ದೇಣಿಗೆ ರಸೀದಿ ಇದೆ. ಇದರ ಆಧಾರದ ಮೇಲೆ ನಾನು ಆದಾಯ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಪಡೆಯಬಹುದೇ? ವೇದಾಂತ ಪ್ರಕಾಶ್, ಬೆಂಗಳೂರು. \u003C\u002Fp\u003E","answer":"\u003Cp\u003Eಮೊದಲನೆಯದಾಗಿ ಆದಾಯ ತೆರಿಗೆಯ ಸೆಕ್ಷನ್ 80ಜಿ ಅಡಿ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಪಡೆಯಬೇಕಾದರೆ ದೇಣಿಗೆ ಸ್ವೀಕರಿಸುವ ಸಂಸ್ಥೆಯು ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಯಡಿ ನೋಂದಾಯಿಸಲ್ಪಟ್ಟಿರಬೇಕು. ಸ್ವೀಕರಿಸಿದ ದೇಣಿಗೆಯ ಮಾಹಿತಿಯನ್ನು ಅವರು ಹಿಂದಿನ ಆರ್ಥಿಕ ವರ್ಷಕ್ಕೆ ಸಂಬಂಧಿಸಿ ದೇಣಿಗೆ ನೀಡಿದವರ ಹೆಸರು, ಪ್ಯಾನ್, ವಿಳಾಸ, ಮೊತ್ತ ಇತ್ಯಾದಿ ಮಾಹಿತಿಗಳೊಂದಿಗೆ ನಿಗದಿತ ಫಾರಂನಲ್ಲಿ (ಫಾರಂ 10ಬಿಡಿ) ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಗೆ ಮೇ 31ರೊಳಗೆ ಸಲ್ಲಿಸಬೇಕಾಗಿರುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eದೇಣಿಗೆ ನೀಡಿದವರಿಗೆ ‘ಫಾರಂ 10 ಬಿ ಇ’ ಕೂಡ ನೀಡಬೇಕಾಗಿರುತ್ತದೆ. ನಿಮ್ಮ ಬಳಿ ಇರುವ ರಸೀದಿ ಆಧಾರದಲ್ಲಿ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಪಡೆಯಲು ಯತ್ನಿಸಿದರೂ ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಯಿಂದ ನೋಟಿಸ್ ಬರುವ ಸಾಧ್ಯತೆಯೇ ಹೆಚ್ಚು.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ತಿಳಿಸಿರುವ ಮಾಹಿತಿಯಂತೆ ಈ ಹಂತದಲ್ಲಿ ಅವನ್ನು ಪಡೆಯುವುದು ಸಾಧ್ಯವಿಲ್ಲದ ಕಾರಣ ಯಾವುದೇ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಪಡೆಯುವುದು ಸಾಧ್ಯವಿಲ್ಲ. ಅಲ್ಲದೆ, ₹2,000ಕ್ಕಿಂತ ಅಧಿಕ ದೇಣಿಗೆಯನ್ನು ಮಾನ್ಯತೆ ಇರುವ ಸಂಸ್ಥೆಗೆ ನಗದು ರೂಪದಲ್ಲಿ ಕೊಟ್ಟರೂ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಸಿಗುವುದಿಲ್ಲ. ನೀವು ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿ ಅನುಸರಿಸುತ್ತಿದ್ದರೆ ಸೆಕ್ಷನ್ 80ಜಿ ಅಡಿ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಪಡೆಯುವ ಅವಕಾಶ ಇಲ್ಲ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಇತ್ತೀಚೆಗೆ ನಮ್ಮ ಹುಟ್ಟೂರಿನ ದೇವಸ್ಥಾನದ ಅಭಿವೃದ್ಧಿ ಕಾಮಗಾರಿಗಾಗಿ ನಗದು ರೂಪದಲ್ಲಿ ದೇಣಿಗೆ ನೀಡಿದ್ದೆ. ಅವರಲ್ಲಿ ಅಧಿಕೃತ ಬ್ಯಾಂಕ್ ಖಾತೆ ಇಲ್ಲದ ಕಾರಣ ನಗದು ಮೊತ್ತ ಕೊಡಬೇಕಾಯಿತು. ಆಡಳಿತ ಮಂಡಳಿಯ ಹೆಸರಿನಲ್ಲಿ ಪ್ಯಾನ್ ಕೂಡ ಇಲ್ಲ. ಆದರೆ, ನನ್ನಲ್ಲಿ ಅವರು ನೀಡಿದ ದೇಣಿಗೆ ರಸೀದಿ ಇದೆ. ಇದರ ಆಧಾರದ ಮೇಲೆ ನಾನು ಆದಾಯ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಪಡೆಯಬಹುದೇ? ವೇದಾಂತ ಪ್ರಕಾಶ್, ಬೆಂಗಳೂರು. \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eಮೊದಲನೆಯದಾಗಿ ಆದಾಯ ತೆರಿಗೆಯ ಸೆಕ್ಷನ್ 80ಜಿ ಅಡಿ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಪಡೆಯಬೇಕಾದರೆ ದೇಣಿಗೆ ಸ್ವೀಕರಿಸುವ ಸಂಸ್ಥೆಯು ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಯಡಿ ನೋಂದಾಯಿಸಲ್ಪಟ್ಟಿರಬೇಕು. ಸ್ವೀಕರಿಸಿದ ದೇಣಿಗೆಯ ಮಾಹಿತಿಯನ್ನು ಅವರು ಹಿಂದಿನ ಆರ್ಥಿಕ ವರ್ಷಕ್ಕೆ ಸಂಬಂಧಿಸಿ ದೇಣಿಗೆ ನೀಡಿದವರ ಹೆಸರು, ಪ್ಯಾನ್, ವಿಳಾಸ, ಮೊತ್ತ ಇತ್ಯಾದಿ ಮಾಹಿತಿಗಳೊಂದಿಗೆ ನಿಗದಿತ ಫಾರಂನಲ್ಲಿ (ಫಾರಂ 10ಬಿಡಿ) ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಗೆ ಮೇ 31ರೊಳಗೆ ಸಲ್ಲಿಸಬೇಕಾಗಿರುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eದೇಣಿಗೆ ನೀಡಿದವರಿಗೆ ‘ಫಾರಂ 10 ಬಿ ಇ’ ಕೂಡ ನೀಡಬೇಕಾಗಿರುತ್ತದೆ. ನಿಮ್ಮ ಬಳಿ ಇರುವ ರಸೀದಿ ಆಧಾರದಲ್ಲಿ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಪಡೆಯಲು ಯತ್ನಿಸಿದರೂ ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಯಿಂದ ನೋಟಿಸ್ ಬರುವ ಸಾಧ್ಯತೆಯೇ ಹೆಚ್ಚು.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ತಿಳಿಸಿರುವ ಮಾಹಿತಿಯಂತೆ ಈ ಹಂತದಲ್ಲಿ ಅವನ್ನು ಪಡೆಯುವುದು ಸಾಧ್ಯವಿಲ್ಲದ ಕಾರಣ ಯಾವುದೇ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಪಡೆಯುವುದು ಸಾಧ್ಯವಿಲ್ಲ. ಅಲ್ಲದೆ, ₹2,000ಕ್ಕಿಂತ ಅಧಿಕ ದೇಣಿಗೆಯನ್ನು ಮಾನ್ಯತೆ ಇರುವ ಸಂಸ್ಥೆಗೆ ನಗದು ರೂಪದಲ್ಲಿ ಕೊಟ್ಟರೂ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಸಿಗುವುದಿಲ್ಲ. ನೀವು ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿ ಅನುಸರಿಸುತ್ತಿದ್ದರೆ ಸೆಕ್ಷನ್ 80ಜಿ ಅಡಿ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಪಡೆಯುವ ಅವಕಾಶ ಇಲ್ಲ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F9f1a447f-b35f-4c74-8119-5c60e7ced165\u002Felement\u002F6038c6a0-24c1-4be7-846a-495dc4942ff7","type":"text","family-id":"6767082f-c578-40ad-bc40-fa09504b915d","title":"","id":"6038c6a0-24c1-4be7-846a-495dc4942ff7","metadata":{"question":"\u003Cp\u003Eನನ್ನ ಪುತ್ರಿಯ ಮದುವೆ ಖರ್ಚಿಗಾಗಿ ನಾನು ₹12 ಲಕ್ಷ ಮೊತ್ತವನ್ನು ಕಾರ್ಪೊರೇಟ್ ಬಾಂಡ್ ರೆಗ್ಯುಲರ್ ಗ್ರೋಥ್‌ ಯೋಜನೆಯಡಿ ಹೂಡಿಕೆ ಮಾಡಿದ್ದೇನೆ. ಮದುವೆ ಬಗ್ಗೆ ಹಾಗೂ ಹಣ ಪಡೆಯುವ ಸಂದರ್ಭದ ಬಗ್ಗೆ ನಿಖರವಾಗಿ ಈಗಲೇ ಊಹಿಸುವುದು ಸಾಧ್ಯವಿಲ್ಲ. ಈ ಫಂಡ್‌ನಲ್ಲಿ ಯಾವುದೇ ಎಕ್ಸಿಟ್ ಲೋಡ್ ಹಾಗೂ ಲಾಕ್ ಇನ್ ಅವಧಿ ಇಲ್ಲದ ಕಾರಣ ಈ  ಫಂಡ್‌ನಲ್ಲಿ ಹಣ ತೊಡಗಿಸಿದ್ದೇನೆ. ನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ ಕಾರ್ಪೊರೇಟ್ ಬಾಂಡ್ ರೆಗ್ಯುಲರ್ ಗ್ರೋಥ್‌ ಪ್ಲ್ಯಾನ್ ಉತ್ತಮವಾದುದೇ? ನಾನು ಇದರಲ್ಲೇ ಮುಂದುವರಿಯಲೇ? ಅಥವಾ ಈ ಫಂಡ್‌ನಿಂದ ಬೇರೆ ಫಂಡ್‌ಗೆ ಈ ಮೊತ್ತ ವರ್ಗಾಯಿಸಲೇ? ಅಲ್ಲದೆ ನನ್ನ ಬಳಿ ₹1.50 ಲಕ್ಷ ಹೆಚ್ಚುವರಿ ಇದೆ. ಈ ಮೊತ್ತವನ್ನು ಪ್ರಸ್ತುತ ಇರುವ ಕಾರ್ಪೊರೇಟ್ ಬಾಂಡ್ ರೆಗ್ಯುಲರ್ ಗ್ರೋಥ್‌ ಯೋಜನೆಯಲ್ಲೇ ಹೂಡಿಕೆ ಮಾಡಲೇ ಅಥವಾ ಇತರ ಸ್ಕೀಂನಲ್ಲಿ ತೊಡಗಿಸಲೇ. ಈ ಬಗ್ಗೆ ಸಲಹೆ ನೀಡಿ.\r\n\r\u003C\u002Fp\u003E\u003Cp\u003Eರಜನಿ, ಮೈಸೂರು.\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನಿಮ್ಮ ಪ್ರಶ್ನೆಗೆ ನೇರ ಉತ್ತರಿಸುವ ಮೊದಲು ಈ ಕಾರ್ಪೊರೇಟ್ ಬಾಂಡ್‌ ಸ್ಕೀಂ ಹೇಗೆ ಕಾರ್ಯ ನಿರ್ವಹಿಸಲ್ಪಡುತ್ತದೆ ಎಂಬ ಬಗ್ಗೆ ಮಾಹಿತಿ ಪಡೆದುಕೊಳ್ಳಿ. ಬಂಡವಾಳದ ಅಗತ್ಯ ಇರುವ ಕಾರ್ಪೊರೇಟ್ ಸಂಸ್ಥೆಗಳು ತಮ್ಮ ಸಂಸ್ಥೆಯ ಹಣಕಾಸು ಸ್ಥಿರತೆಯ ಅರ್ಹತೆ (ಕ್ರೆಡಿಟ್ ರೇಟಿಂಗ್) ಮೇಲೆ ಸಾಲ ಪತ್ರ ವಿತರಿಸಿ ದೀರ್ಘಾವಧಿ ಉದ್ದೇಶಿತ ಪ್ರಾಜೆಕ್ಟ್‌ಗಳಿಗೆ (ಉದಾಹರಣೆಗೆ: ರಸ್ತೆ ನಿರ್ಮಾಣ, ಗೃಹ ನಿರ್ಮಾಣ, ಗ್ರಾಮೀಣ ವಿದ್ಯುತ್ ಸರಬರಾಜು ಇತ್ಯಾದಿ) ಹಣ ಸಂಗ್ರಹಿಸುತ್ತವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಇಂತಹ ಸಾಲಪತ್ರಗಳನ್ನು ನೀವು ತಿಳಿಸಿರುವ ಕಾರ್ಪೊರೇಟ್ ಬಾಂಡ್‌ನಂತಹ ನಿರ್ದಿಷ್ಟ ವಿಭಾಗದ ಹೂಡಿಕೆಗಿರುವ ಫಂಡ್ ಹೌಸ್‌ಗಳು ಖರೀದಿಸುತ್ತವೆ. ಈ ಖರೀದಿಗೆ ಎನ್‌ಎಫ್‌ಒ ಮೂಲಕ ಆದ್ಯ ಹಂತದಲ್ಲಿ ಹಣ ಸಂಗ್ರಹಿಸಿ ಕಾರ್ಪೊರೇಟ್ ಬಾಂಡ್‌ಗಳನ್ನು ಖರೀದಿಸುತ್ತವೆ. ಇದಕ್ಕೆ ಪ್ರತಿಯಾಗಿ ಅವು ನಿಗದಿ ಮಾಡಿರುವ ಬಡ್ಡಿ ಮೊತ್ತವನ್ನು ಸಮಯಾನುಸಾರ ಗಳಿಸುತ್ತವೆ. ಈ ಆದಾಯ ಸಾಮಾನ್ಯವಾಗಿ ಶೇ 6ರಿಂದ ಶೇ 8 ಮಾತ್ರ ಇರುತ್ತದೆ. ಈ ವರ್ಗದಲ್ಲಿ ಬರುವ ಶೇ 70ಕ್ಕಿಂತ ಅಧಿಕ ಮೊತ್ತ ಬಾಂಡ್ ಹಾಗೂ ಡಿಬೆಂಚರ್‌ಗಳಲ್ಲೇ ತೊಡಗಿಸಲಾಗುತ್ತದೆ. ಉಳಿದ ಮೊತ್ತವನ್ನು ಸರ್ಕಾರಿ ಭದ್ರತೆ ಇರುವ ಬಾಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಲಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಬಾಂಡ್ ಹಾಗೂ ಡಿಬೆಂಚರ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವಾಗ ಫಂಡ್ ಹೌಸ್‌ಗಳು ವಿವಿಧ ಕಂಪನಿಯಲ್ಲಿ ನಿಗದಿತ ಮಿತಿಯೊಳಗೆ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆ. ಹೀಗಾಗಿ, ಒಂದು ಕಂಪನಿ ಅನಿರೀಕ್ಷಿತವಾಗಿ ಅಪಾಯದ ಹಂತಕ್ಕೆ ಬಂದರೂ ಒಟ್ಟಾರೆ ದೊಡ್ಡ ಅಪಾಯವಾಗುವುದಿಲ್ಲ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಮಾಹಿತಿಯಂತೆ ನಿಮಗೆ ಯಾವುದೇ ಸಂದರ್ಭದಲ್ಲಿ ಹಣ ಬೇಕೆಂದಾಗ ಸುಲಭದಲ್ಲಿ ಹಿಂಪಡೆಯುವ ಏಕೈಕ ಉದ್ದೇಶಕ್ಕಾಗಿಯಾದರೆ ಹಾಗೂ ಆದಾಯದ ಮೇಲೆ ನಿರ್ದಿಷ್ಟ ನಿರೀಕ್ಷೆ ಇಲ್ಲದಿದ್ದರೆ ಈ ಹೂಡಿಕೆಯಲ್ಲಿ ಮುಂದುವರಿಯುವುದರಲ್ಲಿ ತೊಂದರೆ ಇಲ್ಲ. ಆದರೆ, ಮಾಹಿತಿ ದೃಷ್ಟಿಯಿಂದ ಹೇಳುವುದಾದರೆ ಅತಿ ವಿರಳ ಹಾಗೂ ಅಪರೂಪದ ಸಂದರ್ಭದಲ್ಲಿ ಪರಿಗಣಿಸಬೇಕಾದ ಭದ್ರತೆಯ ದೃಷ್ಟಿಯಲ್ಲಿ ಈ ಹೂಡಿಕೆ ಬ್ಯಾಂಕ್‌ನಲ್ಲಿ ಮಾಡುವ ಹೂಡಿಕೆಗಳಿಗಿಂತ ನಂತರದ ಸ್ಥಾನದಲ್ಲಿ ಬರುತ್ತವೆ.\u003C\u002Fp\u003E\u003Cp\u003E₹5 ಲಕ್ಷದ ತನಕದ ಠೇವಣಿಗೆ ಬ್ಯಾಂಕ್‌ಗಳಲ್ಲಿ ಠೇವಣಿ ನಷ್ಟ ವಿಮಾ ಸೌಲಭ್ಯ ಇದೆ ಹಾಗೂ ಬಡ್ಡಿದರ ಮೊದಲೇ ನಿಶ್ಚಿತ ಆಗಿರುತ್ತದೆ. ಆದರೆ, ಬಾಂಡ್‌ಗಳಲ್ಲಿ ಮಾರುಕಟ್ಟೆ ದರದ ಆಧಾರದ ಮೇಲೆ ಇದು ಅಲ್ಪ ಪ್ರಮಾಣದ ವ್ಯತ್ಯಾಸ ಆಗಬಹುದು. ನಿಮ್ಮ ಹೆಚ್ಚುವರಿ ಹಣವನ್ನು ಪ್ರತ್ಯೇಕವಾಗಿ ಬ್ಯಾಂಕ್ ಎಫ್‌.ಡಿಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ. ಒಂದು ವೇಳೆ ಈ ಮೊತ್ತ 3 ರಿಂದ 5 ವರ್ಷ ಯಾವುದೇ ಅಗತ್ಯ ಇಲ್ಲ ಎಂದಾದರೆ ಮಾತ್ರ ಹಂತ ಹಂತದಲ್ಲಿ ಇತರೆ ಬ್ಯಾಲೆನ್ಸ್ಡ್ ಫಂಡ್, ಫ್ಲೆಕ್ಸಿ ಫಂಡ್ ಇತ್ಯಾದಿಗಳಲ್ಲಿ ತೊಡಗಿಸಬಹುದು.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನನ್ನ ಪುತ್ರಿಯ ಮದುವೆ ಖರ್ಚಿಗಾಗಿ ನಾನು ₹12 ಲಕ್ಷ ಮೊತ್ತವನ್ನು ಕಾರ್ಪೊರೇಟ್ ಬಾಂಡ್ ರೆಗ್ಯುಲರ್ ಗ್ರೋಥ್‌ ಯೋಜನೆಯಡಿ ಹೂಡಿಕೆ ಮಾಡಿದ್ದೇನೆ. ಮದುವೆ ಬಗ್ಗೆ ಹಾಗೂ ಹಣ ಪಡೆಯುವ ಸಂದರ್ಭದ ಬಗ್ಗೆ ನಿಖರವಾಗಿ ಈಗಲೇ ಊಹಿಸುವುದು ಸಾಧ್ಯವಿಲ್ಲ. ಈ ಫಂಡ್‌ನಲ್ಲಿ ಯಾವುದೇ ಎಕ್ಸಿಟ್ ಲೋಡ್ ಹಾಗೂ ಲಾಕ್ ಇನ್ ಅವಧಿ ಇಲ್ಲದ ಕಾರಣ ಈ  ಫಂಡ್‌ನಲ್ಲಿ ಹಣ ತೊಡಗಿಸಿದ್ದೇನೆ. ನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ ಕಾರ್ಪೊರೇಟ್ ಬಾಂಡ್ ರೆಗ್ಯುಲರ್ ಗ್ರೋಥ್‌ ಪ್ಲ್ಯಾನ್ ಉತ್ತಮವಾದುದೇ? ನಾನು ಇದರಲ್ಲೇ ಮುಂದುವರಿಯಲೇ? ಅಥವಾ ಈ ಫಂಡ್‌ನಿಂದ ಬೇರೆ ಫಂಡ್‌ಗೆ ಈ ಮೊತ್ತ ವರ್ಗಾಯಿಸಲೇ? ಅಲ್ಲದೆ ನನ್ನ ಬಳಿ ₹1.50 ಲಕ್ಷ ಹೆಚ್ಚುವರಿ ಇದೆ. ಈ ಮೊತ್ತವನ್ನು ಪ್ರಸ್ತುತ ಇರುವ ಕಾರ್ಪೊರೇಟ್ ಬಾಂಡ್ ರೆಗ್ಯುಲರ್ ಗ್ರೋಥ್‌ ಯೋಜನೆಯಲ್ಲೇ ಹೂಡಿಕೆ ಮಾಡಲೇ ಅಥವಾ ಇತರ ಸ್ಕೀಂನಲ್ಲಿ ತೊಡಗಿಸಲೇ. ಈ ಬಗ್ಗೆ ಸಲಹೆ ನೀಡಿ.\r\n\r\u003C\u002Fp\u003E\u003Cp\u003Eರಜನಿ, ಮೈಸೂರು.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನಿಮ್ಮ ಪ್ರಶ್ನೆಗೆ ನೇರ ಉತ್ತರಿಸುವ ಮೊದಲು ಈ ಕಾರ್ಪೊರೇಟ್ ಬಾಂಡ್‌ ಸ್ಕೀಂ ಹೇಗೆ ಕಾರ್ಯ ನಿರ್ವಹಿಸಲ್ಪಡುತ್ತದೆ ಎಂಬ ಬಗ್ಗೆ ಮಾಹಿತಿ ಪಡೆದುಕೊಳ್ಳಿ. ಬಂಡವಾಳದ ಅಗತ್ಯ ಇರುವ ಕಾರ್ಪೊರೇಟ್ ಸಂಸ್ಥೆಗಳು ತಮ್ಮ ಸಂಸ್ಥೆಯ ಹಣಕಾಸು ಸ್ಥಿರತೆಯ ಅರ್ಹತೆ (ಕ್ರೆಡಿಟ್ ರೇಟಿಂಗ್) ಮೇಲೆ ಸಾಲ ಪತ್ರ ವಿತರಿಸಿ ದೀರ್ಘಾವಧಿ ಉದ್ದೇಶಿತ ಪ್ರಾಜೆಕ್ಟ್‌ಗಳಿಗೆ (ಉದಾಹರಣೆಗೆ: ರಸ್ತೆ ನಿರ್ಮಾಣ, ಗೃಹ ನಿರ್ಮಾಣ, ಗ್ರಾಮೀಣ ವಿದ್ಯುತ್ ಸರಬರಾಜು ಇತ್ಯಾದಿ) ಹಣ ಸಂಗ್ರಹಿಸುತ್ತವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಇಂತಹ ಸಾಲಪತ್ರಗಳನ್ನು ನೀವು ತಿಳಿಸಿರುವ ಕಾರ್ಪೊರೇಟ್ ಬಾಂಡ್‌ನಂತಹ ನಿರ್ದಿಷ್ಟ ವಿಭಾಗದ ಹೂಡಿಕೆಗಿರುವ ಫಂಡ್ ಹೌಸ್‌ಗಳು ಖರೀದಿಸುತ್ತವೆ. ಈ ಖರೀದಿಗೆ ಎನ್‌ಎಫ್‌ಒ ಮೂಲಕ ಆದ್ಯ ಹಂತದಲ್ಲಿ ಹಣ ಸಂಗ್ರಹಿಸಿ ಕಾರ್ಪೊರೇಟ್ ಬಾಂಡ್‌ಗಳನ್ನು ಖರೀದಿಸುತ್ತವೆ. ಇದಕ್ಕೆ ಪ್ರತಿಯಾಗಿ ಅವು ನಿಗದಿ ಮಾಡಿರುವ ಬಡ್ಡಿ ಮೊತ್ತವನ್ನು ಸಮಯಾನುಸಾರ ಗಳಿಸುತ್ತವೆ. ಈ ಆದಾಯ ಸಾಮಾನ್ಯವಾಗಿ ಶೇ 6ರಿಂದ ಶೇ 8 ಮಾತ್ರ ಇರುತ್ತದೆ. ಈ ವರ್ಗದಲ್ಲಿ ಬರುವ ಶೇ 70ಕ್ಕಿಂತ ಅಧಿಕ ಮೊತ್ತ ಬಾಂಡ್ ಹಾಗೂ ಡಿಬೆಂಚರ್‌ಗಳಲ್ಲೇ ತೊಡಗಿಸಲಾಗುತ್ತದೆ. ಉಳಿದ ಮೊತ್ತವನ್ನು ಸರ್ಕಾರಿ ಭದ್ರತೆ ಇರುವ ಬಾಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಲಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಬಾಂಡ್ ಹಾಗೂ ಡಿಬೆಂಚರ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವಾಗ ಫಂಡ್ ಹೌಸ್‌ಗಳು ವಿವಿಧ ಕಂಪನಿಯಲ್ಲಿ ನಿಗದಿತ ಮಿತಿಯೊಳಗೆ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆ. ಹೀಗಾಗಿ, ಒಂದು ಕಂಪನಿ ಅನಿರೀಕ್ಷಿತವಾಗಿ ಅಪಾಯದ ಹಂತಕ್ಕೆ ಬಂದರೂ ಒಟ್ಟಾರೆ ದೊಡ್ಡ ಅಪಾಯವಾಗುವುದಿಲ್ಲ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಮಾಹಿತಿಯಂತೆ ನಿಮಗೆ ಯಾವುದೇ ಸಂದರ್ಭದಲ್ಲಿ ಹಣ ಬೇಕೆಂದಾಗ ಸುಲಭದಲ್ಲಿ ಹಿಂಪಡೆಯುವ ಏಕೈಕ ಉದ್ದೇಶಕ್ಕಾಗಿಯಾದರೆ ಹಾಗೂ ಆದಾಯದ ಮೇಲೆ ನಿರ್ದಿಷ್ಟ ನಿರೀಕ್ಷೆ ಇಲ್ಲದಿದ್ದರೆ ಈ ಹೂಡಿಕೆಯಲ್ಲಿ ಮುಂದುವರಿಯುವುದರಲ್ಲಿ ತೊಂದರೆ ಇಲ್ಲ. ಆದರೆ, ಮಾಹಿತಿ ದೃಷ್ಟಿಯಿಂದ ಹೇಳುವುದಾದರೆ ಅತಿ ವಿರಳ ಹಾಗೂ ಅಪರೂಪದ ಸಂದರ್ಭದಲ್ಲಿ ಪರಿಗಣಿಸಬೇಕಾದ ಭದ್ರತೆಯ ದೃಷ್ಟಿಯಲ್ಲಿ ಈ ಹೂಡಿಕೆ ಬ್ಯಾಂಕ್‌ನಲ್ಲಿ ಮಾಡುವ ಹೂಡಿಕೆಗಳಿಗಿಂತ ನಂತರದ ಸ್ಥಾನದಲ್ಲಿ ಬರುತ್ತವೆ.\u003C\u002Fp\u003E\u003Cp\u003E₹5 ಲಕ್ಷದ ತನಕದ ಠೇವಣಿಗೆ ಬ್ಯಾಂಕ್‌ಗಳಲ್ಲಿ ಠೇವಣಿ ನಷ್ಟ ವಿಮಾ ಸೌಲಭ್ಯ ಇದೆ ಹಾಗೂ ಬಡ್ಡಿದರ ಮೊದಲೇ ನಿಶ್ಚಿತ ಆಗಿರುತ್ತದೆ. ಆದರೆ, ಬಾಂಡ್‌ಗಳಲ್ಲಿ ಮಾರುಕಟ್ಟೆ ದರದ ಆಧಾರದ ಮೇಲೆ ಇದು ಅಲ್ಪ ಪ್ರಮಾಣದ ವ್ಯತ್ಯಾಸ ಆಗಬಹುದು. ನಿಮ್ಮ ಹೆಚ್ಚುವರಿ ಹಣವನ್ನು ಪ್ರತ್ಯೇಕವಾಗಿ ಬ್ಯಾಂಕ್ ಎಫ್‌.ಡಿಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ. ಒಂದು ವೇಳೆ ಈ ಮೊತ್ತ 3 ರಿಂದ 5 ವರ್ಷ ಯಾವುದೇ ಅಗತ್ಯ ಇಲ್ಲ ಎಂದಾದರೆ ಮಾತ್ರ ಹಂತ ಹಂತದಲ್ಲಿ ಇತರೆ ಬ್ಯಾಲೆನ್ಸ್ಡ್ ಫಂಡ್, ಫ್ಲೆಕ್ಸಿ ಫಂಡ್ ಇತ್ಯಾದಿಗಳಲ್ಲಿ ತೊಡಗಿಸಬಹುದು.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1739386276293,"content-version-id":"359d8722-9cb2-454b-9936-168ebbbfa2bb","card-added-at":1739277059353,"status":"draft","id":"9e4d45dc-2f0f-4905-bd02-49593e32bcb5","content-id":"9e4d45dc-2f0f-4905-bd02-49593e32bcb5","version":17,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ದೇಣಿಗೆ ರಸೀದಿ ಆಧಾರದ ಮೇಲೆ ಆದಾಯ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಪಡೆಯಬಹುದೇ? ","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2025-02-12\u002Fm9tqf5zr\u002Fdownload-1.jpg","url":null,"attribution":null,"alt-text":null,"caption":null,"metadata":{"width":300,"height":168,"mime-type":"image\u002Fjpeg","file-size":7010,"file-name":"download-1.jpg","focus-point":[157,55]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fexperts-suggestions-in-investment-and-tax-3164250","story-version-id":"e39462ba-1ba9-4516-9896-4a4e3241f7b4","content-type":"story","content-updated-at":1739386278440,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1739386278308,"hero-image-caption":null,"version":18,"story-template":"syndicated","sequence-no":null,"created-at":1739386276289,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ ಸುದ್ದಿ"]},"imported-card-id":"9e4d45dc-2f0f-4905-bd02-49593e32bcb5","card-share":{"shareable":false}},"publish-at":null,"assignee-name":"syndication"}},{"id":"5768031a-b2d0-4351-b159-6aa59879e6c2","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ: ಠೇವಣಿ ಮೊತ್ತದ ನಿರ್ವಹಣೆ ಹೇಗಿರಬೇಕು?"]},"story":{"updated-at":1738786081588,"seo":{"meta-description":"ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ","meta-keywords":["Investment","Finance","Tax"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5510710,"name":"Investment","meta-description":null,"meta-title":null,"slug":"investment","tag-type":"Tag"},{"id":5510713,"name":"Finance","meta-description":null,"meta-title":null,"slug":"finance","tag-type":"Tag"},{"id":5510997,"name":"Tax","meta-description":null,"meta-title":null,"slug":"tax","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ಠೇವಣಿ ಮೊತ್ತದ ನಿರ್ವಹಣೆ ಹೇಗಿರಬೇಕು?","storyline-id":null,"votes":{},"story-content-id":"5768031a-b2d0-4351-b159-6aa59879e6c2","slug":"business\u002Fprashnottara\u002Fhow-should-deposit-amount-be-managed-3153716","last-published-at":1738798500000,"public-identifier":"3153716","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1738666817267,"is-embargoed":false,"owner-name":"syndication","custom-slug":"How should deposit amount be managed","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"mime-type":"image\u002Fjpeg","focus-point":[149,44],"width":300,"file-size":7010,"file-name":"download.jpg","height":168},"comments":null,"word-count":464,"story-features":null,"entities":{},"published-at":1738798500000,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7z7wasqff9e1mlyxdbkd","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"5768031a-b2d0-4351-b159-6aa59879e6c2","hero-image-s3-key":"prajavani\u002F2024-10-01\u002Fndy7no3f\u002Fdownload.jpg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F5768031a-b2d0-4351-b159-6aa59879e6c2\u002Felement\u002F469ce8ea-5683-41f8-82f5-a466353ee553","type":"text","family-id":"6a613e8d-a401-48ef-a69e-740c3b370e4c","title":"","id":"469ce8ea-5683-41f8-82f5-a466353ee553","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F5768031a-b2d0-4351-b159-6aa59879e6c2\u002Felement\u002Fd113e6cf-0a4b-4a53-b757-345582fdeb07","type":"text","family-id":"ed3a4840-84ef-4fc2-a578-0e3177654471","title":"","id":"d113e6cf-0a4b-4a53-b757-345582fdeb07","metadata":{"question":"\u003Cp\u003Eಬ್ಯಾಂಕ್‌ಗಳು ಠೇವಣಿ ವಿಮೆ ಮತ್ತು ಕ್ರೆಡಿಟ್ ಗ್ಯಾರಂಟಿ ಕಾರ್ಪೊರೇಷನ್ (ಡಿಐಸಿಜಿಸಿ) ಸಂಸ್ಥೆ ಅಡಿ ನೋಂದಾಯಿತವಾಗಿವೆ. ಗ್ರಾಹಕರ ಹಣಕ್ಕೆ ಭದ್ರತೆ ನೀಡಬೇಕೆಂದು ಆರ್‌ಬಿಐನ ನಿರ್ದೇಶನವಿದೆ ಎಂದು ಕೇಳಿದ್ದೇನೆ. ಇದು ₹5 ಲಕ್ಷಕ್ಕೆ ಸೀಮಿತ ಅಂತಲೂ ತಿಳಿದಿದ್ದೇನೆ. ಆರ್ಥಿಕ ಮುಗ್ಗಟ್ಟಿನ ಸಂದರ್ಭದಲ್ಲಿ ಅಲ್ಲಿ ಇರಿಸುವ ಎಲ್ಲಾ ಠೇವಣಿ ಹಣಕ್ಕೆ ವಿಮೆಯ ರಕ್ಷಣೆ ಇರುತ್ತದೆಯೇ ಅಥವಾ ₹5 ಲಕ್ಷ ಮೊತ್ತಕ್ಕೆ ಸೀಮಿತವೇ?ಒಂದು ವೇಳೆ ಒಂದಷ್ಟು ಮೊತ್ತವನ್ನು ಸಹಕಾರ ಸಂಘಗಳು ಅಥವಾ ಬ್ಯಾಂಕ್‌ಗಳಲ್ಲಿ ಇರಿಸಿದರೆ ಈ ರಕ್ಷಣೆಯು ಅಂತಹ ಮೊತ್ತಕ್ಕೂ ಅನ್ವಯವಾಗುವುದೇ? ಇಲ್ಲವಾದರೆ  ಸಹಕಾರ ಸಂಘಗಳಲ್ಲಿ ಠೇವಣಿ ಇರಿಸಿದ ಹಣಕ್ಕೆ ಯಾವ ಖಾತರಿ ಇದೆ? ನಮ್ಮ ಠೇವಣಿ ಮೊತ್ತದ ನಿರ್ವಹಣೆ ಹೇಗಿರಬೇಕು? – ಹರೀಶ್ ಎಚ್.ಆರ್., ಎನ್.ಆರ್. ಕಾಲೊನಿ, ಬೆಂಗಳೂರು.\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eಹೂಡಿಕೆದಾರರು ಬ್ಯಾಂಕ್ ಅಥವಾ ಸಹಕಾರ ಬ್ಯಾಂಕ್‌ಗಳಲ್ಲಿ ಹಣ ಇರಿಸಿದಾಗ ಆರ್ಥಿಕ ಭದ್ರತೆಯನ್ನು ಒಂದು ಹಂತದ ಮೊತ್ತಕ್ಕೆ ನೀಡಲಾಗುತ್ತದೆ. ಇದು ಆರ್‌ಬಿಐ ನಿರ್ದೇಶನದಡಿ ವ್ಯವಹರಿಸುವ ಸಂಸ್ಥೆಗಳಿಗೆ ಅನ್ವಯವಾಗುತ್ತದೆ. ಒಂದು ವೇಳೆ ಹಣ ಇರಿಸಿದ ಸಂಸ್ಥೆಗೆ ಆರ್ಥಿಕ ಬಿಕ್ಕಟ್ಟು ಎದುರಾದಾಗ ಹೂಡಿಕೆದಾರರ ಹಣವನ್ನು ಅವರ ಅಗತ್ಯಕ್ಕೆ ತಕ್ಕಂತೆ ಮರಳಿಸಲಾಗದ ದುಃಸ್ಥಿತಿ ಉಂಟಾದರೆ ಅಂತಹ ಹೂಡಿಕೆಗಳು ಷೇರು ವ್ಯವಹಾರದಲ್ಲಾಗುವ ನಷ್ಟಕ್ಕಿಂತ ಹೆಚ್ಚು ಅಪಾಯಕಾರಿ ಆಗಿರುತ್ತವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಅಂತಹ ಆರ್ಥಿಕ ಹಿನ್ನಡೆಗೆ ಹಿಂದಿರುವ ಕಾರಣಗಳ ಬಗ್ಗೆ ಪ್ರತಿಯೊಬ್ಬ ಗ್ರಾಹಕ ಕೂಡ ಹಣ ತೊಡಗಿಸುವ ಮೊದಲೇ ಅರಿತಿರಬೇಕು. ಇದು ಒಂದು ಹಂತದ ಆರ್ಥಿಕ ಪೂರ್ವಾನ್ವೇಷಣೆಯ ಭಾಗವೂ ಹೌದು.\u003C\u002Fp\u003E\u003Cp\u003Eಸಂಸ್ಥೆಗಳಲ್ಲಿರುವ ಅಧಿಕಾರಿಗಳು ಅಧಿಕಾರ ದುರ್ಬಳಕೆ ಮಾಡಿಕೊಂಡು ಹಣ ವಂಚನೆ ಮಾಡಿದಾಗ ಗ್ರಾಹಕರ ವಿಶ್ವಾಸ ಕಳೆದುಕೊಳ್ಳುವ ಸಂಸ್ಥೆಗಳು ಆರ್ಥಿಕ ಮುಗ್ಗಟ್ಟಿಗೆ ಸಿಲುಕುತ್ತವೆ. ಇಂತಹ ಸನ್ನಿವೇಶದಲ್ಲಿ ಹೂಡಿದ ಹಣವನ್ನು ಸಕಾಲದಲ್ಲಿ ಹಿಂತಿರುಗಿಸಲಾಗದ ಅಸಹಾಯಕ ಸ್ಥಿತಿಗೆ ತಲುಪುತ್ತವೆ. ಈ ಬಗ್ಗೆ ಗ್ರಾಹಕರು ಹಣ ಇಟ್ಟು ಸುಮ್ಮನಿರುವುದು ಸಲ್ಲದು. ಹೂಡಿಕೆ ಮಾಡಿದ ಸಂಸ್ಥೆಗಳ ಬಗ್ಗೆ ತದನಂತರವೂ ನಿಗಾ ಇಡಬೇಕು.\u003C\u002Fp\u003E\u003Cp\u003Eಯಾವುದೇ ಬ್ಯಾಂಕ್ ಆರ್ಥಿಕ ಸಂಕಷ್ಟಕ್ಕೆ ಸಿಲುಕಿದಾಗ ಹಾಗೂ ಠೇವಣಿದಾರರ ಹಣ ಮರಳಿಸಲು ವಿಫಲವಾದರೆ ಠೇವಣಿ ವಿಮೆ ಮತ್ತು ಕ್ರೆಡಿಟ್ ಗ್ಯಾರಂಟಿ ಕಾರ್ಪೊರೇಷನ್ (ಡಿಐಸಿಜಿಸಿ), ಗ್ರಾಹಕರಿಗೆ ₹5 ಲಕ್ಷದವರೆಗಿನ ಠೇವಣಿ ನಷ್ಟಕ್ಕೆ ವಿಮಾ ಭದ್ರತೆ ನೀಡುತ್ತದೆ. ಹೂಡಿಕೆ ಮಾಡುವ ಮುನ್ನವೇ ಈ ಮಾಹಿತಿಯನ್ನು ಮೊದಲೇ ಅಂತಹ ಸಂಸ್ಥೆಗಳಿಂದ ಖಾತರಿಪಡಿಸಿಕೊಳ್ಳಬೇಕು.  \u003C\u002Fp\u003E\u003Cp\u003Eಭಾರತದಲ್ಲಿ ಕಾರ್ಯ ನಿರ್ವಹಿಸುವ ವಿದೇಶಿ ಬ್ಯಾಂಕ್‌ ಶಾಖೆಗಳು, ಸ್ಥಳೀಯ ಪ್ರದೇಶದ ಬ್ಯಾಂಕ್‌ಗಳು, ಪಟ್ಟಣ ಸಹಕಾರ ಬ್ಯಾಂಕ್‌ಗಳು ಮತ್ತು ಪ್ರಾದೇಶಿಕ ಗ್ರಾಮೀಣ ಬ್ಯಾಂಕ್‌ಗಳು ಸೇರಿ ಎಲ್ಲಾ ವಾಣಿಜ್ಯ ಬ್ಯಾಂಕ್‌ಗಳು ಡಿಐಸಿಜಿಸಿಗೆ ವಿಮಾ ಕಂತು ಪಾವತಿಸಿ ಆ ಸೌಲಭ್ಯ ನೀಡುತ್ತವೆ. ಡಿಐಸಿಜಿಸಿಯು ಯಾವುದೇ ಸಂಸ್ಥೆಗಳನ್ನು ವಿಮೆ ಮಾಡಿಸಿದ ಸಂಸ್ಥೆಗಳಾಗಿ ನೋಂದಾಯಿಸುವಾಗ ಅಂತಹ ಸಂಸ್ಥೆಗಳ ಠೇವಣಿದಾರರಿಗೆ ನಿಗಮವು ಒದಗಿಸುವ ವಿಮಾ ರಕ್ಷಣೆಗೆ ಸಂಬಂಧಿಸಿದ ಮಾಹಿತಿಯನ್ನು ಪ್ರಕಟಿಸುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಠೇವಣಿದಾರರು ಈ ಬಗ್ಗೆ ಸಂದೇಹವಿದ್ದರೆ ಶಾಖೆಯ ಅಧಿಕಾರಿಗಳಿಂದ ನಿರ್ದಿಷ್ಟ ವಿಚಾರಣೆ ಮೂಲಕ ಮಾಹಿತಿ ಸಂಗ್ರಹಿಸಬೇಕು. ಗ್ರಾಹಕರು ಠೇವಣಿ ಇರಿಸುವ ಮುನ್ನ ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ಪಡೆದುಕೊಳ್ಳುವುದು ಉತ್ತಮ.\u003C\u002Fp\u003E\u003Cp\u003Eಪ್ರಸ್ತುತ ನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ನಿಮ್ಮ ಹೂಡಿಕೆ ಮೊತ್ತ ಒಂದೇ ಬ್ಯಾಂಕ್‌ನ ಎಲ್ಲ ಖಾತೆಗಳು ಹಾಗೂ ಎಲ್ಲಾ ಶಾಖೆಗಳ ಮೊತ್ತ ₹5 ಲಕ್ಷಕ್ಕಿಂತ ಅಧಿಕ ಇದ್ದರೆ ಅದನ್ನು ಪ್ರತ್ಯೇಕಿಸಿ ಇತರೆ ಬ್ಯಾಂಕ್‌ಗೆ ವರ್ಗಾಯಿಸುವುದು ಉತ್ತಮ. ಇದರಿಂದ ಸಂಭಾವ್ಯ ಅಪಾಯವನ್ನು ತಪ್ಪಿಸಬಹುದು. ಆದರೆ, ಈ ವಿಮಾ ವ್ಯವಸ್ಥೆ ಬ್ಯಾಂಕ್‌ಗಳಲ್ಲದ ಸಹಕಾರ ಕ್ಷೇತ್ರದ ಸೊಸೈಟಿಗಳಿಗಿಲ್ಲ. ಸಹಕಾರ ಕ್ರೆಡಿಟ್ ಸೊಸೈಟಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲಾದ ಠೇವಣಿಗಳಿಗೆ ಇಂತಹ ವಿಮಾ ರಕ್ಷಣೆಗೆ ಇರುವುದಿಲ್ಲ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eಬ್ಯಾಂಕ್‌ಗಳು ಠೇವಣಿ ವಿಮೆ ಮತ್ತು ಕ್ರೆಡಿಟ್ ಗ್ಯಾರಂಟಿ ಕಾರ್ಪೊರೇಷನ್ (ಡಿಐಸಿಜಿಸಿ) ಸಂಸ್ಥೆ ಅಡಿ ನೋಂದಾಯಿತವಾಗಿವೆ. ಗ್ರಾಹಕರ ಹಣಕ್ಕೆ ಭದ್ರತೆ ನೀಡಬೇಕೆಂದು ಆರ್‌ಬಿಐನ ನಿರ್ದೇಶನವಿದೆ ಎಂದು ಕೇಳಿದ್ದೇನೆ. ಇದು ₹5 ಲಕ್ಷಕ್ಕೆ ಸೀಮಿತ ಅಂತಲೂ ತಿಳಿದಿದ್ದೇನೆ. ಆರ್ಥಿಕ ಮುಗ್ಗಟ್ಟಿನ ಸಂದರ್ಭದಲ್ಲಿ ಅಲ್ಲಿ ಇರಿಸುವ ಎಲ್ಲಾ ಠೇವಣಿ ಹಣಕ್ಕೆ ವಿಮೆಯ ರಕ್ಷಣೆ ಇರುತ್ತದೆಯೇ ಅಥವಾ ₹5 ಲಕ್ಷ ಮೊತ್ತಕ್ಕೆ ಸೀಮಿತವೇ?ಒಂದು ವೇಳೆ ಒಂದಷ್ಟು ಮೊತ್ತವನ್ನು ಸಹಕಾರ ಸಂಘಗಳು ಅಥವಾ ಬ್ಯಾಂಕ್‌ಗಳಲ್ಲಿ ಇರಿಸಿದರೆ ಈ ರಕ್ಷಣೆಯು ಅಂತಹ ಮೊತ್ತಕ್ಕೂ ಅನ್ವಯವಾಗುವುದೇ? ಇಲ್ಲವಾದರೆ  ಸಹಕಾರ ಸಂಘಗಳಲ್ಲಿ ಠೇವಣಿ ಇರಿಸಿದ ಹಣಕ್ಕೆ ಯಾವ ಖಾತರಿ ಇದೆ? ನಮ್ಮ ಠೇವಣಿ ಮೊತ್ತದ ನಿರ್ವಹಣೆ ಹೇಗಿರಬೇಕು? – ಹರೀಶ್ ಎಚ್.ಆರ್., ಎನ್.ಆರ್. ಕಾಲೊನಿ, ಬೆಂಗಳೂರು.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eಹೂಡಿಕೆದಾರರು ಬ್ಯಾಂಕ್ ಅಥವಾ ಸಹಕಾರ ಬ್ಯಾಂಕ್‌ಗಳಲ್ಲಿ ಹಣ ಇರಿಸಿದಾಗ ಆರ್ಥಿಕ ಭದ್ರತೆಯನ್ನು ಒಂದು ಹಂತದ ಮೊತ್ತಕ್ಕೆ ನೀಡಲಾಗುತ್ತದೆ. ಇದು ಆರ್‌ಬಿಐ ನಿರ್ದೇಶನದಡಿ ವ್ಯವಹರಿಸುವ ಸಂಸ್ಥೆಗಳಿಗೆ ಅನ್ವಯವಾಗುತ್ತದೆ. ಒಂದು ವೇಳೆ ಹಣ ಇರಿಸಿದ ಸಂಸ್ಥೆಗೆ ಆರ್ಥಿಕ ಬಿಕ್ಕಟ್ಟು ಎದುರಾದಾಗ ಹೂಡಿಕೆದಾರರ ಹಣವನ್ನು ಅವರ ಅಗತ್ಯಕ್ಕೆ ತಕ್ಕಂತೆ ಮರಳಿಸಲಾಗದ ದುಃಸ್ಥಿತಿ ಉಂಟಾದರೆ ಅಂತಹ ಹೂಡಿಕೆಗಳು ಷೇರು ವ್ಯವಹಾರದಲ್ಲಾಗುವ ನಷ್ಟಕ್ಕಿಂತ ಹೆಚ್ಚು ಅಪಾಯಕಾರಿ ಆಗಿರುತ್ತವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಅಂತಹ ಆರ್ಥಿಕ ಹಿನ್ನಡೆಗೆ ಹಿಂದಿರುವ ಕಾರಣಗಳ ಬಗ್ಗೆ ಪ್ರತಿಯೊಬ್ಬ ಗ್ರಾಹಕ ಕೂಡ ಹಣ ತೊಡಗಿಸುವ ಮೊದಲೇ ಅರಿತಿರಬೇಕು. ಇದು ಒಂದು ಹಂತದ ಆರ್ಥಿಕ ಪೂರ್ವಾನ್ವೇಷಣೆಯ ಭಾಗವೂ ಹೌದು.\u003C\u002Fp\u003E\u003Cp\u003Eಸಂಸ್ಥೆಗಳಲ್ಲಿರುವ ಅಧಿಕಾರಿಗಳು ಅಧಿಕಾರ ದುರ್ಬಳಕೆ ಮಾಡಿಕೊಂಡು ಹಣ ವಂಚನೆ ಮಾಡಿದಾಗ ಗ್ರಾಹಕರ ವಿಶ್ವಾಸ ಕಳೆದುಕೊಳ್ಳುವ ಸಂಸ್ಥೆಗಳು ಆರ್ಥಿಕ ಮುಗ್ಗಟ್ಟಿಗೆ ಸಿಲುಕುತ್ತವೆ. ಇಂತಹ ಸನ್ನಿವೇಶದಲ್ಲಿ ಹೂಡಿದ ಹಣವನ್ನು ಸಕಾಲದಲ್ಲಿ ಹಿಂತಿರುಗಿಸಲಾಗದ ಅಸಹಾಯಕ ಸ್ಥಿತಿಗೆ ತಲುಪುತ್ತವೆ. ಈ ಬಗ್ಗೆ ಗ್ರಾಹಕರು ಹಣ ಇಟ್ಟು ಸುಮ್ಮನಿರುವುದು ಸಲ್ಲದು. ಹೂಡಿಕೆ ಮಾಡಿದ ಸಂಸ್ಥೆಗಳ ಬಗ್ಗೆ ತದನಂತರವೂ ನಿಗಾ ಇಡಬೇಕು.\u003C\u002Fp\u003E\u003Cp\u003Eಯಾವುದೇ ಬ್ಯಾಂಕ್ ಆರ್ಥಿಕ ಸಂಕಷ್ಟಕ್ಕೆ ಸಿಲುಕಿದಾಗ ಹಾಗೂ ಠೇವಣಿದಾರರ ಹಣ ಮರಳಿಸಲು ವಿಫಲವಾದರೆ ಠೇವಣಿ ವಿಮೆ ಮತ್ತು ಕ್ರೆಡಿಟ್ ಗ್ಯಾರಂಟಿ ಕಾರ್ಪೊರೇಷನ್ (ಡಿಐಸಿಜಿಸಿ), ಗ್ರಾಹಕರಿಗೆ ₹5 ಲಕ್ಷದವರೆಗಿನ ಠೇವಣಿ ನಷ್ಟಕ್ಕೆ ವಿಮಾ ಭದ್ರತೆ ನೀಡುತ್ತದೆ. ಹೂಡಿಕೆ ಮಾಡುವ ಮುನ್ನವೇ ಈ ಮಾಹಿತಿಯನ್ನು ಮೊದಲೇ ಅಂತಹ ಸಂಸ್ಥೆಗಳಿಂದ ಖಾತರಿಪಡಿಸಿಕೊಳ್ಳಬೇಕು.  \u003C\u002Fp\u003E\u003Cp\u003Eಭಾರತದಲ್ಲಿ ಕಾರ್ಯ ನಿರ್ವಹಿಸುವ ವಿದೇಶಿ ಬ್ಯಾಂಕ್‌ ಶಾಖೆಗಳು, ಸ್ಥಳೀಯ ಪ್ರದೇಶದ ಬ್ಯಾಂಕ್‌ಗಳು, ಪಟ್ಟಣ ಸಹಕಾರ ಬ್ಯಾಂಕ್‌ಗಳು ಮತ್ತು ಪ್ರಾದೇಶಿಕ ಗ್ರಾಮೀಣ ಬ್ಯಾಂಕ್‌ಗಳು ಸೇರಿ ಎಲ್ಲಾ ವಾಣಿಜ್ಯ ಬ್ಯಾಂಕ್‌ಗಳು ಡಿಐಸಿಜಿಸಿಗೆ ವಿಮಾ ಕಂತು ಪಾವತಿಸಿ ಆ ಸೌಲಭ್ಯ ನೀಡುತ್ತವೆ. ಡಿಐಸಿಜಿಸಿಯು ಯಾವುದೇ ಸಂಸ್ಥೆಗಳನ್ನು ವಿಮೆ ಮಾಡಿಸಿದ ಸಂಸ್ಥೆಗಳಾಗಿ ನೋಂದಾಯಿಸುವಾಗ ಅಂತಹ ಸಂಸ್ಥೆಗಳ ಠೇವಣಿದಾರರಿಗೆ ನಿಗಮವು ಒದಗಿಸುವ ವಿಮಾ ರಕ್ಷಣೆಗೆ ಸಂಬಂಧಿಸಿದ ಮಾಹಿತಿಯನ್ನು ಪ್ರಕಟಿಸುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಠೇವಣಿದಾರರು ಈ ಬಗ್ಗೆ ಸಂದೇಹವಿದ್ದರೆ ಶಾಖೆಯ ಅಧಿಕಾರಿಗಳಿಂದ ನಿರ್ದಿಷ್ಟ ವಿಚಾರಣೆ ಮೂಲಕ ಮಾಹಿತಿ ಸಂಗ್ರಹಿಸಬೇಕು. ಗ್ರಾಹಕರು ಠೇವಣಿ ಇರಿಸುವ ಮುನ್ನ ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ಪಡೆದುಕೊಳ್ಳುವುದು ಉತ್ತಮ.\u003C\u002Fp\u003E\u003Cp\u003Eಪ್ರಸ್ತುತ ನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ನಿಮ್ಮ ಹೂಡಿಕೆ ಮೊತ್ತ ಒಂದೇ ಬ್ಯಾಂಕ್‌ನ ಎಲ್ಲ ಖಾತೆಗಳು ಹಾಗೂ ಎಲ್ಲಾ ಶಾಖೆಗಳ ಮೊತ್ತ ₹5 ಲಕ್ಷಕ್ಕಿಂತ ಅಧಿಕ ಇದ್ದರೆ ಅದನ್ನು ಪ್ರತ್ಯೇಕಿಸಿ ಇತರೆ ಬ್ಯಾಂಕ್‌ಗೆ ವರ್ಗಾಯಿಸುವುದು ಉತ್ತಮ. ಇದರಿಂದ ಸಂಭಾವ್ಯ ಅಪಾಯವನ್ನು ತಪ್ಪಿಸಬಹುದು. ಆದರೆ, ಈ ವಿಮಾ ವ್ಯವಸ್ಥೆ ಬ್ಯಾಂಕ್‌ಗಳಲ್ಲದ ಸಹಕಾರ ಕ್ಷೇತ್ರದ ಸೊಸೈಟಿಗಳಿಗಿಲ್ಲ. ಸಹಕಾರ ಕ್ರೆಡಿಟ್ ಸೊಸೈಟಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲಾದ ಠೇವಣಿಗಳಿಗೆ ಇಂತಹ ವಿಮಾ ರಕ್ಷಣೆಗೆ ಇರುವುದಿಲ್ಲ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F5768031a-b2d0-4351-b159-6aa59879e6c2\u002Felement\u002Fd62020b2-626d-48ec-9a52-cae9cc680804","type":"text","family-id":"fc97b138-dc0f-4be2-9b57-7dc85bd13806","title":"","id":"d62020b2-626d-48ec-9a52-cae9cc680804","metadata":{"question":"\u003Cp\u003Eನಾನು ಕಳೆದ ವರ್ಷದ ಡಿಸೆಂಬರ್‌ನಿಂದ ₹10 ಸಾವಿರ ಮೊತ್ತವನ್ನು ಪ್ರತಿ ತಿಂಗಳು ಬಂಗಾರ ಖರೀದಿ ಯೋಜನೆಯಲ್ಲಿ ಮತ್ತು ಪ್ರತಿ ತಿಂಗಳು ಐದು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ₹2 ಸಾವಿರದಂತೆ (ಪ್ರತಿ ಫಂಡ್‌ನಲ್ಲಿ) ಮೂರು ವರ್ಷದ ಅವಧಿಗೆ ಫೋನ್ ಪೇ ಮೂಲಕ ಪಾವತಿಸುತ್ತಿದ್ದೇನೆ. ಈ ವಿಧಾನ ಸರಿಯಾದುದೇ ಅಥವಾ ಬದಲಾಯಿಸಬೇಕೇ? ತೊಡಗಿಸಿದ ಹಣಕ್ಕೆ ಭದ್ರತೆ ಇದೆಯೇ? ಅವಧಿ ಮುಗಿದ ನಂತರ ಹಣ ಮರಳಿ ಪಡೆಯುವಾಗ ಏನಾದರೂ ತೊಂದರೆ ಆಗುತ್ತದೆಯೇ? – ಬಸಪ್ಪ ಪಟ್ಟಣಶೆಟ್ರ, ಊರು ತಿಳಿಸಿಲ್ಲ. \u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನೀವು ತಿಳಿಸಿರುವಂತೆ ಆನ್‌ಲೈನ್‌ ಮೂಲಕ ಹೂಡಿಕೆಗೆ ನೋಂದಾಯಿಸಿದ್ದೀರಿ. ಇಂದಿನ ತಂತ್ರಜ್ಞಾನ ಯುಗದಲ್ಲಿ ಮೊಬೈಲ್ ಹಾಗೂ ಕಂಪ್ಯೂಟರ್‌ಗಳು ಜನರ ದೈನಂದಿನ ಬದುಕಿನ ಮಹತ್ವದ ಭಾಗವಾಗಿವೆ. ಇದರಿಂದ ಅವುಗಳ ಗುಣಾವಗುಣಗಳು ಎಲ್ಲರಿಗೂ ಗೊತ್ತಿರುವ ವಿಚಾರ. ಇಂದು ವಿವಿಧ ಆ್ಯಪ್‌ ಬಳಸಿ ಆರ್ಥಿಕ ವ್ಯವಹಾರ ನಡೆಯುತ್ತಿವೆ. ಇದರಿಂದ ಇಂತಹ ಮಾಧ್ಯಮಗಳನ್ನು ದೂರವಿಡುವ ವಿಚಾರವೇ ಅಪ್ರಸ್ತುತ.  \u003C\u002Fp\u003E\u003Cp\u003Eಇಂತಹ ಸಂದರ್ಭದಲ್ಲಿ ಯಾವುದೇ ಹೂಡಿಕೆ ಮಾಡುವ ಮುನ್ನ ನೀವು ಆಯಾ ಆ್ಯಪ್‌ಗಳಲ್ಲಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ವಿತರಕರು ನೋಂದಾಯಿತ ಸಂಖ್ಯೆಯನ್ನು ಹೊಂದಿ ವ್ಯವಹರಿಸುತ್ತಿದ್ದಾರೆಯೇ ಎಂಬುದನ್ನು ಮೊದಲು ಖಾತರಿಪಡಿಸಿಕೊಳ್ಳಿ. ನೋಂದಣಿ ಇಲ್ಲದ ವಿತರಕರೊಡನೆ ವ್ಯವಹರಿಸಬೇಡಿ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಉಲ್ಲೇಖಿಸಿರುವ ಸಂಸ್ಥೆ ನೋಂದಾಯಿತ ಸಂಸ್ಥೆಯಾಗಿದೆ. ಅಲ್ಲದೆ, ಭಾರತೀಯ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಅಸೋಸಿಯೇಷನ್ ಜಾಲತಾಣದಲ್ಲಿ (https:\u002F\u002Fwww.amfiindia.com\u002F investor-corner) ವಿತರಕರ   ನೋಂದಾಯಿತ ಸಂಖ್ಯೆಯನ್ನು ಹಾಕಿ ಅವರ ಪೂರ್ಣ ಮಾಹಿತಿಯನ್ನು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಬಹುದು. ಅಲ್ಲದೆ ನೋಂದಣಿ ರದ್ದು ಮಾಡಲಾದ ಹೆಸರುಗಳನ್ನೂ ಇದರಲ್ಲಿ ಮಾಹಿತಿಗಾಗಿ ಹಾಕಲಾಗುತ್ತದೆ.  ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ಹಕ್ಕು, ಜವಾಬ್ದಾರಿ ಅರಿತು ವ್ಯವಹರಿಸಬೇಬೇಕಿದೆ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಕಳೆದ ವರ್ಷದ ಡಿಸೆಂಬರ್‌ನಿಂದ ₹10 ಸಾವಿರ ಮೊತ್ತವನ್ನು ಪ್ರತಿ ತಿಂಗಳು ಬಂಗಾರ ಖರೀದಿ ಯೋಜನೆಯಲ್ಲಿ ಮತ್ತು ಪ್ರತಿ ತಿಂಗಳು ಐದು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ₹2 ಸಾವಿರದಂತೆ (ಪ್ರತಿ ಫಂಡ್‌ನಲ್ಲಿ) ಮೂರು ವರ್ಷದ ಅವಧಿಗೆ ಫೋನ್ ಪೇ ಮೂಲಕ ಪಾವತಿಸುತ್ತಿದ್ದೇನೆ. ಈ ವಿಧಾನ ಸರಿಯಾದುದೇ ಅಥವಾ ಬದಲಾಯಿಸಬೇಕೇ? ತೊಡಗಿಸಿದ ಹಣಕ್ಕೆ ಭದ್ರತೆ ಇದೆಯೇ? ಅವಧಿ ಮುಗಿದ ನಂತರ ಹಣ ಮರಳಿ ಪಡೆಯುವಾಗ ಏನಾದರೂ ತೊಂದರೆ ಆಗುತ್ತದೆಯೇ? – ಬಸಪ್ಪ ಪಟ್ಟಣಶೆಟ್ರ, ಊರು ತಿಳಿಸಿಲ್ಲ. \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನೀವು ತಿಳಿಸಿರುವಂತೆ ಆನ್‌ಲೈನ್‌ ಮೂಲಕ ಹೂಡಿಕೆಗೆ ನೋಂದಾಯಿಸಿದ್ದೀರಿ. ಇಂದಿನ ತಂತ್ರಜ್ಞಾನ ಯುಗದಲ್ಲಿ ಮೊಬೈಲ್ ಹಾಗೂ ಕಂಪ್ಯೂಟರ್‌ಗಳು ಜನರ ದೈನಂದಿನ ಬದುಕಿನ ಮಹತ್ವದ ಭಾಗವಾಗಿವೆ. ಇದರಿಂದ ಅವುಗಳ ಗುಣಾವಗುಣಗಳು ಎಲ್ಲರಿಗೂ ಗೊತ್ತಿರುವ ವಿಚಾರ. ಇಂದು ವಿವಿಧ ಆ್ಯಪ್‌ ಬಳಸಿ ಆರ್ಥಿಕ ವ್ಯವಹಾರ ನಡೆಯುತ್ತಿವೆ. ಇದರಿಂದ ಇಂತಹ ಮಾಧ್ಯಮಗಳನ್ನು ದೂರವಿಡುವ ವಿಚಾರವೇ ಅಪ್ರಸ್ತುತ.  \u003C\u002Fp\u003E\u003Cp\u003Eಇಂತಹ ಸಂದರ್ಭದಲ್ಲಿ ಯಾವುದೇ ಹೂಡಿಕೆ ಮಾಡುವ ಮುನ್ನ ನೀವು ಆಯಾ ಆ್ಯಪ್‌ಗಳಲ್ಲಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ವಿತರಕರು ನೋಂದಾಯಿತ ಸಂಖ್ಯೆಯನ್ನು ಹೊಂದಿ ವ್ಯವಹರಿಸುತ್ತಿದ್ದಾರೆಯೇ ಎಂಬುದನ್ನು ಮೊದಲು ಖಾತರಿಪಡಿಸಿಕೊಳ್ಳಿ. ನೋಂದಣಿ ಇಲ್ಲದ ವಿತರಕರೊಡನೆ ವ್ಯವಹರಿಸಬೇಡಿ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಉಲ್ಲೇಖಿಸಿರುವ ಸಂಸ್ಥೆ ನೋಂದಾಯಿತ ಸಂಸ್ಥೆಯಾಗಿದೆ. ಅಲ್ಲದೆ, ಭಾರತೀಯ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಅಸೋಸಿಯೇಷನ್ ಜಾಲತಾಣದಲ್ಲಿ (https:\u002F\u002Fwww.amfiindia.com\u002F investor-corner) ವಿತರಕರ   ನೋಂದಾಯಿತ ಸಂಖ್ಯೆಯನ್ನು ಹಾಕಿ ಅವರ ಪೂರ್ಣ ಮಾಹಿತಿಯನ್ನು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಬಹುದು. ಅಲ್ಲದೆ ನೋಂದಣಿ ರದ್ದು ಮಾಡಲಾದ ಹೆಸರುಗಳನ್ನೂ ಇದರಲ್ಲಿ ಮಾಹಿತಿಗಾಗಿ ಹಾಕಲಾಗುತ್ತದೆ.  ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ಹಕ್ಕು, ಜವಾಬ್ದಾರಿ ಅರಿತು ವ್ಯವಹರಿಸಬೇಬೇಕಿದೆ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1738786067071,"content-version-id":"85247c19-8aee-49fb-9d3a-13225a93efc3","card-added-at":1738666817444,"status":"draft","id":"f3ddbfcf-fb1e-4971-b116-6ed2135c452e","content-id":"f3ddbfcf-fb1e-4971-b116-6ed2135c452e","version":11,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ಠೇವಣಿ ಮೊತ್ತದ ನಿರ್ವಹಣೆ ಹೇಗಿರಬೇಕು?","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-10-01\u002Fndy7no3f\u002Fdownload.jpg","url":null,"attribution":null,"alt-text":null,"caption":null,"metadata":{"mime-type":"image\u002Fjpeg","focus-point":[149,44],"width":300,"file-size":7010,"file-name":"download.jpg","height":168}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fhow-should-deposit-amount-be-managed-3153716","story-version-id":"c9f0b2a3-1228-40f0-845c-5e4a0c9b6ee7","content-type":"story","content-updated-at":1738798499914,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1738798500000,"hero-image-caption":null,"version":11,"story-template":"syndicated","sequence-no":null,"created-at":1738786067065,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ ಸುದ್ದಿ"]},"imported-card-id":"f3ddbfcf-fb1e-4971-b116-6ed2135c452e","card-share":{"shareable":false}},"publish-at":1738798500000,"assignee-name":"syndication"}},{"id":"87704350-b669-4357-8991-89edb4a17ac2","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ"]},"story":{"updated-at":1738196565296,"seo":{"meta-description":"ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ","meta-keywords":["Financial 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(ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1738062611050,"is-embargoed":false,"owner-name":"syndication","custom-slug":"Expert answer to financial investment tax related qustions\n","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"mime-type":"image\u002Fjpeg","focus-point":[149,44],"width":300,"file-size":7010,"file-name":"download.jpg","height":168},"comments":null,"word-count":461,"story-features":null,"entities":{},"published-at":1738196566710,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7z4ayop944j2mcdj5uv","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"87704350-b669-4357-8991-89edb4a17ac2","hero-image-s3-key":"prajavani\u002F2024-10-01\u002Fndy7no3f\u002Fdownload.jpg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F87704350-b669-4357-8991-89edb4a17ac2\u002Felement\u002F9b0db792-85d0-49ed-9665-b7b1a446785e","type":"text","family-id":"fc12bf0b-d443-4a04-a5f4-e9fdb571730d","title":"","id":"9b0db792-85d0-49ed-9665-b7b1a446785e","metadata":{},"subtype":"question","text":"\u003Cp\u003Eನಾನು ನ್ಯಾಯಾಲಯ ಆದೇಶದ ಮೇರೆಗೆ ಪಡೆದಿದ್ದ  ಪಿತ್ರಾರ್ಜಿತ ಕೃಷಿ ಭೂಮಿಯನ್ನು ಮಾರಾಟ ಮಾಡಲು ಚಿಂತಿಸಿದ್ದೇನೆ. ಇದರ ವಿಸ್ತೀರ್ಣ ಸುಮಾರು 8 ಗುಂಟೆ ಇದೆ. ಇದಕ್ಕೆ ತೆರಿಗೆ ಇಲ್ಲ ಎಂದು ತಿಳಿದುಕೊಂಡಿದ್ದೇನೆ. ನನ್ನ ಈ ಮಾಹಿತಿ ಸರಿಯೇ ಎಂಬ ಬಗ್ಗೆ ತಿಳಿಸಿ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F87704350-b669-4357-8991-89edb4a17ac2\u002Felement\u002Fd64bc2a0-2112-4e46-b742-775b0ae0b63c","type":"text","family-id":"a963a099-116b-43cd-b0d8-4726e3d96e46","title":"","id":"d64bc2a0-2112-4e46-b742-775b0ae0b63c","metadata":{"interviewee":{"slug":"prmood-shriikaant-daitoott","last-name":null,"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","avatar-url":"https:\u002F\u002Fimages.assettype.com\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","first-name":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","is-author":true,"twitter-handle":null}},"subtype":"answer","text":"\u003Cp\u003Eನೀವು ತಿಳಿಸಿರುವ ಮಾಹಿತಿಯು ಪ್ರಸ್ತುತ ಇರುವ ಆದಾಯ ತೆರಿಗೆ ಕಾನೂನಿನ ಅನ್ವಯ ಸರಿಯಾದುದು. ಬಂಡವಾಳ ಆಸ್ತಿಯ ಪರಿಧಿಯಲ್ಲಿ ಬರುವ ಆಸ್ತಿಗಳು ಮಾತ್ರ ತೆರಿಗೆಗೊಳಪಡುತ್ತವೆ. ಆದರೆ, ಗ್ರಾಮೀಣ ಕೃಷಿ ಭೂಮಿಯನ್ನು ಬಂಡವಾಳ ಆಸ್ತಿ ವ್ಯಾಪ್ತಿಯಿಂದ ಹೊರಗಿಡಲಾಗಿದೆ. ಹೀಗಾಗಿ, ಅಂತಹ ಆಸ್ತಿಗಳಿಗೆ ಮಾರಾಟದ ಸಂದರ್ಭದಲ್ಲಿ ಆದಾಯ ತೆರಿಗೆ ಇರುವುದಿಲ್ಲ.\u003C\u002Fp\u003E\u003Cp\u003Eಅಂತಹ ಕೃಷಿ ಭೂಮಿಯು ನಿಮ್ಮ ಸಮೀಪದ ಮುನಿಸಿಪಾಲಿಟಿ ವ್ಯಾಪ್ತಿಯಿಂದ ಹೊರಗಿರಬೇಕು. ಇದು ಅಲ್ಲಿನ ಜನಸಂಖ್ಯೆಗೆ ಅನುಗುಣವಾಗಿ 10,000‌ದಿಂದ 1 ಲಕ್ಷ, 1 ಲಕ್ಷದಿಂದ 10 ಲಕ್ಷ ಹಾಗೂ 10 ಲಕ್ಷ ಮೀರಿದ ಸ್ಥಳವಾಗಿದ್ದರೆ ಕ್ರಮವಾಗಿ 2, 6, 8 ಕಿ.ಮೀ ವ್ಯಾಪ್ತಿಯಿಂದ ಹೊರಗಿರಬೇಕು. ಈ ಬಗ್ಗೆ ನಿಮ್ಮ ಕೃಷಿ ಭೂಮಿ ಇರುವ ಸ್ಥಳಕ್ಕೆ ಹೊಂದಿಕೊಂಡು ನಿರ್ಣಯಿಸಿಕೊಳ್ಳಿ. ಅಕಸ್ಮಾತ್ ಪಟ್ಟಣದ ವ್ಯಾಪ್ತಿಯಲ್ಲಿ ಈ ಭೂಮಿ ಬರುವುದಿದ್ದರೆ ತೆರಿಗೆ ಇರುತ್ತದೆ ಅಥವಾ ನಿಗದಿತ ಹೂಡಿಕೆಗಳಲ್ಲಿ ನಿಮ್ಮ ಮಾರಾಟದ ಮೊತ್ತ ಹೂಡಿಕೆ ಮಾಡಿ ತೆರಿಗೆ ತಗ್ಗಿಸುವ ಅವಕಾಶವೂ ಇರುತ್ತದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F87704350-b669-4357-8991-89edb4a17ac2\u002Felement\u002F4d9b8cf0-ca4c-42b9-b97f-cdc9eae79019","type":"text","family-id":"3e79078c-eaa2-426c-b635-0d5ece6bd386","title":"","id":"4d9b8cf0-ca4c-42b9-b97f-cdc9eae79019","metadata":{},"subtype":"question","text":"\u003Cp\u003Eನನ್ನ ತಂದೆಯವರು ಇತ್ತೀಚೆಗೆ ಮೃತರಾದರು. ಅವರು ಸರ್ಕಾರಿ ಉದ್ಯೋಗಿಯಾಗಿದ್ದರು. ನಿವೃತ್ತಿ ನಂತರ ಅವರಿಗೆ ಪಿಂಚಣಿ ಬರುತ್ತಿತ್ತು. ಅನೇಕ ಕಂಪನಿಗಳ ಷೇರುಗಳಲ್ಲಿ ಅಲ್ಪಸ್ವಲ್ಪ ಹೂಡಿಕೆ ಇದೆ. ಇದು ಪ್ರಸ್ತುತ ಬೆಲೆಯಲ್ಲಿ ಸುಮಾರು ₹5 ಲಕ್ಷ ಮೌಲ್ಯ ಆಗಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eಅದೇ ರೀತಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲೂ ಹೂಡಿಕೆ ಇದೆ. ಅವರ ಹೆಸರಲ್ಲಿ ಒಂದು ಬಾಡಿಗೆ ಗಳಿಸುತ್ತಿರುವ ಮನೆಯೂ ಇದೆ. ಕಂಪನಿಯ ಹೂಡಿಕೆಯಿಂದ ಡಿವಿಡೆಂಡ್ ಅವರ ಬ್ಯಾಂಕ್ ಖಾತೆಗೆ ನೇರ ಜಮಾ ಆಗುತ್ತಿದೆ. ಆದರೆ, ಅದನ್ನು ನಾವು ತೆಗೆಯಲು ಸಾಧ್ಯ ಆಗುತ್ತಿಲ್ಲ. ಅದೇ ರೀತಿ ಅವರ ಡಿಮ್ಯಾಟ್ ಖಾತೆಯ ಲಾಭದಲ್ಲಿರುವ ಷೇರುಗಳನ್ನು ಆನ್‌ಲೈನ್ ಖಾತೆ ಮೂಲಕ ಮಾರಾಟ ಮಾಡುವ ಬಗ್ಗೆ ಯೋಚಿಸಿದ್ದೇವೆ. ಆದರೆ, ಪುನಃ ಅದೇ ಬ್ಯಾಂಕ್ ಖಾತೆಗೆ ಹಣ ಜಮಾ ಆಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಮ್ಮ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ ಈ ಮಾರಾಟದ ಮೇಲೆ ತೆರಿಗೆ, ಬ್ಯಾಂಕ್ ಬಡ್ಡಿ, ಬಾಡಿಗೆ ಆದಾಯ, ಡಿವಿಡೆಂಡ್ ಆದಾಯ ಹಾಗೂ ಅವರ ಪಿಂಚಣಿ ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ಹೇಗೆ ಅನ್ವಯ ಆಗುತ್ತದೆ. ನಾನು ಅಥವಾ ನನ್ನ ತಾಯಿಯವರು ತೆರಿಗೆ ಕಟ್ಟಬೇಕೆ? ಇದೇ ಆರ್ಥಿಕ ವರ್ಷದಲ್ಲಿ ನನ್ನ ತಂದೆಯವರು ಮೃತರಾದ ಕಾರಣ ಅವರ ಪ್ಯಾನ್ ಬಳಸಿ ಅವರ ಹೆಸರಲ್ಲೇ ರಿಟರ್ನ್ಸ್‌ ಸಲ್ಲಿಕೆ ಹಾಗೂ ತೆರಿಗೆ ಪಾವತಿಸಬೇಕೇ. ಅವರ ಮರಣ ಪತ್ರ ದಾಖಲೆ ಇದೆ. ಮುಂದೆ ನಾವು ಯಾವ ರೀತಿ ಮುಂದುವರಿಯಬೇಕು?\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F87704350-b669-4357-8991-89edb4a17ac2\u002Felement\u002F56baceb5-8b0f-4fb9-a1fd-84072eb80a44","type":"text","family-id":"690f4db2-5fdf-4db5-bf61-faca12e70263","title":"","id":"56baceb5-8b0f-4fb9-a1fd-84072eb80a44","metadata":{"interviewee":{"slug":"prmood-shriikaant-daitoott","last-name":null,"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","avatar-url":"https:\u002F\u002Fimages.assettype.com\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","first-name":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","is-author":true,"twitter-handle":null}},"subtype":"answer","text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ\u003C\u002Fstrong\u003E: ನಿಮ್ಮ ತಂದೆ ನಿವೃತ್ತಿ ಹೊಂದಿರುವ ಕಾರಣ ಅವರು ಬದುಕಿರುವ ತನಕ ಪಡೆಯುತ್ತಿದ್ದ ಪಿಂಚಣಿಯು ಅವರ ಹೆಸರಲ್ಲೇ ತೆರಿಗೆಗೊಳಪಡುತ್ತದೆ. ಆದರೆ, ಅದೇ ಪಿಂಚಣಿಯನ್ನು ನಿಮ್ಮ ತಾಯಿ ಮುಂದೆ ಗಳಿಸುತ್ತಿದ್ದರೆ, ಅವರಿಗೆ ಅದು ಕೌಟುಂಬಿಕ ಪಿಂಚಣಿ ಆಗಿ ತಾಯಿಯ ಆದಾಯದಲ್ಲಿ ತೆರಿಗೆಗೆ ವರ್ಗವಾಗುತ್ತದೆ. ಇದು ಮುಂದೆ ಇತರೆ ಆದಾಯವಾಗಿ ತೆರಿಗೆಗೊಳಪಡುತ್ತದೆ. ಬದುಕಿದ್ದಾಗ ಸಿಕ್ಕಿದ ಪಿಂಚಣಿ ಅವರ ಉತ್ತರಾಧಿಕಾರಿಗಳಾಗಿ ನಿಮ್ಮ ಮೂಲಕ ಅಥವಾ ತಾಯಿ ಮೂಲಕ ಸಲ್ಲಿಸಬೇಕಾಗುತ್ತದೆ. ಇದೇ ನಿಯಮ ಇತರೆ ಆದಾಯಕ್ಕೂ ಅನ್ವಯಿಸುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಆದಾಯ ತೆರಿಗೆಯ ಸೆಕ್ಷನ್ 159ರ ಪ್ರಕಾರ ಮೃತರ ಉತ್ತರಾಧಿಕಾರಿಗಳು ಮರಣದ ತನಕ ಗಳಿಸಿದ ಆದಾಯಕ್ಕೆ ಮೃತರ ಪರವಾಗಿ ಬಾಧ್ಯಸ್ಥರು. ಆದರೆ, ತದನಂತರ ಬರುವ ಆದಾಯಕ್ಕೆ ಆಸ್ತಿ ಯಾರ ಹೆಸರಲ್ಲಿ ವರ್ಗಾವಣೆ ಆಗಿದೆಯೋ ಅವರೇ ಅದಕ್ಕೆ ಜವಾಬ್ದಾರರಾಗಿರುತ್ತಾರೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಯಾವುದೇ ಷೇರು, ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಾಗಿದ್ದರೆ ನಿಮ್ಮ ಹೆಸರಿಗೆ ವರ್ಗವಾದ ನಂತರ ಬಂದ ಆದಾಯಕ್ಕೆ ನೀವೇ ತೆರಿಗೆ ಕಟ್ಟಬೇಕು ಹಾಗೂ ಕ್ಯಾಪಿಟಲ್ ಗೈನ್‌ಗೆ ನೀವೇ ಬಾಧ್ಯಸ್ಥರು. ಆದರೆ, ಅವರು ಖರೀದಿಸಿದಾಗ ಪಾವತಿಸಿದ ಮೌಲ್ಯ, ನಿಮ್ಮ ಅಸಲು ಮೊತ್ತವೆಂದು ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ. ಅದೇ ಅವಧಿಯನ್ನು ದೀರ್ಘಾವಧಿ, ಅಲ್ಪಾವಧಿ ಹೂಡಿಕೆಯ ನಿರ್ಣಯಕ್ಕೆ ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ. ಅದೇ ರೀತಿ ಮನೆಯ ಬಾಡಿಗೆ ಆದಾಯವೂ ಮರಣದ ನಂತರ ಯಾರ ಹೆಸರಿಗೆ ವರ್ಗವಾಗುತ್ತದೋ ಅವರೇ ತೆರಿಗೆ ಕಟ್ಟಬೇಕು. ಡಿವಿಡೆಂಡ್ ಹಾಗೂ ಬ್ಯಾಂಕ್ ಬಡ್ಡಿಗೂ ಇದೇ ನಿಯಮ ಅನ್ವಯಿಸುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನು ಕಾನೂನು ಪ್ರಕಾರ ನಿಮ್ಮ ತಂದೆಯವರ ಹೆಸರಲ್ಲಿರುವ ಷೇರು, ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಹಾಗೂ ಬ್ಯಾಂಕ್ ಖಾತೆಯಲ್ಲಿರುವ ಶಿಲ್ಕು ನಿಮ್ಮ ಹೆಸರಿಗೆ ವರ್ಗಾವಣೆ ಮಾಡಿಸಿಕೊಳ್ಳಲು ನಿಮ್ಮಲ್ಲಿ ಈಗಾಗಲೇ ಇರುವ ದಾಖಲೆಗಳನ್ನು ಸಂಬಂಧಿತ ಸಂಸ್ಥೆಗೆ ಸಲ್ಲಿಸಿ ಸಮರ್ಪಕಗೊಳಿಸಬೇಕು. ನಿಮ್ಮ ಹೆಸರು ಈಗಾಗಲೇ ನಾಮಿನಿ ವರ್ಗದಲ್ಲಿ ದಾಖಲಾಗಿದ್ದರೆ ಹೆಚ್ಚೇನೂ ಸಮಸ್ಯೆ ಇರಲಾರದು.\u003C\u002Fp\u003E\u003Cp\u003Eವಾರ್ಷಿಕ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವಾಗ ಮರಣದ ತನಕ ಇರುವ ಆದಾಯವನ್ನು ಪ್ರತ್ಯೇಕವಾಗಿ ಲೀಗಲ್ ಹೈಯರ್ಸ್ ವರ್ಗದಲ್ಲಿ ನಿಮ್ಮ ಇಬ್ಬರಲ್ಲಿ ಒಬ್ಬರು ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಬೇಕು. ಇದಕ್ಕೆ ಅಗತ್ಯ ಇರುವ ಪೂರ್ವ ತಯಾರಿಯಾಗಿ ನಿಮ್ಮ ಪ್ಯಾನ್ ಲಾಗಿನ್ ಮೂಲಕ ಮೃತರ ಪ್ರತಿನಿಧಿ ಎಂಬ ಹಿನ್ನೆಲೆಯಲ್ಲಿ ದಾಖಲಿಸಬೇಕು. ನಂತರದ ಆದಾಯ ನಿಮ್ಮ ರಿಟರ್ನ್ಸ್‌ಗಳಲ್ಲಿ ಮುಂದೆ ಸಹಜವಾಗಿ ಘೋಷಿಸಬೇಕಾಗುತ್ತದೆ. ಈ ವರ್ಷದ ಒಟ್ಟು ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಕೆ ಪ್ರಕ್ರಿಯೆಯನ್ನು ಸ್ವತಃ ನೀವೇ ನಿಭಾಯಿಸಲು ಹೋಗದೆ ಅನುಭವಿ ತೆರಿಗೆ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸಿ.\u003C\u002Fp\u003E "},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1738196564126,"content-version-id":"9b25d977-2485-4fae-aa4d-2df5c376dc38","card-added-at":1738062611297,"status":"draft","id":"7e2e7a8d-0af9-460f-a7b3-8bb8ea566909","content-id":"7e2e7a8d-0af9-460f-a7b3-8bb8ea566909","version":16,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-10-01\u002Fndy7no3f\u002Fdownload.jpg","url":null,"attribution":null,"alt-text":null,"caption":null,"metadata":{"mime-type":"image\u002Fjpeg","focus-point":[149,44],"width":300,"file-size":7010,"file-name":"download.jpg","height":168}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fexpert-answer-to-financial-investment-tax-related-qustions-3143398","story-version-id":"bbfac043-2b3e-4714-aabf-0e209e94a0a3","content-type":"story","content-updated-at":1738196566845,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1738196566710,"hero-image-caption":null,"version":16,"story-template":"syndicated","sequence-no":null,"created-at":1738196564119,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ ಸುದ್ದಿ"]},"imported-card-id":"7e2e7a8d-0af9-460f-a7b3-8bb8ea566909","card-share":{"shareable":false}},"publish-at":null,"assignee-name":"syndication"}},{"id":"6be00207-715c-45b0-a397-4ea93cad9f01","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ ಅಂಕಣ: ಯಾವ ರೀತಿಯ ಕಾರು ಖರೀದಿಸಿದರೆ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಸಿಗುತ್ತದೆ?"]},"story":{"updated-at":1737512799060,"seo":{"meta-keywords":["Personal Finance","Car","Tax","Tax Exemptions"],"meta-description":"ನಾನು ಹೊಸ ಕಾರು ಖರೀದಿಸ ಬೇಕೆಂದಿದ್ದೇನೆ. ಕೆಲವು ವರ್ಷದ ಹಿಂದೆ ಸರ್ಕಾರ ಬಜೆಟ್‌ನಲ್ಲಿ ಕಾರು ಖರೀದಿಗೆ ಸಂಬಂಧಿಸಿ ಕೆಲವು ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಇದೆ ಎಂದು ಪ್ರಕಟಿದ್ದ ನೆನಪು. ಇದಕ್ಕೆ ಯಾವ ರೀತಿಯ ಕಾರು ಖರೀದಿಸಿದರೆ ಈ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಸಿಗುತ್ತದೆ.","claim-reviews":{"story":null}},"assignee-id":1960520,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5510997,"name":"Tax","meta-description":null,"meta-title":null,"slug":"tax","tag-type":"Tag"},{"id":5512042,"name":"Car","meta-description":null,"meta-title":null,"slug":"car","tag-type":"Tag"},{"id":5513849,"name":"Personal Finance","meta-description":null,"meta-title":null,"slug":"personal-finance","tag-type":"Tag"},{"id":5521186,"name":"Tax Exemptions","meta-description":null,"meta-title":null,"slug":"tax-exemptions","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ ಅಂಕಣ: ಯಾವ ರೀತಿಯ ಕಾರು ಖರೀದಿಸಿದರೆ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಸಿಗುತ್ತದೆ?","storyline-id":null,"votes":{},"story-content-id":"6be00207-715c-45b0-a397-4ea93cad9f01","slug":"business\u002Fprashnottara\u002Fpersonal-finance-what-kind-of-car-do-you-get-tax-rebate-on-purchasing-3135214","last-published-at":1737512800325,"public-identifier":"3135214","subheadline":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ ಅವರ ಪ್ರಶ್ನೋತ್ತರ ಅಂಕಣ","alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1737512472287,"is-embargoed":false,"owner-name":"Manjunath C Bhadrashetti","custom-slug":"Personal Finance: What kind of car do you get tax rebate on purchasing?","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"width":500,"height":281,"focus-point":[338,83]},"comments":null,"word-count":516,"story-features":{"push-notification":{"is-scheduled":false,"publish-at":null,"linked-with-story-fields-status":{"title":null,"message":null}}},"entities":{},"published-at":1737512800325,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":null,"push-notification-title":null,"external-id":null,"canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"6be00207-715c-45b0-a397-4ea93cad9f01","hero-image-s3-key":"prajavani\u002F2025-01-22\u002Fy72i3cpa\u002Fkbec12audi_q5.jpg","contributors":null,"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F6be00207-715c-45b0-a397-4ea93cad9f01\u002Felement\u002Fed21c06d-1086-4860-94a2-c0085a0c2f28","type":"text","family-id":"a7ac6c9b-4bd1-4460-ab6c-744609ccbe79","title":"","id":"ed21c06d-1086-4860-94a2-c0085a0c2f28","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Elಪ್ರಶ್ನೆ: ನಾನು ಸರ್ಕಾರಿ ಉದ್ಯೋಗಿಯಾಗಿದ್ದು, ಷೇರು ಹಾಗೂ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದೇ? ನಿಯಮಗಳ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003E-ಚಂದನ್\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F6be00207-715c-45b0-a397-4ea93cad9f01\u002Felement\u002F73227353-48e4-468a-9f4c-94d1dedcc521","type":"text","family-id":"a9787cc7-7544-4193-add7-0dcd06243bdd","title":"","id":"73227353-48e4-468a-9f4c-94d1dedcc521","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ:\u003C\u002Fstrong\u003E ಸರ್ಕಾರಿ ಉದ್ಯೋಗದಲ್ಲಿರುವ ವ್ಯಕ್ತಿಗಳು ಷೇರುಪೇಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಕೆಲವು ನಿರ್ಬಂಧಗಳಿವೆ. ಈ ನಿರ್ಬಂಧ ಸರ್ಕಾರಿ ಉದ್ಯೋಗಿಯ ಪತಿ, ಪತ್ನಿ, ಮಕ್ಕಳಿಗೂ ಇದೆ ಎನ್ನುವುದು ಗಮನಾರ್ಹ ವಿಚಾರ. ಕರ್ನಾಟಕ ನಾಗರಿಕ ಸೇವಾ ನಿಯಮಗಳು–1966) ಅಥವಾ ಕೇಂದ್ರ ನಾಗರಿಕ ಸೇವಾ ನಿಯಮಗಳು–1964ರ ಅನ್ವಯ ಈ ನಿಷೇಧ ಹೇರಲಾಗಿದೆ. ಇದರಂತೆ ಯಾವುದೇ ಸರ್ಕಾರಿ ಉದ್ಯೋಗಿಗಳು ಷೇರು ಅಥವಾ ಇತರೆ ಹೂಡಿಕೆ ಉತ್ಪನ್ನದಲ್ಲಿ ಸ್ಪೆಕ್ಯುಲೇಟಿವ್ (ತ್ವರಿತ ದರ ಏರಿಳಿತ) ರೂಪದಲ್ಲಿರುವ ವ್ಯವಹಾರಗಳಲ್ಲಿ ತೊಡಗಿಸುವುದನ್ನು ನಿರ್ಬಂಧಿಸಲಾಗಿದೆ. ಈ ನಿಯಮವು ಕೇಂದ್ರ, ರಾಜ್ಯ ಸರ್ಕಾರ ಅಥವಾ ಕೇಂದ್ರಾಡಳಿತ ಪ್ರದೇಶದ ಅಡಿ ಬರುವ ಇಲಾಖೆಗಳಲ್ಲಿ ಉದ್ಯೋಗ ಮಾಡುವ ಎಲ್ಲಾ ನೌಕರರಿಗೂ ಆಯಾ ಪ್ರಾದೇಶಿಕ ನಿಯಮಗಳಂತೆ ಅನ್ವಯಿಸುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಆದರೆ, ಕೇವಲ ಹೂಡಿಕೆಯ ದೃಷ್ಟಿಯಿಂದ ಮಾಡುವ ವ್ಯವಹಾರ ಇದರಲ್ಲಿ ಒಳಗೊಳ್ಳು ವುದಿಲ್ಲ. ಕೆಲವೊಂದು ರೀತಿಯ ಹೂಡಿಕೆಗಳಿಗೆ ರಿಯಾಯಿತಿ ನೀಡಲಾಗಿದೆ. ಉದಾಹರಣೆಗೆ ಹಂತ ಹಂತವಾಗಿ ಷೇರುಗಳನ್ನು ದೀರ್ಘಾವಧಿಗಾಗಿ ಖರೀದಿಸಿ ಕೆಲವು ವರ್ಷಗಳ ಬಳಿಕ ಮಾರಾಟ ಮಾಡಿದಾಗ ಅದು ಹೂಡಿಕೆ ಎಂದೇ ಪರಿಗಣಿಸಲ್ಪಡುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eದೀರ್ಘಾವಧಿಗೆ ಷೇರುಗಳಲ್ಲದೆ ಎಸ್‌ಐಪಿ, ಗೋಲ್ಡ್ ಬಾಂಡ್‌, ಆರ್‌ಬಿಐ ಬಾಂಡ್‌ ಮತ್ತು ಅಂತಹ ಇತರೆ ಹೂಡಿಕೆಗಳನ್ನೂ ಮಾಡಬಹುದು. ಈ ಬಗ್ಗೆ ಅಗತ್ಯ ಬಿದ್ದಲ್ಲಿ ಸಂಬಂಧಿತ ಉನ್ನತ ಅಧಿಕಾರಿಗಳಿಗೂ ನೀವು ಲಿಖಿತ ರೂಪದಲ್ಲಿ ಸಂಪರ್ಕಿಸಿ ಮಾಹಿತಿ ಪಡೆದುಕೊಳ್ಳುವುದು ಸೂಕ್ತ. ನಿಷೇಧಿತ ವ್ಯವಹಾರಗಳಲ್ಲಿ ಅಲ್ಪಾವಧಿಗೆ ಷೇರು ಖರೀದಿ-ಮಾರಾಟ, ಕರೆನ್ಸಿ ಹಾಗೂ ಕಮೋಡಿಟಿ ವಹಿವಾಟು, ಫ್ಯೂಚರ್ಸ್ ಮತ್ತು ಆಪ್ಶನ್ ವ್ಯವಹಾರ ಅಥವಾ ಇಂಟ್ರಾಡೇ ಟ್ರೇಡಿಂಗ್ ಇತ್ಯಾದಿಗಳು ಇಲ್ಲಿ ಬಹುಮುಖ್ಯವಾಗಿ ಒಳಗೊಳ್ಳುತ್ತವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಹೂಡಿಕೆಗಳಿಗೂ ಆರ್ಥಿಕ ಮಿತಿ ಇದೆ. 2019ರ ತಿದ್ದುಪಡಿಯಂತೆ ಕ್ಯಾಲೆಂಡರ್ ವರ್ಷದಲ್ಲಿ ಯಾವುದೇ ವರ್ಗದ ನೌಕರ ರಾಗಿದ್ದರೂ ತಮ್ಮ ಮೂಲ ವೇತನದ 6 ಪಟ್ಟು ಮೊತ್ತ ಹೂಡಿಕೆಗೆ ಮುಕ್ತ ಅವಕಾಶವಿದೆ. ಇನ್ನೂ ಹೆಚ್ಚಿನ ಹೂಡಿಕೆ ಇದ್ದರೆ, ಅದನ್ನು ವರ್ಷಾಂತ್ಯದ ಬಳಿಕ ಸಂಬಂಧಪಟ್ಟ ಅಧಿಕಾರಿಗಳಿಗೆ ಮಾಹಿತಿ ನೀಡಬೇಕು.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F6be00207-715c-45b0-a397-4ea93cad9f01\u002Felement\u002Fddeae31b-ecb0-4442-bd70-3305db7a6874","type":"text","family-id":"295ad594-198a-4a3f-9d65-85afe1ad727b","title":"","id":"ddeae31b-ecb0-4442-bd70-3305db7a6874","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Elಪ್ರಶ್ನೆ: ನಾನು ಬೆಂಗಳೂರಿನಲ್ಲಿ ಖಾಸಗಿ ಕಂಪನಿಯ ನೌಕರ. ಕಂಪನಿಯ ಉದ್ಯೋಗ ನಿಯಮದಂತೆ ನಮಗೆ ಪ್ರತಿವರ್ಷ ರಜಾ ಪ್ರವಾಸ ಕೈಗೊಳ್ಳುವ ಬಗ್ಗೆ ವೇತನದೊಂದಿಗೆ ಸುಮಾರು ₹75 ಸಾವಿರ ಭತ್ಯೆ ನೀಡಲಾಗುತ್ತದೆ. ಇದಕ್ಕೆ ಪ್ರವಾಸ ಕೈಗೊಂಡು ಬಿಲ್ ಸಹಿತ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಪಡೆಯಬಹುದು ಎಂದು ತಿಳಿದಿದ್ದೇನೆ. ನಾನು ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿಯಡಿ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುತ್ತಿದ್ದೇನೆ. ಇದರಡಿ ನನಗೆ ಒಟ್ಟಾರೆ ತೆರಿಗೆ ಉಳಿತಾಯವಾಗುತ್ತದೆ. ನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ ಈ ಭತ್ಯೆಗೆ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಪಡೆಯುವ ಸಾಧ್ಯತೆ ಇದೆಯೇ ಅಥವಾ ಪ್ರವಾಸ ಕೈಗೊಂಡರೂ ತೆರಿಗೆ ಕಟ್ಟಬೇಕಾಗುತ್ತದೆಯೇ? ರಿಯಾಯಿತಿ ಇಲ್ಲವೇ? ತಿಳಿಸಿಕೊಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003E-ಜಿ. ಪ್ರಸನ್ನಕುಮಾರ್, ಮೂಡಲಪಾಳ್ಯ, ಬೆಂಗಳೂರು\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F6be00207-715c-45b0-a397-4ea93cad9f01\u002Felement\u002F80a65645-2960-4073-9d39-5c203f39e1bc","type":"text","family-id":"24a9fb55-8d40-4ae5-aa35-a1b3611fa728","title":"","id":"80a65645-2960-4073-9d39-5c203f39e1bc","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ:\u003C\u002Fstrong\u003E ನೀವು ಆದಾಯ ತೆರಿಗೆ ಸೆಕ್ಷನ್ 115ಬಿಎಸಿ  ಅಡಿ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುತ್ತಿರುವ ಬಗ್ಗೆ ಹೇಳಿದ್ದೀರಿ. ಇದು ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿಯಾಗಿದೆ. ತೆರಿಗೆ ದರ ನಿಗದಿ ಮಾಡುವಾಗ ಅನೇಕ ಮಟ್ಟದ ತೆರಿಗೆ ದರವನ್ನು ಈ ಪದ್ಧತಿಯಲ್ಲಿ ಅಳವಡಿಸಿಕೊಳ್ಳಲಾಗಿದೆ. ಸಹಜವಾಗಿ ತೆರಿಗೆ ಉಳಿಸುವ ಅವಕಾಶ ಈ ಪದ್ಧತಿಯಡಿ ಇರುವುದರಿಂದ ಬಹುತೇಕ ತೆರಿಗೆ ರಿಯಾಯಿತಿಗಳನ್ನು ಈ ಕಾರಣಕ್ಕೆ ಕೈಬಿಡಲಾಗಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಆದಾಯ ತೆರಿಗೆಯ ಸೆಕ್ಷನ್ 10(5) ಅಡಿ ರಜಾ ಸಂಬಂಧಿತ ವೇತನ ಪಾವತಿಗೆ ಸಂಬಂಧಿಸಿದ ರಿಯಾಯಿತಿಗಳನ್ನು ಉಲ್ಲೇಖಿಸಲಾಗಿದೆ. ನಾಲ್ಕು ವರ್ಷದ ಬ್ಲಾಕ್ ಅವಧಿಯಲ್ಲಿ ಎರಡು ಬಾರಿ ಹಳೆಯ ತೆರಿಗೆ ಪದ್ಧತಿ ಅನುಸರಿಸುವವರಿಗೆ ಈ ರಿಯಾಯಿತಿಯ ಲಾಭ ಪಡೆಯಬಹುದು. ಆದರೆ, ಇತರೆ ಎರಡು ವರ್ಷ ಯಾವುದೇ ಅವಕಾಶ ಇಲ್ಲದ ಕಾರಣ ಬರುವ ಮೊತ್ತ ತೆರಿಗೆಗೆ ಒಳಪಡುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿ ಆಯ್ಕೆ ಮಾಡುವವರಿಗೆ ಈ ರಿಯಾಯಿತಿಯಿಂದ ಹೊರಗಿಡಲಾಗಿದೆ. ಹೀಗಾಗಿ, ನಿಮಗೆ ಪ್ರತ್ಯೇಕ ರಿಯಾಯಿತಿ ಸಿಗುವುದಿಲ್ಲ. ನೀವು ನಿಮ್ಮ ಆದಾಯವನ್ನು ಎರಡೂ ಪದ್ಧತಿಯನ್ನು ಅನ್ವಯಿಸಿ ನೋಡಿ. ಒಟ್ಟಾರೆ ತೆರಿಗೆ ಎಷ್ಟು ಬರಬಹುದೆಂಬುದನ್ನು ತಿಳಿದುಕೊಳ್ಳಿ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F6be00207-715c-45b0-a397-4ea93cad9f01\u002Felement\u002Fada5f465-bb54-45da-9f86-8dad13ab84c5","type":"text","family-id":"8a6d0c6b-88af-47ed-aab8-14adcd4153dd","title":"","id":"ada5f465-bb54-45da-9f86-8dad13ab84c5","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Elಪ್ರಶ್ನೆ: ನಾನು ಹೊಸ ಕಾರು ಖರೀದಿಸ ಬೇಕೆಂದಿದ್ದೇನೆ. ಕೆಲವು ವರ್ಷದ ಹಿಂದೆ ಸರ್ಕಾರ ಬಜೆಟ್‌ನಲ್ಲಿ ಕಾರು ಖರೀದಿಗೆ ಸಂಬಂಧಿಸಿ ಕೆಲವು ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಇದೆ ಎಂದು ಪ್ರಕಟಿದ್ದ ನೆನಪು. ಇದಕ್ಕೆ ಯಾವ ರೀತಿಯ ಕಾರು ಖರೀದಿಸಿದರೆ ಈ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಸಿಗುತ್ತದೆ. ನಾನು ಬ್ಯಾಂಕ್ ಉದ್ಯೋಗದಲ್ಲಿದ್ದೇನೆ. ನನ್ನ ವಯಸ್ಸು 45. ನಮ್ಮ ತಂದೆ-ತಾಯಿ ಇರುವ ಹುಬ್ಬಳ್ಳಿಯಲ್ಲಿ ಹೊಸ ಮನೆ ಕಟ್ಟಿಸಿರುತ್ತೇನೆ. ಇದಕ್ಕೆ ಬ್ಯಾಂಕ್ ಸಾಲ ಇದೆ. ನಾನು ಹಳೆಯ ತೆರಿಗೆ ಪದ್ಧತಿಯಡಿ ತೆರಿಗೆ ಕಟ್ಟುತ್ತಿದ್ದೇನೆ. ಅಲ್ಲದೆ ಉದ್ಯೋಗ ವರ್ಗಾವಣೆಯಲ್ಲಿರುವ ಕಾರಣ ಬಾಡಿಗೆ ಮನೆಯಲ್ಲೇ ಪ್ರತಿ ಮೂರರಿಂದ ಐದು ವರ್ಷ ಇರುತ್ತೇನೆ. ಬಾಡಿಗೆ ಭತ್ಯೆ ಹಾಗೂ ತತ್ಸಂಬಂಧಿತ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಪಡೆಯುತ್ತಿದ್ದೇನೆ. ಈ ಹಿನ್ನೆಲೆ ಇರಿಸಿ ನಾನು ಕಾರು ಖರೀದಿಸಿದರೆ ನನಗೆ ಇನ್ನಷ್ಟು ತೆರಿಗೆ ಉಳಿತಾಯ ಮಾಡುವ ಸಾಧ್ಯತೆ ಇದೆಯೇ? ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003E-ರಾಕೇಶ್, ಹೊಸದುರ್ಗ\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F6be00207-715c-45b0-a397-4ea93cad9f01\u002Felement\u002F9db9c810-a670-4521-b731-419208c7a5ac","type":"text","family-id":"b31edec0-12a7-42d5-9488-8d0633a3ee11","title":"","id":"9db9c810-a670-4521-b731-419208c7a5ac","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ:\u003C\u002Fstrong\u003E ನಿಮ್ಮ ಪ್ರಶ್ನೆ ಎಲೆಕ್ಟ್ರಿಕ್ ಕಾರು ಖರೀದಿಗೆ ಸಂಬಂಧಿಸಿ ಸಿಗಬಹುದಾದ ತೆರಿಗೆ ಲಾಭದ ಬಗ್ಗೆ ಆಗಿರುತ್ತದೆ. ಸೆಕ್ಷನ್ 80ಇಇಬಿ ಆರಂಭಗೊಂಡಿದ್ದು 2019ರಲ್ಲಿ. ನಂತರ 2023ರ ಮಾರ್ಚ್‌ 31ರ ತನಕ ಮಂಜೂರಾದ ಅಧಿಕೃತ ಹಣಕಾಸು ಸಂಸ್ಥೆ, ಬ್ಯಾಂಕ್‌ಗಳಿಂದ ಪಡೆದ ಸಾಲದ ಬಡ್ಡಿಗೆ ಪಾವತಿಗೆ ಸಂಬಂಧಿಸಿ ವಾರ್ಷಿಕವಾಗಿ ₹1.50 ಲಕ್ಷ ತೆರಿಗೆ ಸವಲತ್ತು ಸಿಗುತ್ತಿತ್ತು. ಇಲ್ಲೂ ಹಳೆಯ ತೆರಿಗೆ ಪದ್ಧತಿ ಅನುಸರಿಸುವವರಿಗೆ ಮಾತ್ರ ಈ ಲಾಭ ಪಡೆಯುವ ಅವಕಾಶ ನೀಡಲಾಗಿತ್ತು. ಪ್ರಸ್ತುತ ಈ ತೆರಿಗೆ ಲಾಭ ಜಾರಿಯಲ್ಲಿಲ್ಲ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F6be00207-715c-45b0-a397-4ea93cad9f01\u002Felement\u002F82407422-f5a8-4d91-8283-a3508a0fd7e4","type":"text","family-id":"bb66514f-1f8a-440c-9638-2f09351ae8f9","title":"","id":"82407422-f5a8-4d91-8283-a3508a0fd7e4","metadata":{},"subtype":"summary","text":"\u003Cp\u003E\u003Cstrong\u003Eಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003Eಹಣಕಾಸಿಗೆ ಸಂಬಂಧಿಸಿದ ಪ್ರಶ್ನೆಗಳನ್ನು ಪತ್ರದಲ್ಲಿ (ದೂರವಾಣಿ ಸಂಖ್ಯೆ ಸಹಿತ) ಬರೆದು ಕಳುಹಿಸಿ. ವಿಳಾಸ: ಪ್ರಶ್ನೋತ್ತರ, ವಾಣಿಜ್ಯ ವಿಭಾಗ, ಪ್ರಜಾವಾಣಿ, ನಂ.75, ಮಹಾತ್ಮ ಗಾಂಧಿ ರಸ್ತೆ, ಬೆಂಗಳೂರು–560001. ಇ–ಮೇಲ್‌: businessdesk@prajavani.co.in\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1737512797898,"content-version-id":"647b3528-d54c-450d-9509-55f82de5054d","card-added-at":1737512472294,"status":"draft","id":"5ab0cddc-912d-462d-acce-56f47d5114f0","content-id":"5ab0cddc-912d-462d-acce-56f47d5114f0","version":6,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ ಅಂಕಣ: ಯಾವ ರೀತಿಯ ಕಾರು ಖರೀದಿಸಿದರೆ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಸಿಗುತ್ತದೆ?","message":null,"image":{"key":"prajavani\u002F2025-01-22\u002Fy72i3cpa\u002Fkbec12audi_q5.jpg","url":null,"attribution":null,"alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಯಾವ ಕಾರಿಗೆ ಎಷ್ಟು ರಿಯಾಯಿತಿ?\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"width":500,"height":281,"focus-point":[338,83]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fpersonal-finance-what-kind-of-car-do-you-get-tax-rebate-on-purchasing-3135214","story-version-id":"5f5a3fad-3c1b-4f63-af05-59985b908a0e","content-type":"story","content-updated-at":1737512800446,"author-id":1749710,"owner-id":1960520,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1737512800325,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಯಾವ ಕಾರಿಗೆ ಎಷ್ಟು ರಿಯಾಯಿತಿ?\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":6,"story-template":"text","sequence-no":null,"created-at":1737512797891,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"card-share":{"shareable":false}},"publish-at":null,"assignee-name":"Manjunath C Bhadrashetti"}},{"id":"f6bbb080-e0f1-4567-a299-759144811bac","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ"]},"story":{"updated-at":1736873168764,"seo":{"meta-description":"ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ","meta-keywords":["Finance","Tips","Financial literacy","Financial advice","Financial assistance","Tax"],"claim-reviews":{"story":null}},"assignee-id":1754432,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5510713,"name":"Finance","meta-description":null,"meta-title":null,"slug":"finance","tag-type":"Tag"},{"id":5510997,"name":"Tax","meta-description":null,"meta-title":null,"slug":"tax","tag-type":"Tag"},{"id":5511450,"name":"Tips","meta-description":null,"meta-title":null,"slug":"tips","tag-type":"Tag"},{"id":5514639,"name":"Financial assistance","meta-description":null,"meta-title":null,"slug":"financial-assistance","tag-type":"Tag"},{"id":5514883,"name":"Financial advice","meta-description":null,"meta-title":null,"slug":"financial-advice","tag-type":"Tag"},{"id":5541880,"name":"Financial literacy","meta-description":null,"meta-title":null,"slug":"financial-literacy","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ","storyline-id":null,"votes":{},"story-content-id":"f6bbb080-e0f1-4567-a299-759144811bac","slug":"business\u002Fprashnottara\u002Ffinancial-tax-investment-share-market-assistance-by-experts-3125459","last-published-at":1736901000000,"public-identifier":"3125459","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1736872841580,"is-embargoed":false,"owner-name":"ನಾಗರಾಜ್ ಬಿ.","custom-slug":"financial tax investment share market assistance by experts","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"focus-point":[673,266],"width":1200,"height":675},"comments":null,"word-count":536,"story-features":{"push-notification":{"is-scheduled":false,"publish-at":null}},"entities":{},"published-at":1736901000000,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":null,"push-notification-title":null,"external-id":null,"canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"f6bbb080-e0f1-4567-a299-759144811bac","hero-image-s3-key":"prajavani\u002F2024-09-01\u002Fxyrwgepp\u002Finvestment_fraud1609704750.jpg","contributors":null,"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002Ff6bbb080-e0f1-4567-a299-759144811bac\u002Felement\u002F562af0e3-bbe9-4ef2-84a5-678d989006f6","type":"text","family-id":"4a4d7ea9-9b91-48c4-ac56-d1eaf5e9849c","title":"","id":"562af0e3-bbe9-4ef2-84a5-678d989006f6","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Ff6bbb080-e0f1-4567-a299-759144811bac\u002Felement\u002F17f71d58-acfe-4876-bae7-db4dd2415cf0","type":"text","family-id":"b3222588-034c-49d2-89ca-9cfe06965ec4","title":"","id":"17f71d58-acfe-4876-bae7-db4dd2415cf0","metadata":{},"subtype":null,"text":"\u003Cp\u003E-ಶೇಖರ್ ಎಸ್.ಆರ್., ದೊಡ್ಡಬಳ್ಳಾಪುರ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Ff6bbb080-e0f1-4567-a299-759144811bac\u002Felement\u002F3b8826cf-e532-42e2-8023-bc2acd3f52e2","type":"text","family-id":"86eaff0e-71b2-4d28-94f3-883dc1fe6e18","title":"","id":"3b8826cf-e532-42e2-8023-bc2acd3f52e2","metadata":{"question":"\u003Cp\u003Eನಾನು ಇತ್ತೀಚಿನ ಕೆಲವು ತಿಂಗಳಿನಿಂದ ಈಕ್ವಿಟಿ ವಿಭಾಗದ ಷೇರುಗಳು ಮತ್ತು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತಿದ್ದೇನೆ. ಬಹುತೇಕ ಮಾಹಿತಿ ಪ್ರಕಾರ ಕಂಪನಿಯ ಮೂಲ ಮಾಹಿತಿ ಆಧರಿಸಿ ಹೂಡಿಕೆ ಮಾಡಬೇಕೆಂದು ಹೇಳುತ್ತಾರೆ. ಅದೇ ರೀತಿ ಇನ್ನೊಂದು ಅಭಿಪ್ರಾಯದ ಪ್ರಕಾರ ಟೆಕ್ನಿಕಲ್ ಎನಾಲಿಸಿಸ್ ಆಧರಿಸಿ ಹೂಡಿಕೆ ಮಾಡಬೇಕು ಎಂದು ಸಲಹೆ ನೀಡುತ್ತಾರೆ. ನಮ್ಮ ಹೂಡಿಕೆಗೆ ಯಾವುದು ಸೂಕ್ತ ಮತ್ತು ಇವನ್ನು ಹೇಗೆ ಉಪಯೋಗಿಸಿಕೊಳ್ಳಬಹುದು. ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ.\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eಯಾವುದೇ ಕಂಪನಿಯ ಫಂಡಮೆಂಟಲ್ ಮಾಹಿತಿ ಹಾಗೂ ಟೆಕ್ನಿಕಲ್ ಎನಾಲಿಸಿಸ್- ಈ ಎರಡೂ ವಿಚಾರಗಳು ಭಿನ್ನವಾಗಿರುತ್ತವೆ. ಇವುಗಳನ್ನು ಪ್ರತ್ಯೇಕವಾಗಿ ಅಥವಾ ಎರಡನ್ನೂ ಸೇರಿಸಿ ನಮ್ಮ ಹೂಡಿಕೆಗೆ ಬಳಸಿಕೊಳ್ಳಬಹುದು. ಆದರೆ, ಇವುಗಳ ಸರಿಯಾದ ಮಾಹಿತಿ ಹಾಗೂ ಬಳಸಿಕೊಳ್ಳಬೇಕಾದ ಅರಿವು ನಮಗಿರಬೇಕು. ಫಂಡಮೆಂಟಲ್ ಮಾಹಿತಿ ಕಂಪನಿಯ ಬಗೆಗಿನ ಚಾರಿತ್ರಿಕ ಆರ್ಥಿಕ ಮಾಹಿತಿ ಹಾಗೂ ಆಡಳಿತ ಮಂಡಳಿಯ ಮುಂದಿನ ದಿಕ್ಸೂಚಿ ನಿರ್ಧಾರಗಳನ್ನು ಗ್ರಹಿಸಿ ಉದ್ದೇಶಿತ ಕಂಪನಿಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದೇ, ಬೇಡವೇ ಎಂಬ ಬಗ್ಗೆ ನಮಗೆ ಮಾಹಿತಿ ನೀಡುತ್ತದೆ. ನಮ್ಮ ಯಾವುದೇ ನಿರ್ಧಾರಕ್ಕೆ ಪುಷ್ಟಿ ನೀಡುವ, ಕಂಪನಿಯ ಬಗೆಗಿನ ಒಟ್ಟು ಆರ್ಥಿಕ ಸ್ಥಿತಿಗತಿಗಳ ಅಧ್ಯಯನವಾಗಿದೆ. ಇದು ದೂರಗಾಮಿ ಉದ್ದೇಶ ಹೊಂದಿದ್ದು, ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆದಾರರಿಗೆ ಹೆಚ್ಚು ನೆರವಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಆದರೆ, ಟೆಕ್ನಿಕಲ್ ಎನಾಲಿಸಿಸ್ ಅನೇಕ ಕಾಲಘಟ್ಟದ ಅಂತರದಲ್ಲಿ ಮೂಡಿಬಂದ ಚಾರ್ಟ್‌ಗಳ ನೆರವಿನಿಂದ ಯಾವ ಮಟ್ಟದ ಬೆಲೆ ಖರೀದಿಗೆ ಯೋಗ್ಯ ಹಾಗೂ ಯಾವ ಹಂತದಲ್ಲಿ ಷೇರುಗಳ ಬೇಡಿಕೆ, ಪೂರೈಕೆ ಹೆಚ್ಚಾಗಿದೆ ಎಂದು ತಿಳಿದು ನಡೆಸುವ ವ್ಯವಹಾರಕ್ಕೆ ಹೆಚ್ಚು ನೆರವಾಗುತ್ತದೆ. ಇದು ಅಧಿಕವಾಗಿ ದಿನವಹಿ, ಅಲ್ಪಾವಧಿ ಕಾಲಕ್ಕೆ ವಹಿವಾಟು ಮಾಡುವ ಮಂದಿಗೆ ನೆರವಾಗುತ್ತದೆ. ಈ ರೀತಿಯ ಟೆಕ್ನಿಕಲ್ ಎನಾಲಿಸಿಸ್ ಆಧಾರದಲ್ಲಿ ವ್ಯವಹರಿಸಲು ಆ ಬಗ್ಗೆ ಸಾಕಷ್ಟು ತರಬೇತಿ ಅಗತ್ಯ. ಆ ಬಳಿಕವೇ ಯಾವುದೇ ವಹಿವಾಟು ಸೂಕ್ತ.\u003C\u002Fp\u003E\u003Cp\u003Eಅಲ್ಲದೆ, ಫಂಡಮೆಂಟಲ್ ಆಧಾರದಲ್ಲಿ ಆಯ್ಕೆ ಮಾಡಲಾದ ಕಂಪನಿಗಳಲ್ಲಿ ದೀರ್ಘಾವಧಿ ಸಮಯಕ್ಕೆ ಯಾವ ಹಂತದಲ್ಲಿ ಖರೀದಿ ಮಾಡಬಹುದು ಎಂಬ ಬಗ್ಗೆ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳಲು ಇದು ಹೆಚ್ಚುವರಿ ನೆರವಾಗುತ್ತದೆ. ಹೀಗಾಗಿ, ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆದಾರರು ಎರಡೂ ವಿಧದ ಮಾಹಿತಿಯ ಆಧಾರದಲ್ಲಿ ಹೂಡಿಕೆ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳಲು ನೆರವಾಗುತ್ತದೆ. ಅಲ್ಲದೆ, ಅನೇಕ ಬಾರಿ ದಿನವಹಿ ಬರುವ ವಾಣಿಜ್ಯ ವರ್ತಮಾನಗಳು, ಕಂಪನಿಯ ಫಂಡಮೆಂಟಲ್ ಮಾಹಿತಿ ಹಾಗೂ ಟೆಕ್ನಿಕಲ್ ಎನಾಲಿಸಿಸ್ ಅಲ್ಲದೆ ಪ್ರತ್ಯೇಕ  ಪರಿಣಾಮವನ್ನೂ ಬೀರಬಲ್ಲದು.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಇತ್ತೀಚಿನ ಕೆಲವು ತಿಂಗಳಿನಿಂದ ಈಕ್ವಿಟಿ ವಿಭಾಗದ ಷೇರುಗಳು ಮತ್ತು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತಿದ್ದೇನೆ. ಬಹುತೇಕ ಮಾಹಿತಿ ಪ್ರಕಾರ ಕಂಪನಿಯ ಮೂಲ ಮಾಹಿತಿ ಆಧರಿಸಿ ಹೂಡಿಕೆ ಮಾಡಬೇಕೆಂದು ಹೇಳುತ್ತಾರೆ. ಅದೇ ರೀತಿ ಇನ್ನೊಂದು ಅಭಿಪ್ರಾಯದ ಪ್ರಕಾರ ಟೆಕ್ನಿಕಲ್ ಎನಾಲಿಸಿಸ್ ಆಧರಿಸಿ ಹೂಡಿಕೆ ಮಾಡಬೇಕು ಎಂದು ಸಲಹೆ ನೀಡುತ್ತಾರೆ. ನಮ್ಮ ಹೂಡಿಕೆಗೆ ಯಾವುದು ಸೂಕ್ತ ಮತ್ತು ಇವನ್ನು ಹೇಗೆ ಉಪಯೋಗಿಸಿಕೊಳ್ಳಬಹುದು. ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eಯಾವುದೇ ಕಂಪನಿಯ ಫಂಡಮೆಂಟಲ್ ಮಾಹಿತಿ ಹಾಗೂ ಟೆಕ್ನಿಕಲ್ ಎನಾಲಿಸಿಸ್- ಈ ಎರಡೂ ವಿಚಾರಗಳು ಭಿನ್ನವಾಗಿರುತ್ತವೆ. ಇವುಗಳನ್ನು ಪ್ರತ್ಯೇಕವಾಗಿ ಅಥವಾ ಎರಡನ್ನೂ ಸೇರಿಸಿ ನಮ್ಮ ಹೂಡಿಕೆಗೆ ಬಳಸಿಕೊಳ್ಳಬಹುದು. ಆದರೆ, ಇವುಗಳ ಸರಿಯಾದ ಮಾಹಿತಿ ಹಾಗೂ ಬಳಸಿಕೊಳ್ಳಬೇಕಾದ ಅರಿವು ನಮಗಿರಬೇಕು. ಫಂಡಮೆಂಟಲ್ ಮಾಹಿತಿ ಕಂಪನಿಯ ಬಗೆಗಿನ ಚಾರಿತ್ರಿಕ ಆರ್ಥಿಕ ಮಾಹಿತಿ ಹಾಗೂ ಆಡಳಿತ ಮಂಡಳಿಯ ಮುಂದಿನ ದಿಕ್ಸೂಚಿ ನಿರ್ಧಾರಗಳನ್ನು ಗ್ರಹಿಸಿ ಉದ್ದೇಶಿತ ಕಂಪನಿಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದೇ, ಬೇಡವೇ ಎಂಬ ಬಗ್ಗೆ ನಮಗೆ ಮಾಹಿತಿ ನೀಡುತ್ತದೆ. ನಮ್ಮ ಯಾವುದೇ ನಿರ್ಧಾರಕ್ಕೆ ಪುಷ್ಟಿ ನೀಡುವ, ಕಂಪನಿಯ ಬಗೆಗಿನ ಒಟ್ಟು ಆರ್ಥಿಕ ಸ್ಥಿತಿಗತಿಗಳ ಅಧ್ಯಯನವಾಗಿದೆ. ಇದು ದೂರಗಾಮಿ ಉದ್ದೇಶ ಹೊಂದಿದ್ದು, ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆದಾರರಿಗೆ ಹೆಚ್ಚು ನೆರವಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಆದರೆ, ಟೆಕ್ನಿಕಲ್ ಎನಾಲಿಸಿಸ್ ಅನೇಕ ಕಾಲಘಟ್ಟದ ಅಂತರದಲ್ಲಿ ಮೂಡಿಬಂದ ಚಾರ್ಟ್‌ಗಳ ನೆರವಿನಿಂದ ಯಾವ ಮಟ್ಟದ ಬೆಲೆ ಖರೀದಿಗೆ ಯೋಗ್ಯ ಹಾಗೂ ಯಾವ ಹಂತದಲ್ಲಿ ಷೇರುಗಳ ಬೇಡಿಕೆ, ಪೂರೈಕೆ ಹೆಚ್ಚಾಗಿದೆ ಎಂದು ತಿಳಿದು ನಡೆಸುವ ವ್ಯವಹಾರಕ್ಕೆ ಹೆಚ್ಚು ನೆರವಾಗುತ್ತದೆ. ಇದು ಅಧಿಕವಾಗಿ ದಿನವಹಿ, ಅಲ್ಪಾವಧಿ ಕಾಲಕ್ಕೆ ವಹಿವಾಟು ಮಾಡುವ ಮಂದಿಗೆ ನೆರವಾಗುತ್ತದೆ. ಈ ರೀತಿಯ ಟೆಕ್ನಿಕಲ್ ಎನಾಲಿಸಿಸ್ ಆಧಾರದಲ್ಲಿ ವ್ಯವಹರಿಸಲು ಆ ಬಗ್ಗೆ ಸಾಕಷ್ಟು ತರಬೇತಿ ಅಗತ್ಯ. ಆ ಬಳಿಕವೇ ಯಾವುದೇ ವಹಿವಾಟು ಸೂಕ್ತ.\u003C\u002Fp\u003E\u003Cp\u003Eಅಲ್ಲದೆ, ಫಂಡಮೆಂಟಲ್ ಆಧಾರದಲ್ಲಿ ಆಯ್ಕೆ ಮಾಡಲಾದ ಕಂಪನಿಗಳಲ್ಲಿ ದೀರ್ಘಾವಧಿ ಸಮಯಕ್ಕೆ ಯಾವ ಹಂತದಲ್ಲಿ ಖರೀದಿ ಮಾಡಬಹುದು ಎಂಬ ಬಗ್ಗೆ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳಲು ಇದು ಹೆಚ್ಚುವರಿ ನೆರವಾಗುತ್ತದೆ. ಹೀಗಾಗಿ, ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆದಾರರು ಎರಡೂ ವಿಧದ ಮಾಹಿತಿಯ ಆಧಾರದಲ್ಲಿ ಹೂಡಿಕೆ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳಲು ನೆರವಾಗುತ್ತದೆ. ಅಲ್ಲದೆ, ಅನೇಕ ಬಾರಿ ದಿನವಹಿ ಬರುವ ವಾಣಿಜ್ಯ ವರ್ತಮಾನಗಳು, ಕಂಪನಿಯ ಫಂಡಮೆಂಟಲ್ ಮಾಹಿತಿ ಹಾಗೂ ಟೆಕ್ನಿಕಲ್ ಎನಾಲಿಸಿಸ್ ಅಲ್ಲದೆ ಪ್ರತ್ಯೇಕ  ಪರಿಣಾಮವನ್ನೂ ಬೀರಬಲ್ಲದು.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002Ff6bbb080-e0f1-4567-a299-759144811bac\u002Felement\u002F5c45b1f8-0334-4924-9f0a-9448e99ab093","type":"text","family-id":"5b1a88fc-0f5c-4ee5-a9db-8fb477cf88f0","title":"","id":"5c45b1f8-0334-4924-9f0a-9448e99ab093","metadata":{},"subtype":null,"text":"\u003Cp\u003E-ನಯನಾ ರಾವ್, ವೈಟ್‌ಫೀಲ್ಡ್, ಬೆಂಗಳೂರು.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Ff6bbb080-e0f1-4567-a299-759144811bac\u002Felement\u002Fd40050fa-6967-4035-a622-e4adc314e9ab","type":"text","family-id":"f6700eb6-44d9-42ee-9c8d-e82d88cc826e","title":"","id":"d40050fa-6967-4035-a622-e4adc314e9ab","metadata":{"question":"\u003Cp\u003Eಪ್ರಶ್ನೆ:ನನ್ನ ಮಗ ವಿದೇಶದಲ್ಲಿದ್ದಾನೆ. ಕೆಲವು ವರ್ಷಗಳ ಹಿಂದೆ ಆತ ಬೆಂಗಳೂರಿನಲ್ಲಿ ಒಂದು ಫ್ಲ್ಯಾಟ್ ಕೊಂಡುಕೊಂಡಿದ್ದ. ಆತನೊಂದಿಗೆ ನಾವೂ ಅದರಲ್ಲಿ ವಾಸಿಸುತ್ತಿದ್ದೆವು. ಆದರೆ, ಆತನ ಉದ್ಯೋಗದ ನಿಮಿತ್ತ ವಿದೇಶಕ್ಕೆ ತೆರಳಿದ ಕಾರಣ ಕೆಲಕಾಲ ಮನೆ ಖಾಲಿ ಇದೆ. ನಾವು ಯಾರ ನೆರವಿಲ್ಲದೆ ಅಲ್ಲಿ ವಾಸಿಸುವುದು ಕಷ್ಟವಾದ ಕಾರಣ ಬೇರೆಡೆಗೆ ನಾವು ನಮ್ಮ ವಾಸ ಬದಲಿಸಿದ್ದೇವೆ. ಈ ನಡುವೆ ಮನೆ ಬಾಡಿಗೆಗೆ ನೀಡುವ ಯೋಚನೆ ಮಾಡಿದ್ದೇವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ ನನ್ನ ಮಗನ ಹೆಸರಲ್ಲಿರುವ ಮನೆಯನ್ನು ಬಾಡಿಗೆಗೆ ಕೊಟ್ಟರೆ  ಅದರ ಬಾಡಿಗೆಯನ್ನು ನಾವು ಪಡೆಯಬಹುದೇ ಹಾಗೂ ಆ ಮೊತ್ತದಿಂದ ನಮ್ಮ ಖರ್ಚು ಹೊಂದಿಸುವ ಯೋಜನೆ ಇದೆ. ಮನೆಯ ಒಡೆತನ ಮಗನ ಹೆಸರಲ್ಲಿ ಇರುವ ಕಾರಣ ಬಾಡಿಗೆದಾರರು ಅವನ ಹೆಸರಲ್ಲೇ ಬಾಡಿಗೆ ಕೊಡಬೇಕೇ? ಹಾಗಿದ್ದರೆ, ಅದಕ್ಕೆ ಆತನ ವಿದೇಶಿ ಬ್ಯಾಂಕ್ ಖಾತೆ ನೀಡಬೇಕೇ ಅಥವಾ ಅದಕ್ಕೆ ಪರ್ಯಾಯ ವ್ಯವಸ್ಥೆ ಇದೆಯೇ? ಈ ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ಬರುವುದೇ? ತಿಳಿಸಿ ಕೊಡಿ.\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ಎರಡು ವಿಷಯಗಳ ನಿರ್ಣಯ ಅಗತ್ಯ. ಮೊದಲನೆಯದು ನಿಮ್ಮ ಮಗನ ಹೆಸರಲ್ಲಿರುವ ಮನೆಯನ್ನು ಬಾಡಿಗೆಗೆ ನೀಡಿದಾಗ ಅದರಿಂದ ಬರುವ ಬಾಡಿಗೆ ನಿಮ್ಮ ಹೆಸರಿಗೆ ಪಾವತಿಸುವಂತೆ ಬಾಡಿಗೆದಾರರಿಗೆ ಆದೇಶ ನೀಡಿದಾಗ ಆಗುವ ತೆರಿಗೆ ಪರಿಣಾಮಗಳಾಗಿವೆ. ಎರಡನೆಯದು ನಿಮ್ಮ ಮಗನ ಹೆಸರಲ್ಲೇ ಬಾಡಿಗೆ ಆದಾಯ ಜಮಾ ಆಗುವಂತೆ ಮಾಡಿದಾಗ ಆಗುವ ತೆರಿಗೆ ಪರಿಣಾಮಗಳೇನು ಎಂಬುದಾಗಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಯಾವುದೇ ವ್ಯಕ್ತಿಯ ಹೆಸರಲ್ಲಿರುವ ಆಸ್ತಿಯನ್ನು ವರ್ಗಾಯಿಸದೆ ಕೇವಲ ಬಾಡಿಗೆ ಪಡೆಯಲು ಅವಕಾಶ ಮಾಡಿಕೊಟ್ಟಾಗ, ಅಂತಹ ಆದಾಯದ ಮೇಲೆ ತೆರಿಗೆ ಯಾರು ಕೊಡಬೇಕೆನ್ನುವ ಪ್ರಶ್ನೆ ಬರುತ್ತದೆ. ಬಾಡಿಗೆ ಆದಾಯಕ್ಕೆ ಸಂಬಂಧಿಸಿ, ಆಸ್ತಿ ಯಾರ ಒಡೆತನದಲ್ಲಿದೆಯೊ ಅವರೇ ತೆರಿಗೆ ಪಾವತಿಗೆ ಬಾಧ್ಯಸ್ಥರು. ನಿಮ್ಮ ವಿಚಾರದಲ್ಲೂ ಇದು ಅನ್ವಯಿಸುತ್ತದೆ. ಒಂದು ವೇಳೆ ನೀವು ಆಂತರಿಕವಾಗಿ ನಿಮ್ಮ ಸೌಕರ್ಯಕ್ಕೆ ಸಂಬಂಧಿಸಿ ಬಾಡಿಕೆ ವರ್ಗಾಯಿಸಿಕೊಂಡರೂ ತೆರಿಗೆಯ ಉತ್ತರದಾಯಿತ್ವ ನಿಮ್ಮ ಮಗನ ಹೆಸರಲ್ಲೇ ಇರುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನೂ ಕೆಲವು ವಿಚಾರ ಗಮನಿಸಬೇಕಾದದ್ದೇನೆಂದರೆ ಈ ಸಂಬಂಧಿತ ಯಾವುದೇ ಸಾಲದ ಮೇಲಿನ ಬಡ್ಡಿ ವಿನಾಯಿತಿ, ಆಸ್ತಿ ತೆರಿಗೆ ಸಂಬಂಧಿತ ರಿಯಾಯಿತಿ ಇತ್ಯಾದಿ ಮೂಲ ಮಾಲೀಕರಿಗೆ ಮಾತ್ರವೇ ಸಿಗುತ್ತದೆ. ನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ಆದಾಯವನ್ನು ನಿಮ್ಮ ಮಗನ ಹೆಸರಿನಲ್ಲೇ ಘೋಷಿಸುವುದು ಆದಾಯ ತೆರಿಗೆ ನಿಯಮಗಳಂತೆ ಸರಿಯಾಗಿದೆ. ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವ ಮೊದಲು ನಿಮ್ಮ ಸಮೀಪದ ತೆರಿಗೆ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸಿ ಅಗತ್ಯವಿರುವ ಎಲ್ಲಾ ಮಾಹಿತಿಯನ್ನು ಒದಗಿಸಿ ಕೊಡಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನು ನಿಮ್ಮ ಪುತ್ರನ ಹೆಸರಲ್ಲಿ ನಾನ್ ರೆಸಿಡೆಂಟ್ ಆರ್ಡಿನರಿ ಅಕೌಂಟ್ (ಎನ್‌ಆರ್‌ಒ) ತೆರೆಯಲು ಅವಕಾಶವಿದೆ. ಯಾವುದೇ ವ್ಯಕ್ತಿ ವಿದೇಶದಲ್ಲಿದ್ದಾಗ ಹಾಗೂ ಆತ ಅನಿವಾಸಿ ಭಾರತೀಯನಾಗಿದ್ದರೆ (ಎನ್‌ಆರ್‌ಐ) ಹಾಗೂ ಆತನಿಗೆ ಭಾರತೀಯ ಮೂಲದಿಂದ ಆದಾಯ ಬರುವುದಿದ್ದರೆ ಭಾರತದ ಯಾವುದೇ ಬ್ಯಾಂಕ್ ಶಾಖೆಗಳಲ್ಲಿ ಎನ್‌ಆರ್‌ಒ ಖಾತೆ ತೆರೆಯುವ ಅವಕಾಶ ಇದೆ. ಅಲ್ಲದೆ, ನೀವು ಆ ಖಾತೆಗೆ ಜಂಟಿ ಖಾತೆದಾರರಾಗಬಹುದು ಹಾಗೂ ಖಾತೆಯನ್ನು ನಿರ್ವಹಿಸಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eಆದರೆ, ಯಾವುದೇ ಹಣ ವರ್ಗಾವಣೆ ಸಂದರ್ಭ ಬಂದಾದ ಸಮರ್ಪಕವಾದ ತೆರಿಗೆ ಕಡಿತ ಇತ್ಯಾದಿ ಮಾಡಲಾಗಿದೆಯೇ ಎಂಬ ಬಗ್ಗೆ ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಲು ಫಾರಂ 15ಸಿಎ\u002F15ಸಿಬಿ ನೀಡಬೇಕಾಗುತ್ತದೆ. ಈ ವಿಚಾರವನ್ನು ಗಮನದಲ್ಲಿಟ್ಟು ನೀವು ಸಮೀಪದ ಬ್ಯಾಂಕ್ ಶಾಖೆಗಳನ್ನು ಸಂಪರ್ಕಿಸಬಹುದು.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eಪ್ರಶ್ನೆ:ನನ್ನ ಮಗ ವಿದೇಶದಲ್ಲಿದ್ದಾನೆ. ಕೆಲವು ವರ್ಷಗಳ ಹಿಂದೆ ಆತ ಬೆಂಗಳೂರಿನಲ್ಲಿ ಒಂದು ಫ್ಲ್ಯಾಟ್ ಕೊಂಡುಕೊಂಡಿದ್ದ. ಆತನೊಂದಿಗೆ ನಾವೂ ಅದರಲ್ಲಿ ವಾಸಿಸುತ್ತಿದ್ದೆವು. ಆದರೆ, ಆತನ ಉದ್ಯೋಗದ ನಿಮಿತ್ತ ವಿದೇಶಕ್ಕೆ ತೆರಳಿದ ಕಾರಣ ಕೆಲಕಾಲ ಮನೆ ಖಾಲಿ ಇದೆ. ನಾವು ಯಾರ ನೆರವಿಲ್ಲದೆ ಅಲ್ಲಿ ವಾಸಿಸುವುದು ಕಷ್ಟವಾದ ಕಾರಣ ಬೇರೆಡೆಗೆ ನಾವು ನಮ್ಮ ವಾಸ ಬದಲಿಸಿದ್ದೇವೆ. ಈ ನಡುವೆ ಮನೆ ಬಾಡಿಗೆಗೆ ನೀಡುವ ಯೋಚನೆ ಮಾಡಿದ್ದೇವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ ನನ್ನ ಮಗನ ಹೆಸರಲ್ಲಿರುವ ಮನೆಯನ್ನು ಬಾಡಿಗೆಗೆ ಕೊಟ್ಟರೆ  ಅದರ ಬಾಡಿಗೆಯನ್ನು ನಾವು ಪಡೆಯಬಹುದೇ ಹಾಗೂ ಆ ಮೊತ್ತದಿಂದ ನಮ್ಮ ಖರ್ಚು ಹೊಂದಿಸುವ ಯೋಜನೆ ಇದೆ. ಮನೆಯ ಒಡೆತನ ಮಗನ ಹೆಸರಲ್ಲಿ ಇರುವ ಕಾರಣ ಬಾಡಿಗೆದಾರರು ಅವನ ಹೆಸರಲ್ಲೇ ಬಾಡಿಗೆ ಕೊಡಬೇಕೇ? ಹಾಗಿದ್ದರೆ, ಅದಕ್ಕೆ ಆತನ ವಿದೇಶಿ ಬ್ಯಾಂಕ್ ಖಾತೆ ನೀಡಬೇಕೇ ಅಥವಾ ಅದಕ್ಕೆ ಪರ್ಯಾಯ ವ್ಯವಸ್ಥೆ ಇದೆಯೇ? ಈ ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ಬರುವುದೇ? ತಿಳಿಸಿ ಕೊಡಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ಎರಡು ವಿಷಯಗಳ ನಿರ್ಣಯ ಅಗತ್ಯ. ಮೊದಲನೆಯದು ನಿಮ್ಮ ಮಗನ ಹೆಸರಲ್ಲಿರುವ ಮನೆಯನ್ನು ಬಾಡಿಗೆಗೆ ನೀಡಿದಾಗ ಅದರಿಂದ ಬರುವ ಬಾಡಿಗೆ ನಿಮ್ಮ ಹೆಸರಿಗೆ ಪಾವತಿಸುವಂತೆ ಬಾಡಿಗೆದಾರರಿಗೆ ಆದೇಶ ನೀಡಿದಾಗ ಆಗುವ ತೆರಿಗೆ ಪರಿಣಾಮಗಳಾಗಿವೆ. ಎರಡನೆಯದು ನಿಮ್ಮ ಮಗನ ಹೆಸರಲ್ಲೇ ಬಾಡಿಗೆ ಆದಾಯ ಜಮಾ ಆಗುವಂತೆ ಮಾಡಿದಾಗ ಆಗುವ ತೆರಿಗೆ ಪರಿಣಾಮಗಳೇನು ಎಂಬುದಾಗಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಯಾವುದೇ ವ್ಯಕ್ತಿಯ ಹೆಸರಲ್ಲಿರುವ ಆಸ್ತಿಯನ್ನು ವರ್ಗಾಯಿಸದೆ ಕೇವಲ ಬಾಡಿಗೆ ಪಡೆಯಲು ಅವಕಾಶ ಮಾಡಿಕೊಟ್ಟಾಗ, ಅಂತಹ ಆದಾಯದ ಮೇಲೆ ತೆರಿಗೆ ಯಾರು ಕೊಡಬೇಕೆನ್ನುವ ಪ್ರಶ್ನೆ ಬರುತ್ತದೆ. ಬಾಡಿಗೆ ಆದಾಯಕ್ಕೆ ಸಂಬಂಧಿಸಿ, ಆಸ್ತಿ ಯಾರ ಒಡೆತನದಲ್ಲಿದೆಯೊ ಅವರೇ ತೆರಿಗೆ ಪಾವತಿಗೆ ಬಾಧ್ಯಸ್ಥರು. ನಿಮ್ಮ ವಿಚಾರದಲ್ಲೂ ಇದು ಅನ್ವಯಿಸುತ್ತದೆ. ಒಂದು ವೇಳೆ ನೀವು ಆಂತರಿಕವಾಗಿ ನಿಮ್ಮ ಸೌಕರ್ಯಕ್ಕೆ ಸಂಬಂಧಿಸಿ ಬಾಡಿಕೆ ವರ್ಗಾಯಿಸಿಕೊಂಡರೂ ತೆರಿಗೆಯ ಉತ್ತರದಾಯಿತ್ವ ನಿಮ್ಮ ಮಗನ ಹೆಸರಲ್ಲೇ ಇರುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನೂ ಕೆಲವು ವಿಚಾರ ಗಮನಿಸಬೇಕಾದದ್ದೇನೆಂದರೆ ಈ ಸಂಬಂಧಿತ ಯಾವುದೇ ಸಾಲದ ಮೇಲಿನ ಬಡ್ಡಿ ವಿನಾಯಿತಿ, ಆಸ್ತಿ ತೆರಿಗೆ ಸಂಬಂಧಿತ ರಿಯಾಯಿತಿ ಇತ್ಯಾದಿ ಮೂಲ ಮಾಲೀಕರಿಗೆ ಮಾತ್ರವೇ ಸಿಗುತ್ತದೆ. ನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ಆದಾಯವನ್ನು ನಿಮ್ಮ ಮಗನ ಹೆಸರಿನಲ್ಲೇ ಘೋಷಿಸುವುದು ಆದಾಯ ತೆರಿಗೆ ನಿಯಮಗಳಂತೆ ಸರಿಯಾಗಿದೆ. ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವ ಮೊದಲು ನಿಮ್ಮ ಸಮೀಪದ ತೆರಿಗೆ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸಿ ಅಗತ್ಯವಿರುವ ಎಲ್ಲಾ ಮಾಹಿತಿಯನ್ನು ಒದಗಿಸಿ ಕೊಡಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನು ನಿಮ್ಮ ಪುತ್ರನ ಹೆಸರಲ್ಲಿ ನಾನ್ ರೆಸಿಡೆಂಟ್ ಆರ್ಡಿನರಿ ಅಕೌಂಟ್ (ಎನ್‌ಆರ್‌ಒ) ತೆರೆಯಲು ಅವಕಾಶವಿದೆ. ಯಾವುದೇ ವ್ಯಕ್ತಿ ವಿದೇಶದಲ್ಲಿದ್ದಾಗ ಹಾಗೂ ಆತ ಅನಿವಾಸಿ ಭಾರತೀಯನಾಗಿದ್ದರೆ (ಎನ್‌ಆರ್‌ಐ) ಹಾಗೂ ಆತನಿಗೆ ಭಾರತೀಯ ಮೂಲದಿಂದ ಆದಾಯ ಬರುವುದಿದ್ದರೆ ಭಾರತದ ಯಾವುದೇ ಬ್ಯಾಂಕ್ ಶಾಖೆಗಳಲ್ಲಿ ಎನ್‌ಆರ್‌ಒ ಖಾತೆ ತೆರೆಯುವ ಅವಕಾಶ ಇದೆ. ಅಲ್ಲದೆ, ನೀವು ಆ ಖಾತೆಗೆ ಜಂಟಿ ಖಾತೆದಾರರಾಗಬಹುದು ಹಾಗೂ ಖಾತೆಯನ್ನು ನಿರ್ವಹಿಸಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eಆದರೆ, ಯಾವುದೇ ಹಣ ವರ್ಗಾವಣೆ ಸಂದರ್ಭ ಬಂದಾದ ಸಮರ್ಪಕವಾದ ತೆರಿಗೆ ಕಡಿತ ಇತ್ಯಾದಿ ಮಾಡಲಾಗಿದೆಯೇ ಎಂಬ ಬಗ್ಗೆ ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಲು ಫಾರಂ 15ಸಿಎ\u002F15ಸಿಬಿ ನೀಡಬೇಕಾಗುತ್ತದೆ. ಈ ವಿಚಾರವನ್ನು ಗಮನದಲ್ಲಿಟ್ಟು ನೀವು ಸಮೀಪದ ಬ್ಯಾಂಕ್ ಶಾಖೆಗಳನ್ನು ಸಂಪರ್ಕಿಸಬಹುದು.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002Ff6bbb080-e0f1-4567-a299-759144811bac\u002Felement\u002Ffd8e4437-a766-442b-a247-2d7aec5395b0","type":"text","family-id":"006dec09-1ced-4fa4-aaec-0083b10eaf00","title":"","id":"fd8e4437-a766-442b-a247-2d7aec5395b0","metadata":{"content":"ಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ | ಹಣಕಾಸಿಗೆ ಸಂಬಂಧಿಸಿದ ಪ್ರಶ್ನೆಗಳನ್ನು ಪತ್ರದಲ್ಲಿ (ದೂರವಾಣಿ ಸಂಖ್ಯೆ ಸಹಿತ) ಬರೆದು ಕಳುಹಿಸಿ. ವಿಳಾಸ: ಪ್ರಶ್ನೋತ್ತರ, ವಾಣಿಜ್ಯ ವಿಭಾಗ, ಪ್ರಜಾವಾಣಿ, ನಂ.75, ಮಹಾತ್ಮ ಗಾಂಧಿ ರಸ್ತೆ, ಬೆಂಗಳೂರು–560001. ಇ–ಮೇಲ್‌: businessdesk@prajavani.co.in"},"subtype":"blurb","text":"\u003Cblockquote\u003Eಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ | ಹಣಕಾಸಿಗೆ ಸಂಬಂಧಿಸಿದ ಪ್ರಶ್ನೆಗಳನ್ನು ಪತ್ರದಲ್ಲಿ (ದೂರವಾಣಿ ಸಂಖ್ಯೆ ಸಹಿತ) ಬರೆದು ಕಳುಹಿಸಿ. ವಿಳಾಸ: ಪ್ರಶ್ನೋತ್ತರ, ವಾಣಿಜ್ಯ ವಿಭಾಗ, ಪ್ರಜಾವಾಣಿ, ನಂ.75, ಮಹಾತ್ಮ ಗಾಂಧಿ ರಸ್ತೆ, ಬೆಂಗಳೂರು–560001. ಇ–ಮೇಲ್‌: businessdesk@prajavani.co.in\u003C\u002Fblockquote\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1736873167954,"content-version-id":"26aa7665-69f6-4a7d-ac86-baee343097b8","card-added-at":1736872841583,"status":"draft","id":"5f10b359-8e2a-4e7c-9516-2b2e0c923d4f","content-id":"5f10b359-8e2a-4e7c-9516-2b2e0c923d4f","version":10,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ","message":null,"image":{"key":"prajavani\u002F2024-09-01\u002Fxyrwgepp\u002Finvestment_fraud1609704750.jpg","url":null,"attribution":null,"alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಹೂಡಿಕೆ–ಪ್ರಾತಿನಿಧಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"focus-point":[673,266],"width":1200,"height":675}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Ffinancial-tax-investment-share-market-assistance-by-experts-3125459","story-version-id":"01a2b7f0-f14b-48eb-b203-240823e63fcd","content-type":"story","content-updated-at":1736900999955,"author-id":1749710,"owner-id":1754432,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1736901000000,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಹೂಡಿಕೆ–ಪ್ರಾತಿನಿಧಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":10,"story-template":"text","sequence-no":null,"created-at":1736873167947,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"card-share":{"shareable":false}},"publish-at":1736901000000,"assignee-name":"ನಾಗರಾಜ್ ಬಿ."}},{"id":"71c224af-db71-4f61-b5b0-7df890cb967a","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ"]},"story":{"updated-at":1736296099006,"seo":{"meta-description":"ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ","meta-keywords":["Investment","Tax","Financial advice","Prashnottara"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ 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problems","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"original-url":"http:\u002F\u002Fdcxprod.tpml.in\u002Fdevice_dh\u002Foriginal5\u002F2022\u002F01-24\u002F28\u002Fd0\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","width":1280,"height":1280,"focus-point":[642,295]},"comments":null,"word-count":498,"story-features":null,"entities":{},"published-at":1736292106847,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"last-correction-published-at":1736296101200,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7yti08dyj741d2rmognh","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"71c224af-db71-4f61-b5b0-7df890cb967a","hero-image-s3-key":"prajavani\u002F2025-01-07\u002Fo7kedc06\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F71c224af-db71-4f61-b5b0-7df890cb967a\u002Felement\u002F140149f1-955f-42c9-baf7-5a14786e7f33","type":"text","family-id":"132141d8-0535-46f3-b938-09889564d8f1","title":"","id":"140149f1-955f-42c9-baf7-5a14786e7f33","metadata":{"content":"ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ"},"subtype":"blurb","text":"\u003Cblockquote\u003Eಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ\u003C\u002Fblockquote\u003E"},{"description":"","page-url":"\u002Fstory\u002F71c224af-db71-4f61-b5b0-7df890cb967a\u002Felement\u002F79f8df6e-7b4d-46bc-912d-2f61a1ad12f1","type":"text","family-id":"802ad24e-c6b6-413a-974b-ab1e4a6844db","title":"","id":"79f8df6e-7b4d-46bc-912d-2f61a1ad12f1","metadata":{"question":"\u003Cp\u003Eಪ್ರಶ್ನೆ: ನಾನು ಮಾಜಿ ಸೈನಿಕ. ಮಾಸಿಕ ₹33 ಸಾವಿರ ಪಿಂಚಣಿ ಪಡೆಯುತ್ತಿದ್ದೇನೆ. ಪ್ರಸ್ತುತ ಸರ್ಕಾರಿ ಉದ್ಯೋಗ ಹೊಂದಿದ್ದೇನೆ. ಇದರಿಂದ ಮಾಸಿಕ ವೇತನವಾಗಿ ₹43 ಸಾವಿರ ಬರುತ್ತಿದೆ. ದಯವಿಟ್ಟು ನನಗೆ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಮತ್ತು ಇತರೆ ಉತ್ತಮ ಹೂಡಿಕೆ ಅವಕಾಶಗಳ ಬಗ್ಗೆ ಸಲಹೆ ನೀಡಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಬಸವರಾಜ ಎಲ್., ಭದ್ರಾವತಿ, ಶಿವಮೊಗ್ಗ ಜಿಲ್ಲೆ.\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eಪ್ರಸ್ತುತ ನೀವು ಪಿಂಚಣಿ ಹಾಗೂ ಮಾಸಿಕ ವೇತನದಿಂದ ಒಟ್ಟಾರೆ ₹76 ಸಾವಿರ ಆದಾಯ ಗಳಿಸುತ್ತಿ ದ್ದೀರಿ. ನಿಮ್ಮ ಆದಾಯದ ಎಷ್ಟು ಪ್ರಮಾಣವನ್ನು ನೀವು ನಿಮ್ಮ ಉದ್ದೇಶಿತ ಹೂಡಿಕೆಗೆ ಪ್ರತ್ಯೇಕಿಸಿ ಇಡಲು ಸಾಧ್ಯ ಎನ್ನುವುದನ್ನು ಮೊದಲು ನಿರ್ಧರಿಸಿ. ಉದಾಹರಣೆಗೆ ನಿಮ್ಮ ವೈದ್ಯಕೀಯ ವೆಚ್ಚ, ವಿಮಾ ವೆಚ್ಚ, ಮಕ್ಕಳ ವಿದ್ಯಾಭ್ಯಾಸದ ವೆಚ್ಚ, ಮನೆ ನಿರ್ವಹಣೆ, ಇತರೆ ಯಾವುದೇ ವೆಚ್ಚ ಇದ್ದರೂ ಅದನ್ನು ಕಳೆದು ಉಳಿದ ಮೊತ್ತ ಏನೆಂಬುದನ್ನು ನಿರ್ಧರಿಸಿ. ಆ ಉಳಿದ ಮೊತ್ತವನ್ನು ಹೂಡಿಕೆಗೆ ಉಪಯೋಗಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಮುಂದಿನ ಕೆಲವು ವರ್ಷ ನೀವು ಹೂಡಿಕೆ ಮಾಡುವ ಮೊತ್ತವನ್ನು ಬೆಳೆಸುವ ಉದ್ದೇಶ ಹೊಂದಿರುವ ಕಾರಣ, ಸದ್ಯದ ಕೆಲವು ವರ್ಷ ನಿಮ್ಮ ದಿನವಹಿ ಅಗತ್ಯಕ್ಕೆ ಅದರ ಅಗತ್ಯ ಇಲ್ಲ ಎಂಬುದನ್ನು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಿ. ಏಕೆಂದರೆ, ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ದೀರ್ಘಾವಧಿ ಸಮಯಕ್ಕೆ ಹೂಡಿಕೆ ಮಾಡಿದಾಗಲೇ ಸಾಮಾನ್ಯ ಹೂಡಿಕೆಗಳಾದ ಬ್ಯಾಂಕ್ ಎಫ್‌.ಡಿಗಿಂತ ಹೆಚ್ಚಿನ ಲಾಭ ಬರುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಈಗಾಗಲೇ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಬಗ್ಗೆ ನಿರ್ಣಯಿಸಿದ್ದೀರಿ. ಅಲ್ಲದೆ, ಇತರೆ ಹೂಡಿಕೆಗಳಲ್ಲೂ ಆಸಕ್ತಿ ಹೊಂದಿದ್ದೀರಿ. ನಿಮ್ಮ ನಿವೃತ್ತಿಗಾಗಿ ಒಂದಿಷ್ಟು ಮೊತ್ತವನ್ನು ಪಿಂಚಣಿ ಫಂಡ್‌ಗಳಲ್ಲಿ ತೊಡಗಿಸಿ. ಉತ್ತಮ ಕಂಪನಿಯ ಷೇರುಗಳನ್ನು ಮಾರುಕಟ್ಟೆಯು ಇಳಿಕೆ ಹಂತದಲ್ಲಿದ್ದಾಗ ಖರೀದಿಸಿ. ಈ ಬಗ್ಗೆ ದಿನವಹಿ ಮಾಹಿತಿಗಾಗಿ ಸಾಮಾನ್ಯ ಅರಿವು ಪಡೆಯಲು ವಾಣಿಜ್ಯ ವಾರ್ತಾ ಪತ್ರಿಕೆ ಅಥವಾ ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡುವ ಮಾಧ್ಯಮಗಳನ್ನು ಗಮನಿಸುತ್ತಿರಿ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ನಿರ್ಧಾರ ಈ ಎಲ್ಲ ಹಂತಗಳಿಗಿಂತ ನಿರ್ಣಾಯಕ ವಾದುದು. ನೀವು ಹೆಚ್ಚಿನ ರಿಸ್ಕ್ ತೆಗೆದುಕೊಳ್ಳುವ ನಿರ್ಣಯ ಈಗಾಗಲೇ ತೆಗೆದುಕೊಂಡಿದ್ದರೆ ಈಕ್ವಿಟಿ ವಿಭಾಗದ ಹೂಡಿಕೆ ಗಳು ಉತ್ತಮ. ಈ ವರ್ಗದ ಹೂಡಿಕೆಗಳು ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಎಫ್‌.ಡಿಗಿಂತ ದುಪ್ಪಟ್ಟು ಲಾಭ ಗಳಿಸಿಕೊಟ್ಟಿವೆ. ಉಳಿದಂತೆ ಈಕ್ವಿಟಿ ಸೇವಿಂಗ್ಸ್ ಫಂಡ್ ದೀರ್ಘಾವ ಧಿಯಲ್ಲಿ ಸುಮಾರು ಶೇ 9ರಿಂದ ಶೇ 12ರಷ್ಟು ಲಾಭ ನೀಡಿದ ಉದಾಹರಣೆ ಇದೆ. ಈ ಬಗ್ಗೆ ಹೆಚ್ಚಿನ ಅರಿವು ಹೊಂದಿ ಹೂಡಿಕೆ ಮಾಡಿ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eಪ್ರಶ್ನೆ: ನಾನು ಮಾಜಿ ಸೈನಿಕ. ಮಾಸಿಕ ₹33 ಸಾವಿರ ಪಿಂಚಣಿ ಪಡೆಯುತ್ತಿದ್ದೇನೆ. ಪ್ರಸ್ತುತ ಸರ್ಕಾರಿ ಉದ್ಯೋಗ ಹೊಂದಿದ್ದೇನೆ. ಇದರಿಂದ ಮಾಸಿಕ ವೇತನವಾಗಿ ₹43 ಸಾವಿರ ಬರುತ್ತಿದೆ. ದಯವಿಟ್ಟು ನನಗೆ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಮತ್ತು ಇತರೆ ಉತ್ತಮ ಹೂಡಿಕೆ ಅವಕಾಶಗಳ ಬಗ್ಗೆ ಸಲಹೆ ನೀಡಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಬಸವರಾಜ ಎಲ್., ಭದ್ರಾವತಿ, ಶಿವಮೊಗ್ಗ ಜಿಲ್ಲೆ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eಪ್ರಸ್ತುತ ನೀವು ಪಿಂಚಣಿ ಹಾಗೂ ಮಾಸಿಕ ವೇತನದಿಂದ ಒಟ್ಟಾರೆ ₹76 ಸಾವಿರ ಆದಾಯ ಗಳಿಸುತ್ತಿ ದ್ದೀರಿ. ನಿಮ್ಮ ಆದಾಯದ ಎಷ್ಟು ಪ್ರಮಾಣವನ್ನು ನೀವು ನಿಮ್ಮ ಉದ್ದೇಶಿತ ಹೂಡಿಕೆಗೆ ಪ್ರತ್ಯೇಕಿಸಿ ಇಡಲು ಸಾಧ್ಯ ಎನ್ನುವುದನ್ನು ಮೊದಲು ನಿರ್ಧರಿಸಿ. ಉದಾಹರಣೆಗೆ ನಿಮ್ಮ ವೈದ್ಯಕೀಯ ವೆಚ್ಚ, ವಿಮಾ ವೆಚ್ಚ, ಮಕ್ಕಳ ವಿದ್ಯಾಭ್ಯಾಸದ ವೆಚ್ಚ, ಮನೆ ನಿರ್ವಹಣೆ, ಇತರೆ ಯಾವುದೇ ವೆಚ್ಚ ಇದ್ದರೂ ಅದನ್ನು ಕಳೆದು ಉಳಿದ ಮೊತ್ತ ಏನೆಂಬುದನ್ನು ನಿರ್ಧರಿಸಿ. ಆ ಉಳಿದ ಮೊತ್ತವನ್ನು ಹೂಡಿಕೆಗೆ ಉಪಯೋಗಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಮುಂದಿನ ಕೆಲವು ವರ್ಷ ನೀವು ಹೂಡಿಕೆ ಮಾಡುವ ಮೊತ್ತವನ್ನು ಬೆಳೆಸುವ ಉದ್ದೇಶ ಹೊಂದಿರುವ ಕಾರಣ, ಸದ್ಯದ ಕೆಲವು ವರ್ಷ ನಿಮ್ಮ ದಿನವಹಿ ಅಗತ್ಯಕ್ಕೆ ಅದರ ಅಗತ್ಯ ಇಲ್ಲ ಎಂಬುದನ್ನು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಿ. ಏಕೆಂದರೆ, ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ದೀರ್ಘಾವಧಿ ಸಮಯಕ್ಕೆ ಹೂಡಿಕೆ ಮಾಡಿದಾಗಲೇ ಸಾಮಾನ್ಯ ಹೂಡಿಕೆಗಳಾದ ಬ್ಯಾಂಕ್ ಎಫ್‌.ಡಿಗಿಂತ ಹೆಚ್ಚಿನ ಲಾಭ ಬರುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಈಗಾಗಲೇ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಬಗ್ಗೆ ನಿರ್ಣಯಿಸಿದ್ದೀರಿ. ಅಲ್ಲದೆ, ಇತರೆ ಹೂಡಿಕೆಗಳಲ್ಲೂ ಆಸಕ್ತಿ ಹೊಂದಿದ್ದೀರಿ. ನಿಮ್ಮ ನಿವೃತ್ತಿಗಾಗಿ ಒಂದಿಷ್ಟು ಮೊತ್ತವನ್ನು ಪಿಂಚಣಿ ಫಂಡ್‌ಗಳಲ್ಲಿ ತೊಡಗಿಸಿ. ಉತ್ತಮ ಕಂಪನಿಯ ಷೇರುಗಳನ್ನು ಮಾರುಕಟ್ಟೆಯು ಇಳಿಕೆ ಹಂತದಲ್ಲಿದ್ದಾಗ ಖರೀದಿಸಿ. ಈ ಬಗ್ಗೆ ದಿನವಹಿ ಮಾಹಿತಿಗಾಗಿ ಸಾಮಾನ್ಯ ಅರಿವು ಪಡೆಯಲು ವಾಣಿಜ್ಯ ವಾರ್ತಾ ಪತ್ರಿಕೆ ಅಥವಾ ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡುವ ಮಾಧ್ಯಮಗಳನ್ನು ಗಮನಿಸುತ್ತಿರಿ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ನಿರ್ಧಾರ ಈ ಎಲ್ಲ ಹಂತಗಳಿಗಿಂತ ನಿರ್ಣಾಯಕ ವಾದುದು. ನೀವು ಹೆಚ್ಚಿನ ರಿಸ್ಕ್ ತೆಗೆದುಕೊಳ್ಳುವ ನಿರ್ಣಯ ಈಗಾಗಲೇ ತೆಗೆದುಕೊಂಡಿದ್ದರೆ ಈಕ್ವಿಟಿ ವಿಭಾಗದ ಹೂಡಿಕೆ ಗಳು ಉತ್ತಮ. ಈ ವರ್ಗದ ಹೂಡಿಕೆಗಳು ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಎಫ್‌.ಡಿಗಿಂತ ದುಪ್ಪಟ್ಟು ಲಾಭ ಗಳಿಸಿಕೊಟ್ಟಿವೆ. ಉಳಿದಂತೆ ಈಕ್ವಿಟಿ ಸೇವಿಂಗ್ಸ್ ಫಂಡ್ ದೀರ್ಘಾವ ಧಿಯಲ್ಲಿ ಸುಮಾರು ಶೇ 9ರಿಂದ ಶೇ 12ರಷ್ಟು ಲಾಭ ನೀಡಿದ ಉದಾಹರಣೆ ಇದೆ. ಈ ಬಗ್ಗೆ ಹೆಚ್ಚಿನ ಅರಿವು ಹೊಂದಿ ಹೂಡಿಕೆ ಮಾಡಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F71c224af-db71-4f61-b5b0-7df890cb967a\u002Felement\u002F7f4fa843-af1b-4042-a466-f1b8bf82d96e","type":"text","family-id":"5965404e-ae20-4a23-b10d-4361822cad31","title":"","id":"7f4fa843-af1b-4042-a466-f1b8bf82d96e","metadata":{"question":"\u003Cp\u003Eನನ್ನ ಪತ್ನಿ ಸಾರ್ವಜನಿಕ ವಲಯದ ಸಂಸ್ಥೆಯಲ್ಲಿ ಕೆಲಸ ಮಾಡುತ್ತಿದ್ದಾರೆ. ಶೇ 30ರ ತೆರಿಗೆ ಶ್ರೇಣಿಗೆ ಸೇರಿದ್ದಾರೆ. ಅವರ ಹೆಸರಿನಲ್ಲಿ ಒಂದು ಮನೆ ಇದೆ. ಈಗ ಅದನ್ನು ತಿಂಗಳಿಗೆ ₹25 ಸಾವಿರಕ್ಕೆ ಬಾಡಿಗೆಗೆ ನೀಡಿದ್ದಾರೆ. ಈ ಸಂಬಂಧ ಕೆಳಗಿನ ಪ್ರಶ್ನೆಗಳಿಗೆ ಉತ್ತರಿಸಲು ಕೋರುತ್ತೇನೆ.\u003C\u002Fp\u003E\u003Cp\u003E\u003C\u002Fp\u003E\u003Cp\u003Eಈ ಬಾಡಿಗೆಯನ್ನು ಅವರ ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್‌ನಲ್ಲಿ ಬಾಡಿಗೆ ಆದಾಯವಾಗಿ ವರದಿ ಮಾಡುವುದು ಕಡ್ಡಾಯವೇ? ಬಾಡಿಗೆ ಮೊತ್ತದಲ್ಲಿ ಆಸ್ತಿ ಮತ್ತು ಇತರೆ ತೆರಿಗೆಗಳನ್ನು ಕಡಿತಗೊಳಿಸಿ ತೋರಿಸಬಹುದೆ? ಈ ಬಾಡಿಗೆ ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ಕಡಿತ ಅನ್ವಯಿಸುತ್ತದೆಯೇ? ಹೌದಾದರೆ ಮೂಲದಲ್ಲಿ ಆದಾಯ ತೆರಿಗೆ ಕಡಿತಗೊಳಿಸುವುದಕ್ಕೆ ಏನಾದರೂ ಮಿತಿಯಿದೆಯೇ?\u003C\u002Fp\u003E\u003Cp\u003E\u003C\u002Fp\u003E\u003Cp\u003E\u003C\u002Fp\u003E\u003Cp\u003Eತೆರಿಗೆ ಕಡಿತ ಅನ್ವಯಿಸಿದರೆ ಅದನ್ನು ಕಡಿತಗೊಳಿಸುವ ಜವಾಬ್ದಾರಿ ಬಾಡಿಗೆದಾರನದೇ ಅಥವಾ ಮಾಲೀಕರದೆ? ತೆರಿಗೆ ಕಡಿತ ರಿಟರ್ನ್ಸ್‌ಗಳನ್ನು ಪ್ರತಿ ತಿಂಗಳು ಸಲ್ಲಿಸಬೇಕೆ? ಬಾಡಿಗೆದಾರ ಮತ್ತು ಮಾಲೀಕರಿಗೆ ಒಂದೇ ರೀತಿಯ ಫಾರ್ಮ್ ಅನ್ವಯಿಸುತ್ತದೆಯೇ? ಬಾಡಿಗೆದಾರರು ತೆರಿಗೆ ಕಡಿತ ಮಾಡಿದ ಮೊತ್ತವನ್ನು ಸಕಾಲದಲ್ಲಿ ಪಾವತಿಸದಿದ್ದರೆ ಮಾಲೀಕರಿಗಿರುವ ಆಯ್ಕೆಗಳೇನು? ಈ ಬಾಡಿಗೆ ಆದಾಯಕ್ಕೆ ಸ್ಟ್ಯಾಂಡರ್ಡ್ ಡಿಡಕ್ಷನ್ ಅನ್ವಯವಾಗುತ್ತದೆಯೇ?\u003C\u002Fp\u003E\u003Cp\u003Eಮಹೇಶ್, ಬೆಂಗಳೂರು. \u003C\u002Fp\u003E","answer":"\u003Cp\u003E\u003C\u002Fp\u003E\u003Cp\u003Eಉತ್ತರ: ನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ ನಿಮ್ಮ ಪತ್ನಿ ಹೆಸರಿನಲ್ಲಿರುವ ಮನೆಯ ಒಟ್ಟು ವಾರ್ಷಿಕ ಬಾಡಿಗೆ ಮೊತ್ತ ₹3 ಲಕ್ಷ. ಅಲ್ಲದೆ ನಿಮ್ಮ ಪತ್ನಿ ವೇತನ ಆದಾಯವನ್ನೂ ಪಡೆಯುತ್ತಿದ್ದಾರೆ. ಈ ಎರಡೂ ಆದಾಯ ಸೇರಿ ಒಟ್ಟು ಆದಾಯದ ಮೇಲೆ ಸಂಬಂಧಿತ ವಿನಾಯಿತಿ ಅನ್ವಯವಾದಲ್ಲಿ ಅದನ್ನು ಕಳೆದು ಉಳಿದ ಮೊತ್ತದ ಮೇಲೆ ತೆರಿಗೆ ನಿರ್ಣಯವಾಗುತ್ತದೆ. ಬಾಡಿಗೆ ಆದಾಯ ಹಾಗೂ ವೇತನ ಆದಾಯ ವೈಯಕ್ತಿಕ ತೆರಿಗೆ ದರದ ಶ್ರೇಣಿಯಲ್ಲಿ ತೆರಿಗೆಗೊಳಪಡುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಬಾಡಿಗೆ ಆದಾಯದ ಮೇಲಿನ ತೆರಿಗೆ ಕಡಿತದ ಬಗ್ಗೆ ಪ್ರಮುಖವಾಗಿ ಕೇಳಿದ್ದೀರಿ. ಆದಾಯ ತೆರಿಗೆ ಸೆಕ್ಷನ್ 194 ಐಬಿ ಪ್ರಕಾರ ತಿಂಗಳ ಬಾಡಿಗೆ ₹50 ಸಾವಿರ ಮೀರಿದಾಗ ಬಾಡಿಗೆದಾರ ಶೇ 5ರ ದರದಲ್ಲಿ ತೆರಿಗೆ ಕಡಿತಗೊಳಿಸಿ ಆ ಮೊತ್ತವನ್ನು ಪಾವತಿಸಬೇಕಾಗುತ್ತದೆ. ಮೊತ್ತವನ್ನು ಮನೆಯ ಮಾಲೀಕನಿಗೆ ಪಾವತಿಸಿರುವ ಬಗೆಗಿನ ಮಾಹಿತಿಯನ್ನು ಸರ್ಕಾರಕ್ಕೆ ‘ಫಾರಂ 26 ಕ್ಯೂಸಿ’ಯನ್ನು ಪ್ರತಿ ತಿಂಗಳು ಸಲ್ಲಿಸಬೇಕು.\u003C\u002Fp\u003E\u003Cp\u003Eಇಲ್ಲಿ ಗಮನಿಸಬೇಕಾದ ಇನ್ನೊಂದು ಪ್ರಮುಖ ವಿಚಾರವೆಂದರೆ ಈ ತಿಂಗಳ ಬಾಡಿಗೆ ಮಿತಿ ಒಟ್ಟಾರೆಯಾಗಿ ವಾಸದ ಒಂದು ಮನೆಗಿರುವ ಮಿತಿಯಲ್ಲ. ಬದಲಾಗಿ ಪ್ರತ್ಯೇಕ ಪಾವತಿದಾರನಿಗೆ ಸಂಬಂಧಿಸಿದ ಮಿತಿಯಾಗಿದೆ. ಹೀಗಾಗಿ, ಒಂದೇ ಮನೆಯಲ್ಲಿ ಇಬ್ಬರು ವಾಸಿಸಿ ಪ್ರತ್ಯೇಕವಾಗಿ ಬಾಡಿಗೆ ಪಾವತಿಸುವುದಿದ್ದರೆ ಒಬ್ಬ ವ್ಯಕ್ತಿ ವೈಯಕ್ತಿಕವಾಗಿ ₹50 ಸಾವಿರ ಮಿತಿ ಮೀರಿ ಬಾಡಿಗೆ ಪಾವತಿಸುವುದಿದ್ದರೆ ಮಾತ್ರ ಈ ತೆರಿಗೆ ಕಡಿತ ಅಗತ್ಯ.\u003C\u002Fp\u003E\u003Cp\u003Eಪ್ರಸ್ತುತ ನಿಮ್ಮ ತಿಂಗಳ ಬಾಡಿಗೆ ಮೊತ್ತ ₹25 ಸಾವಿರ ಆಗಿರುವುದರಿಂದ ಈ ವಿಚಾರದಲ್ಲಿ ಯಾವುದೇ ಸಮಸ್ಯೆ ಇಲ್ಲ. ಬಾಡಿಗೆ ಆದಾಯದ ತೆರಿಗೆ ನಿರ್ಣಯಿಸುವಾಗ ಆಸ್ತಿ ತೆರಿಗೆ ಕಳೆದು ಉಳಿದ ಮೊತ್ತದ ಮೇಲೆ ಶೇ 30ರ ಸ್ಟ್ಯಾಂಡರ್ಡ್ ಡಿಡಕ್ಷನ್ ಸಿಗುತ್ತದೆ. ಉಳಿದ ಮೊತ್ತ ತೆರಿಗೆಗೆ ಒಳಪಡುತ್ತದೆ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನನ್ನ ಪತ್ನಿ ಸಾರ್ವಜನಿಕ ವಲಯದ ಸಂಸ್ಥೆಯಲ್ಲಿ ಕೆಲಸ ಮಾಡುತ್ತಿದ್ದಾರೆ. ಶೇ 30ರ ತೆರಿಗೆ ಶ್ರೇಣಿಗೆ ಸೇರಿದ್ದಾರೆ. ಅವರ ಹೆಸರಿನಲ್ಲಿ ಒಂದು ಮನೆ ಇದೆ. ಈಗ ಅದನ್ನು ತಿಂಗಳಿಗೆ ₹25 ಸಾವಿರಕ್ಕೆ ಬಾಡಿಗೆಗೆ ನೀಡಿದ್ದಾರೆ. ಈ ಸಂಬಂಧ ಕೆಳಗಿನ ಪ್ರಶ್ನೆಗಳಿಗೆ ಉತ್ತರಿಸಲು ಕೋರುತ್ತೇನೆ.\u003C\u002Fp\u003E \u003Cp\u003Eಈ ಬಾಡಿಗೆಯನ್ನು ಅವರ ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್‌ನಲ್ಲಿ ಬಾಡಿಗೆ ಆದಾಯವಾಗಿ ವರದಿ ಮಾಡುವುದು ಕಡ್ಡಾಯವೇ? ಬಾಡಿಗೆ ಮೊತ್ತದಲ್ಲಿ ಆಸ್ತಿ ಮತ್ತು ಇತರೆ ತೆರಿಗೆಗಳನ್ನು ಕಡಿತಗೊಳಿಸಿ ತೋರಿಸಬಹುದೆ? ಈ ಬಾಡಿಗೆ ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ಕಡಿತ ಅನ್ವಯಿಸುತ್ತದೆಯೇ? ಹೌದಾದರೆ ಮೂಲದಲ್ಲಿ ಆದಾಯ ತೆರಿಗೆ ಕಡಿತಗೊಳಿಸುವುದಕ್ಕೆ ಏನಾದರೂ ಮಿತಿಯಿದೆಯೇ?\u003C\u002Fp\u003E \u003Cp\u003Eತೆರಿಗೆ ಕಡಿತ ಅನ್ವಯಿಸಿದರೆ ಅದನ್ನು ಕಡಿತಗೊಳಿಸುವ ಜವಾಬ್ದಾರಿ ಬಾಡಿಗೆದಾರನದೇ ಅಥವಾ ಮಾಲೀಕರದೆ? ತೆರಿಗೆ ಕಡಿತ ರಿಟರ್ನ್ಸ್‌ಗಳನ್ನು ಪ್ರತಿ ತಿಂಗಳು ಸಲ್ಲಿಸಬೇಕೆ? ಬಾಡಿಗೆದಾರ ಮತ್ತು ಮಾಲೀಕರಿಗೆ ಒಂದೇ ರೀತಿಯ ಫಾರ್ಮ್ ಅನ್ವಯಿಸುತ್ತದೆಯೇ? ಬಾಡಿಗೆದಾರರು ತೆರಿಗೆ ಕಡಿತ ಮಾಡಿದ ಮೊತ್ತವನ್ನು ಸಕಾಲದಲ್ಲಿ ಪಾವತಿಸದಿದ್ದರೆ ಮಾಲೀಕರಿಗಿರುವ ಆಯ್ಕೆಗಳೇನು? ಈ ಬಾಡಿಗೆ ಆದಾಯಕ್ಕೆ ಸ್ಟ್ಯಾಂಡರ್ಡ್ ಡಿಡಕ್ಷನ್ ಅನ್ವಯವಾಗುತ್ತದೆಯೇ?\u003C\u002Fp\u003E\u003Cp\u003Eಮಹೇಶ್, ಬೆಂಗಳೂರು. \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E \u003Cp\u003Eಉತ್ತರ: ನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ ನಿಮ್ಮ ಪತ್ನಿ ಹೆಸರಿನಲ್ಲಿರುವ ಮನೆಯ ಒಟ್ಟು ವಾರ್ಷಿಕ ಬಾಡಿಗೆ ಮೊತ್ತ ₹3 ಲಕ್ಷ. ಅಲ್ಲದೆ ನಿಮ್ಮ ಪತ್ನಿ ವೇತನ ಆದಾಯವನ್ನೂ ಪಡೆಯುತ್ತಿದ್ದಾರೆ. ಈ ಎರಡೂ ಆದಾಯ ಸೇರಿ ಒಟ್ಟು ಆದಾಯದ ಮೇಲೆ ಸಂಬಂಧಿತ ವಿನಾಯಿತಿ ಅನ್ವಯವಾದಲ್ಲಿ ಅದನ್ನು ಕಳೆದು ಉಳಿದ ಮೊತ್ತದ ಮೇಲೆ ತೆರಿಗೆ ನಿರ್ಣಯವಾಗುತ್ತದೆ. ಬಾಡಿಗೆ ಆದಾಯ ಹಾಗೂ ವೇತನ ಆದಾಯ ವೈಯಕ್ತಿಕ ತೆರಿಗೆ ದರದ ಶ್ರೇಣಿಯಲ್ಲಿ ತೆರಿಗೆಗೊಳಪಡುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಬಾಡಿಗೆ ಆದಾಯದ ಮೇಲಿನ ತೆರಿಗೆ ಕಡಿತದ ಬಗ್ಗೆ ಪ್ರಮುಖವಾಗಿ ಕೇಳಿದ್ದೀರಿ. ಆದಾಯ ತೆರಿಗೆ ಸೆಕ್ಷನ್ 194 ಐಬಿ ಪ್ರಕಾರ ತಿಂಗಳ ಬಾಡಿಗೆ ₹50 ಸಾವಿರ ಮೀರಿದಾಗ ಬಾಡಿಗೆದಾರ ಶೇ 5ರ ದರದಲ್ಲಿ ತೆರಿಗೆ ಕಡಿತಗೊಳಿಸಿ ಆ ಮೊತ್ತವನ್ನು ಪಾವತಿಸಬೇಕಾಗುತ್ತದೆ. ಮೊತ್ತವನ್ನು ಮನೆಯ ಮಾಲೀಕನಿಗೆ ಪಾವತಿಸಿರುವ ಬಗೆಗಿನ ಮಾಹಿತಿಯನ್ನು ಸರ್ಕಾರಕ್ಕೆ ‘ಫಾರಂ 26 ಕ್ಯೂಸಿ’ಯನ್ನು ಪ್ರತಿ ತಿಂಗಳು ಸಲ್ಲಿಸಬೇಕು.\u003C\u002Fp\u003E\u003Cp\u003Eಇಲ್ಲಿ ಗಮನಿಸಬೇಕಾದ ಇನ್ನೊಂದು ಪ್ರಮುಖ ವಿಚಾರವೆಂದರೆ ಈ ತಿಂಗಳ ಬಾಡಿಗೆ ಮಿತಿ ಒಟ್ಟಾರೆಯಾಗಿ ವಾಸದ ಒಂದು ಮನೆಗಿರುವ ಮಿತಿಯಲ್ಲ. ಬದಲಾಗಿ ಪ್ರತ್ಯೇಕ ಪಾವತಿದಾರನಿಗೆ ಸಂಬಂಧಿಸಿದ ಮಿತಿಯಾಗಿದೆ. ಹೀಗಾಗಿ, ಒಂದೇ ಮನೆಯಲ್ಲಿ ಇಬ್ಬರು ವಾಸಿಸಿ ಪ್ರತ್ಯೇಕವಾಗಿ ಬಾಡಿಗೆ ಪಾವತಿಸುವುದಿದ್ದರೆ ಒಬ್ಬ ವ್ಯಕ್ತಿ ವೈಯಕ್ತಿಕವಾಗಿ ₹50 ಸಾವಿರ ಮಿತಿ ಮೀರಿ ಬಾಡಿಗೆ ಪಾವತಿಸುವುದಿದ್ದರೆ ಮಾತ್ರ ಈ ತೆರಿಗೆ ಕಡಿತ ಅಗತ್ಯ.\u003C\u002Fp\u003E\u003Cp\u003Eಪ್ರಸ್ತುತ ನಿಮ್ಮ ತಿಂಗಳ ಬಾಡಿಗೆ ಮೊತ್ತ ₹25 ಸಾವಿರ ಆಗಿರುವುದರಿಂದ ಈ ವಿಚಾರದಲ್ಲಿ ಯಾವುದೇ ಸಮಸ್ಯೆ ಇಲ್ಲ. ಬಾಡಿಗೆ ಆದಾಯದ ತೆರಿಗೆ ನಿರ್ಣಯಿಸುವಾಗ ಆಸ್ತಿ ತೆರಿಗೆ ಕಳೆದು ಉಳಿದ ಮೊತ್ತದ ಮೇಲೆ ಶೇ 30ರ ಸ್ಟ್ಯಾಂಡರ್ಡ್ ಡಿಡಕ್ಷನ್ ಸಿಗುತ್ತದೆ. ಉಳಿದ ಮೊತ್ತ ತೆರಿಗೆಗೆ ಒಳಪಡುತ್ತದೆ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F71c224af-db71-4f61-b5b0-7df890cb967a\u002Felement\u002F6ee81a95-2a6f-4913-be17-754ca0a95b30","type":"text","family-id":"405a7624-50ce-4750-b884-9d2c749f69c6","title":"","id":"6ee81a95-2a6f-4913-be17-754ca0a95b30","metadata":{},"subtype":null,"text":"\u003Ch2\u003E\u003Cstrong\u003Eಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003Eಹಣಕಾಸಿಗೆ ಸಂಬಂಧಿಸಿದ ಪ್ರಶ್ನೆಗಳನ್ನು ಪತ್ರದಲ್ಲಿ (ದೂರವಾಣಿ ಸಂಖ್ಯೆ ಸಹಿತ) ಬರೆದು ಕಳುಹಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eವಿಳಾಸ: ಪ್ರಶ್ನೋತ್ತರ, ವಾಣಿಜ್ಯ ವಿಭಾಗ, ಪ್ರಜಾವಾಣಿ, ನಂ.75, ಮಹಾತ್ಮ ಗಾಂಧಿ ರಸ್ತೆ, ಬೆಂಗಳೂರು–560001. ಇ–ಮೇಲ್‌: businessdesk@prajavani.co.in\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1736296097956,"content-version-id":"475af16d-9378-44e5-9d5c-dce6d9155dcb","card-added-at":1736246110861,"status":"draft","id":"f8b3c0c4-33de-4c9f-b336-d0394caa8703","content-id":"f8b3c0c4-33de-4c9f-b336-d0394caa8703","version":12,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2025-01-07\u002Fo7kedc06\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","url":null,"attribution":null,"alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003E\u003Cem\u003Eಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ ತೆರಿಗೆ ಮತ್ತು ವೈಯಕ್ತಿಕ ಹಣಕಾಸು ತಜ್ಞ\u003C\u002Fem\u003E\u003C\u002Fp\u003E\u003Cp\u003E\u003Cbr\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"original-url":"http:\u002F\u002Fdcxprod.tpml.in\u002Fdevice_dh\u002Foriginal5\u002F2022\u002F01-24\u002F28\u002Fd0\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","width":1280,"height":1280,"focus-point":[642,295]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fexpert-answers-to-questions-related-to-financial-investment-financial-problems-3-3115136","story-version-id":"561fcf02-1688-402b-ae86-3907fdeb06e1","content-type":"story","content-updated-at":1736296101204,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1736292106847,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003E\u003Cem\u003Eಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ ತೆರಿಗೆ ಮತ್ತು ವೈಯಕ್ತಿಕ ಹಣಕಾಸು ತಜ್ಞ\u003C\u002Fem\u003E\u003C\u002Fp\u003E\u003Cp\u003E\u003Cbr\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":15,"story-template":"syndicated","sequence-no":null,"created-at":1736296097947,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ 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market","meta-description":null,"meta-title":null,"slug":"stock-market","tag-type":"Tag"},{"id":5510710,"name":"Investment","meta-description":null,"meta-title":null,"slug":"investment","tag-type":"Tag"},{"id":5510997,"name":"Tax","meta-description":null,"meta-title":null,"slug":"tax","tag-type":"Tag"},{"id":5511068,"name":"Share Market","meta-description":null,"meta-title":null,"slug":"share-market","tag-type":"Tag"},{"id":5514883,"name":"Financial advice","meta-description":null,"meta-title":null,"slug":"financial-advice","tag-type":"Tag"},{"id":5515228,"name":"investments","meta-description":null,"meta-title":null,"slug":"investments","tag-type":"Tag"},{"id":5521441,"name":"Prashnottara","meta-description":null,"meta-title":null,"slug":"prashnottara","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ","storyline-id":null,"votes":{},"story-content-id":"0bf67779-9975-4936-95f3-0218ae302ca6","slug":"business\u002Fprashnottara\u002Fexpert-answers-to-questions-related-to-financial-investment-financial-problems-2-3107346","last-published-at":1735687800000,"public-identifier":"3107346","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":3,"access-level-value":null,"content-created-at":1735641916063,"is-embargoed":false,"owner-name":"syndication","custom-slug":"expert answers to questions related to financial investment financial problems","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"original-url":"http:\u002F\u002Fdcxprod.tpml.in\u002Fdevice_dh\u002Foriginal5\u002F2022\u002F01-24\u002F28\u002Fd0\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","width":1280,"height":1280,"focus-point":[644,292]},"comments":null,"word-count":554,"story-features":null,"entities":{},"published-at":1735687800000,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7ypwhsvnr5cj8exgisv","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"0bf67779-9975-4936-95f3-0218ae302ca6","hero-image-s3-key":"prajavani\u002F2024-12-31\u002Feya5pmjr\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F0bf67779-9975-4936-95f3-0218ae302ca6\u002Felement\u002Fced5301f-da6f-4a82-9126-7891a3b8cba5","type":"text","family-id":"f56d0587-38f4-4992-80e2-94b89fcd8f7a","title":"","id":"ced5301f-da6f-4a82-9126-7891a3b8cba5","metadata":{"question":"\u003Cp\u003Eನಾನು ಬ್ಯಾಂಕ್ ಅಥವಾ ಹಣಕಾಸು ಸಂಸ್ಥೆಗಳಿಂದ ವೈಯಕ್ತಿಕ ಸಾಲ ಪಡೆಯಬೇಕೆಂದಿದ್ದೇನೆ. ನನ್ನ ಮಿತ್ರರ ಜೊತೆ ಇತ್ತೀಚೆಗೆ ಮಾತುಕತೆ ನಡೆಸುತ್ತಿದ್ದಾಗ  ಪದೇ ಪದೇ ಸಿಬಿಲ್ ಸ್ಕೋರ್ ಬಗೆಗಿನ ಮಾಹಿತಿ ಅನ್ವೇಷಿಸುತ್ತಿದ್ದರೆ ನಮ್ಮ ಒಟ್ಟಾರೆ ಕ್ರೆಡಿಟ್ ಸ್ಕೋರ್ ಕಡಿಮೆ ಆಗುತ್ತದೆ ಎಂದು ಹೇಳಿದರು. ಈ ವಿಚಾರ ಸರಿಯೇ. ನಮ್ಮ ಕ್ರೆಡಿಟ್ ಸ್ಕೋರ್ ಬಗ್ಗೆ ತಿಳಿದು ಸರಿಪಡಿಸಿಕೊಳ್ಳಲು ನಮಗೆ ಅವಕಾಶ ಇಲ್ಲದಿದ್ದರೆ ಹೇಗೆ? ಈ ಬಗ್ಗೆ ಸಾಲ ಸಿಗಬಹುದೇ ಇಲ್ಲವೇ ಎಂಬ ಬಗ್ಗೆ ಆತಂಕ ಇದೆ? ಇದು ಖಾಸಗಿ ಸಂಸ್ಥೆ ನೀಡುವ ಮೌಲ್ಯಾಂಕ ಆದ ಕಾರಣ ಇದನ್ನು ನಾವು ಪರಿಗಣಿಸಬೇಕೆ ಹಾಗೂ ಈ ಸಂಸ್ಥೆಗೆ ಮಾನ್ಯತೆ ಇದಯೇ?\u003C\u002Fp\u003E\u003Cp\u003E-ನಯನಾ ಶ್ರೀನಿವಾಸ್, ಶಿವಮೊಗ್ಗ.\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eಈ ಹಿಂದೆ ಕ್ರೆಡಿಟ್ ಇನ್ಫಾರ್ಮೇಷನ್‌ ಬ್ಯೂರೊ (ಇಂಡಿಯಾ) ಲಿಮಿಟೆಡ್ ಎಂದು ಕರೆಯಲ್ಪಡುತ್ತಿದ್ದ ಇಂದಿನ ಸಿಬಿಲ್ ಲಿಮಿಟೆಡ್ ಸಂಸ್ಥೆ ‘ಸಿಬಿಲ್ ಸ್ಕೋರ್’ ಎನ್ನುವ ರೇಟಿಂಗ್ ನೀಡುತ್ತಾ ಬಂದಿದೆ. ಇದು ವೈಯಕ್ತಿಕ ಆರ್ಥಿಕ ಕ್ಷಮತೆಯ ಮಾಹಿತಿ ನೀಡುತ್ತದೆ. ಇದು ಹೆಚ್ಚಿದ್ದಷ್ಟು ಉತ್ತಮ. ಇದು ಭಾರತೀಯ ರಿಸರ್ವ್‌ ಬ್ಯಾಂಕ್‌ನ ಅಧಿಕೃತ ಮಾನ್ಯತೆ ಮೇರೆಗೆ ಸಾಲಗಾರರ ಬಗ್ಗೆ ಮಾಹಿತಿ ಸಂಗ್ರಹಿಸುವ ಹಾಗೂ ಅಗತ್ಯವುಳ್ಳವರಿಗೆ ಮಾಹಿತಿ ನೀಡುವ ಅಧಿಕಾರ ಹೊಂದಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಬ್ಯಾಂಕ್ ಹಾಗೂ ಸಾಲ ನೀಡುವ ಯಾವುದೇ ಸಂಸ್ಥೆಗೆ ಸಾಲಗಾರನ ಆರ್ಥಿಕ ಸಾಮರ್ಥ್ಯ ಅರಿತು ಸಾಲ ನೀಡಬೇಕು. ಸಂಭಾವ್ಯ ಆರ್ಥಿಕ ವಂಚನೆಗಳನ್ನು ತಪ್ಪಿಸಬೇಕೆನ್ನುವುದು ಇದರ ಉದ್ದೇಶ.\u003C\u002Fp\u003E\u003Cp\u003Eಹೀಗಾಗಿ ಈ ಸಂಸ್ಥೆಯ ಬಗ್ಗೆ ಅನಗತ್ಯ ಸಂದೇಹ ಬೇಡ ಹಾಗೂ ಇದು ಯಾವುದೇ ಸಾಲ ಪಡೆಯುವಾಗ ವೈಯಕ್ತಿಕ ಸಾಲಗಾರರಲ್ಲಿ ಕೇಳುವ ಅಥವಾ ಅವರ ಬಗ್ಗೆ ಅನ್ವೇಷಿಸುವ ಮೊದಲ ಮಾಹಿತಿಯಾಗಿದೆ. ಎಲ್ಲ ಬ್ಯಾಂಕ್ ಹಾಗೂ ಸಾಲ ವಿತರಿಸುವ ಸಂಸ್ಥೆಗಳು ಇದರ ಸದಸ್ಯರಾದ ಕಾರಣ ಸಾಲದ ಸುರಕ್ಷತೆ ಹಾಗೂ ಸಾಲಕ್ಕೆ ಸಂಬಂಧಿಸಿದ ಆರ್ಥಿಕ ಚಟುವಟಿಕೆಗಳ ಮೇಲೆ ನಿಗಾ ಇಟ್ಟು 300ರಿಂದ ಗರಿಷ್ಠ 900ರ ತನಕ ಇರುವ ಮೌಲ್ಯಾಂಕ ನೀಡಲಾಗುತ್ತದೆ.  \u003C\u002Fp\u003E\u003Cp\u003Eಸ್ವತಃ ನಮ್ಮ ಅಂಕ ಪರಿಶೀಲಿಸುವುದಕ್ಕೆ ಅವಕಾಶ ಇದೆ. ಇದನ್ನು ಸಾಫ್ಟ್‌ ಎನ್‌ಕ್ವೈರಿ ಎಂದು ಕರೆಯಲಾಗುತ್ತದೆ. ಯಾವುದೇ ಸಾಲ ನೀಡುವ ಸಂಸ್ಥೆ- ಬ್ಯಾಂಕ್ ಮಾಡುವ ಅಂಕ ಪರಿಶೀಲನೆಯನ್ನು ಹಾರ್ಡ್ ಎನ್‌ಕ್ವೈರಿ ಎಂದೂ ತಿಳಿಯಲಾಗುತ್ತದೆ. ಸ್ವತಃ ಮಾಡುವ ಪರಿಶೀಲನೆಯಿಂದ ಯಾವುದೇ ಮೌಲ್ಯಾಂಕಕ್ಕೆ ಹಾನಿ ಇಲ್ಲ. ಆದರೆ, ಪದೇ ಪದೇ ಸಾಲ ಕೇಳುತ್ತಿದ್ದಂತೆ ಸಾಲ ನೀಡುವ ಸಂಸ್ಥೆಗಳು ಮಾಡುವ ಮೌಲ್ಯಾಂಕ ಪರಿಶೀಲನೆಯಿಂದ ಸ್ಕೋರಿಂಗ್ ಮೇಲೆ ಪರಿಣಾಮ ಬೀರುತ್ತದೆ. ಹೀಗಾಗಿ, ಈ ಬಗ್ಗೆ ಜಾಗರೂಕರಾಗಿರಿ ಹಾಗೂ ಅದನ್ನು ಉನ್ನತೀಕರಿಸುವ ಬಗ್ಗೆ ಕ್ರಮ ಕೈಗೊಳ್ಳಿ. \u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಬ್ಯಾಂಕ್ ಅಥವಾ ಹಣಕಾಸು ಸಂಸ್ಥೆಗಳಿಂದ ವೈಯಕ್ತಿಕ ಸಾಲ ಪಡೆಯಬೇಕೆಂದಿದ್ದೇನೆ. ನನ್ನ ಮಿತ್ರರ ಜೊತೆ ಇತ್ತೀಚೆಗೆ ಮಾತುಕತೆ ನಡೆಸುತ್ತಿದ್ದಾಗ  ಪದೇ ಪದೇ ಸಿಬಿಲ್ ಸ್ಕೋರ್ ಬಗೆಗಿನ ಮಾಹಿತಿ ಅನ್ವೇಷಿಸುತ್ತಿದ್ದರೆ ನಮ್ಮ ಒಟ್ಟಾರೆ ಕ್ರೆಡಿಟ್ ಸ್ಕೋರ್ ಕಡಿಮೆ ಆಗುತ್ತದೆ ಎಂದು ಹೇಳಿದರು. ಈ ವಿಚಾರ ಸರಿಯೇ. ನಮ್ಮ ಕ್ರೆಡಿಟ್ ಸ್ಕೋರ್ ಬಗ್ಗೆ ತಿಳಿದು ಸರಿಪಡಿಸಿಕೊಳ್ಳಲು ನಮಗೆ ಅವಕಾಶ ಇಲ್ಲದಿದ್ದರೆ ಹೇಗೆ? ಈ ಬಗ್ಗೆ ಸಾಲ ಸಿಗಬಹುದೇ ಇಲ್ಲವೇ ಎಂಬ ಬಗ್ಗೆ ಆತಂಕ ಇದೆ? ಇದು ಖಾಸಗಿ ಸಂಸ್ಥೆ ನೀಡುವ ಮೌಲ್ಯಾಂಕ ಆದ ಕಾರಣ ಇದನ್ನು ನಾವು ಪರಿಗಣಿಸಬೇಕೆ ಹಾಗೂ ಈ ಸಂಸ್ಥೆಗೆ ಮಾನ್ಯತೆ ಇದಯೇ?\u003C\u002Fp\u003E\u003Cp\u003E-ನಯನಾ ಶ್ರೀನಿವಾಸ್, ಶಿವಮೊಗ್ಗ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eಈ ಹಿಂದೆ ಕ್ರೆಡಿಟ್ ಇನ್ಫಾರ್ಮೇಷನ್‌ ಬ್ಯೂರೊ (ಇಂಡಿಯಾ) ಲಿಮಿಟೆಡ್ ಎಂದು ಕರೆಯಲ್ಪಡುತ್ತಿದ್ದ ಇಂದಿನ ಸಿಬಿಲ್ ಲಿಮಿಟೆಡ್ ಸಂಸ್ಥೆ ‘ಸಿಬಿಲ್ ಸ್ಕೋರ್’ ಎನ್ನುವ ರೇಟಿಂಗ್ ನೀಡುತ್ತಾ ಬಂದಿದೆ. ಇದು ವೈಯಕ್ತಿಕ ಆರ್ಥಿಕ ಕ್ಷಮತೆಯ ಮಾಹಿತಿ ನೀಡುತ್ತದೆ. ಇದು ಹೆಚ್ಚಿದ್ದಷ್ಟು ಉತ್ತಮ. ಇದು ಭಾರತೀಯ ರಿಸರ್ವ್‌ ಬ್ಯಾಂಕ್‌ನ ಅಧಿಕೃತ ಮಾನ್ಯತೆ ಮೇರೆಗೆ ಸಾಲಗಾರರ ಬಗ್ಗೆ ಮಾಹಿತಿ ಸಂಗ್ರಹಿಸುವ ಹಾಗೂ ಅಗತ್ಯವುಳ್ಳವರಿಗೆ ಮಾಹಿತಿ ನೀಡುವ ಅಧಿಕಾರ ಹೊಂದಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಬ್ಯಾಂಕ್ ಹಾಗೂ ಸಾಲ ನೀಡುವ ಯಾವುದೇ ಸಂಸ್ಥೆಗೆ ಸಾಲಗಾರನ ಆರ್ಥಿಕ ಸಾಮರ್ಥ್ಯ ಅರಿತು ಸಾಲ ನೀಡಬೇಕು. ಸಂಭಾವ್ಯ ಆರ್ಥಿಕ ವಂಚನೆಗಳನ್ನು ತಪ್ಪಿಸಬೇಕೆನ್ನುವುದು ಇದರ ಉದ್ದೇಶ.\u003C\u002Fp\u003E\u003Cp\u003Eಹೀಗಾಗಿ ಈ ಸಂಸ್ಥೆಯ ಬಗ್ಗೆ ಅನಗತ್ಯ ಸಂದೇಹ ಬೇಡ ಹಾಗೂ ಇದು ಯಾವುದೇ ಸಾಲ ಪಡೆಯುವಾಗ ವೈಯಕ್ತಿಕ ಸಾಲಗಾರರಲ್ಲಿ ಕೇಳುವ ಅಥವಾ ಅವರ ಬಗ್ಗೆ ಅನ್ವೇಷಿಸುವ ಮೊದಲ ಮಾಹಿತಿಯಾಗಿದೆ. ಎಲ್ಲ ಬ್ಯಾಂಕ್ ಹಾಗೂ ಸಾಲ ವಿತರಿಸುವ ಸಂಸ್ಥೆಗಳು ಇದರ ಸದಸ್ಯರಾದ ಕಾರಣ ಸಾಲದ ಸುರಕ್ಷತೆ ಹಾಗೂ ಸಾಲಕ್ಕೆ ಸಂಬಂಧಿಸಿದ ಆರ್ಥಿಕ ಚಟುವಟಿಕೆಗಳ ಮೇಲೆ ನಿಗಾ ಇಟ್ಟು 300ರಿಂದ ಗರಿಷ್ಠ 900ರ ತನಕ ಇರುವ ಮೌಲ್ಯಾಂಕ ನೀಡಲಾಗುತ್ತದೆ.  \u003C\u002Fp\u003E\u003Cp\u003Eಸ್ವತಃ ನಮ್ಮ ಅಂಕ ಪರಿಶೀಲಿಸುವುದಕ್ಕೆ ಅವಕಾಶ ಇದೆ. ಇದನ್ನು ಸಾಫ್ಟ್‌ ಎನ್‌ಕ್ವೈರಿ ಎಂದು ಕರೆಯಲಾಗುತ್ತದೆ. ಯಾವುದೇ ಸಾಲ ನೀಡುವ ಸಂಸ್ಥೆ- ಬ್ಯಾಂಕ್ ಮಾಡುವ ಅಂಕ ಪರಿಶೀಲನೆಯನ್ನು ಹಾರ್ಡ್ ಎನ್‌ಕ್ವೈರಿ ಎಂದೂ ತಿಳಿಯಲಾಗುತ್ತದೆ. ಸ್ವತಃ ಮಾಡುವ ಪರಿಶೀಲನೆಯಿಂದ ಯಾವುದೇ ಮೌಲ್ಯಾಂಕಕ್ಕೆ ಹಾನಿ ಇಲ್ಲ. ಆದರೆ, ಪದೇ ಪದೇ ಸಾಲ ಕೇಳುತ್ತಿದ್ದಂತೆ ಸಾಲ ನೀಡುವ ಸಂಸ್ಥೆಗಳು ಮಾಡುವ ಮೌಲ್ಯಾಂಕ ಪರಿಶೀಲನೆಯಿಂದ ಸ್ಕೋರಿಂಗ್ ಮೇಲೆ ಪರಿಣಾಮ ಬೀರುತ್ತದೆ. ಹೀಗಾಗಿ, ಈ ಬಗ್ಗೆ ಜಾಗರೂಕರಾಗಿರಿ ಹಾಗೂ ಅದನ್ನು ಉನ್ನತೀಕರಿಸುವ ಬಗ್ಗೆ ಕ್ರಮ ಕೈಗೊಳ್ಳಿ. \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F0bf67779-9975-4936-95f3-0218ae302ca6\u002Felement\u002F497aee7d-f30d-4699-b020-4a348f6cdba1","type":"text","family-id":"df860e5c-0ad5-4106-98e1-6b20b79b0af2","title":"","id":"497aee7d-f30d-4699-b020-4a348f6cdba1","metadata":{"question":"\u003Cp\u003Eನನ್ನ ತಂದೆ ಸರ್ಕಾರದ ಉದ್ಯೋಗದಲ್ಲಿದ್ದರು. ನಿವೃತ್ತಿಯಾದ ನಂತರ ಪಿಂಚಣಿ ಪಡೆಯುತ್ತಿದ್ದಾರೆ. ಇತ್ತೀಚೆಗೆ ಅವರು ಕೇರಳ ರಾಜ್ಯದ ಲಾಟರಿ ಖರೀದಿಸಿದ್ದರು. ಬಹುಮಾನವಾಗಿ ₹2 ಲಕ್ಷ ಸಿಗಲಿದೆ ಎಂದು ತಿಳಿಯಿತು. ಇದನ್ನು ಮೂರು ತಿಂಗಳ ಒಳಗಾಗಿ ಸಂಬಂಧಪಟ್ಟ ಕಚೇರಿಗೆ ಹೋಗಿ ಅಗತ್ಯ ದಾಖಲೆಗಳೊಂದಿಗೆ ಪ್ಯಾನ್ ಸಂಖ್ಯೆ ಕೊಡುವ ಮೂಲಕ ಪಡೆಯಬಹುದೆಂದು ತಿಳಿದುಕೊಂಡೆವು. ನಮಗೆ ಲಾಟರಿ ಬಗೆಗಿನ ಆದಾಯ ತೆರಿಗೆ ನಿಯಮಾವಳಿಗಳ ಬಗ್ಗೆ ತಿಳಿಸಿ. ಅವರ ಹೆಸರಲ್ಲಿ ತೆರಿಗೆ ಬರುತ್ತದೆಯೇ? ತಿಂಗಳ ಪಿಂಚಣಿ ಸುಮಾರು ₹25 ಸಾವಿರ ಬರುತ್ತಿದೆ. ತೆರಿಗೆ ಇಲ್ಲವಾದರೆ ರಿಫಂಡ್ ಪಡೆಯಬಹುದೇ? ಈ ಬಹುಮಾನ ನಗದೀಕರಿಸಿದರೆ ಆದಾಯ ಘೋಷಣೆ ಕಡ್ಡಾಯವೇ?\u003C\u002Fp\u003E\u003Cp\u003E-ಶಿವಾನಂದ ಹೆಬ್ಬಾರ, ರಾಜಾಜಿನಗರ, ಬೆಂಗಳೂರು.\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನೀವು ನೀಡಿದ ಮಾಹಿತಿಯಂತೆ ತಂದೆಯವರು ವಾರ್ಷಿಕವಾಗಿ ₹3 ಲಕ್ಷವನ್ನು ಪಿಂಚಣಿ ರೂಪದಲ್ಲಿ ಪಡೆಯುತ್ತಿದ್ದಾರೆ. ಪ್ರಸ್ತುತ ₹2 ಲಕ್ಷದ ಲಾಟರಿ ಆದಾಯ ಸಿಗುವುದಾಗಿ ತಿಳಿಸಿದ್ದೀರಿ. ಆದಾಯ ತೆರಿಗೆ ಕಾಯ್ದೆಯ ಸೆಕ್ಷನ್ 194ಬಿ ಪ್ರಕಾರ ₹10 ಸಾವಿರ ಮತ್ತು ಅದಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ಎಲ್ಲಾ ಮೊತ್ತದ ಮೇಲೆ ಶೇ 30ರ ಮೂಲ ತೆರಿಗೆ ಕಡಿತ ಅನ್ವಯವಾಗುತ್ತದೆ. ಸೆಸ್ ಮತ್ತು ಹೆಚ್ಚುವರಿ ಶುಲ್ಕದೊಂದಿಗೆ, ಪರಿಣಾಮಕಾರಿ ದರವು ಶೇ 31.2 ಆಗಿರುತ್ತದೆ. ಬಹುಮಾನದ ಹಣ ವಿತರಿಸುವ ಕಂಪನಿ ಅಥವಾ ಸಂಸ್ಥೆಗಳು ತೆರಿಗೆ ಕಡಿತಗೊಳಿಸಿ ನಿವ್ವಳ ಮೊತ್ತವನ್ನು ಕೊಡಬೇಕೆಂಬುದು ನಿಯಮ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ದರವು ವೈಯಕ್ತಿಕ ತೆರಿಗೆ ದರದಿಂದ ಸ್ವತಂತ್ರವಾಗಿರುತ್ತದೆ. ಅಂದರೆ ವ್ಯಕ್ತಿಯ ಆದಾಯವು ಶೇ 5, 10, 15 ಇತ್ಯಾದಿ ದರದಲ್ಲಿದ್ದರೂ, ಲಾಟರಿ ಬಹುಮಾನಗಳಿಂದ ಗಳಿಸಿದ ಆದಾಯದ ಮೇಲೆ ಶೇ 31.20ರಷ್ಟು ತೆರಿಗೆ ವಿಧಿಸಲಾಗುತ್ತದೆ. ಈ ಆದಾಯಕ್ಕೆ ಸಂಬಂಧಿಸಿ ಯಾವುದೇ ಖರ್ಚು ಪಡೆಯುವುದಕ್ಕೆ ಅವಕಾಶವಿರುವುದಿಲ್ಲ. ಇತರೆ ನಷ್ಟಗಳೊಡನೆ ವಜಾ ಮಾಡುವ ಅವಕಾಶವಿಲ್ಲ. ಅಲ್ಲದೆ, ಹಳೆಯ ತೆರಿಗೆ ನಿಯಮ ಅನುಸರಿಸಿದರೂ ಆದಾಯದಿಂದ ಸೆಕ್ಷನ್ 80ಸಿ ಅಥವಾ 80ಡಿ ಅಥವಾ ಯಾವುದೇ ಇತರ ಕಡಿತ\u002F ಭತ್ಯೆ ಅಡಿಯಲ್ಲಿ ರಿಯಾಯಿತಿ ಪಡೆಯಲು ಅವಕಾಶವಿಲ್ಲ.\u003C\u002Fp\u003E\u003Cp\u003Eಮೂಲ ವಿನಾಯಿತಿ ಮಿತಿ ಮತ್ತು ಆದಾಯ ತೆರಿಗೆ ಸ್ಲ್ಯಾಬ್ ದರದ ಪ್ರಯೋಜನವು ಈ ಆದಾಯಕ್ಕೆ ಅನ್ವಯಿಸುವುದಿಲ್ಲ. ಸ್ವೀಕರಿಸಿದ ಸಂಪೂರ್ಣ ಮೊತ್ತವು ಶೇ 31.20ರ ಫ್ಲಾಟ್ ದರದಲ್ಲಿ ತೆರಿಗೆಗೆ ಒಳಪಡುತ್ತದೆ. ತೆರಿಗೆ ಕಡಿತಗೊಳ್ಳುವ ಕಾರಣ ಆ ಮೊತ್ತ ನೀವು ವಾರ್ಷಿಕ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವಾಗ ಬಳಸಿಕೊಳ್ಳಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eಲಾಟರಿ ಆದಾಯದ ಮೂಲಕ ಪಡೆದ ಮೊತ್ತವನ್ನು ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್‌ನಲ್ಲಿ ಘೋಷಿಸದಿದ್ದರೆ, ಮುಂದೆ ಈ ಬಗ್ಗೆ ನೋಟಿಸ್ ಬರುವ ಸಾಧ್ಯತೆಯನ್ನು ಅಲ್ಲಗಳೆಯುವಂತಿಲ್ಲ. ಅಪೂರ್ಣ ಮಾಹಿತಿ ಸಲ್ಲಿಕೆ ಬಗ್ಗೆಯೂ ಸೆಕ್ಷನ್ 270ಎ ಅಡಿ ದಂಡ ಅನ್ವಯವಾಗುತ್ತದೆ. ಇಂತಹ ಮೊತ್ತ ಸ್ವೀಕರಿಸುವವರ ಪ್ಯಾನ್ ಆಧಾರದಲ್ಲಿ ಬಹುಮಾನದ ಮೊತ್ತ  ನೀಡುವ ಕಾರಣ ಆದಾಯ ಘೋಷಿಸದಿದ್ದರೂ ಸರ್ಕಾರದ ಬಳಿ ಮಾಹಿತಿ ಕಲೆ ಹಾಕುವ ಸೌಲಭ್ಯ ಇರುವ ಕಾರಣ, ಮುಂದೆ ಆದಾಯ ತೆರಿಗೆಯ ನೋಟಿಸ್ ನಿರೀಕ್ಷಿಸುವುದಕ್ಕಿಂತ ಆದಾಯ ಘೋಷಿಸುವುದೇ ಉತ್ತಮ.  \u003C\u002Fp\u003E\u003Cp\u003Eಈ ಮೇಲಿನ ಮಾಹಿತಿಯಂತೆ ನಿಮಗೆ ಬಂದಿರುವ ಆದಾಯವನ್ನು ಇತರೆ ಯಾವುದೇ ತೆರಿಗೆ ಆದಾಯಕ್ಕೆ ಹೊಂದಾಣಿಕೆ ಮಾಡದೆ ಪ್ರತ್ಯೇಕವಾಗಿ ಘೋಷಿಸಬೇಕಾಗುತ್ತದೆ. ಅಲ್ಲದೆ, ಒಂದು ವೇಳೆ ನಿಮಗೆ ಇತರೆ ಯಾವುದೇ ತೆರಿಗೆ ಆದಾಯ ಇಲ್ಲದಿದ್ದಾಗಲೂ ಈ ಮೊತ್ತಕ್ಕೆ ವಿನಾಯಿತಿ ಇಲ್ಲ. ಹೀಗಾಗಿ, ರಿಫಂಡ್ ಪಡೆಯುವ ಅವಕಾಶ ಇರುವುದಿಲ್ಲ. ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವಾಗ ಈ ಸಂಬಂಧ ಮಾಹಿತಿ ನೀಡುವ ವಿಭಾಗದಲ್ಲಿ ಸಮರ್ಪಕವಾಗಿ ಭರಿಸಿ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನನ್ನ ತಂದೆ ಸರ್ಕಾರದ ಉದ್ಯೋಗದಲ್ಲಿದ್ದರು. ನಿವೃತ್ತಿಯಾದ ನಂತರ ಪಿಂಚಣಿ ಪಡೆಯುತ್ತಿದ್ದಾರೆ. ಇತ್ತೀಚೆಗೆ ಅವರು ಕೇರಳ ರಾಜ್ಯದ ಲಾಟರಿ ಖರೀದಿಸಿದ್ದರು. ಬಹುಮಾನವಾಗಿ ₹2 ಲಕ್ಷ ಸಿಗಲಿದೆ ಎಂದು ತಿಳಿಯಿತು. ಇದನ್ನು ಮೂರು ತಿಂಗಳ ಒಳಗಾಗಿ ಸಂಬಂಧಪಟ್ಟ ಕಚೇರಿಗೆ ಹೋಗಿ ಅಗತ್ಯ ದಾಖಲೆಗಳೊಂದಿಗೆ ಪ್ಯಾನ್ ಸಂಖ್ಯೆ ಕೊಡುವ ಮೂಲಕ ಪಡೆಯಬಹುದೆಂದು ತಿಳಿದುಕೊಂಡೆವು. ನಮಗೆ ಲಾಟರಿ ಬಗೆಗಿನ ಆದಾಯ ತೆರಿಗೆ ನಿಯಮಾವಳಿಗಳ ಬಗ್ಗೆ ತಿಳಿಸಿ. ಅವರ ಹೆಸರಲ್ಲಿ ತೆರಿಗೆ ಬರುತ್ತದೆಯೇ? ತಿಂಗಳ ಪಿಂಚಣಿ ಸುಮಾರು ₹25 ಸಾವಿರ ಬರುತ್ತಿದೆ. ತೆರಿಗೆ ಇಲ್ಲವಾದರೆ ರಿಫಂಡ್ ಪಡೆಯಬಹುದೇ? ಈ ಬಹುಮಾನ ನಗದೀಕರಿಸಿದರೆ ಆದಾಯ ಘೋಷಣೆ ಕಡ್ಡಾಯವೇ?\u003C\u002Fp\u003E\u003Cp\u003E-ಶಿವಾನಂದ ಹೆಬ್ಬಾರ, ರಾಜಾಜಿನಗರ, ಬೆಂಗಳೂರು.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನೀವು ನೀಡಿದ ಮಾಹಿತಿಯಂತೆ ತಂದೆಯವರು ವಾರ್ಷಿಕವಾಗಿ ₹3 ಲಕ್ಷವನ್ನು ಪಿಂಚಣಿ ರೂಪದಲ್ಲಿ ಪಡೆಯುತ್ತಿದ್ದಾರೆ. ಪ್ರಸ್ತುತ ₹2 ಲಕ್ಷದ ಲಾಟರಿ ಆದಾಯ ಸಿಗುವುದಾಗಿ ತಿಳಿಸಿದ್ದೀರಿ. ಆದಾಯ ತೆರಿಗೆ ಕಾಯ್ದೆಯ ಸೆಕ್ಷನ್ 194ಬಿ ಪ್ರಕಾರ ₹10 ಸಾವಿರ ಮತ್ತು ಅದಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ಎಲ್ಲಾ ಮೊತ್ತದ ಮೇಲೆ ಶೇ 30ರ ಮೂಲ ತೆರಿಗೆ ಕಡಿತ ಅನ್ವಯವಾಗುತ್ತದೆ. ಸೆಸ್ ಮತ್ತು ಹೆಚ್ಚುವರಿ ಶುಲ್ಕದೊಂದಿಗೆ, ಪರಿಣಾಮಕಾರಿ ದರವು ಶೇ 31.2 ಆಗಿರುತ್ತದೆ. ಬಹುಮಾನದ ಹಣ ವಿತರಿಸುವ ಕಂಪನಿ ಅಥವಾ ಸಂಸ್ಥೆಗಳು ತೆರಿಗೆ ಕಡಿತಗೊಳಿಸಿ ನಿವ್ವಳ ಮೊತ್ತವನ್ನು ಕೊಡಬೇಕೆಂಬುದು ನಿಯಮ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ದರವು ವೈಯಕ್ತಿಕ ತೆರಿಗೆ ದರದಿಂದ ಸ್ವತಂತ್ರವಾಗಿರುತ್ತದೆ. ಅಂದರೆ ವ್ಯಕ್ತಿಯ ಆದಾಯವು ಶೇ 5, 10, 15 ಇತ್ಯಾದಿ ದರದಲ್ಲಿದ್ದರೂ, ಲಾಟರಿ ಬಹುಮಾನಗಳಿಂದ ಗಳಿಸಿದ ಆದಾಯದ ಮೇಲೆ ಶೇ 31.20ರಷ್ಟು ತೆರಿಗೆ ವಿಧಿಸಲಾಗುತ್ತದೆ. ಈ ಆದಾಯಕ್ಕೆ ಸಂಬಂಧಿಸಿ ಯಾವುದೇ ಖರ್ಚು ಪಡೆಯುವುದಕ್ಕೆ ಅವಕಾಶವಿರುವುದಿಲ್ಲ. ಇತರೆ ನಷ್ಟಗಳೊಡನೆ ವಜಾ ಮಾಡುವ ಅವಕಾಶವಿಲ್ಲ. ಅಲ್ಲದೆ, ಹಳೆಯ ತೆರಿಗೆ ನಿಯಮ ಅನುಸರಿಸಿದರೂ ಆದಾಯದಿಂದ ಸೆಕ್ಷನ್ 80ಸಿ ಅಥವಾ 80ಡಿ ಅಥವಾ ಯಾವುದೇ ಇತರ ಕಡಿತ\u002F ಭತ್ಯೆ ಅಡಿಯಲ್ಲಿ ರಿಯಾಯಿತಿ ಪಡೆಯಲು ಅವಕಾಶವಿಲ್ಲ.\u003C\u002Fp\u003E\u003Cp\u003Eಮೂಲ ವಿನಾಯಿತಿ ಮಿತಿ ಮತ್ತು ಆದಾಯ ತೆರಿಗೆ ಸ್ಲ್ಯಾಬ್ ದರದ ಪ್ರಯೋಜನವು ಈ ಆದಾಯಕ್ಕೆ ಅನ್ವಯಿಸುವುದಿಲ್ಲ. ಸ್ವೀಕರಿಸಿದ ಸಂಪೂರ್ಣ ಮೊತ್ತವು ಶೇ 31.20ರ ಫ್ಲಾಟ್ ದರದಲ್ಲಿ ತೆರಿಗೆಗೆ ಒಳಪಡುತ್ತದೆ. ತೆರಿಗೆ ಕಡಿತಗೊಳ್ಳುವ ಕಾರಣ ಆ ಮೊತ್ತ ನೀವು ವಾರ್ಷಿಕ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವಾಗ ಬಳಸಿಕೊಳ್ಳಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eಲಾಟರಿ ಆದಾಯದ ಮೂಲಕ ಪಡೆದ ಮೊತ್ತವನ್ನು ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್‌ನಲ್ಲಿ ಘೋಷಿಸದಿದ್ದರೆ, ಮುಂದೆ ಈ ಬಗ್ಗೆ ನೋಟಿಸ್ ಬರುವ ಸಾಧ್ಯತೆಯನ್ನು ಅಲ್ಲಗಳೆಯುವಂತಿಲ್ಲ. ಅಪೂರ್ಣ ಮಾಹಿತಿ ಸಲ್ಲಿಕೆ ಬಗ್ಗೆಯೂ ಸೆಕ್ಷನ್ 270ಎ ಅಡಿ ದಂಡ ಅನ್ವಯವಾಗುತ್ತದೆ. ಇಂತಹ ಮೊತ್ತ ಸ್ವೀಕರಿಸುವವರ ಪ್ಯಾನ್ ಆಧಾರದಲ್ಲಿ ಬಹುಮಾನದ ಮೊತ್ತ  ನೀಡುವ ಕಾರಣ ಆದಾಯ ಘೋಷಿಸದಿದ್ದರೂ ಸರ್ಕಾರದ ಬಳಿ ಮಾಹಿತಿ ಕಲೆ ಹಾಕುವ ಸೌಲಭ್ಯ ಇರುವ ಕಾರಣ, ಮುಂದೆ ಆದಾಯ ತೆರಿಗೆಯ ನೋಟಿಸ್ ನಿರೀಕ್ಷಿಸುವುದಕ್ಕಿಂತ ಆದಾಯ ಘೋಷಿಸುವುದೇ ಉತ್ತಮ.  \u003C\u002Fp\u003E\u003Cp\u003Eಈ ಮೇಲಿನ ಮಾಹಿತಿಯಂತೆ ನಿಮಗೆ ಬಂದಿರುವ ಆದಾಯವನ್ನು ಇತರೆ ಯಾವುದೇ ತೆರಿಗೆ ಆದಾಯಕ್ಕೆ ಹೊಂದಾಣಿಕೆ ಮಾಡದೆ ಪ್ರತ್ಯೇಕವಾಗಿ ಘೋಷಿಸಬೇಕಾಗುತ್ತದೆ. ಅಲ್ಲದೆ, ಒಂದು ವೇಳೆ ನಿಮಗೆ ಇತರೆ ಯಾವುದೇ ತೆರಿಗೆ ಆದಾಯ ಇಲ್ಲದಿದ್ದಾಗಲೂ ಈ ಮೊತ್ತಕ್ಕೆ ವಿನಾಯಿತಿ ಇಲ್ಲ. ಹೀಗಾಗಿ, ರಿಫಂಡ್ ಪಡೆಯುವ ಅವಕಾಶ ಇರುವುದಿಲ್ಲ. ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವಾಗ ಈ ಸಂಬಂಧ ಮಾಹಿತಿ ನೀಡುವ ವಿಭಾಗದಲ್ಲಿ ಸಮರ್ಪಕವಾಗಿ ಭರಿಸಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F0bf67779-9975-4936-95f3-0218ae302ca6\u002Felement\u002F323280a2-67e4-40e3-8317-e5d20ecd6567","type":"text","family-id":"d2279ad1-12b7-4bcb-9812-9bc851fedef0","title":"","id":"323280a2-67e4-40e3-8317-e5d20ecd6567","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003Eಹಣಕಾಸಿಗೆ ಸಂಬಂಧಿಸಿದ ಪ್ರಶ್ನೆಗಳನ್ನು ಪತ್ರದಲ್ಲಿ (ದೂರವಾಣಿ ಸಂಖ್ಯೆ ಸಹಿತ) ಬರೆದು ಕಳುಹಿಸಿ. \u003Cbr\u003Eವಿಳಾಸ: ಪ್ರಶ್ನೋತ್ತರ, ವಾಣಿಜ್ಯ ವಿಭಾಗ, ಪ್ರಜಾವಾಣಿ, ನಂ.75, ಮಹಾತ್ಮ ಗಾಂಧಿ ರಸ್ತೆ, ಬೆಂಗಳೂರು–560001\u003C\u002Fp\u003E\u003Cp\u003Eಇ–ಮೇಲ್‌: businessdesk@prajavani.co.in\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1735668689584,"content-version-id":"ed2a4417-7089-4afc-aa97-eddf8d1bc1cf","card-added-at":1735641916203,"status":"draft","id":"3b1119f4-4e13-43cb-b2e9-5c71ca802173","content-id":"3b1119f4-4e13-43cb-b2e9-5c71ca802173","version":6,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-12-31\u002Feya5pmjr\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","url":null,"attribution":null,"alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"original-url":"http:\u002F\u002Fdcxprod.tpml.in\u002Fdevice_dh\u002Foriginal5\u002F2022\u002F01-24\u002F28\u002Fd0\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","width":1280,"height":1280,"focus-point":[644,292]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fexpert-answers-to-questions-related-to-financial-investment-financial-problems-2-3107346","story-version-id":"92444252-577b-4f63-8409-c593bd262a36","content-type":"story","content-updated-at":1735687799986,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1735687800000,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":7,"story-template":"syndicated","sequence-no":null,"created-at":1735668689556,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ ಸುದ್ದಿ"]},"imported-card-id":"3b1119f4-4e13-43cb-b2e9-5c71ca802173","card-share":{"shareable":false}},"publish-at":1735687800000,"assignee-name":"syndication"}},{"id":"809a841c-3732-4924-ba42-7ef832515d57","score":null,"type":"story","item":{"headline":["ರಿಯಾಯಿತಿ ನೀಡುವ ಬ್ರೋಕರೇಜ್ ಕಂಪನಿ ಮುಚ್ಚಿದರೆ ಖರೀದಿಸಿದ ಷೇರುಗಳು ಏನಾಗುತ್ತವೆ?"]},"story":{"updated-at":1735144866617,"seo":{"meta-description":"ರಿಯಾಯಿತಿ ನೀಡುವ ಬ್ರೋಕರೇಜ್ ಕಂಪನಿ ಮುಚ್ಚಿದರೆ ಖರೀದಿಸಿದ ಷೇರುಗಳು ಏನಾಗುತ್ತವೆ?","meta-keywords":["question and answer"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5514291,"name":"question and answer","meta-description":null,"meta-title":null,"slug":"question-and-answer","tag-type":"Tag"}],"headline":"ರಿಯಾಯಿತಿ ನೀಡುವ ಬ್ರೋಕರೇಜ್ ಕಂಪನಿ ಮುಚ್ಚಿದರೆ ಖರೀದಿಸಿದ ಷೇರುಗಳು ಏನಾಗುತ್ತವೆ?","storyline-id":null,"votes":{},"story-content-id":"809a841c-3732-4924-ba42-7ef832515d57","slug":"business\u002Fprashnottara\u002Fwhat-happens-to-the-shares-bought-if-the-discount-brokerage-company-closes-down-3101690","last-published-at":1735173960000,"public-identifier":"3101690","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1735133121091,"is-embargoed":false,"owner-name":"syndication","custom-slug":"What happens to the shares bought if the discount brokerage company closes down?","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"width":1200,"height":800,"mime-type":"image\u002Fjpeg","file-size":137375,"file-name":"file725uzq1gknp61sue8jo.jpg","focus-point":[600,400]},"comments":null,"word-count":476,"story-features":null,"entities":{},"published-at":1735173960000,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7ymvr4k1eitwydo05po","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"809a841c-3732-4924-ba42-7ef832515d57","hero-image-s3-key":"prajavani\u002F2024-12-25\u002F53wlnnn3\u002Ffile725uzq1gknp61sue8jo.jpg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F809a841c-3732-4924-ba42-7ef832515d57\u002Felement\u002F7f74c2c6-27fb-4c18-a2b3-ee17dc72d67c","type":"text","family-id":"06fd96f6-2427-4d80-b826-5703f8b14367","title":"","id":"7f74c2c6-27fb-4c18-a2b3-ee17dc72d67c","metadata":{},"subtype":"question","text":"\u003Cp\u003Eನಾವು ಇತ್ತೀಚೆಗೆ ಭಾರಿ ಪ್ರಮಾಣದ ರಿಯಾಯಿತಿ ನೀಡುವ ಬ್ರೋಕರೇಜ್ ಕಂಪನಿಗಳ ಬಗ್ಗೆ ಕೇಳುತ್ತಿದ್ದೇವೆ. ಅವರ ಆ್ಯಪ್‌ ಬಳಸಿ ಷೇರು ಹೂಡಿಕೆ ಮಾಡಲು ಹೇಳುತ್ತಿದ್ದಾರೆ. ಕಳೆದ ಎರಡು ವರ್ಷದಿಂದ ಇತರೆ ಕಂಪನಿಗಳ ಆ್ಯಪ್‌ ಬಳಸುತ್ತಿದ್ದೇನೆ. ಆದರೆ, ಇವರ ಬ್ರೋಕರೇಜ್ ಶುಲ್ಕ ಹೆಚ್ಚಿದೆ. ಅದಕ್ಕಾಗಿ ರಿಯಾಯಿತಿ ನೀಡುವ ಬ್ರೋಕರ್ ಕಂಪನಿಯನ್ನು ಆಯ್ಕೆ ಮಾಡಲು ಯೋಚಿಸುತ್ತಿದ್ದೇನೆ. ನನ್ನ ಆದಾಯಕ್ಕೆ ಸಂಬಂಧಿಸಿದಂತೆ ಅರ್ಧದಷ್ಟು ಮೊತ್ತವನ್ನು ಷೇರುಗಳಲ್ಲಿ ತೊಡಗಿಸುತ್ತಾ ಬಂದಿದ್ದೇನೆ. ನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ ಒಂದು ವೇಳೆ ಈ ರಿಯಾಯಿತಿ ನೀಡುವ ಬ್ರೋಕರೇಜ್ ಕಂಪನಿಯು ಮುಚ್ಚಿ ಹೋದರೆ ನಾವು ಖರೀದಿಸಿರುವ ಷೇರುಗಳು ಏನಾಗುತ್ತವೆ? ನಾನು ನಷ್ಟ ಅನುಭವಿಸಬೇಕಾಗುತ್ತದೆಯೇ? - \u003Cstrong\u003Eಕೇಶವ್ ಹೆಚ್.ಕೆ., ಆರ್.ಆರ್. ನಗರ, ಬೆಂಗಳೂರು.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F809a841c-3732-4924-ba42-7ef832515d57\u002Felement\u002Feeedcf69-126a-4b3a-a860-17f12166a6ab","type":"text","family-id":"ef228b07-c11d-44f9-9057-11fe34aac1f1","title":"","id":"eeedcf69-126a-4b3a-a860-17f12166a6ab","metadata":{},"subtype":null,"text":" \u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ\u003C\u002Fstrong\u003E: ಇಂದಿನ 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ಸಂಸ್ಥೆಗಳಾ‌ಗಿವೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F809a841c-3732-4924-ba42-7ef832515d57\u002Felement\u002F9787b0c9-469a-434a-bf19-c9e1d4019599","type":"text","family-id":"fd8a8c69-dfa3-4f20-af4e-da1c7004f194","title":"","id":"9787b0c9-469a-434a-bf19-c9e1d4019599","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಷೇರುಪೇಟೆಯ ಎಲ್ಲಾ ವ್ಯವಹಾರವು ಭಾರತೀಯ ಷೇರುಪೇಟೆ ನಿಯಂತ್ರಣ ಮಂಡಳಿಯ (ಸೆಬಿ) ನಿಯಮಾವಳಿಗಳ ಅನ್ವಯವೇ ನಡೆಯಬೇಕಿದೆ. ಎಲ್ಲಾ ಬ್ರೋಕರೇಜ್ ಕಂಪನಿಗಳು ಪ್ರತಿದಿನದ ವಹಿವಾಟು ಮುಗಿಯುತ್ತಿದ್ದಂತೆ ಹೂಡಿಕೆದಾರರ ಷೇರುಗಳ ವರ್ಗಾವಣೆ ವ್ಯವಹಾರವನ್ನು ತಾಳೆ ಮಾಡಿ ಡಿಪಾಸಿಟರಿಗಳಿಗೆ ಮಾಹಿತಿ ನೀಡಬೇಕು. ಇಲ್ಲಿ ಬ್ರೋಕರೇಜ್ ಕಂಪನಿಗಳದ್ದು ಕೇವಲ ಮಧ್ಯವರ್ತಿಯ ಪಾತ್ರವಾಗಿದೆ. ನಿಜ ಅರ್ಥದಲ್ಲಿ ನೀವು ಮಾಡಿರುವ ಷೇರುಗಳಲ್ಲಿನ ಹೂಡಿಕೆಯು ಎಲೆಕ್ಟ್ರಾನಿಕ್ ರೂಪದಲ್ಲಿ ಡಿಪಾಸಿಟರಿಗಳ ಅಧೀನದಲ್ಲಿ ಇರುತ್ತದೆಯೇ ಹೊರತು ಬ್ರೋಕರೇಜ್ ಕಂಪನಿಗಳ ನಿಯಂತ್ರಣದಲ್ಲಿ ಇರುವುದಿಲ್ಲ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F809a841c-3732-4924-ba42-7ef832515d57\u002Felement\u002F2846b5fa-430c-460b-ac13-bd4bd7302db0","type":"text","family-id":"99dc2e85-95fa-4265-b606-1608648d4615","title":"","id":"2846b5fa-430c-460b-ac13-bd4bd7302db0","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಬ್ರೋಕರೇಜ್ ಕಂಪನಿಗಳು ಡಿಪಾಸಿಟರಿಯ ಏಜೆಂಟ್ ಆಗಿ ಕೆಲಸ ನಿರ್ವಹಿಸುವ ಸಂಸ್ಥೆಗಳಷ್ಟೇ. ಇವು ಹೂಡಿಕೆದಾರರ ಹಾಗೂ ಡಿಪಾಸಿಟರಿಯ ನಡುವೆ ಸಂವಹನ ಕಲ್ಪಿಸುವ ದಲ್ಲಾಳಿ ಕೆಲಸವನ್ನಷ್ಟೇ ಮಾಡುತ್ತವೆ. ನೀವು ಯಾವುದೇ ಕಂಪನಿಯ ಷೇರುಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿದಾಗ ಲಾಭಾಂಶದ ಮಾಲೀಕರಾಗಿರುತ್ತೀರಿ. ಡಿಪಾಸಿಟರಿಯು ಇವನ್ನು ನಿರ್ವಹಿಸುತ್ತದೆ. ನೀವು ಡಿಮ್ಯಾಟ್ ಖಾತೆ ಹೊಂದಿರುವುದು ಡಿಪಾಸಿಟರಿಗಳಲ್ಲೇ ಹೊರತು ಬ್ರೋಕರೇಜ್ ಕಂಪನಿಗಳಲ್ಲಿ ಅಲ್ಲ. ನಿಮ್ಮ ಪ್ರಶ್ನೆಯಂತೆ ಬ್ರೋಕರೇಜ್ ಸಂಸ್ಥೆಯು ದಿವಾಳಿಯಾದರೆ ಹೂಡಿಕೆದಾರರ ಖಾತೆಯ ಷೇರುಗಳನ್ನು ಅವರ ಆಯ್ಕೆಯಂತೆ ಇತರೆ ಯಾವುದೇ ಬ್ರೋಕರೇಜ್ ಸಂಸ್ಥೆಗಳಿಗೆ ವರ್ಗಾಯಿಸಲಾಗುತ್ತದೆ. ನೀವು ಹೊಂದಿದ ಷೇರುಗಳು ಯಾವುದೇ ರೀತಿ ನಷ್ಟವಾಗುತ್ತವೆ ಎಂಬ ಆತಂಕ ಬೇಡ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F809a841c-3732-4924-ba42-7ef832515d57\u002Felement\u002Fbe37d5e2-f39a-4b5b-8271-a37967ef40c6","type":"text","family-id":"95bef594-0bf9-4c9c-9ef8-18ad3019d3ee","title":"","id":"be37d5e2-f39a-4b5b-8271-a37967ef40c6","metadata":{},"subtype":null,"text":"\u003Cp\u003Eನಿಮ್ಮ ಈ ಸಮಸ್ಯೆಯನ್ನು ಇನ್ನೂ ಒಂದು ಆಯಾಮದಿಂದ ಯೋಚಿಸೋಣ. ನಿಮ್ಮ ಷೇರು ವ್ಯವಹಾರದ ಖಾತೆಯಲ್ಲಿರುವ ಹಣವನ್ನು ಬ್ರೋಕರೇಜ್ ಸಂಸ್ಥೆಯು ಅನಧಿಕೃತವಾಗಿ ಉಪಯೋಗಿಸಿದರೆ ಏನಾಗುತ್ತದೆ ಎಂಬುದು ಒಂದು ಗಂಭೀರ ಸವಾಲು. ಇಂತಹ ಸಂದರ್ಭದಲ್ಲಿ ಸೆಬಿ ತನ್ನ ಗ್ರಾಹಕರ\u002F ಹೂಡಿಕೆದಾರರ ಹಿತ ಕಾಪಾಡಲು ಪ್ರತ್ಯೇಕವಾದ ‘ಸ್ಕೋರ್’ ಎಂಬ  ಆ್ಯಪ್‌ ರೂಪಿಸಿದೆ. ಇದಕ್ಕೆ ನೋಂದಣಿ ಆಗುವ ಮೂಲಕ ಹೂಡಿಕೆದಾರರು ಸೆಬಿಯ ಅವಗಾಹನೆಗೆ ಯಾವುದೇ ವಿಚಾರಗಳನ್ನು ತರಬಹುದಾಗಿದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F809a841c-3732-4924-ba42-7ef832515d57\u002Felement\u002Ff3c9f69e-150b-4876-9522-f81b63bf99bf","type":"text","family-id":"f243496d-8dc9-43d8-a972-a4c45acbb866","title":"","id":"f3c9f69e-150b-4876-9522-f81b63bf99bf","metadata":{},"subtype":"question","text":"\u003Cp\u003Eನಾನು ಕಳೆದ ಕೆಲವು ವರ್ಷಗಳಿಂದ ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುತ್ತಿದ್ದೇನೆ. ಆದರೆ, ಕಾರಣಾಂತರದಿಂದ ಈ ಬಾರಿ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಲಿಲ್ಲ. ನನ್ನ ವಾರ್ಷಿಕ ಆದಾಯ ಸುಮಾರು ₹10 ಲಕ್ಷ ಇದೆ. ಇದರಲ್ಲಿ ವೇತನ ಆದಾಯವು ಒಟ್ಟಾರೆ ₹7 ಲಕ್ಷ ಇದೆ. ಅಲ್ಲದೆ, ನನ್ನ ಸ್ವಂತ ಹೆಸರಿನಲ್ಲಿ ಮನೆಯವರು ಸಣ್ಣ ಅಂಗಡಿಯೊಂದನ್ನು ಈ ವರ್ಷದಿಂದ ನಡೆಸುತ್ತಿದ್ದಾರೆ. ಇದರಿಂದ ವರ್ಷಕ್ಕೆ ಬರುವ ಲಾಭ ಸುಮಾರು ₹3 ಲಕ್ಷ ಆಗಿದೆ . ಬಹುತೇಕ ಜನರು ಫೋನ್ ಪೇ, ಗೂಗಲ್ ಪೇ ಹಾಗೂ ಭೀಮ್ ಅಪ್ಲಿಕೇಶನ್ ಮೂಲಕ ಪಾವತಿ ಮಾಡುತ್ತಾರೆ. ಅಲ್ಲದೆ ನಗದು ವ್ಯವಹಾರವೂ ಇದೆ. ನಾನು ಸಾಮಗ್ರಿಗಳ ಖರೀದಿಗೂ ಬ್ಯಾಂಕ್ ಹಾಗೂ ನಗದು ಮೂಲಕ ಪಾವತಿಸುತ್ತಿದ್ದೇನೆ. ನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ ನಾನು ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಲು ಡಿಸೆಂಬರ್ ತಿಂಗಳೊಳಗೆ ಸಾಧ್ಯವಾಗದಿದ್ದರೆ ಆಗಬಹುದಾದ ಪರಿಣಾಮ ಏನೇನು? ನನ್ನ ವ್ಯವಹಾರಕ್ಕೆ ಸಂಬಂಧಿಸಿ ಅನೇಕ ಮಾಹಿತಿ ಸಂಗ್ರಹಿಸಲು ಇಷ್ಟೊಂದು ತಡವಾಯಿತು. ಈ ಬಗ್ಗೆ ಸೂಕ್ತ ಮಾಹಿತಿ ನೀಡಿ. - \u003Cstrong\u003Eಹೆಸರು, ಊರು ಬೇಡ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F809a841c-3732-4924-ba42-7ef832515d57\u002Felement\u002F55feab91-6491-4e94-b5c4-08508df2654d","type":"text","family-id":"5d2f42e2-99ac-4119-8e9b-27089bda1545","title":"","id":"55feab91-6491-4e94-b5c4-08508df2654d","metadata":{},"subtype":null,"text":" \u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ\u003C\u002Fstrong\u003E: ಡಿಸೆಂಬರ್ 31 ತಡವಾಗಿ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಲು ಇರುವ ಕಾಲ ಮಿತಿಯಾಗಿದೆ. ಬಾಕಿ ತೆರಿಗೆ ಅಲ್ಲದೆ ಹೆಚ್ಚುವರಿ ಶುಲ್ಕ ₹5 ಸಾವಿರ ಪಾವತಿಸಿ ತಡವಾಗಿಯಾದರೂ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಲು ಇನ್ನೂ ಅವಕಾಶವಿದೆ. ನಿಮಗೆ ಸೆಕ್ಷನ್ 234ಎ, ಬಿ, ಸಿ ಅಡಿ ತಡವಾದ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಕೆಗೆ ಹಾಗೂ ಯಾವುದೇ ಮುಂಗಡ ತೆರಿಗೆ ಪಾವತಿ ಬಾಕಿ ಇದ್ದರೆ ಅದಕ್ಕೂ ಬಡ್ಡಿ ತೆರಬೇಕಾಗುತ್ತದೆ. ಅಲ್ಲದೆ, ಸಾಮಾನ್ಯ ನಿಯಮದ ಪ್ರಕಾರ ಸೆಕ್ಷನ್ 44ಎಡಿ ಇದರಡಿ ನಿಮ್ಮ ವಹಿವಾಟಿನ ಶೇ 8 ಅಥವಾ 6ರ ದರದಲ್ಲಿ ಲಾಭ ನಿರ್ಧರಿಸಿ ತೆರಿಗೆ ನಿರ್ಣಯಿಸುವ ಅವಕಾಶ ಇದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F809a841c-3732-4924-ba42-7ef832515d57\u002Felement\u002F8392400f-b482-4d0a-910d-7781d77f462b","type":"text","family-id":"e0c16d7f-5f06-41fe-ac40-739fbd4a7591","title":"","id":"8392400f-b482-4d0a-910d-7781d77f462b","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಆದರೆ, ನಿಗದಿತ ಗಡುವಿನ ನಂತರ (ಜುಲೈ 31) ಸಲ್ಲಿಸುವ ರಿಟರ್ನ್ಸ್‌ಗಳನ್ನು ಈ ಅವಕಾಶದಿಂದ ಹೊರಗಿಡಲಾಗಿದೆ. ನಿಮ್ಮ ವೇತನ ಆದಾಯದೊಡನೆ ವ್ಯಾಪಾರದ ಬಗೆಗಿನ ಮಾಹಿತಿಯುಳ್ಳ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಲು ತೆರಿಗೆ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸಿ.\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1735144859512,"content-version-id":"16e72c12-73fa-4e30-a60a-1c63bfd40c46","card-added-at":1735133121209,"status":"draft","id":"7a097221-610c-4bd9-a353-fea12ead6ddc","content-id":"7a097221-610c-4bd9-a353-fea12ead6ddc","version":15,"metadata":{"social-share":{"shareable":false,"title":"ರಿಯಾಯಿತಿ ನೀಡುವ ಬ್ರೋಕರೇಜ್ ಕಂಪನಿ ಮುಚ್ಚಿದರೆ ಖರೀದಿಸಿದ ಷೇರುಗಳು ಏನಾಗುತ್ತವೆ?","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-12-25\u002F53wlnnn3\u002Ffile725uzq1gknp61sue8jo.jpg","url":null,"attribution":null,"alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಪ್ರಾತಿನಿಧಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"width":1200,"height":800,"mime-type":"image\u002Fjpeg","file-size":137375,"file-name":"file725uzq1gknp61sue8jo.jpg","focus-point":[600,400]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fwhat-happens-to-the-shares-bought-if-the-discount-brokerage-company-closes-down-3101690","story-version-id":"596c5c37-3ed2-4287-a52e-f582b4fa56be","content-type":"story","content-updated-at":1735173959838,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1735173960000,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಪ್ರಾತಿನಿಧಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":15,"story-template":"syndicated","sequence-no":null,"created-at":1735144859281,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ ಸುದ್ದಿ"]},"imported-card-id":"7a097221-610c-4bd9-a353-fea12ead6ddc","card-share":{"shareable":false}},"publish-at":1735173960000,"assignee-name":"syndication"}},{"id":"4d6cd69d-27ae-44eb-8d50-7f44e774d0e3","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ: ಅಂ.ರಾ ಫಂಡ್, ವಿದೇಶಿ ಷೇರುಗಳಲ್ಲಿ ಹೂಡಿಕೆ ನಿಜಕ್ಕೂ ಲಾಭದಾಯಕವೇ?"]},"story":{"updated-at":1734555338627,"seo":{"meta-description":"ಕೆಲವು ವರ್ಷಗಳ ಹಿಂದೆ ಕಪ್ಪು–ಬಿಳುಪಿನ ಪ್ಯಾನ್ ಕಾರ್ಡ್ ನೀಡಲಾಗುತ್ತಿತ್ತು. ತದ ನಂತರ ಬಂದ ಫೋಟೊಸಹಿತ ಕಾರ್ಡ್‌ಗಳಲ್ಲೂ ಕ್ಯೂಆರ್ ಕೋಡ್ ಇಲ್ಲದ ಪ್ಯಾನ್ ನೀಡಲಾಗುತ್ತಿತ್ತು.\n\n","meta-keywords":["Financial advice","Financial assistance"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5514639,"name":"Financial assistance","meta-description":null,"meta-title":null,"slug":"financial-assistance","tag-type":"Tag"},{"id":5514883,"name":"Financial advice","meta-description":null,"meta-title":null,"slug":"financial-advice","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ಅಂ.ರಾ ಫಂಡ್, ವಿದೇಶಿ ಷೇರುಗಳಲ್ಲಿ ಹೂಡಿಕೆ ನಿಜಕ್ಕೂ ಲಾಭದಾಯಕವೇ?","storyline-id":null,"votes":{},"story-content-id":"4d6cd69d-27ae-44eb-8d50-7f44e774d0e3","slug":"business\u002Fprashnottara\u002Ffinancial-expert-advice-about-stock-investments-and-central-govt-pan-2-scheme-3091165","last-published-at":1734555348954,"public-identifier":"3091165","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1734431414028,"is-embargoed":false,"owner-name":"syndication","custom-slug":"financial expert advice about stock investments and central govt pan 2 scheme","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"original-url":"http:\u002F\u002Fdcxprod.tpml.in\u002Fdevice_dh\u002Foriginal5\u002F2022\u002F01-24\u002F28\u002Fd0\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","width":1280,"height":720,"focus-point":[650,246]},"comments":null,"word-count":485,"story-features":null,"entities":{},"published-at":1734555348954,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7yiphv3ynw448skfiv","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"4d6cd69d-27ae-44eb-8d50-7f44e774d0e3","hero-image-s3-key":"prajavani\u002F2024-12-18\u002Fjsi1dw16\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F4d6cd69d-27ae-44eb-8d50-7f44e774d0e3\u002Felement\u002F548186af-5285-4a89-884e-6a5c5ae49b0b","type":"text","family-id":"62c518da-b40c-4626-90cb-226b3c3ea74b","title":"","id":"548186af-5285-4a89-884e-6a5c5ae49b0b","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cem\u003E–ಶ್ರೀನಾಥ್, ಬೆಳಗಾವಿ.‌\u003C\u002Fem\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F4d6cd69d-27ae-44eb-8d50-7f44e774d0e3\u002Felement\u002F0da3bf21-e18b-401c-a8cd-f7bc5752c46b","type":"text","family-id":"a191c5d6-25c8-42de-b77c-6fbec8643567","title":"","id":"0da3bf21-e18b-401c-a8cd-f7bc5752c46b","metadata":{"question":"\u003Cp\u003Eನಾನು ಇತ್ತೀಚೆಗೆ ಕೇಂದ್ರ ಸರ್ಕಾರ ಪ್ರಕಟಿಸಿರುವ ಪ್ಯಾನ್ 2.0 ಯೋಜನೆ ಪ್ರಕಾರ ಕ್ಯೂಆರ್ ಕೋಡ್ ಇರುವ ಪ್ಯಾನ್ ಕಾರ್ಡ್ ಪಡೆಯಲು ಇಚ್ಛಿಸಿದ್ದೇನೆ. ಇದು ಕಡ್ಡಾಯ ಅಲ್ಲದಿದ್ದರೂ ಇದರಿಂದ ಯಾವುದಾದರು ಪ್ರಯೋಜನ ಇದೆಯೇ?\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eಕೆಲವು ವರ್ಷಗಳ ಹಿಂದೆ ಕಪ್ಪು–ಬಿಳುಪಿನ ಪ್ಯಾನ್ ಕಾರ್ಡ್ ನೀಡಲಾಗುತ್ತಿತ್ತು. ತದ ನಂತರ ಬಂದ ಫೋಟೊಸಹಿತ ಕಾರ್ಡ್‌ಗಳಲ್ಲೂ ಕ್ಯೂಆರ್ ಕೋಡ್ ಇಲ್ಲದ ಪ್ಯಾನ್ ನೀಡಲಾಗುತ್ತಿತ್ತು.\u003C\u002Fp\u003E\u003Cp\u003Eಸರ್ಕಾರವೇ ಹೇಳುವ ಪ್ರಕಾರ ಮುಂದೆ ಈ ‘ಪ್ಯಾನ್ 2.0’ ಮಾದರಿಯ ಪ್ಯಾನ್ ಕಾರ್ಡ್‌ ಹೆಚ್ಚಿನ ತಾಂತ್ರಿಕ ಅಂಶಗಳನ್ನು ಹೊಂದಿವೆ. ಪ್ಯಾನ್ ಬಳಸಿ ಡಿಜಿಟಲ್ ವೇದಿಕೆಗಳ ಮೂಲಕ ನಡೆಯುವ ವಂಚನೆಯ ಅಪಾಯದಿಂದ ಸುರಕ್ಷತೆ ನೀಡುತ್ತದೆ ಎಂದು ಹೇಳಲಾಗಿದೆ. ಅಂದರೆ ಒಬ್ಬರ ಪ್ಯಾನ್ ಸಂಖ್ಯೆ, ಫೋಟೊ ಮಾದರಿ ಬಳಸಿ ಅದರಲ್ಲಿನ ಮಾಹಿತಿಯಿಂದ ನಡೆಸುವ ಅಕ್ರಮ ವ್ಯವಹಾರ ಹಾಗೂ ಖಾತೆ ತೆರೆಯುವಿಕೆಯನ್ನು ಕ್ಯೂಆರ್ ಕೋಡ್ ಸ್ಕ್ಯಾನ್ ಮಾಡುವ ಮೂಲಕ ಪರಿಶೀಲಿಸಬಹುದಾಗಿದೆ ಎಂಬುದು ಇದರ ವೈಶಿಷ್ಟ್ಯ.\u003C\u002Fp\u003E\u003Cp\u003Eಈಗಾಗಲೇ, ನಿಮ್ಮ ಪ್ಯಾನ್ ಕಾರ್ಡ್ ಈ ಗುಣಾಂಶಗಳನ್ನು ಹೊಂದಿರದಿದ್ದರೆ ನೀವು ಕೂಡ ನವೀಕೃತ ಪ್ಯಾನ್‌ಗೆ ಎನ್‌ಎಸ್‌‌ಡಿಎಲ್ ಅಥವಾ ಯುಟಿಐ ಟಿಎಸ್‌ಎಲ್ ಪೋರ್ಟಲ್ ಮೂಲಕ ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ಅರ್ಜಿ ಸಲ್ಲಿಸಬಹುದು.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಇತ್ತೀಚೆಗೆ ಕೇಂದ್ರ ಸರ್ಕಾರ ಪ್ರಕಟಿಸಿರುವ ಪ್ಯಾನ್ 2.0 ಯೋಜನೆ ಪ್ರಕಾರ ಕ್ಯೂಆರ್ ಕೋಡ್ ಇರುವ ಪ್ಯಾನ್ ಕಾರ್ಡ್ ಪಡೆಯಲು ಇಚ್ಛಿಸಿದ್ದೇನೆ. ಇದು ಕಡ್ಡಾಯ ಅಲ್ಲದಿದ್ದರೂ ಇದರಿಂದ ಯಾವುದಾದರು ಪ್ರಯೋಜನ ಇದೆಯೇ?\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eಕೆಲವು ವರ್ಷಗಳ ಹಿಂದೆ ಕಪ್ಪು–ಬಿಳುಪಿನ ಪ್ಯಾನ್ ಕಾರ್ಡ್ ನೀಡಲಾಗುತ್ತಿತ್ತು. ತದ ನಂತರ ಬಂದ ಫೋಟೊಸಹಿತ ಕಾರ್ಡ್‌ಗಳಲ್ಲೂ ಕ್ಯೂಆರ್ ಕೋಡ್ ಇಲ್ಲದ ಪ್ಯಾನ್ ನೀಡಲಾಗುತ್ತಿತ್ತು.\u003C\u002Fp\u003E\u003Cp\u003Eಸರ್ಕಾರವೇ ಹೇಳುವ ಪ್ರಕಾರ ಮುಂದೆ ಈ ‘ಪ್ಯಾನ್ 2.0’ ಮಾದರಿಯ ಪ್ಯಾನ್ ಕಾರ್ಡ್‌ ಹೆಚ್ಚಿನ ತಾಂತ್ರಿಕ ಅಂಶಗಳನ್ನು ಹೊಂದಿವೆ. ಪ್ಯಾನ್ ಬಳಸಿ ಡಿಜಿಟಲ್ ವೇದಿಕೆಗಳ ಮೂಲಕ ನಡೆಯುವ ವಂಚನೆಯ ಅಪಾಯದಿಂದ ಸುರಕ್ಷತೆ ನೀಡುತ್ತದೆ ಎಂದು ಹೇಳಲಾಗಿದೆ. ಅಂದರೆ ಒಬ್ಬರ ಪ್ಯಾನ್ ಸಂಖ್ಯೆ, ಫೋಟೊ ಮಾದರಿ ಬಳಸಿ ಅದರಲ್ಲಿನ ಮಾಹಿತಿಯಿಂದ ನಡೆಸುವ ಅಕ್ರಮ ವ್ಯವಹಾರ ಹಾಗೂ ಖಾತೆ ತೆರೆಯುವಿಕೆಯನ್ನು ಕ್ಯೂಆರ್ ಕೋಡ್ ಸ್ಕ್ಯಾನ್ ಮಾಡುವ ಮೂಲಕ ಪರಿಶೀಲಿಸಬಹುದಾಗಿದೆ ಎಂಬುದು ಇದರ ವೈಶಿಷ್ಟ್ಯ.\u003C\u002Fp\u003E\u003Cp\u003Eಈಗಾಗಲೇ, ನಿಮ್ಮ ಪ್ಯಾನ್ ಕಾರ್ಡ್ ಈ ಗುಣಾಂಶಗಳನ್ನು ಹೊಂದಿರದಿದ್ದರೆ ನೀವು ಕೂಡ ನವೀಕೃತ ಪ್ಯಾನ್‌ಗೆ ಎನ್‌ಎಸ್‌‌ಡಿಎಲ್ ಅಥವಾ ಯುಟಿಐ ಟಿಎಸ್‌ಎಲ್ ಪೋರ್ಟಲ್ ಮೂಲಕ ಆನ್‌ಲೈನ್‌ನಲ್ಲಿ ಅರ್ಜಿ ಸಲ್ಲಿಸಬಹುದು.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F4d6cd69d-27ae-44eb-8d50-7f44e774d0e3\u002Felement\u002F28611516-fee9-48ea-a4cb-e608617c4d41","type":"text","family-id":"2f131548-46ca-4c2a-a321-fec6b7f8db36","title":"","id":"28611516-fee9-48ea-a4cb-e608617c4d41","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cem\u003E– ಚೇತನ್ ಕುಮಾರ್, ಮಾಗಡಿ.\u003C\u002Fem\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F4d6cd69d-27ae-44eb-8d50-7f44e774d0e3\u002Felement\u002F2bcfd2d2-9a3d-450f-83e6-03781feccf2c","type":"text","family-id":"b3aa4809-2303-4a6b-8ea9-d8facff6bec7","title":"","id":"2bcfd2d2-9a3d-450f-83e6-03781feccf2c","metadata":{"question":"\u003Cp\u003Eನಾನು ಕಳೆದ ಐದು ವರ್ಷಗಳಿಂದ ಟೆಕ್ ಕಂಪನಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಆರಂಭಿಸಿದ್ದೇನೆ. ಇದರಲ್ಲಿ ಷೇರು ಹಾಗೂ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಎರಡೂ ವಿಭಾಗದ ಹೂಡಿಕೆ ಇದೆ. ಸಾಮಾನ್ಯವಾಗಿ ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆಗಳು ಅಧಿಕ ಲಾಭ ತರುವ ಹೂಡಿಕೆಗಳಾಗಿವೆ ಎಂಬುದು ಎಲ್ಲರ ಅಭಿಪ್ರಾಯ. ನಾನು ಎಸ್‌ಐಪಿಗಳನ್ನೂ ಹೊಂದಿದ್ದೇನೆ.  ಏಕ ಕಂತಿನ ಹೂಡಿಕೆ ಸಹ ಮಾಡುತ್ತಿದ್ದೇನೆ. ನಿಧಾನವಾಗಿ ಪ್ರತಿ ತಿಂಗಳು ₹50 ಸಾವಿರ ಉಳಿತಾಯವನ್ನು ಹೂಡಿಕೆಗೆ ಬಳಸುವ ಗುರಿ ಹೊಂದಿದ್ದೇನೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ರೀತಿ ಹೂಡಿಕೆ ಮಾಡುವಾಗ ನಾವು ಹೆಚ್ಚಾಗಿ ನಮ್ಮ ದೇಶೀಯ ಮಾರುಕಟ್ಟೆಯ ಹೂಡಿಕೆ ಉತ್ಪನ್ನಗಳನ್ನು ಮಾತ್ರ ಆಯ್ಕೆ ಮಾಡುತ್ತೇವೆ. ಇಂದಿನ ದಿನಗಳಲ್ಲಿ ಮಾಹಿತಿ ಲಭ್ಯತೆಯಿಂದ ಅಂತರರಾಷ್ಟ್ರೀಯ ಫಂಡ್, ಗೋಲ್ಡ್ ಫಂಡ್, ಕಮೋಡಿಟಿ ಫಂಡ್ ಹಾಗೂ ವಿದೇಶಿ ಷೇರುಗಳಲ್ಲೂ ಹೂಡಿಕೆ ಮಾಡಲು ಸಾಕಷ್ಟು ಅವಕಾಶ ಇದೆ ಎಂದು ಕೇಳಿದ್ದೇನೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಾವು ಇದಕ್ಕೆ ಯಾವ ರೀತಿ ಪ್ರಯತ್ನಿಸಬಹುದು. ಇದು ನಿಜಕ್ಕೂ ಲಾಭದಾಯಕವೇ? ಒಂದು ವೇಳೆ ಅಂತಹ ಹೂಡಿಕೆ ಸಾಧ್ಯವಾದರೆ ಯಾವ ರೀತಿ ಮುಂದುವರಿಯಬಹುದು. ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ.\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನಿಮ್ಮ ಬದುಕಿನ ಆದ್ಯ ಹಂತದಲ್ಲಿ ನೀವು ಹೂಡಿಕೆ ಬಗ್ಗೆ ಬಹಳ ಆಸಕ್ತಿ ಹೊಂದಿರುವುದು ಶ್ಲಾಘನೀಯ. ಪ್ರತಿ ತಿಂಗಳು ₹50 ಸಾವಿರದಂತೆ ಹೂಡಿಕೆ ಮಾಡುವ ನಿಮ್ಮ ಉದ್ದೇಶವು ವಾರ್ಷಿಕವಾಗಿ ₹6 ಲಕ್ಷ ಮೊತ್ತವು ನಿಮ್ಮ ಉಳಿತಾಯದ ಭಾಗವಾಗಿ ಪ್ರತಿವರ್ಷ ಸಂಚಯಿಸಲಿದೆ. ಸಾಮಾನ್ಯವಾಗಿ ಈ ಮೊತ್ತವನ್ನು ಬ್ಯಾಂಕಿನ ಉಳಿತಾಯ ಖಾತೆ ಅಥವಾ ನಿಶ್ಚಿತ ಠೇವಣಿ ಖಾತೆಯಲ್ಲಿ ಇಟ್ಟಾಗ ಶೇ 4ರಿಂದ ಶೇ 8ರಷ್ಟು ಬಡ್ಡಿ ಸಿಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಈ ನಿಖರ ಆದಾಯಕ್ಕಿಂತ ಅಧಿಕ ಆದಾಯ ಬೇಕೆಂದು ನಿರೀಕ್ಷಿಸಿದಾಗ ಸಹಜವಾಗಿ ಅದಕ್ಕೆ ಅದರದ್ದೇ ಆದ ಆರ್ಥಿಕ ಅಪಾಯದ ಜೊತೆ ಸಿಗುವ ಲಾಭದ ಮೇಲೆ ಒಂದಷ್ಟು ಅನಿಶ್ಚಿತತೆ ಸಮಸ್ಯೆಯೂ ಇರುತ್ತದೆ. ಇದನ್ನು ನಾವು ಎಷ್ಟು ಸಮರ್ಥವಾಗಿ ಹಾಗೂ ಮಾಹಿತಿಯುಕ್ತವಾಗಿ ನಿರ್ವಹಿಸುತ್ತೇವೋ ಅಷ್ಟು ನಮ್ಮ ಲಾಭ, ಸಾಮಾನ್ಯ  ಹೂಡಿಕೆಗಿಂತ ಹೆಚ್ಚಿರುತ್ತದೆ. ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಮತ್ತು ನಿರಂತರ ಹೂಡಿಕೆಯಲ್ಲಿ ಈ ಸಣ್ಣ ಪ್ರತಿಶತದ (ಶೇ 1ರಿಂದ ಶೇ 2ರಷ್ಟು) ಹೆಚ್ಚುವರಿ ಲಾಭವು ಅನೇಕ ಪಟ್ಟು ನಮ್ಮ ಗಳಿಕೆಯನ್ನು ಹೆಚ್ಚಿಸುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಉಲ್ಲೇಖಿಸಿದಂತೆ ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಅನೇಕ ಹೂಡಿಕೆ ಉತ್ಪನ್ನಗಳಿವೆ. ಹಲವು ಆಯ್ಕೆಗಳು ಇವೆ. ಅಂತರ ರಾಷ್ಟ್ರೀಯ ಫಂಡ್, ಗೋಲ್ಡ್ ಫಂಡ್, ಕಮೋಡಿಟಿ ಫಂಡ್ ಹಾಗೂ ವಿದೇಶಿ ಷೇರುಗಳಲ್ಲೂ ಹೂಡಿಕೆ ಮಾಡಲು ಸಾಕಷ್ಟು ಅವಕಾಶ ಇದೆ. ಈ ಎಲ್ಲ ಹೂಡಿಕೆಗಳು ವಿಭಿನ್ನ ರೀತಿಯ ಮಾರುಕಟ್ಟೆ ಅಪಾಯ ಹೊಂದಿವೆ ಅಥವಾ ನಮ್ಮ ಆಳವಾದ ಮಾಹಿತಿಯ ತಿಳಿವನ್ನು ನಿರೀಕ್ಷಿಸುತ್ತವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಉದಾಹರಣೆಗೆ  ಕಮೋಡಿಟಿ ಹಾಗೂ ಚಿನ್ನದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳು ಕಮೋಡಿಟಿ ಹಾಗೂ ಚಿನ್ನದ ಅಂತರರಾಷ್ಟ್ರೀಯ ಬೆಲೆ ಹಾಗೂ ಜಾಗತಿಕ ವಿದ್ಯಮಾನ, ವಿದೇಶಿ ವಿನಿಮಯ ದರ ಇತ್ಯಾದಿಯನ್ನು ಹೆಚ್ಚಾಗಿ ಪರಿಗಣಿಸಿದರೆ, ವಿದೇಶಿ ಷೇರುಗಳು ಆಯಾ ದೇಶದ ಆಂತರಿಕ ಹಾಗೂ ಕಂಪನಿಯ ಕಾರ್ಯ ಕ್ಷೇತ್ರ - ಉದ್ದಿಮೆಯ ಒಟ್ಟಾರೆ ವೃದ್ಧಿ ಇತ್ಯಾದಿ ವಿಚಾರವನ್ನು ಅವಲಂಬಿಸಿವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಹೀಗಾಗಿ ಹೂಡಿಕೆ ನಿರ್ಣಯದ ಹಿಂದೆ ಈ ವಿಚಾರಗಳು ನಮ್ಮ ಹೂಡಿಕೆ ಮೇಲೆ ಯಾವ ರೀತಿ ಪರಿಣಾಮ ಬೀರುತ್ತವೆ ಎನ್ನುವ ಮಾಹಿತಿಯನ್ನು ಕಲೆ ಹಾಕುವ ಹಾಗೂ ಅದನ್ನು ವಾಸ್ತವ ಸ್ಥಿತಿಗೆ ಹೊಸೆದು ನೋಡುವ ಸಾಮರ್ಥ್ಯ ನಮ್ಮಲ್ಲಿದ್ದರೆ ಹೂಡಿಕೆ ಮಾಡುವುದು ಸುಲಭ. ಈ ಬಗ್ಗೆ ಅರಿತು ವ್ಯವಹರಿಸು ವುದು ಯಾವತ್ತೂ ಅಪಾಯರಹಿತ ಹೂಡಿಕೆಗೆ ಸೋಪಾನ. ಈ ಮೇಲಿನ ಉತ್ಪನ್ನಗಳನ್ನು ದೇಶೀಯ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳೇ ಹೂಡಿಕೆದಾರರಿಗೆ ಖರೀದಿ-ಮಾರಾಟ ಮಾಡುವ ಸೇವೆ ನೀಡುತ್ತವೆ. ಇದನ್ನು ನಿಮ್ಮ ಈಗಿನ ಫೋಲಿಯೊ ಖಾತೆ ಮೂಲಕ ವ್ಯವಹರಿಸಬಹುದು.  \u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನು ವಿದೇಶಿ ಷೇರುಗಳ ಬಗ್ಗೆ ಹೇಳುವುದಾದರೆ ಇವು ಕೂಡ ಬಹುತೇಕ ಆಯಾ ದೇಶೀಯ ಆಡಳಿತ ನೀತಿ, ಅಂತರ ರಾಷ್ಟ್ರೀಯ ವ್ಯವಹಾರ, ಆಯಾ ಕಂಪನಿಯ ಲಾಭ, ನಷ್ಟ, ಅವುಗಳ ನಿರ್ವಹಣಾ ಮಂಡಳಿಯ ಗುಣಮಟ್ಟ ಇತ್ಯಾದಿ ಅನೇಕ ಮಾಹಿತಿಯ ಆಧಾರದಲ್ಲಿ ನಡೆಯುತ್ತವೆ. ಹೀಗಾಗಿ, ಸಮರ್ಪಕ ಹೂಡಿಕೆಗೆ ನಮ್ಮ ಸಮಯ ಹಾಗೂ ಉತ್ತಮ ನಿರ್ಧಾರವನ್ನು ನಿರೀಕ್ಷಿಸುತ್ತದೆ. ಈ ವಿಚಾರದಲ್ಲಿ ಯೋಚಿಸುವ ಮುನ್ನ ದೇಶೀಯ ಮಾರುಕಟ್ಟೆ ಬಗ್ಗೆ ಹೆಚ್ಚಿನ ಮಾಹಿತಿ, ಗೆಲುವಿನ ಅನುಭವ ಎರಡೂ ಇರುವುದು ಸೂಕ್ತ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಕಳೆದ ಐದು ವರ್ಷಗಳಿಂದ ಟೆಕ್ ಕಂಪನಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಆರಂಭಿಸಿದ್ದೇನೆ. ಇದರಲ್ಲಿ ಷೇರು ಹಾಗೂ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಎರಡೂ ವಿಭಾಗದ ಹೂಡಿಕೆ ಇದೆ. ಸಾಮಾನ್ಯವಾಗಿ ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆಗಳು ಅಧಿಕ ಲಾಭ ತರುವ ಹೂಡಿಕೆಗಳಾಗಿವೆ ಎಂಬುದು ಎಲ್ಲರ ಅಭಿಪ್ರಾಯ. ನಾನು ಎಸ್‌ಐಪಿಗಳನ್ನೂ ಹೊಂದಿದ್ದೇನೆ.  ಏಕ ಕಂತಿನ ಹೂಡಿಕೆ ಸಹ ಮಾಡುತ್ತಿದ್ದೇನೆ. ನಿಧಾನವಾಗಿ ಪ್ರತಿ ತಿಂಗಳು ₹50 ಸಾವಿರ ಉಳಿತಾಯವನ್ನು ಹೂಡಿಕೆಗೆ ಬಳಸುವ ಗುರಿ ಹೊಂದಿದ್ದೇನೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ರೀತಿ ಹೂಡಿಕೆ ಮಾಡುವಾಗ ನಾವು ಹೆಚ್ಚಾಗಿ ನಮ್ಮ ದೇಶೀಯ ಮಾರುಕಟ್ಟೆಯ ಹೂಡಿಕೆ ಉತ್ಪನ್ನಗಳನ್ನು ಮಾತ್ರ ಆಯ್ಕೆ ಮಾಡುತ್ತೇವೆ. ಇಂದಿನ ದಿನಗಳಲ್ಲಿ ಮಾಹಿತಿ ಲಭ್ಯತೆಯಿಂದ ಅಂತರರಾಷ್ಟ್ರೀಯ ಫಂಡ್, ಗೋಲ್ಡ್ ಫಂಡ್, ಕಮೋಡಿಟಿ ಫಂಡ್ ಹಾಗೂ ವಿದೇಶಿ ಷೇರುಗಳಲ್ಲೂ ಹೂಡಿಕೆ ಮಾಡಲು ಸಾಕಷ್ಟು ಅವಕಾಶ ಇದೆ ಎಂದು ಕೇಳಿದ್ದೇನೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಾವು ಇದಕ್ಕೆ ಯಾವ ರೀತಿ ಪ್ರಯತ್ನಿಸಬಹುದು. ಇದು ನಿಜಕ್ಕೂ ಲಾಭದಾಯಕವೇ? ಒಂದು ವೇಳೆ ಅಂತಹ ಹೂಡಿಕೆ ಸಾಧ್ಯವಾದರೆ ಯಾವ ರೀತಿ ಮುಂದುವರಿಯಬಹುದು. ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನಿಮ್ಮ ಬದುಕಿನ ಆದ್ಯ ಹಂತದಲ್ಲಿ ನೀವು ಹೂಡಿಕೆ ಬಗ್ಗೆ ಬಹಳ ಆಸಕ್ತಿ ಹೊಂದಿರುವುದು ಶ್ಲಾಘನೀಯ. ಪ್ರತಿ ತಿಂಗಳು ₹50 ಸಾವಿರದಂತೆ ಹೂಡಿಕೆ ಮಾಡುವ ನಿಮ್ಮ ಉದ್ದೇಶವು ವಾರ್ಷಿಕವಾಗಿ ₹6 ಲಕ್ಷ ಮೊತ್ತವು ನಿಮ್ಮ ಉಳಿತಾಯದ ಭಾಗವಾಗಿ ಪ್ರತಿವರ್ಷ ಸಂಚಯಿಸಲಿದೆ. ಸಾಮಾನ್ಯವಾಗಿ ಈ ಮೊತ್ತವನ್ನು ಬ್ಯಾಂಕಿನ ಉಳಿತಾಯ ಖಾತೆ ಅಥವಾ ನಿಶ್ಚಿತ ಠೇವಣಿ ಖಾತೆಯಲ್ಲಿ ಇಟ್ಟಾಗ ಶೇ 4ರಿಂದ ಶೇ 8ರಷ್ಟು ಬಡ್ಡಿ ಸಿಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಈ ನಿಖರ ಆದಾಯಕ್ಕಿಂತ ಅಧಿಕ ಆದಾಯ ಬೇಕೆಂದು ನಿರೀಕ್ಷಿಸಿದಾಗ ಸಹಜವಾಗಿ ಅದಕ್ಕೆ ಅದರದ್ದೇ ಆದ ಆರ್ಥಿಕ ಅಪಾಯದ ಜೊತೆ ಸಿಗುವ ಲಾಭದ ಮೇಲೆ ಒಂದಷ್ಟು ಅನಿಶ್ಚಿತತೆ ಸಮಸ್ಯೆಯೂ ಇರುತ್ತದೆ. ಇದನ್ನು ನಾವು ಎಷ್ಟು ಸಮರ್ಥವಾಗಿ ಹಾಗೂ ಮಾಹಿತಿಯುಕ್ತವಾಗಿ ನಿರ್ವಹಿಸುತ್ತೇವೋ ಅಷ್ಟು ನಮ್ಮ ಲಾಭ, ಸಾಮಾನ್ಯ  ಹೂಡಿಕೆಗಿಂತ ಹೆಚ್ಚಿರುತ್ತದೆ. ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಮತ್ತು ನಿರಂತರ ಹೂಡಿಕೆಯಲ್ಲಿ ಈ ಸಣ್ಣ ಪ್ರತಿಶತದ (ಶೇ 1ರಿಂದ ಶೇ 2ರಷ್ಟು) ಹೆಚ್ಚುವರಿ ಲಾಭವು ಅನೇಕ ಪಟ್ಟು ನಮ್ಮ ಗಳಿಕೆಯನ್ನು ಹೆಚ್ಚಿಸುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಉಲ್ಲೇಖಿಸಿದಂತೆ ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಅನೇಕ ಹೂಡಿಕೆ ಉತ್ಪನ್ನಗಳಿವೆ. ಹಲವು ಆಯ್ಕೆಗಳು ಇವೆ. ಅಂತರ ರಾಷ್ಟ್ರೀಯ ಫಂಡ್, ಗೋಲ್ಡ್ ಫಂಡ್, ಕಮೋಡಿಟಿ ಫಂಡ್ ಹಾಗೂ ವಿದೇಶಿ ಷೇರುಗಳಲ್ಲೂ ಹೂಡಿಕೆ ಮಾಡಲು ಸಾಕಷ್ಟು ಅವಕಾಶ ಇದೆ. ಈ ಎಲ್ಲ ಹೂಡಿಕೆಗಳು ವಿಭಿನ್ನ ರೀತಿಯ ಮಾರುಕಟ್ಟೆ ಅಪಾಯ ಹೊಂದಿವೆ ಅಥವಾ ನಮ್ಮ ಆಳವಾದ ಮಾಹಿತಿಯ ತಿಳಿವನ್ನು ನಿರೀಕ್ಷಿಸುತ್ತವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಉದಾಹರಣೆಗೆ  ಕಮೋಡಿಟಿ ಹಾಗೂ ಚಿನ್ನದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳು ಕಮೋಡಿಟಿ ಹಾಗೂ ಚಿನ್ನದ ಅಂತರರಾಷ್ಟ್ರೀಯ ಬೆಲೆ ಹಾಗೂ ಜಾಗತಿಕ ವಿದ್ಯಮಾನ, ವಿದೇಶಿ ವಿನಿಮಯ ದರ ಇತ್ಯಾದಿಯನ್ನು ಹೆಚ್ಚಾಗಿ ಪರಿಗಣಿಸಿದರೆ, ವಿದೇಶಿ ಷೇರುಗಳು ಆಯಾ ದೇಶದ ಆಂತರಿಕ ಹಾಗೂ ಕಂಪನಿಯ ಕಾರ್ಯ ಕ್ಷೇತ್ರ - ಉದ್ದಿಮೆಯ ಒಟ್ಟಾರೆ ವೃದ್ಧಿ ಇತ್ಯಾದಿ ವಿಚಾರವನ್ನು ಅವಲಂಬಿಸಿವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಹೀಗಾಗಿ ಹೂಡಿಕೆ ನಿರ್ಣಯದ ಹಿಂದೆ ಈ ವಿಚಾರಗಳು ನಮ್ಮ ಹೂಡಿಕೆ ಮೇಲೆ ಯಾವ ರೀತಿ ಪರಿಣಾಮ ಬೀರುತ್ತವೆ ಎನ್ನುವ ಮಾಹಿತಿಯನ್ನು ಕಲೆ ಹಾಕುವ ಹಾಗೂ ಅದನ್ನು ವಾಸ್ತವ ಸ್ಥಿತಿಗೆ ಹೊಸೆದು ನೋಡುವ ಸಾಮರ್ಥ್ಯ ನಮ್ಮಲ್ಲಿದ್ದರೆ ಹೂಡಿಕೆ ಮಾಡುವುದು ಸುಲಭ. ಈ ಬಗ್ಗೆ ಅರಿತು ವ್ಯವಹರಿಸು ವುದು ಯಾವತ್ತೂ ಅಪಾಯರಹಿತ ಹೂಡಿಕೆಗೆ ಸೋಪಾನ. ಈ ಮೇಲಿನ ಉತ್ಪನ್ನಗಳನ್ನು ದೇಶೀಯ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳೇ ಹೂಡಿಕೆದಾರರಿಗೆ ಖರೀದಿ-ಮಾರಾಟ ಮಾಡುವ ಸೇವೆ ನೀಡುತ್ತವೆ. ಇದನ್ನು ನಿಮ್ಮ ಈಗಿನ ಫೋಲಿಯೊ ಖಾತೆ ಮೂಲಕ ವ್ಯವಹರಿಸಬಹುದು.  \u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನು ವಿದೇಶಿ ಷೇರುಗಳ ಬಗ್ಗೆ ಹೇಳುವುದಾದರೆ ಇವು ಕೂಡ ಬಹುತೇಕ ಆಯಾ ದೇಶೀಯ ಆಡಳಿತ ನೀತಿ, ಅಂತರ ರಾಷ್ಟ್ರೀಯ ವ್ಯವಹಾರ, ಆಯಾ ಕಂಪನಿಯ ಲಾಭ, ನಷ್ಟ, ಅವುಗಳ ನಿರ್ವಹಣಾ ಮಂಡಳಿಯ ಗುಣಮಟ್ಟ ಇತ್ಯಾದಿ ಅನೇಕ ಮಾಹಿತಿಯ ಆಧಾರದಲ್ಲಿ ನಡೆಯುತ್ತವೆ. ಹೀಗಾಗಿ, ಸಮರ್ಪಕ ಹೂಡಿಕೆಗೆ ನಮ್ಮ ಸಮಯ ಹಾಗೂ ಉತ್ತಮ ನಿರ್ಧಾರವನ್ನು ನಿರೀಕ್ಷಿಸುತ್ತದೆ. ಈ ವಿಚಾರದಲ್ಲಿ ಯೋಚಿಸುವ ಮುನ್ನ ದೇಶೀಯ ಮಾರುಕಟ್ಟೆ ಬಗ್ಗೆ ಹೆಚ್ಚಿನ ಮಾಹಿತಿ, ಗೆಲುವಿನ ಅನುಭವ ಎರಡೂ ಇರುವುದು ಸೂಕ್ತ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1734555336894,"content-version-id":"467b8e13-da61-44ff-a1d4-aa91832caf7d","card-added-at":1734431414226,"status":"draft","id":"b0f8966b-b118-4eaa-90dc-0f3811f44b58","content-id":"b0f8966b-b118-4eaa-90dc-0f3811f44b58","version":11,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ಅಂ.ರಾ ಫಂಡ್, ವಿದೇಶಿ ಷೇರುಗಳಲ್ಲಿ ಹೂಡಿಕೆ ನಿಜಕ್ಕೂ ಲಾಭದಾಯಕವೇ?","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-12-18\u002Fjsi1dw16\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","url":null,"attribution":null,"alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"original-url":"http:\u002F\u002Fdcxprod.tpml.in\u002Fdevice_dh\u002Foriginal5\u002F2022\u002F01-24\u002F28\u002Fd0\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","width":1280,"height":720,"focus-point":[650,246]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Ffinancial-expert-advice-about-stock-investments-and-central-govt-pan-2-scheme-3091165","story-version-id":"ee4d7fab-20b0-49c3-8b87-ae7abe638476","content-type":"story","content-updated-at":1734555349073,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1734555348954,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":12,"story-template":"syndicated","sequence-no":null,"created-at":1734555336889,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ ಸುದ್ದಿ"]},"imported-card-id":"b0f8966b-b118-4eaa-90dc-0f3811f44b58","card-share":{"shareable":false}},"publish-at":null,"assignee-name":"syndication"}},{"id":"2fb8d547-d600-4a75-aa27-e82a7807fe7d","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ: ನಿವೃತ್ತ ಸರ್ಕಾರಿ ನೌಕರ ಇನ್ಸೂರೆನ್ಸ್ ಏಜೆನ್ಸಿಲಿ ಕೆಲಸ ಮಾಡಬಹುದೇ?"]},"story":{"updated-at":1733948828168,"seo":{"meta-description":"ಪ್ರಶ್ನೋತ್ತರ: ನಿವೃತ್ತ ಸರ್ಕಾರಿ ನೌಕರ ಇನ್ಸೂರೆನ್ಸ್ ಏಜೆನ್ಸಿಲಿ ಕೆಲಸ ಮಾಡಬಹುದೇ? ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ ಅವರ ಪ್ರಶ್ನೋತ್ತರ ಅಂಕಣ","meta-keywords":["Personal Finance"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5513849,"name":"Personal Finance","meta-description":null,"meta-title":null,"slug":"personal-finance","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ನಿವೃತ್ತ ಸರ್ಕಾರಿ ನೌಕರ ಇನ್ಸೂರೆನ್ಸ್ ಏಜೆನ್ಸಿಲಿ ಕೆಲಸ ಮಾಡಬಹುದೇ?","storyline-id":null,"votes":{},"story-content-id":"2fb8d547-d600-4a75-aa27-e82a7807fe7d","slug":"business\u002Fprashnottara\u002Fprashnottara-can-a-retired-government-employee-work-in-an-insurance-agency-3081949","last-published-at":1733959860000,"public-identifier":"3081949","subheadline":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ ಅವರ ಪ್ರಶ್ನೋತ್ತರ ಅಂಕಣ","alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1733828408704,"is-embargoed":false,"owner-name":"syndication","custom-slug":"Prashnottara: Can a retired government employee work in an insurance agency?","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"focus-point":[386,195],"width":800,"height":450},"comments":null,"word-count":508,"story-features":null,"entities":{},"published-at":1733959860000,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7yf4fktmj9h149r9pf7b","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"2fb8d547-d600-4a75-aa27-e82a7807fe7d","hero-image-s3-key":"prajavani\u002F2024-10-21\u002Fov7up09r\u002Fkkklllp.jpg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F2fb8d547-d600-4a75-aa27-e82a7807fe7d\u002Felement\u002Ff2b1cb8f-8a8e-4fc2-a82d-a7985a466eab","type":"text","family-id":"649b40eb-544f-47c1-9f04-d16ea43a789e","title":"","id":"f2b1cb8f-8a8e-4fc2-a82d-a7985a466eab","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಶ್ನೆ: ವಿದ್ಯಾಸಾಗರ್, ಶಿರಸಿ\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003Eನಾನು ಕಳೆದ ಕೆಲವು ತಿಂಗಳಿನಿಂದ ಮ್ಯೂಚುವಲ್‌ ಫಂಡ್‌ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತಿದ್ದೇನೆ. ಇದರಲ್ಲಿ ಅನೇಕ ಈಕ್ವಿಟಿ ವಿಭಾಗದ ಎಸ್‌ಐಪಿ ಹೂಡಿಕೆ ಮತ್ತು ಕೆಲವು ಏಕ ಕಂತಿನ ಹೂಡಿಕೆ ಮಾಡುತ್ತಿದ್ದೇನೆ. ಈ ಎಸ್‌ಐಪಿ ಹೂಡಿಕೆಗಳಿಗಿಂತ ಏಕ ಕಂತಿನ ಹೂಡಿಕೆಗಳಲ್ಲಿ ಅಧಿಕ ಲಾಭ ಬಂದಂತೆ ಕಂಡು ಬರುತ್ತಿದೆ. ನಾನು ಓದಿ ತಿಳಿದ ಪ್ರಕಾರ, ಬಹುತೇಕ ಮಂದಿ ಏಕ ಕಂತಿನ ಹೂಡಿಕೆಗಿಂತ ಎಸ್‌ಐಪಿ ಹೂಡಿಕೆಗಳನ್ನೇ ಹೆಚ್ಚಾಗಿ ಸೂಚಿಸುತ್ತಾರೆ. ಜೊತೆಗೆ, ಆ ವರ್ಗದ ಹೂಡಿಕೆಗಳನ್ನು ಇಷ್ಟಪಡುತ್ತಾರೆ. ಬಹುತೇಕ ಮಂದಿಯ ಅನುಭವಕ್ಕಿಂತ ನನ್ನ ವೈಯಕ್ತಿಕ ಅನುಭವ ಭಿನ್ನವಾಗಿದೆ. ಹೀಗಿರುವಾಗ, ಇನ್ನು ಮುಂದೆ ಎಸ್‌ಐಪಿ ನಿಲ್ಲಿಸಿ ಸಕಾಲದಲ್ಲಿ ಏಕ ಕಂತಿನ ಹೂಡಿಕೆ ಮಾಡುವುದೇ ಸೂಕ್ತ ಎನ್ನುವ ಅಭಿಪ್ರಾಯ ತಳೆದಿದ್ದೇನೆ. ನನ್ನ ಜೊತೆ ನನ್ನ ಕೆಲವು ಸ್ನೇಹಿತರು ಕೂಡ ಇದೇ ಗೊಂದಲದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತಿದ್ದಾರೆ. ಈ ಬಗ್ಗೆ ನಿಮ್ಮ ಸಲಹೆ ಬಯಸುತ್ತೇನೆ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F2fb8d547-d600-4a75-aa27-e82a7807fe7d\u002Felement\u002F2b275431-e447-436f-81ba-8aceb7892edb","type":"text","family-id":"2c4efe0a-d842-46f0-8fa3-f611522717e5","title":"","id":"2b275431-e447-436f-81ba-8aceb7892edb","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ:\u003C\u002Fstrong\u003E ಯಾವುದೇ ಹೂಡಿಕೆಗಳಾಗಿರಲಿ, ಅವು ಒಂದು ನಿರ್ದಿಷ್ಟ ವರ್ಗದ ಹೂಡಿಕೆದಾರರ ವಿವಿಧ ಆಕಾಂಕ್ಷೆ, ಹೂಡಿಕೆಯ ಸಮಯ ಹಾಗೂ ಅದರ ಅಧ್ಯಯನದ ಬಗ್ಗೆ ಅವರು ಕೊಡಬಹುದಾದ ಸಮಯವನ್ನು ಆಧರಿಸಿರುತ್ತದೆ. ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗಳಿಗೂ ಈ ಮಾದರಿ ಅನ್ವಯಿಸುತ್ತದೆ. ಸಾಮಾನ್ಯವಾಗಿ ಎಸ್‌ಐಪಿ ಮಾಡುವುದರ ಮೂಲ ಉದ್ದೇಶ ಏನೆಂದು ಅವಲೋಕಿಸಿದರೆ ಮೊದಲನೆಯದು, ನಮ್ಮ ಗಳಿಕೆಯ ಒಂದಷ್ಟು ಭಾಗ ಉಳಿತಾಯವಾಗಬೇಕು. ಆ ಹೂಡಿಕೆ ನಿರಂತರವಾಗಿ ಹಾಗೂ ಶಿಸ್ತುಬದ್ಧವಾಗಿ ಇರಬೇಕು ಎಂಬುದಾಗಿದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F2fb8d547-d600-4a75-aa27-e82a7807fe7d\u002Felement\u002F2d39905b-e25d-43a2-9185-8c8348f1af34","type":"text","family-id":"b47ce545-db7d-4db9-94bf-cad8574209f8","title":"","id":"2d39905b-e25d-43a2-9185-8c8348f1af34","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಇದು ನಮ್ಮ ಗಳಿಕೆಯನ್ನು ಅನಗತ್ಯ ಖರ್ಚುಗಳಿಗೆ ಎಡೆ ಮಾಡಿಕೊಡುವುದನ್ನು ಒಂದರ್ಥದಲ್ಲಿ ನಿಯಂತ್ರಿಸುತ್ತದೆ. ಎರಡನೆಯದು ಯಾರಿಗೆ ಹೂಡಿಕೆ ಕ್ಷೇತ್ರದಲ್ಲಿ ಅಷ್ಟೊಂದು ಪರಿಣತಿ ಇಲ್ಲವೋ ಅಂಥವರು, ಫಂಡ್ ಹೌಸ್‌ ನಿರ್ವಹಿಸುವ ವಿವಿಧ ಉತ್ಪನ್ನಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹಾಗೂ ತಮಗಿಂತ ಅನುಭವಿಗಳು ನಮಗಾಗಿ ಲಾಭ ಮಾಡಿಕೊಡುವ ಆಕ್ಟಿವ್ ಫಂಡ್‌ಗಳನ್ನು ಖರೀದಿಸುವುದು ಇದರ ಭಾಗವಾಗಿದೆ.  \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F2fb8d547-d600-4a75-aa27-e82a7807fe7d\u002Felement\u002F72e222aa-77c0-440f-8032-ab5243c5ace8","type":"text","family-id":"4c240ba5-7a3e-41fe-b8e1-12f54f17a182","title":"","id":"72e222aa-77c0-440f-8032-ab5243c5ace8","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಈ ಹಂತದಲ್ಲಿ ನಮಗಿರುವ ಸಾಮಾನ್ಯ ಗೊಂದಲ ಏನೆಂದರೆ ಎನ್‌ಎವಿ ಬೆಲೆ ಕಡಿಮೆ ಇದ್ದಾಗ ಖರೀದಿಸಿದರೆ ಸಿಗುವ ಲಾಭದ ಪ್ರಮಾಣ ಪ್ರತಿಶತ ದರದಲ್ಲಿ ಹೆಚ್ಚಿರುತ್ತದೆ ಎಂಬುದಾಗಿದೆ. ಅದೇ ರೀತಿ ಎಸ್‌ಐಪಿ ಹೂಡಿಕೆಗಳ ಸರಾಸರಿ ಬೆಲೆ ಎನ್‌ಎವಿ ಮೌಲ್ಯ ವರ್ಧಿಸುತ್ತಿದ್ದಂತೆ ಏರುತ್ತಾ ಹೋಗಿ ಶೇಕಡಾವಾರು ಲಾಭ ಕಡಿಮೆಯಾಗುತ್ತದೆ. ಇದು ಹೊರ ನೋಟಕ್ಕೆ ಗಣನೀಯವಾಗಿ ಹೌದಾದರೂ, ವಾಸ್ತವದಲ್ಲಿ ಅನೇಕ ಬಾರಿ ಸಮಯಾವಕಾಶ ಹೊಂಚು ಹಾಕಿ ಅಥವಾ ನಿಖರವಾದ ಕನಿಷ್ಠ ಎನ್‌ಎವಿ ಇದುವೇ ಎಂದು ಊಹಿಸಿ ವ್ಯವಹರಿಸುವುದು ಪರಿಣತರಿಗೂ ಕಷ್ಟ. ಹೀಗಾಗಿ, ಇವೆರಡೂ ಹೂಡಿಕೆಯ ಪಥಗಳು ಬೇರೆ ಬೇರೆ ರೀತಿಯ ಹೂಡಿಕೆದಾರರಿಗೆ ಇರುವಂಥವು.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F2fb8d547-d600-4a75-aa27-e82a7807fe7d\u002Felement\u002Fc7db5b5b-557b-4258-93a5-e7713c9f0794","type":"text","family-id":"dace74d7-e940-48b0-8b89-5226dd759fe2","title":"","id":"c7db5b5b-557b-4258-93a5-e7713c9f0794","metadata":{},"subtype":null,"text":"\u003Cp\u003Eನಿಮ್ಮಲ್ಲಿ ಸಾಕಷ್ಟು ಸಮಯ ಇದ್ದು ಎಲ್ಲ ಹಂತಗಳ ಆರ್ಥಿಕ ಅಪಾಯಗಳ ನಿರ್ವಹಣೆ ಹಾಗೂ ಹೂಡಿಕೆ ನಿರ್ವಹಣೆ ಮಾಡುವ ಅವಕಾಶ ಇದ್ದರೆ ಏಕ ಕಂತಿನ ಹೂಡಿಕೆ ಸೂಕ್ತ. ಆದರೆ, ಯಾರಿಗೆ ನಿಶ್ಚಿತ ಹಣದ ಗಳಿಕೆ ಇದೆಯೋ ಮತ್ತು ಉಳಿತಾಯವನ್ನೇ ಉದ್ದೇಶವಾಗಿಸಿ ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಒಂದು ಸಂಚಿತ ನಿಧಿ ಏಕೀಕರಿಸುವ ಉದ್ದೇಶ ಹೊಂದಿದ್ದರೆ ಎಸ್‌ಐಪಿಗಳು ಸೂಕ್ತ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F2fb8d547-d600-4a75-aa27-e82a7807fe7d\u002Felement\u002Fcc0be969-7b7b-411b-9563-a487890b8472","type":"text","family-id":"7c5df2b1-70bd-4cf2-97cd-0b4bf1f25e05","title":"","id":"cc0be969-7b7b-411b-9563-a487890b8472","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಇನ್ನೂ ಒಂದು ವಿಚಾರ ಗಮನದಲ್ಲಿರಲಿ. ನಿಮ್ಮ ಯಾವುದೇ ಎಸ್‌ಐಪಿ ಹೂಡಿಕೆಗಳು ನಿರೀಕ್ಷಿತ ಲಾಭ ನೀಡುತ್ತಿಲ್ಲ ಎಂದಾದರೆ, ಅಲ್ಲಿಗೇ ಸುಮ್ಮನಿರದಿರಿ. ಅಂತಹ ಹೂಡಿಕೆಗಳನ್ನು ನೀವು ಪೋರ್ಟ್ ಫೋಲಿಯೊ ವಿಮರ್ಶೆಗೆ ಒಳಪಡಿಸಿ. ಈಗ ಇರುವ ಮೊತ್ತವನ್ನು ಉತ್ತಮ ಲಾಭ ನೀಡಬಹುದಾದ ಫಂಡ್‌ಗೆ ವರ್ಷಕ್ಕೊಮ್ಮೆ ಏಕ ಕಂತಿನಲ್ಲಿ, ಸೂಕ್ತ ಸಮಯದಲ್ಲಿ ವರ್ಗಾಯಿಸಿ ಮುಂದೆ ಅಧಿಕ ಲಾಭ ಪಡೆಯಿರಿ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F2fb8d547-d600-4a75-aa27-e82a7807fe7d\u002Felement\u002F2956f239-5f57-4172-bdd7-df812f6e1f5c","type":"text","family-id":"030a4276-f29b-43b5-b6ac-f9b7f570bf2a","title":"","id":"2956f239-5f57-4172-bdd7-df812f6e1f5c","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಇದು ನಿಮ್ಮ ಪೋರ್ಟ್ ಫೋಲಿಯೊವನ್ನು ಇನ್ನಷ್ಟು ಸಶಕ್ತವನ್ನಾಗಿಸಲು ನೆರವಾಗುತ್ತದೆ. ಇಲ್ಲಿ ಯಾವುದು ಸರಿ, ತಪ್ಪು ಎನ್ನುವುದಕ್ಕಿಂತ ಹೆಚ್ಚಾಗಿ ನಷ್ಟದಿಂದ ಲಾಭದೆಡೆಗೆ, ಮುಂದೆ ಹೆಚ್ಚಿನ ಮೌಲ್ಯವರ್ಧನೆ ಕಡೆಗೆ ನಾವು ಮಾಡುವ ನಮ್ಮ ನಿರಂತರ ಹುಡುಕಾಟ ಹಾಗೂ ಸಮರ್ಪಕ ನಿರ್ಧಾರವು ಹೆಚ್ಚು ಫಲ ನೀಡಬಲ್ಲದು.\u003C\u002Fp\u003E\u003Cp\u003E––––\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F2fb8d547-d600-4a75-aa27-e82a7807fe7d\u002Felement\u002F5c87df84-c3be-4990-ae36-c1bf1544a5d7","type":"text","family-id":"4c88ec7f-6875-49eb-b7e5-b8eb2081f53c","title":"","id":"5c87df84-c3be-4990-ae36-c1bf1544a5d7","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಶ್ನೆ: ಚಂದ್ರಶೇಖರ್, ತುಮಕೂರು\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003Eನಾನು ನಿವೃತ್ತ ಸರ್ಕಾರಿ ನೌಕರ. ವಯಸ್ಸು 60. ನಾನು ರಾಷ್ಟ್ರೀಕೃತ ಬ್ಯಾಂಕ್‌ನಲ್ಲಿ ಲೈಫ್‌ ಇನ್ಸೂರೆನ್ಸ್‌ಗೆ ಪ್ರತಿವರ್ಷ ₹1.25 ಲಕ್ಷ ಪಾವತಿಸುತ್ತಿದ್ದೇನೆ. ಇದರ ಲಾಭಾಂಶ ಕುರಿತು ವಿವರಿಸಲು ಮನವಿ. ಅಲ್ಲದೆ, ನನಗೆ ಒಂದು ರಾಷ್ಟ್ರೀಕೃತ ಬ್ಯಾಂಕ್‌ಗೆ ಲೈಫ್ ಇನ್ಸೂರೆನ್ಸ್ ಏಜೆನ್ಸಿ ಪರವಾಗಿ ಕನ್ಸಲ್ಟೆನ್ಸಿ ಕೆಲಸ ಮಾಡಲು ಸಲಹೆ ನೀಡಲಾಗಿದೆ. ಗ್ರಾಹಕರನ್ನು ಪರಿಚಯಿಸಿದರೆ ಒಂದು ಲಕ್ಷಕ್ಕೆ ಇಂತಿಷ್ಟು ಇನ್ಸೆಂಟಿವ್ ಹಣ ನೀಡುವುದಾಗಿ ನನಗೆ ಏಜೆನ್ಸಿಯವರು ಭರವಸೆ ನೀಡಿದ್ದಾರೆ. ನಿವೃತ್ತಿ ಅವಧಿಯಲ್ಲಿ ನನಗೂ ಹಣಕಾಸಿನ ಅಗತ್ಯವಿದೆ. ಇಂತಹ ಸೇವೆ ಮಾಡಲು ಇಚ್ಛಿಸಿರುತ್ತೇನೆ. ಈ ಕುರಿತು ಸಲಹೆ ನೀಡಲು ಮನವಿ.\u003C\u002Fstrong\u003E  \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F2fb8d547-d600-4a75-aa27-e82a7807fe7d\u002Felement\u002F1f721f39-fc0f-42ae-86d7-3b33d330346b","type":"text","family-id":"5a3db260-a488-4f50-84f1-731efd893256","title":"","id":"1f721f39-fc0f-42ae-86d7-3b33d330346b","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ:\u003C\u002Fstrong\u003E ನೀವು ವಾರ್ಷಿಕ ವಿಮಾ ಮೊತ್ತ ಪಾವತಿಸುತ್ತಿರುವ ಪಾಲಿಸಿಗಳ ಷರತ್ತು ಹಾಗೂ ನಿಯಮಗಳನ್ನು ಆಧರಿಸಿ ಲಾಭಾಂಶ ನಿರ್ಧಾರವಾಗುತ್ತದೆ. ಕೆಲವು ಪಾಲಿಸಿಗಳು ನಿಶ್ಚಿತ ಲಾಭ ಕೊಡುವ ಪಾಲಿಸಿಗಳಾಗಿದ್ದರೆ ಇನ್ನು ಕೆಲವು ಯಾವುದೇ ನಿಶ್ಚಿತ ಲಾಭ ಮೊದಲೇ ನೀಡುವ ಭರವಸೆ ಕೊಡುವುದಿಲ್ಲ. ಈ ವಿಚಾರವನ್ನು ನಿಮ್ಮ ಪಾಲಿಸಿ ಬಾಂಡ್‌ಗಳಲ್ಲಿ ಉಲ್ಲೇಖಿಸಿರುತ್ತಾರೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F2fb8d547-d600-4a75-aa27-e82a7807fe7d\u002Felement\u002F14d99c01-0774-417a-94e4-4b9dc5caac1a","type":"text","family-id":"4bf39cce-5569-435a-9e17-1e7b9ccf7837","title":"","id":"14d99c01-0774-417a-94e4-4b9dc5caac1a","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಸಾಮಾನ್ಯವಾಗಿ ನಿಶ್ಚಿತ ಲಾಭ ಅಥವಾ ಬೋನಸ್ ಸಿಗುವ ಪಾಲಿಸಿಗಳಾಗಿದ್ದರೆ ವಾರ್ಷಿಕವಾಗಿ ಶೇ 5ರಿಂದ ಶೇ 7ರಷ್ಟು ಲಾಭ ನೀಡಬಹುದು. ಈ ಬಗ್ಗೆ ನೀವು ಪಾಲಿಸಿ ದಾಖಲೆ ಪರಿಶೀಲಿಸಿಕೊಳ್ಳಿ ಅಥವಾ ಸಂಬಂಧಿತ ವಿಮಾ ಕಂಪನಿಗೆ ಇ–ಮೇಲ್ ಮೂಲಕ ಅಥವಾ ಸಂಬಂಧಿತ ಏಜೆಂಟ್‌ಗಳನ್ನು ಸಂಪರ್ಕಿಸುವ ಮೂಲಕ ನಿಖರ ಮಾಹಿತಿ ಪಡೆದುಕೊಳ್ಳಬಹುದು.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F2fb8d547-d600-4a75-aa27-e82a7807fe7d\u002Felement\u002F89775397-0cc7-42f6-978b-b4b2ecd97b20","type":"text","family-id":"9d40417f-2ba6-4db4-9904-cbb967b59b64","title":"","id":"89775397-0cc7-42f6-978b-b4b2ecd97b20","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಇನ್ನು ನಿಮಗೆ ರಾಷ್ಟ್ರೀಕೃತ ಬ್ಯಾಂಕ್‌ನ ಲೈಫ್ ಇನ್ಸೂರೆನ್ಸ್ ಏಜೆನ್ಸಿ ಕಡೆಯಿಂದ ಗ್ರಾಹರನ್ನು ಪರಿಚಯಿಸುವುದಕ್ಕಾಗಿ ಆಹ್ವಾನ ಬಂದದ್ದು ಒಳ್ಳೆಯದು. ಅವರು ನಿಮಗೆ ಪಾವತಿಸುವ ಕಮಿಷನ್ ಅಥವಾ ಶುಲ್ಕಕ್ಕೆ ಸಂಬಂಧಿತ ಯಾವುದೇ ಪಾವತಿಗೆ ಆದಾಯ ತೆರಿಗೆಯ ಸೆಕ್ಷನ್ 194ಡಿಎ ಅಡಿ ಶೇ 2ರ ತೆರಿಗೆ ಕಡಿತ ಇರುತ್ತದೆ. ನಿಮ್ಮ ಕಮಿಷನ್ ಮೊತ್ತ ಇತ್ಯಾದಿ ವಿವರವನ್ನು ಸಂಬಂಧಿತ ಕಂಪನಿಯ ಜೊತೆ ಒಪ್ಪಂದ ಮಾಡಿಕೊಂಡು ವ್ಯವಹರಿಸಿ.\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1733948825302,"content-version-id":"c0114a88-69f9-4001-a288-d1217d8e5ab0","card-added-at":1733828408855,"status":"draft","id":"b459b75f-2085-4f8f-a66a-e9437d8c3ab0","content-id":"b459b75f-2085-4f8f-a66a-e9437d8c3ab0","version":7,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ನಿವೃತ್ತ ಸರ್ಕಾರಿ ನೌಕರ ಇನ್ಸೂರೆನ್ಸ್ ಏಜೆನ್ಸಿಲಿ ಕೆಲಸ ಮಾಡಬಹುದೇ?","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-10-21\u002Fov7up09r\u002Fkkklllp.jpg","url":null,"attribution":null,"alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಹಣ \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"focus-point":[386,195],"width":800,"height":450}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fprashnottara-can-a-retired-government-employee-work-in-an-insurance-agency-3081949","story-version-id":"de6e0db6-dfb5-4acf-8ef7-fb4aa03bb28d","content-type":"story","content-updated-at":1733959859832,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1733959860000,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಹಣ \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":7,"story-template":"syndicated","sequence-no":null,"created-at":1733948825300,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ ಸುದ್ದಿ"]},"imported-card-id":"b459b75f-2085-4f8f-a66a-e9437d8c3ab0","card-share":{"shareable":false}},"publish-at":1733959860000,"assignee-name":"syndication"}},{"id":"7a0563ed-03f6-4fcd-bc00-1e1de76f33da","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ: ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಹೇಗೆ? ಇಲ್ಲಿದೆ ಮಾಹಿತಿ"]},"story":{"updated-at":1733274716042,"seo":{"meta-description":"ನಾನು ಕೆಲವು ವರ್ಷಗಳಿಂದ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತಿದ್ದೇನೆ. ಇವುಗಳಲ್ಲಿ ಡೆಟ್ ಫಂಡ್, ಈಕ್ವಿಟಿ ಫಂಡ್, ಸೇವಿಂಗ್ಸ್ ಫಂಡ್ ಮಾತ್ರವಲ್ಲದೆ, ರಿಟೈರ್‌ಮೆಂಟ್ ವಿಭಾಗದ ಹೂಡಿಕೆ","meta-keywords":["Mutual fund"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5512020,"name":"Mutual fund","meta-description":null,"meta-title":null,"slug":"mutual-fund","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಹೇಗೆ? ಇಲ್ಲಿದೆ ಮಾಹಿತಿ","storyline-id":null,"votes":{},"story-content-id":"7a0563ed-03f6-4fcd-bc00-1e1de76f33da","slug":"business\u002Fprashnottara\u002Fhow-to-invest-in-mutual-funds-here-is-the-information-3072865","last-published-at":1733274664091,"public-identifier":"3072865","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1733235083721,"is-embargoed":false,"owner-name":"syndication","custom-slug":"How to Invest in Mutual Funds Here is the information","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"focus-point":[586,211],"width":1200,"height":675},"comments":null,"word-count":488,"story-features":null,"entities":{},"published-at":1733274664091,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"last-correction-published-at":1733274717684,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7ybl1tgt1cxt2qhldsb","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"7a0563ed-03f6-4fcd-bc00-1e1de76f33da","hero-image-s3-key":"prajavani\u002F2024-05\u002Ffb96ce64-ac76-42a5-8048-7cc04ce56e36\u002Fmutual_funds1606063234.jpg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F7a0563ed-03f6-4fcd-bc00-1e1de76f33da\u002Felement\u002Faf7aa79b-7c73-427b-8fcc-0fba63dd7f9f","type":"text","family-id":"6cbdfcd8-c8f5-42c4-93df-15da579398a6","title":"","id":"af7aa79b-7c73-427b-8fcc-0fba63dd7f9f","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಶ್ನೆ:\u003C\u002Fstrong\u003E ನಾನು ಖಾಸಗಿ ಕಂಪನಿಯ ನೌಕರ. ವಯಸ್ಸು 35. ನಾನು ಕಂಪನಿ ಕಡೆಯಿಂದ ಇನ್ಶೂರೆನ್ಸ್ ಸೌಲಭ್ಯದ ಲಾಭ ಪಡೆಯುತ್ತಿದ್ದೇನೆ. ಆದರೆ ನನ್ನ ತಂದೆ - ತಾಯಿ ಈ ಸೌಲಭ್ಯಕ್ಕೆ ಅರ್ಹರಲ್ಲ. ಹೀಗಾಗಿ ಅವರನ್ನೂ ಒಳಗೊಳ್ಳುವಂತೆ ಇನ್ನೊಂದು ಇನ್ಶೂರೆನ್ಸ್ ಪಡೆಯುವ ಯೋಜನೆ ಮಾಡಿದ್ದೇನೆ. ಎಲ್ಲರ ಕಂತು (ಪ್ರೀಮಿಯಂ) ಸೇರಿಸಿದರೆ ಇದು ಸುಮಾರು ₹50 ಸಾವಿರಕ್ಕೂ ಅಧಿಕ ಆಗುವ ಅಂದಾಜು ಇದೆ. ನನ್ನ ಸಂದೇಹ ಇಲ್ಲಿರುವುದೇನೆಂದರೆ, ಈ ₹50 ಸಾವಿರದ ಬದಲು ಅದೇ ಮೊತ್ತವನ್ನು ಎಲ್ಲಾದರೂ ಹೂಡಿಕೆ ಮಾಡಿ, ಅಕಸ್ಮಾತ್ ಯಾವುದೇ ಆರೋಗ್ಯ ಸಮಸ್ಯೆ ಇದ್ದಾಗ ಆ ಮೊತ್ತ ಉಪಯೋಗಿಸಬಹುದಲ್ಲ. ಯಾವುದೇ ಆರೋಗ್ಯ ಸಮಸ್ಯೆ ಇಲ್ಲದಿದ್ದಾಗ ಕಟ್ಟುವ ಪ್ರೀಮಿಯಂ ಅನಗತ್ಯ ನಷ್ಟ ಹಾಗೂ ನಮ್ಮ ಉಳಿತಾಯದ ಪಾಲನ್ನು ಕಡಿಮೆಗೊಳಿಸುತ್ತದೆ ಎಂಬುದು ನನ್ನ ಸಂದೇಹ. ಈ ವಿಚಾರದಲ್ಲಿ ನಿಮ್ಮ ಅಭಿಪ್ರಾಯ ಏನು. ಇನ್ಶೂರೆನ್ಸ್ ಮಾಡಿಸಲೇ ಅಥವಾ ಹೂಡಿಕೆ ಮಾಡಲೇ ?\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003E–ಅಕ್ಷಯ್ ಆರ್, ಮೈಸೂರು\u003C\u002Fstrong\u003E \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F7a0563ed-03f6-4fcd-bc00-1e1de76f33da\u002Felement\u002Ff093bd39-da31-42f8-925e-61514aa9262e","type":"text","family-id":"09cb8e8c-2c13-4f93-a90b-ff07f8ec46fe","title":"","id":"f093bd39-da31-42f8-925e-61514aa9262e","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ:\u003C\u002Fstrong\u003E ನಿಮ್ಮ ಉಳಿತಾಯದ ಯೋಜನೆಯ ಬಗೆಗಿನ ಕಾಳಜಿ ಸರಿಯಾದುದೇ. ಆದರೆ ಆ ರೀತಿ ಸಂಗ್ರಹವಾಗುವ ಹಾಗೂ ವೃದ್ಧಿಯಾಗುವ ಮೊತ್ತ ಇಂದಿನ ದಿನಗಳಲ್ಲಿ ತಗಲುವ ವೈದ್ಯಕೀಯ ತಪಾಸಣಾ ಖರ್ಚಿಗೆ ತುಲನೆ ಮಾಡಿದರೆ ಯಾವ ಗಣನೆಗೂ ಬರುವುದಿಲ್ಲ. ದೇಶದ ಪ್ರತಿಷ್ಠಿತ ಆಸ್ಪತ್ರೆಗಳಲ್ಲಿ ವೈದ್ಯಕೀಯ ಸೌಲಭ್ಯ ಪಡೆಯಲು ಪ್ರತಿ ದಿನಕ್ಕೆ ಸರಾಸರಿ ₹50ರಿಂದ ₹60 ಸಾವಿರ ವೆಚ್ಚ ತಗಲುತ್ತದೆ. ಇಂತಹ ಸಂದರ್ಭದಲ್ಲಿ ದುರದೃಷ್ಟವಶಾತ್ ವೈದ್ಯಕೀಯ ಆರೈಕೆಯ  ಅನಿವಾರ್ಯ ಎದುರಾದರೆ ಒಂದು ವರ್ಷದ ಪ್ರೀಮಿಯಂ ಉಳಿಸಿದ ಮೊತ್ತ ಒಂದೇ ದಿನದ ಖರ್ಚಿಗೂ ಸಾಕಾಗಲಾರದು. ಹೀಗಾಗಿ ಸಮಸ್ಯೆ ಬರಲಿ - ಬರದಿರಲಿ ಈ ಮೊತ್ತವನ್ನು ಯಾವುದೇ ಲೆಕ್ಕಾಚಾರವಿಲ್ಲದೆ ಪ್ರತ್ಯೇಕವಾಗಿಡುವುದು ಇಂದಿನ ದಿನದ ಅನಿವಾರ್ಯವಾಗಿದೆ. ಈ ಕಂತು ಕಟ್ಟುವ ಸಲುವಾಗಿ ನೀವು ಪ್ರತ್ಯೇಕವಾಗಿ ಉಳಿತಾಯ ಮಾಡಿ. ಆ ಮೊತ್ತದಿಂದ ಸಹಜವಾಗಿ ನಿಮಗೆ ಕೆಲವು ವರ್ಷದಲ್ಲಿ ಲಾಭ ಬರುತ್ತದೆ. ಈ ಮೊತ್ತವನ್ನೇ ಪ್ರೀಮಿಯಂ ಪಾವತಿಸಲೂ ಬಳಸಿಕೊಳ್ಳಿ. \u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನೂ ಒಂದು ವಿಚಾರವೆಂದರೆ, ಹೂಡಿಕೆ ಹಾಗೂ ಆರೋಗ್ಯ ವಿಮೆ ಪ್ರತ್ಯೇಕವಾದ ಎರಡು ವಿಚಾರಗಳು. ನೀವು ನಿಮ್ಮ ನಿರ್ಧಾರ ತಡ ಮಾಡಿದಂತೆ ಅನನುಕೂಲತೆಯೇ ಅಧಿಕ. ಇದಕ್ಕಾಗಿ ವಿಮಾ ಸಲಹೆಗಾರರ ನೆರವು ಪಡೆದು ನಿಮ್ಮ ಅಂದಾಜಿನಂತೆ ಏನು ಸಮಂಜಸವೋ ಆ ಮೊತ್ತಕ್ಕೆ ಸರಿಯಾಗಿ ಪ್ರೀಮಿಯಂ ಹಾಗೂ ವಿಮಾ ಮೊತ್ತ ನಿರ್ಧರಿಸಿ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F7a0563ed-03f6-4fcd-bc00-1e1de76f33da\u002Felement\u002F94eccd65-f0be-41fc-b459-65ae3b2c039d","type":"text","family-id":"0f90c76e-93b3-4fa1-9770-73fc33057b57","title":"","id":"94eccd65-f0be-41fc-b459-65ae3b2c039d","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಶ್ನೆ:\u003C\u002Fstrong\u003E ನಾನು ಕೆಲವು ವರ್ಷಗಳಿಂದ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತಿದ್ದೇನೆ. ಇವುಗಳಲ್ಲಿ ಡೆಟ್ ಫಂಡ್, ಈಕ್ವಿಟಿ ಫಂಡ್, ಸೇವಿಂಗ್ಸ್ ಫಂಡ್ ಮಾತ್ರವಲ್ಲದೆ, ರಿಟೈರ್‌ಮೆಂಟ್ ವಿಭಾಗದ ಹೂಡಿಕೆಗಳೂ ಇವೆ. ಎಲ್ಲ ಹೂಡಿಕೆಗಳೂ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳೇ ಆಗಿವೆ. ಇತ್ತೀಚೆಗೆ ಬ್ರೋಕರ್ ಮೂಲಕ ಪೋರ್ಟ್ ಫೋಲಿಯೋ ರಿಟರ್ನ್ಸ್ ತಿಳಿಯಲು ಅಗತ್ಯ ಮಾಹಿತಿ ಪಡೆದುಕೊಂಡೆ. ಇದರಲ್ಲಿ ವಾರ್ಷಿಕವಾಗಿ ಸರಾಸರಿ ಶೇ 30ಕ್ಕಿಂತ ಅಧಿಕ ಲಾಭ ನೀಡಿದ ಫಂಡ್ ಇವೆ. ಶೇ 5 ಕ್ಕಿಂತ ಕಡಿಮೆ ವಾರ್ಷಿಕ ಆದಾಯ ಅಥವಾ ಕೆಲವೊಂದು ನಷ್ಟದಲ್ಲಿರುವ ಸೆಕ್ಟೋರಲ್, ಥೀಮ್ಯಾಟಿಕ್, ಲಾರ್ಜ್ ಕ್ಯಾಪ್, ಮಿಡ್ ಕ್ಯಾಪ್ ಫಂಡ್‌ಗಳು ಕೂಡ ಇವೆ. ನನಗೆ ಸಿಕ್ಕಿದ ವರದಿಯಂತೆ, ನಾನು ಈ ಹಂತದಲ್ಲಿ ಹೆಚ್ಚಿನ ಮೊತ್ತವನ್ನು ಈ ಕಡಿಮೆ ಆದಾಯ ನೀಡುತ್ತಿರುವ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೊಂದಿದ್ದೇನೆ. ಡೆಟ್ ಫಂಡ್‌ಗಳು ಸರಾಸರಿ ಶೇ 6.50ರಷ್ಟು ನಿರೀಕ್ಷಿತ ಆದಾಯ ನೀಡಿವೆ. ಅದರ ಮೇಲೆ ತೆರಿಗೆ ಬೇರೆ ಇದೆ. ಅತ್ಯಧಿಕ ಆದಾಯ ನೀಡಿದ ಹೂಡಿಕೆಗಳು ಒಟ್ಟಾರೆ ಪೋರ್ಟ್ ಫೋಲಿಯೋದ ಶೇ 10-20 ಮಾತ್ರ ಇವೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F7a0563ed-03f6-4fcd-bc00-1e1de76f33da\u002Felement\u002F6a9e15c0-1198-41ff-a986-238982c4c262","type":"text","family-id":"63d9db4b-be2d-43e1-9042-dd85fe5b46c6","title":"","id":"6a9e15c0-1198-41ff-a986-238982c4c262","metadata":{},"subtype":null,"text":"\u003Cp\u003Eನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ, ನಾನು ಹೆಚ್ಚಿನ ಲಾಭ ಪಡೆಯಲು ಡೆಟ್ ಫಂಡ್‌ಗಳನ್ನು ಈಕ್ವಿಟಿಗೆ ವರ್ಗಾಯಿಸಬಹುದೇ? ನಷ್ಟ ಹೊಂದಿದ ಈಕ್ವಿಟಿ ವಿಭಾಗದ ಹೂಡಿಕೆಗಳನ್ನು ಎಸ್‌ಐಪಿಯಿಂದ ಮುಕ್ತಗೊಳಿಸಿ ಹಣ ಹಿಂಪಡೆಯಲೇ. ನನಗೆ ಸದ್ಯ ಯಾವುದೇ ಹಣದ ಅಗತ್ಯ ಇಲ್ಲ, ಆದರೆ ಈ ರೀತಿ ಲಾಭ ಗಳಿಸದೆ ಇರುವ ಸ್ಥಿತಿಯನ್ನು ಒಪ್ಪಿಕೊಳ್ಳಲು ತುಸು ಬೇಸರವಿದೆ. ಈ ಬಗ್ಗೆ ನಿಮ್ಮ ಅಭಿಪ್ರಾಯ ಹಾಗೂ ಸಲಹೆ ನೀಡಿ.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003E–ಲೋಕೇಶ್ ಎನ್.ಆರ್, ಕೋಲಾರ\u003C\u002Fstrong\u003E  \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F7a0563ed-03f6-4fcd-bc00-1e1de76f33da\u002Felement\u002Ffedaf8d8-051f-4c05-9635-ec6945c2d607","type":"text","family-id":"f1b776f4-de4e-41fe-b4d2-8d05d4f68436","title":"","id":"fedaf8d8-051f-4c05-9635-ec6945c2d607","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ:\u003C\u002Fstrong\u003E ನಿಮ್ಮ ಈ ಹಂತದ ಸಮಸ್ಯೆಗೆ ಪೂರ್ವ ನಿರ್ಧರಿತ ಹೂಡಿಕೆಗೆ ಸಂಬಂಧಿತ ವಿಶ್ಲೇಷಣೆಯ ಕೊರತೆ ಅಥವಾ ಅಸಂಕಲ್ಪಿತ ಹೂಡಿಕೆ ಕಾರಣವಾಗಿರಬಹುದು. ಇಂತಹ ಸಂದರ್ಭದಲ್ಲಿ ನಿಮ್ಮ ಸಂಪೂರ್ಣ ಹೂಡಿಕೆಯ ಪುನರವಲೋಕನ ಅಗತ್ಯ. ನೀವು ಈಗಾಗಲೇ ಅಗತ್ಯ ಮಾಹಿತಿ ಹೊಂದಿದ್ದೀರಿ. ಈ ಬಗ್ಗೆ ತಜ್ಞ ಹೂಡಿಕೆದಾರರನ್ನು ಸಂಪರ್ಕಿಸಿ ವೈಯಕ್ತಿಕ ಸಲಹೆ ಪಡೆದುಕೊಳ್ಳಿ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F7a0563ed-03f6-4fcd-bc00-1e1de76f33da\u002Felement\u002F15a96b5b-6302-477e-be23-0e67c1d822f1","type":"text","family-id":"7f4a89cd-6970-44c8-badc-bb2156f021d0","title":"","id":"15a96b5b-6302-477e-be23-0e67c1d822f1","metadata":{},"subtype":null,"text":"\u003Cp\u003Eನೀವು ಮೇಲೆ ಉಲ್ಲೇಖಿಸಿರುವ ವಿವಿಧ ಹೂಡಿಕೆಗಳ ಮರುಹೂಡಿಕೆ (ಉದಾ: ಕಂಪನಿಗಳ ಷೇರು, ಸರ್ಕಾರಿ ಬಾಂಡ್ ಇತ್ಯಾದಿ) ಹಾಗೂ ಆಯಾ ವರ್ಗದ ಫಂಡ್‌ಗಳು  ಮಾರುಕಟ್ಟೆಗೆ ಸ್ಪಂದಿಸುವ ಗುಣಾಂಕವೂ (ಬೀಟಾ ಅಂಕ) ಪ್ರತ್ಯೇಕವಾಗಿದೆ. ಅಧಿಕ ಗುಣಾಂಕ ಹೊಂದಿದ ಫಂಡ್‌ಗಳು ಮಾರುಕಟ್ಟೆ ಏರಿಳಿತಗಳಿಗೆ ಅಷ್ಟೇ ತ್ವರಿತವಾಗಿ ಸ್ಪಂದಿಸುತ್ತವೆ ಹಾಗೂ ಈ ವಿಚಾರ ಲಾಭ ನಷ್ಟದ ದೃಷ್ಟಿಯಿಂದ ಪ್ರಮುಖ ಪಾತ್ರವಹಿಸುತ್ತದೆ. ನಿಮ್ಮ ನಿರ್ಧಾರ ಗುಣಾಂಕದ ಪರಿಗಣನೆಯೂ ಇರಲಿ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F7a0563ed-03f6-4fcd-bc00-1e1de76f33da\u002Felement\u002Fa1c6dbe0-92c4-40a4-adf1-e3cb7c98566f","type":"text","family-id":"ba049054-d71b-4394-a783-4ec72f1efb4a","title":"","id":"a1c6dbe0-92c4-40a4-adf1-e3cb7c98566f","metadata":{},"subtype":null,"text":"\u003Cp\u003Eನಿರಂತರವಾಗಿ ಅಧಿಕ ಲಾಭ ಗಳಿಸಿರುವ ಹೂಡಿಕೆಗಳಿಗೆ ನಿಮ್ಮ ಪ್ರಸ್ತುತ ಲಾಭದಾಯಕವಲ್ಲದ ಹೂಡಿಕೆಗಳನ್ನು ಹಂತ ಹಂತವಾಗಿ ವರ್ಗಾಯಿಸುವುದು ಕೂಡ ಸೂಕ್ತ ನಿರ್ಧಾರವೆ. ನಿಮಗೆ ಸದ್ಯದ ಹಂತದಲ್ಲಿ ಯಾವುದೇ ಹಣ ಅಗತ್ಯವಾಗಿ ಬೇಕಾಗಿಲ್ಲದ ಕಾರಣ, ಅಂತಹ ಫಂಡ್‌ಗಳನ್ನು ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆಗಳಿಗೆ ವರ್ಗಾಯಿಸಬಹುದು. ನಷ್ಟದಲ್ಲಿರುವ ಹೂಡಿಕೆಗಳನ್ನು ಗೊತ್ತು ಮಾಡಿ ಈ ಬಗ್ಗೆ ಪರಾಮರ್ಶೆ ನಡೆಸಿ. ಕೆಲವೊಮ್ಮೆ ಫಂಡ್ ಚೆನ್ನಾಗಿ ಲಾಭ ನೀಡಿದ್ದರೂ ನೀವು ಖರೀದಿಸಿದ ಸಮಯ-ಸಂದರ್ಭ ಅಕಾಲಿಕವಾಗಿರಬಹುದು. ಇದಕ್ಕಾಗಿ ಹಂತ ಹಂತದ ಹೂಡಿಕೆ ಸೂಕ್ತ.\u003Cbr\u003E    \u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1733274652270,"content-version-id":"8615b5bc-f955-4388-b32b-383baf4009a8","card-added-at":1733235083907,"status":"draft","id":"9d690d85-5039-4adb-8be4-d2d3dcac2851","content-id":"9d690d85-5039-4adb-8be4-d2d3dcac2851","version":7,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಹೇಗೆ? ಇಲ್ಲಿದೆ ಮಾಹಿತಿ","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-05\u002Ffb96ce64-ac76-42a5-8048-7cc04ce56e36\u002Fmutual_funds1606063234.jpg","url":null,"attribution":null,"alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಮ್ಯೂಚುವಲ್‌ ಫಂಡ್‌ \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"focus-point":[586,211],"width":1200,"height":675}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fhow-to-invest-in-mutual-funds-here-is-the-information-3072865","story-version-id":"aad29010-a416-4013-a5e0-d2fef7974858","content-type":"story","content-updated-at":1733274717687,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1733274664091,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಮ್ಯೂಚುವಲ್‌ ಫಂಡ್‌ \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":8,"story-template":"syndicated","sequence-no":null,"created-at":1733274715011,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ ಸುದ್ದಿ"]},"imported-card-id":"9d690d85-5039-4adb-8be4-d2d3dcac2851","card-share":{"shareable":false}},"publish-at":null,"assignee-name":"syndication"}},{"id":"df4a6c58-e42e-4a64-9177-027f4d4b1ca8","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ: ಎಂ.ಎಫ್‌ ಡೆಬ್ಟ್ ಸ್ಕೀಂಗಳಲ್ಲಿ ಕಡಿಮೆ ಲಾಭ; ರಿಸ್ಕ್ ಇಲ್ಲವೇ?"]},"story":{"updated-at":1732132529211,"seo":{"meta-description":"ನಾನು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳ ಡೆಬ್ಟ್ ಸ್ಕೀಂಗಳಲ್ಲಿ ಅತ್ಯಂತ ಕಡಿಮೆ ಲಾಭ ಬರುವುದರಿಂದ ಯಾವುದೇ ರಿಸ್ಕ್ ಇಲ್ಲ ಎಂದು ತಿಳಿದುಕೊಂಡಿದ್ದೇನೆ. ಆದರೆ, ಇದಕ್ಕೆ ಅಪವಾದ ಎಂಬಂತೆ ಅದು ಕೆಲವೊಮ್ಮೆ ನಂಬುವುದು ಕಷ್ಟ ಎನ್ನುವ ಮಾಹಿತಿಯನ್ನೂ ಕೇಳಿದ್ದೇನೆ. ","meta-keywords":["Mutual fund","Investment"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5510710,"name":"Investment","meta-description":null,"meta-title":null,"slug":"investment","tag-type":"Tag"},{"id":5512020,"name":"Mutual fund","meta-description":null,"meta-title":null,"slug":"mutual-fund","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ಎಂ.ಎಫ್‌ ಡೆಬ್ಟ್ ಸ್ಕೀಂಗಳಲ್ಲಿ ಕಡಿಮೆ ಲಾಭ; ರಿಸ್ಕ್ ಇಲ್ಲವೇ?","storyline-id":null,"votes":{},"story-content-id":"df4a6c58-e42e-4a64-9177-027f4d4b1ca8","slug":"business\u002Fprashnottara\u002Fmutual-fund-stock-market-and-other-investment-question-and-answer-by-experts-3053819","last-published-at":1732132531654,"public-identifier":"3053819","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":3,"access-level-value":null,"content-created-at":1732020024025,"is-embargoed":false,"owner-name":"syndication","custom-slug":"mutual fund stock market and other investment question and answer by 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\u003Cp\u003E\u003Cstrong\u003Eಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E "},{"description":"","page-url":"\u002Fstory\u002Fdf4a6c58-e42e-4a64-9177-027f4d4b1ca8\u002Felement\u002Fe3afd7d5-19a1-43c0-8c3c-fc2a90f42c85","type":"text","family-id":"de3944a1-8f8a-41df-848f-a3ecfc080994","title":"","id":"e3afd7d5-19a1-43c0-8c3c-fc2a90f42c85","metadata":{"question":"\u003Cp\u003Eನಾನು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳ ಡೆಬ್ಟ್ ಸ್ಕೀಂಗಳಲ್ಲಿ ಅತ್ಯಂತ ಕಡಿಮೆ ಲಾಭ ಬರುವುದರಿಂದ ಯಾವುದೇ ರಿಸ್ಕ್ ಇಲ್ಲ ಎಂದು ತಿಳಿದುಕೊಂಡಿದ್ದೇನೆ. ಆದರೆ, ಇದಕ್ಕೆ ಅಪವಾದ ಎಂಬಂತೆ ಅದು ಕೆಲವೊಮ್ಮೆ ನಂಬುವುದು ಕಷ್ಟ ಎನ್ನುವ ಮಾಹಿತಿಯನ್ನೂ ಕೇಳಿದ್ದೇನೆ. ಈ ಬಗ್ಗೆ ಅರಿತು ಹೇಗೆ ನಿರ್ಧಾರ ತೆಗೆದುಕೊಳ್ಳಬೇಕು? ಜಯನಂದನ್, ಆರ್.ಆರ್. ನಗರ, ಬೆಂಗಳೂರು. \u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನಿಮ್ಮ ಊಹೆ ಹಾಗೂ ಮಾಹಿತಿ ಬಗೆಗಿನ ಅರಿವು ಸರಿಯಾಗಿದೆ. ಎಲ್ಲ ಹೂಡಿಕೆದಾರರು ಈ ಬಗ್ಗೆ ತಿಳಿದುಕೊಂಡಿರುವುದು ಅಗತ್ಯ. ಡೆಬ್ಟ್ ಫಂಡ್‌ಗಳ ಮೂಲ ಆದಾಯ  ಹೂಡಿಕೆಯ ಮೇಲಿನ ಬಡ್ಡಿಯಾಗಿದೆ. ಇದು ಟ್ರೆಷರಿ ಬಿಲ್, ಡಿಬೆಂಚರ್, ಬ್ಯಾಂಕ್ ಬಡ್ಡಿ, ಸರ್ಕಾರಿ ಭದ್ರತೆಯ ಬಾಂಡ್ ಇತ್ಯಾದಿ ಯಾವುದೇ ಉತ್ಪನ್ನಗಳ ಮೇಲಿನ ಹೂಡಿಕೆಯಿಂದ ಬಂದಿರಬಹುದು. ಈ ಹೂಡಿಕೆಗಳಿಗೂ ಬಡ್ಡಿ ಮೇಲಿನ ಏರಿಳಿತದ ಅಪಾಯ ಇದೆ. ಕೆಲವೊಮ್ಮೆ ಯಾವ ಸಂಸ್ಥೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲಾಗಿದೆಯೋ ಆ ಸಂಸ್ಥೆಯ ಅಸ್ತಿತ್ವವು ಅಪಾಯಕ್ಕೆ ಸಿಲುಕಿದಾಗ ಅಸಲು ಮೊತ್ತಕ್ಕೆ ಖಾತರಿ ಇಲ್ಲದಾಗುವ ಕೆಲವು ಅನಿರೀಕ್ಷಿತ ಸನ್ನಿವೇಶ ಸೃಷ್ಟಿಯಾಗುತ್ತವೆ (ಉದಾಹರಣೆಗೆ ಸಾಲಪತ್ರ ನೀಡಿದ ಬ್ಯಾಂಕ್, ಸಾಲಪತ್ರ ನೀಡಿದ ಕಂಪನಿ). ಇವು ಹೂಡಿದ ಫಂಡ್‌ಗಳ ದಿನವಹಿ ಮೌಲ್ಯದಲ್ಲೂ ಅಲ್ಪಾವಧಿ ಅಥವಾ ದೀರ್ಘಾವಧಿ ಪರಿಣಾಮ ಬೀರಬಹುದು. ಹೀಗಾಗಿ, ಯಾವತ್ತೂ ಫಂಡ್ ಹೌಸ್‌ಗಳು ಎಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆ ಹಾಗೂ ಅವುಗಳ ಮಾನದಂಡದ ಗುಣಮಟ್ಟ ಏನು ಎನ್ನುವುದು ಗಮನದಲ್ಲಿ ಇರಬೇಕು. \u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳ ಡೆಬ್ಟ್ ಸ್ಕೀಂಗಳಲ್ಲಿ ಅತ್ಯಂತ ಕಡಿಮೆ ಲಾಭ ಬರುವುದರಿಂದ ಯಾವುದೇ ರಿಸ್ಕ್ ಇಲ್ಲ ಎಂದು ತಿಳಿದುಕೊಂಡಿದ್ದೇನೆ. ಆದರೆ, ಇದಕ್ಕೆ ಅಪವಾದ ಎಂಬಂತೆ ಅದು ಕೆಲವೊಮ್ಮೆ ನಂಬುವುದು ಕಷ್ಟ ಎನ್ನುವ ಮಾಹಿತಿಯನ್ನೂ ಕೇಳಿದ್ದೇನೆ. ಈ ಬಗ್ಗೆ ಅರಿತು ಹೇಗೆ ನಿರ್ಧಾರ ತೆಗೆದುಕೊಳ್ಳಬೇಕು? ಜಯನಂದನ್, ಆರ್.ಆರ್. ನಗರ, ಬೆಂಗಳೂರು. \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನಿಮ್ಮ ಊಹೆ ಹಾಗೂ ಮಾಹಿತಿ ಬಗೆಗಿನ ಅರಿವು ಸರಿಯಾಗಿದೆ. ಎಲ್ಲ ಹೂಡಿಕೆದಾರರು ಈ ಬಗ್ಗೆ ತಿಳಿದುಕೊಂಡಿರುವುದು ಅಗತ್ಯ. ಡೆಬ್ಟ್ ಫಂಡ್‌ಗಳ ಮೂಲ ಆದಾಯ  ಹೂಡಿಕೆಯ ಮೇಲಿನ ಬಡ್ಡಿಯಾಗಿದೆ. ಇದು ಟ್ರೆಷರಿ ಬಿಲ್, ಡಿಬೆಂಚರ್, ಬ್ಯಾಂಕ್ ಬಡ್ಡಿ, ಸರ್ಕಾರಿ ಭದ್ರತೆಯ ಬಾಂಡ್ ಇತ್ಯಾದಿ ಯಾವುದೇ ಉತ್ಪನ್ನಗಳ ಮೇಲಿನ ಹೂಡಿಕೆಯಿಂದ ಬಂದಿರಬಹುದು. ಈ ಹೂಡಿಕೆಗಳಿಗೂ ಬಡ್ಡಿ ಮೇಲಿನ ಏರಿಳಿತದ ಅಪಾಯ ಇದೆ. ಕೆಲವೊಮ್ಮೆ ಯಾವ ಸಂಸ್ಥೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲಾಗಿದೆಯೋ ಆ ಸಂಸ್ಥೆಯ ಅಸ್ತಿತ್ವವು ಅಪಾಯಕ್ಕೆ ಸಿಲುಕಿದಾಗ ಅಸಲು ಮೊತ್ತಕ್ಕೆ ಖಾತರಿ ಇಲ್ಲದಾಗುವ ಕೆಲವು ಅನಿರೀಕ್ಷಿತ ಸನ್ನಿವೇಶ ಸೃಷ್ಟಿಯಾಗುತ್ತವೆ (ಉದಾಹರಣೆಗೆ ಸಾಲಪತ್ರ ನೀಡಿದ ಬ್ಯಾಂಕ್, ಸಾಲಪತ್ರ ನೀಡಿದ ಕಂಪನಿ). ಇವು ಹೂಡಿದ ಫಂಡ್‌ಗಳ ದಿನವಹಿ ಮೌಲ್ಯದಲ್ಲೂ ಅಲ್ಪಾವಧಿ ಅಥವಾ ದೀರ್ಘಾವಧಿ ಪರಿಣಾಮ ಬೀರಬಹುದು. ಹೀಗಾಗಿ, ಯಾವತ್ತೂ ಫಂಡ್ ಹೌಸ್‌ಗಳು ಎಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆ ಹಾಗೂ ಅವುಗಳ ಮಾನದಂಡದ ಗುಣಮಟ್ಟ ಏನು ಎನ್ನುವುದು ಗಮನದಲ್ಲಿ ಇರಬೇಕು. \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002Fdf4a6c58-e42e-4a64-9177-027f4d4b1ca8\u002Felement\u002F98289585-cbe9-4d9d-8365-a2a2db5a075b","type":"text","family-id":"2a79ed91-02c2-46d2-a5c3-7d488005e938","title":"","id":"98289585-cbe9-4d9d-8365-a2a2db5a075b","metadata":{"question":"\u003Cp\u003Eನಾನು ಇನ್ಫೊಸಿಸ್, ಟಿಸಿಎಸ್, ರಿಲಯನ್ಸ್, ಐಟಿಸಿ, ಕೋಲ್ ಇಂಡಿಯಾ, ಎಚ್‌ಎಎಲ್, ಏಷ್ಯನ್‌ ಪೇಂಟ್ಸ್, ಡಿಮಾರ್ಟ್, ಟಾಟಾ ಸಮೂಹದ ಕಂಪನಿಗಳನ್ನು ಆಯ್ಕೆ ಮಾಡಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತಿದ್ದೇನೆ. ಕಳೆದ ಒಂದು ತಿಂಗಳಿನಿಂದ ಮಾರುಕಟ್ಟೆ ತೀವ್ರವಾಗಿ ಕುಸಿಯುತ್ತಿದೆ. ಈ ನಡುವೆ ಮಾರುಕಟ್ಟೆ ಕೆಲವು ಬಾರಿ ಏರುವುದನ್ನೂ ಕಂಡಿದ್ದೇವೆ. ನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ ಈ ಎಲ್ಲಾ ಕಂಪನಿಗಳು ಉತ್ತಮ ಹೆಸರು ಗಳಿಸಿವೆ. ಇದರ ಆಧಾರದಲ್ಲಿ ನಾವು ಹೂಡಿಕೆ ಮಾಡುತ್ತಿದ್ದೇವೆ ಎನ್ನುವುದು ನಿಜವಿದ್ದರೂ ಈ ಕಂಪನಿಗಳ ಆಯ್ಕೆಯಲ್ಲಿ ಇನ್ನೂ ಕಾಳಜಿ ಅಗತ್ಯವೇ ಅಥವಾ ಈಗ ಕುಸಿಯುತ್ತಿರುವ ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಈ ಷೇರುಗಳು ಖರೀದಿಗೆ ಯೋಗ್ಯವೇ. ಈ ಬಗ್ಗೆ ತಿಳಿಸಿ.\r\n\r\nನಾಗೇಶ್ ಎಚ್., ಹೊನ್ನಾವರ. \u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನಿಮ್ಮ ಪ್ರಶ್ನೆ ಸಹಜವಾದುದಾಗಿದೆ. ಆದರೆ, ಈ ಅಂಕಣದಲ್ಲಿ ನಾವು ಯಾವುದೇ ನಿರ್ದಿಷ್ಟ ಹೂಡಿಕೆಯ ಖರೀದಿ- ಮಾರಾಟದ ಬಗ್ಗೆ ಸಲಹೆ ನೀಡುತ್ತಿಲ್ಲ. ಆದರೆ, ಓದುಗ ಹೂಡಿಕೆದಾರರಿಗೆ ನೆರವಾಗುವ ಸಾಮಾನ್ಯ ಮಾರ್ಗಸೂಚಿಗಳನ್ನಷ್ಟೇ ನಾವು ಸೂಚಿಸಬಹುದು. ಯಾವುದೇ ಹೂಡಿಕೆಯ ಮಾರ್ಗೋಪಾಯಗಳಿದ್ದರೂ ಅದು ಕೆಲವು ಮೂಲ ಅಂಶಗಳ ಸುತ್ತ ನಮ್ಮ ನಿರ್ಧಾರ ಅವಲಂಬಿತವಾಗಿದೆ ಎಂಬ ಪ್ರಮುಖ ಅಂಶಗಳನ್ನು ಗಮನಿಸಬೇಕಾಗಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003E* ಕಂಪನಿಗಳ ಆಯ್ಕೆ ಬಗ್ಗೆ ಸಮೀಕ್ಷೆ: ನೀವು ಹೇಳಿರುವ ಕಂಪನಿಗಳು ದೇಶದ ಪ್ರಸಿದ್ಧ ಹಾಗೂ ಭರವಸೆ ಇಡಬಹುದಾದ ಕಂಪನಿಗಳೇ ಆಗಿವೆ. ಇದರಿಂದ ಅವು ಹಲವು ವರ್ಷಗಳಿಂದ ಸೂಚ್ಯಂಕಗಳ ಭಾಗವಾಗಿ ಉಳಿದಿವೆ. ಹಾಗಿದ್ದರೂ ಹೂಡಿಕೆ ಮಾಡುವಾಗ ವಿಶೇಷ ಕಾಳಜಿ ಅಗತ್ಯ. ಕಂಪನಿಗಳ ಇತಿಹಾಸ ಹಾಗೂ ಮುನ್ನೋಟ, ನಿರಂತರ ಲಾಭದಾಯಕತೆ, ಪ್ರಸ್ತುತ ಮೌಲ್ಯಮಾಪನ ಮತ್ತು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿನ ಪ್ರಸ್ತುತ ಸಾಮರ್ಥ್ಯ ಆಧರಿಸಿ ಈ ಆಯ್ಕೆ ಮಾಡಬೇಕಾಗಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಹೀಗಾಗಿ ಪ್ರತಿ ತ್ರೈಮಾಸಿಕ ಅವಧಿಗೊಮ್ಮೆ ಕಂಪನಿಗಳು ಬಿಡುಗಡೆ ಮಾಡುವ ಆರ್ಥಿಕ ಲೆಕ್ಕಪತ್ರಗಳನ್ನು ಪರಾಮರ್ಶಿಸಿ. ಇಲ್ಲಿ ಯಾವುದೋ ಒಂದೆರಡು ಅಂಕಿ-ಅಂಶಗಳು ನಿರೀಕ್ಷೆಯನ್ನು ಹುಸಿಗೊಳಿಸಿರಬಹುದು. ಆದರೆ, ಅಂತಹ ವಿಚಾರ ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಕಂಪನಿಯ ಆರ್ಥಿಕ ಕ್ಷಮತೆ ಮೇಲೆ ಪರಿಣಾಮ ಬೀರುವುದಾದರೆ ಅಂತಹ ಸಂದರ್ಭದಲ್ಲಿ ಹೂಡಿಕೆ ಸೂಕ್ತವಲ್ಲ. ಹೀಗಾಗಿ, ದೂರಗಾಮಿ ಯೋಜನೆಗಳು ಪ್ರಸಕ್ತ ಸನ್ನಿವೇಶಕ್ಕಿಂತ ಉನ್ನತ ಸ್ಥಿತಿಗೆ ಕೊಂಡೊಯ್ಯುವ ಕಂಪನಿಗಳು ನಿಮ್ಮ ಮೊದಲ ಆಯ್ಕೆಯಾಗಿರಲಿ.\u003C\u002Fp\u003E\u003Cp\u003E* ಮಾರುಕಟ್ಟೆ ಸ್ಥಿತಿಗತಿ: ಕಳೆದ ಒಂದೆರಡು ತಿಂಗಳಲ್ಲಿ ದೇಶದ ಷೇರು ಮಾರುಕಟ್ಟೆಯು ಜಾಗತಿಕ ಬಿಕ್ಕಟ್ಟಿನಿಂದಾಗಿ ಶೇ 10ಕ್ಕಿಂತ ಕೆಳಗೆ ಕುಸಿದಿರುವುದು ಸತ್ಯ. ಈ ಮಟ್ಟ ಹೊಸ ಹೂಡಿಕೆಗೆ ತಳಮಟ್ಟ ಹೌದೇ, ಅಲ್ಲವೇ ಎನ್ನುವುದು ಇನ್ನು ಮುಂದಿನ ದಿನಗಳ ಆರ್ಥಿಕ ವಿದ್ಯಮಾನಗಳ ಮೇಲೂ ಅವಲಂಬಿತವಾಗಿದೆ. ಉದಾಹರಣೆಗೆ ಅಮೆರಿಕದಲ್ಲಿ ಮುಂದೆ ಅಧಿಕಾರ ಸ್ವೀಕರಿಸಲಿರುವ ಡೊನಾಲ್ಡ್‌ ಟ್ರಂಪ್ ಯಾವ ರೀತಿಯ ಆರ್ಥಿಕ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳುತ್ತಾರೆ. ಮುಂದಿನ ಫೆಬ್ರುವರಿ ತಿಂಗಳಲ್ಲಿ ಕೇಂದ್ರ ಸರ್ಕಾರ ಮಂಡಿಸುವ ಆರ್ಥಿಕ ಸಮೀಕ್ಷೆಯ ಮುನ್ನೋಟ, ಬಜೆಟ್ ಇತ್ಯಾದಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ನಡುವೆ ಸಂಭವಿಸುವ ಸಣ್ಣ ಸಣ್ಣ ಏರಿಕೆಯನ್ನು ಮಾರುಕಟ್ಟೆಯ ಪುನಃಶ್ಚೇತನ ಎಂದು ಖಚಿತವಾಗಿ ಹೇಳಲಾಗದು. ಯಾವುದೇ ಆರ್ಥಿಕತೆ ನಿಜವಾದ ಪ್ರಗತಿಯತ್ತ ಹೋಗುತ್ತಿದೆಯೇ ಅಥವಾ ತಾತ್ಕಾಲಿಕ ಪುನಃಶ್ಚೇತನವೇ ಎಂದು ತಿಳಿಯಲು ಆರ್ಥಿಕ ಅಂಕಿ–ಅಂಶಗಳು, ನಿಜವಾಗಿ ದೃಢತೆಯ ಸಂಕೇತ ಸಾರುತ್ತವೆಯೇ ಎಂಬುದನ್ನು ಗಮನಿಸಬೇಕು. ಉದಾಹರಣೆಗೆ ಜಾಗತಿಕ ಹಾಗೂ ದೇಶೀಯ ಜಿಡಿಪಿ, ಹಣದುಬ್ಬರದ ಪ್ರಮಾಣ, ಮುಂದಿನ ತ್ರೈಮಾಸಿಕ ಫಲಿತಾಂಶದ ಪೂರ್ವಭಾವಿ ಸಮೀಕ್ಷೆ, ತೆರಿಗೆ ನೀತಿಗಳ ಬದಲಾವಣೆ, ಖರೀದಿ ಸಾಮರ್ಥ್ಯ, ತೈಲ ಹಾಗೂ ಕಚ್ಚಾ ವಸ್ತುಗಳ ಸೂಚ್ಯಂಕ, ವಿದೇಶಿ ಹೂಡಿಕೆದಾರ ನಿರೀಕ್ಷೆ ಇತ್ಯಾದಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಇವುಗಳ ಧನಾತ್ಮಕ ದಿಸೆಯೇ ಒಟ್ಟಾರೆ ಮಾರುಕಟ್ಟೆಯ ಬಹುದೊಡ್ಡ ಹೂಡಿಕೆದಾರಾದ ದೇಶೀಯ ಹಾಗೂ ವಿದೇಶಿ ಸಾಂಸ್ಥಿಕ  ಹೂಡಿಕೆದಾರರನ್ನು ಆಕರ್ಷಿಸುವಂತೆ ಮಾಡುವ ಪ್ರಮುಖ ಅಂಶವಾಗಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003E* ನೀವು ಪರಿಶೀಲಿಸಬೇಕಾದ ಅಂಶಗಳು: ನೀವು ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆದಾರರಾಗಿದ್ದರೆ ಈ ಮೇಲಿನ ಅಂಶಗಳನ್ನು ಗಮನಿಸಿಕೊಂಡು ಪ್ರಸಕ್ತ ಸನ್ನಿವೇಶದಲ್ಲೂ ವಿವಿಧ ಹಂತಗಳಲ್ಲಿ ಮುಂದಿನ ದಿನಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಅಂತಹ ಸಂದರ್ಭದಲ್ಲಿ ಸಾಮಾನ್ಯ ಮಾನದಂಡಗಳಿಂದಲಾದರೂ ಆಯಾ ಕಂಪನಿಗಳ ೀಗಿನ ಆರ್ಥಿಕ ಸ್ಥಿತಿಗತಿ ಯಾವ ರೀತಿ ಇದೆ ಎಂಬುದನ್ನು ಈ ಕೆಳಗಿನ ಮಾಹಿತಿಯೊಡನೆ ಅವಲೋಕಿಸಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003E* ಮೌಲ್ಯಮಾಪನ: ಒಂದೇ ವ್ಯವಹಾರದಲ್ಲಿ ತೊಡಗಿರುವ ಅನೇಕ ಕಂಪನಿಗಳಿದ್ದಾಗ ಯಾವ ಕಂಪನಿಯ ಷೇರುಗಳು ಖರೀದಿಗೆ ಪ್ರಸ್ತುತ, ಯಾವುದು ‘ಅಂಡರ್‌ವ್ಯಾಲ್ಯೂಡ್’ ಅಥವಾ ‘ಓವರ್‌ವ್ಯಾಲ್ಯೂಡ್’ ಆಗಿವೆ ಎಂದು ತಿಳಿಯಲು, ಆಯಾ ವರ್ಗದ ಸರಾಸರಿ ಪ್ರೈಸ್ ಅರ್ನಿಂಗ್‌ಗೆ (ಪಿಇ) ತುಸು ಹತ್ತಿರದ ಪಿಇ ಮೌಲ್ಯ ಇರುವ ಕಂಪನಿಗಳನ್ನು ಪರಿಗಣಿಸಬೇಕಿದೆ. -\u003C\u002Fp\u003E\u003Cp\u003E* ತಾಂತ್ರಿಕ ಮತ್ತು ಮೂಲಭೂತ ವಿಶ್ಲೇಷಣೆ: ಅನೇಕ ಸಂಶೋಧನಾ ನಿರತ ಕಂಪನಿಗಳು ಪ್ರತಿಷ್ಠಿತ ಕಂಪನಿಗಳ ಮಾರುಕಟ್ಟೆ ಸಮೀಕ್ಷೆ ನಡೆಸಿ ತಮ್ಮ ಮೌಲ್ಯಾಂಕವನ್ನು ಆಗಾಗ ನೀಡುತ್ತಿರುತ್ತವೆ. ಇವುಗಳನ್ನು ನಿಮ್ಮ ಹೂಡಿಕೆಗೂ ಮುನ್ನ ಪರಾಮರ್ಶಿಸಿ ನಿಮ್ಮ ಹೂಡಿಕೆಯ ನಿರ್ಧಾರದ ದೃಢತೆಯನ್ನು ಮತ್ತಷ್ಟು ಹೆಚ್ಚಿಸಬಹುದು. ಇಲ್ಲಿ ಆಯಾ ವರ್ಗದ ಇತರೆ ಕಂಪನಿಗಳ ಕ್ರಿಯಾಶೀಲತೆ ಬಗ್ಗೆ ಹಾಗೂ ಅವು ಕಾರ್ಯ ನಿರ್ವಹಿಸುವ ಕ್ಷೇತ್ರದಲ್ಲಿ ಏನೆಲ್ಲಾ ಬದಲಾವಣೆಗಳು ನಡೆಯುತ್ತಿವೆ ಎಂಬ ಬಗ್ಗೆ ಒಟ್ಟಾರೆ ಮಾಹಿತಿ ಸಿಗುತ್ತದೆ. ಇಂತಹ ಸಮೀಕ್ಷೆಗಳ ಅಧ್ಯಯನ, ನಿಮ್ಮ ಒಟ್ಟಾರೆ ಹೂಡಿಕೆಯ ದೃಷ್ಟಿಕೋನವನ್ನು ವಿಸ್ತರಿಸಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eಒಂದು ವೇಳೆ ನಿಮಗೆ ತಿಳಿಯದ ಕ್ಷೇತ್ರದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಮುನ್ನ, ಹೂಡಿಕೆ ತಜ್ಞರ ಸಲಹೆಯನ್ನು ಪಡೆಯುವುದು ಉತ್ತಮವಾಗಿದೆ. ಪ್ರಸ್ತುತ ಮಾರುಕಟ್ಟೆಯ ಇಳಿತ, ಸಾಧಾರಣವಾಗಿ ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆದಾರರಿಗೆ ಉತ್ತಮ ಅವಕಾಶಗಳನ್ನು ಒದಗಿಸುವ ನಿರೀಕ್ಷೆ ಹುಟ್ಟಿಸುತ್ತದೆ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಇನ್ಫೊಸಿಸ್, ಟಿಸಿಎಸ್, ರಿಲಯನ್ಸ್, ಐಟಿಸಿ, ಕೋಲ್ ಇಂಡಿಯಾ, ಎಚ್‌ಎಎಲ್, ಏಷ್ಯನ್‌ ಪೇಂಟ್ಸ್, ಡಿಮಾರ್ಟ್, ಟಾಟಾ ಸಮೂಹದ ಕಂಪನಿಗಳನ್ನು ಆಯ್ಕೆ ಮಾಡಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತಿದ್ದೇನೆ. ಕಳೆದ ಒಂದು ತಿಂಗಳಿನಿಂದ ಮಾರುಕಟ್ಟೆ ತೀವ್ರವಾಗಿ ಕುಸಿಯುತ್ತಿದೆ. ಈ ನಡುವೆ ಮಾರುಕಟ್ಟೆ ಕೆಲವು ಬಾರಿ ಏರುವುದನ್ನೂ ಕಂಡಿದ್ದೇವೆ. ನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ ಈ ಎಲ್ಲಾ ಕಂಪನಿಗಳು ಉತ್ತಮ ಹೆಸರು ಗಳಿಸಿವೆ. ಇದರ ಆಧಾರದಲ್ಲಿ ನಾವು ಹೂಡಿಕೆ ಮಾಡುತ್ತಿದ್ದೇವೆ ಎನ್ನುವುದು ನಿಜವಿದ್ದರೂ ಈ ಕಂಪನಿಗಳ ಆಯ್ಕೆಯಲ್ಲಿ ಇನ್ನೂ ಕಾಳಜಿ ಅಗತ್ಯವೇ ಅಥವಾ ಈಗ ಕುಸಿಯುತ್ತಿರುವ ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಈ ಷೇರುಗಳು ಖರೀದಿಗೆ ಯೋಗ್ಯವೇ. ಈ ಬಗ್ಗೆ ತಿಳಿಸಿ.\r\n\r\nನಾಗೇಶ್ ಎಚ್., ಹೊನ್ನಾವರ. \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನಿಮ್ಮ ಪ್ರಶ್ನೆ ಸಹಜವಾದುದಾಗಿದೆ. ಆದರೆ, ಈ ಅಂಕಣದಲ್ಲಿ ನಾವು ಯಾವುದೇ ನಿರ್ದಿಷ್ಟ ಹೂಡಿಕೆಯ ಖರೀದಿ- ಮಾರಾಟದ ಬಗ್ಗೆ ಸಲಹೆ ನೀಡುತ್ತಿಲ್ಲ. ಆದರೆ, ಓದುಗ ಹೂಡಿಕೆದಾರರಿಗೆ ನೆರವಾಗುವ ಸಾಮಾನ್ಯ ಮಾರ್ಗಸೂಚಿಗಳನ್ನಷ್ಟೇ ನಾವು ಸೂಚಿಸಬಹುದು. ಯಾವುದೇ ಹೂಡಿಕೆಯ ಮಾರ್ಗೋಪಾಯಗಳಿದ್ದರೂ ಅದು ಕೆಲವು ಮೂಲ ಅಂಶಗಳ ಸುತ್ತ ನಮ್ಮ ನಿರ್ಧಾರ ಅವಲಂಬಿತವಾಗಿದೆ ಎಂಬ ಪ್ರಮುಖ ಅಂಶಗಳನ್ನು ಗಮನಿಸಬೇಕಾಗಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003E* ಕಂಪನಿಗಳ ಆಯ್ಕೆ ಬಗ್ಗೆ ಸಮೀಕ್ಷೆ: ನೀವು ಹೇಳಿರುವ ಕಂಪನಿಗಳು ದೇಶದ ಪ್ರಸಿದ್ಧ ಹಾಗೂ ಭರವಸೆ ಇಡಬಹುದಾದ ಕಂಪನಿಗಳೇ ಆಗಿವೆ. ಇದರಿಂದ ಅವು ಹಲವು ವರ್ಷಗಳಿಂದ ಸೂಚ್ಯಂಕಗಳ ಭಾಗವಾಗಿ ಉಳಿದಿವೆ. ಹಾಗಿದ್ದರೂ ಹೂಡಿಕೆ ಮಾಡುವಾಗ ವಿಶೇಷ ಕಾಳಜಿ ಅಗತ್ಯ. ಕಂಪನಿಗಳ ಇತಿಹಾಸ ಹಾಗೂ ಮುನ್ನೋಟ, ನಿರಂತರ ಲಾಭದಾಯಕತೆ, ಪ್ರಸ್ತುತ ಮೌಲ್ಯಮಾಪನ ಮತ್ತು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿನ ಪ್ರಸ್ತುತ ಸಾಮರ್ಥ್ಯ ಆಧರಿಸಿ ಈ ಆಯ್ಕೆ ಮಾಡಬೇಕಾಗಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಹೀಗಾಗಿ ಪ್ರತಿ ತ್ರೈಮಾಸಿಕ ಅವಧಿಗೊಮ್ಮೆ ಕಂಪನಿಗಳು ಬಿಡುಗಡೆ ಮಾಡುವ ಆರ್ಥಿಕ ಲೆಕ್ಕಪತ್ರಗಳನ್ನು ಪರಾಮರ್ಶಿಸಿ. ಇಲ್ಲಿ ಯಾವುದೋ ಒಂದೆರಡು ಅಂಕಿ-ಅಂಶಗಳು ನಿರೀಕ್ಷೆಯನ್ನು ಹುಸಿಗೊಳಿಸಿರಬಹುದು. ಆದರೆ, ಅಂತಹ ವಿಚಾರ ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಕಂಪನಿಯ ಆರ್ಥಿಕ ಕ್ಷಮತೆ ಮೇಲೆ ಪರಿಣಾಮ ಬೀರುವುದಾದರೆ ಅಂತಹ ಸಂದರ್ಭದಲ್ಲಿ ಹೂಡಿಕೆ ಸೂಕ್ತವಲ್ಲ. ಹೀಗಾಗಿ, ದೂರಗಾಮಿ ಯೋಜನೆಗಳು ಪ್ರಸಕ್ತ ಸನ್ನಿವೇಶಕ್ಕಿಂತ ಉನ್ನತ ಸ್ಥಿತಿಗೆ ಕೊಂಡೊಯ್ಯುವ ಕಂಪನಿಗಳು ನಿಮ್ಮ ಮೊದಲ ಆಯ್ಕೆಯಾಗಿರಲಿ.\u003C\u002Fp\u003E\u003Cp\u003E* ಮಾರುಕಟ್ಟೆ ಸ್ಥಿತಿಗತಿ: ಕಳೆದ ಒಂದೆರಡು ತಿಂಗಳಲ್ಲಿ ದೇಶದ ಷೇರು ಮಾರುಕಟ್ಟೆಯು ಜಾಗತಿಕ ಬಿಕ್ಕಟ್ಟಿನಿಂದಾಗಿ ಶೇ 10ಕ್ಕಿಂತ ಕೆಳಗೆ ಕುಸಿದಿರುವುದು ಸತ್ಯ. ಈ ಮಟ್ಟ ಹೊಸ ಹೂಡಿಕೆಗೆ ತಳಮಟ್ಟ ಹೌದೇ, ಅಲ್ಲವೇ ಎನ್ನುವುದು ಇನ್ನು ಮುಂದಿನ ದಿನಗಳ ಆರ್ಥಿಕ ವಿದ್ಯಮಾನಗಳ ಮೇಲೂ ಅವಲಂಬಿತವಾಗಿದೆ. ಉದಾಹರಣೆಗೆ ಅಮೆರಿಕದಲ್ಲಿ ಮುಂದೆ ಅಧಿಕಾರ ಸ್ವೀಕರಿಸಲಿರುವ ಡೊನಾಲ್ಡ್‌ ಟ್ರಂಪ್ ಯಾವ ರೀತಿಯ ಆರ್ಥಿಕ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳುತ್ತಾರೆ. ಮುಂದಿನ ಫೆಬ್ರುವರಿ ತಿಂಗಳಲ್ಲಿ ಕೇಂದ್ರ ಸರ್ಕಾರ ಮಂಡಿಸುವ ಆರ್ಥಿಕ ಸಮೀಕ್ಷೆಯ ಮುನ್ನೋಟ, ಬಜೆಟ್ ಇತ್ಯಾದಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ನಡುವೆ ಸಂಭವಿಸುವ ಸಣ್ಣ ಸಣ್ಣ ಏರಿಕೆಯನ್ನು ಮಾರುಕಟ್ಟೆಯ ಪುನಃಶ್ಚೇತನ ಎಂದು ಖಚಿತವಾಗಿ ಹೇಳಲಾಗದು. ಯಾವುದೇ ಆರ್ಥಿಕತೆ ನಿಜವಾದ ಪ್ರಗತಿಯತ್ತ ಹೋಗುತ್ತಿದೆಯೇ ಅಥವಾ ತಾತ್ಕಾಲಿಕ ಪುನಃಶ್ಚೇತನವೇ ಎಂದು ತಿಳಿಯಲು ಆರ್ಥಿಕ ಅಂಕಿ–ಅಂಶಗಳು, ನಿಜವಾಗಿ ದೃಢತೆಯ ಸಂಕೇತ ಸಾರುತ್ತವೆಯೇ ಎಂಬುದನ್ನು ಗಮನಿಸಬೇಕು. ಉದಾಹರಣೆಗೆ ಜಾಗತಿಕ ಹಾಗೂ ದೇಶೀಯ ಜಿಡಿಪಿ, ಹಣದುಬ್ಬರದ ಪ್ರಮಾಣ, ಮುಂದಿನ ತ್ರೈಮಾಸಿಕ ಫಲಿತಾಂಶದ ಪೂರ್ವಭಾವಿ ಸಮೀಕ್ಷೆ, ತೆರಿಗೆ ನೀತಿಗಳ ಬದಲಾವಣೆ, ಖರೀದಿ ಸಾಮರ್ಥ್ಯ, ತೈಲ ಹಾಗೂ ಕಚ್ಚಾ ವಸ್ತುಗಳ ಸೂಚ್ಯಂಕ, ವಿದೇಶಿ ಹೂಡಿಕೆದಾರ ನಿರೀಕ್ಷೆ ಇತ್ಯಾದಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಇವುಗಳ ಧನಾತ್ಮಕ ದಿಸೆಯೇ ಒಟ್ಟಾರೆ ಮಾರುಕಟ್ಟೆಯ ಬಹುದೊಡ್ಡ ಹೂಡಿಕೆದಾರಾದ ದೇಶೀಯ ಹಾಗೂ ವಿದೇಶಿ ಸಾಂಸ್ಥಿಕ  ಹೂಡಿಕೆದಾರರನ್ನು ಆಕರ್ಷಿಸುವಂತೆ ಮಾಡುವ ಪ್ರಮುಖ ಅಂಶವಾಗಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003E* ನೀವು ಪರಿಶೀಲಿಸಬೇಕಾದ ಅಂಶಗಳು: ನೀವು ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆದಾರರಾಗಿದ್ದರೆ ಈ ಮೇಲಿನ ಅಂಶಗಳನ್ನು ಗಮನಿಸಿಕೊಂಡು ಪ್ರಸಕ್ತ ಸನ್ನಿವೇಶದಲ್ಲೂ ವಿವಿಧ ಹಂತಗಳಲ್ಲಿ ಮುಂದಿನ ದಿನಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಅಂತಹ ಸಂದರ್ಭದಲ್ಲಿ ಸಾಮಾನ್ಯ ಮಾನದಂಡಗಳಿಂದಲಾದರೂ ಆಯಾ ಕಂಪನಿಗಳ ೀಗಿನ ಆರ್ಥಿಕ ಸ್ಥಿತಿಗತಿ ಯಾವ ರೀತಿ ಇದೆ ಎಂಬುದನ್ನು ಈ ಕೆಳಗಿನ ಮಾಹಿತಿಯೊಡನೆ ಅವಲೋಕಿಸಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003E* ಮೌಲ್ಯಮಾಪನ: ಒಂದೇ ವ್ಯವಹಾರದಲ್ಲಿ ತೊಡಗಿರುವ ಅನೇಕ ಕಂಪನಿಗಳಿದ್ದಾಗ ಯಾವ ಕಂಪನಿಯ ಷೇರುಗಳು ಖರೀದಿಗೆ ಪ್ರಸ್ತುತ, ಯಾವುದು ‘ಅಂಡರ್‌ವ್ಯಾಲ್ಯೂಡ್’ ಅಥವಾ ‘ಓವರ್‌ವ್ಯಾಲ್ಯೂಡ್’ ಆಗಿವೆ ಎಂದು ತಿಳಿಯಲು, ಆಯಾ ವರ್ಗದ ಸರಾಸರಿ ಪ್ರೈಸ್ ಅರ್ನಿಂಗ್‌ಗೆ (ಪಿಇ) ತುಸು ಹತ್ತಿರದ ಪಿಇ ಮೌಲ್ಯ ಇರುವ ಕಂಪನಿಗಳನ್ನು ಪರಿಗಣಿಸಬೇಕಿದೆ. -\u003C\u002Fp\u003E\u003Cp\u003E* ತಾಂತ್ರಿಕ ಮತ್ತು ಮೂಲಭೂತ ವಿಶ್ಲೇಷಣೆ: ಅನೇಕ ಸಂಶೋಧನಾ ನಿರತ ಕಂಪನಿಗಳು ಪ್ರತಿಷ್ಠಿತ ಕಂಪನಿಗಳ ಮಾರುಕಟ್ಟೆ ಸಮೀಕ್ಷೆ ನಡೆಸಿ ತಮ್ಮ ಮೌಲ್ಯಾಂಕವನ್ನು ಆಗಾಗ ನೀಡುತ್ತಿರುತ್ತವೆ. ಇವುಗಳನ್ನು ನಿಮ್ಮ ಹೂಡಿಕೆಗೂ ಮುನ್ನ ಪರಾಮರ್ಶಿಸಿ ನಿಮ್ಮ ಹೂಡಿಕೆಯ ನಿರ್ಧಾರದ ದೃಢತೆಯನ್ನು ಮತ್ತಷ್ಟು ಹೆಚ್ಚಿಸಬಹುದು. ಇಲ್ಲಿ ಆಯಾ ವರ್ಗದ ಇತರೆ ಕಂಪನಿಗಳ ಕ್ರಿಯಾಶೀಲತೆ ಬಗ್ಗೆ ಹಾಗೂ ಅವು ಕಾರ್ಯ ನಿರ್ವಹಿಸುವ ಕ್ಷೇತ್ರದಲ್ಲಿ ಏನೆಲ್ಲಾ ಬದಲಾವಣೆಗಳು ನಡೆಯುತ್ತಿವೆ ಎಂಬ ಬಗ್ಗೆ ಒಟ್ಟಾರೆ ಮಾಹಿತಿ ಸಿಗುತ್ತದೆ. ಇಂತಹ ಸಮೀಕ್ಷೆಗಳ ಅಧ್ಯಯನ, ನಿಮ್ಮ ಒಟ್ಟಾರೆ ಹೂಡಿಕೆಯ ದೃಷ್ಟಿಕೋನವನ್ನು ವಿಸ್ತರಿಸಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eಒಂದು ವೇಳೆ ನಿಮಗೆ ತಿಳಿಯದ ಕ್ಷೇತ್ರದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಮುನ್ನ, ಹೂಡಿಕೆ ತಜ್ಞರ ಸಲಹೆಯನ್ನು ಪಡೆಯುವುದು ಉತ್ತಮವಾಗಿದೆ. ಪ್ರಸ್ತುತ ಮಾರುಕಟ್ಟೆಯ ಇಳಿತ, ಸಾಧಾರಣವಾಗಿ ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆದಾರರಿಗೆ ಉತ್ತಮ ಅವಕಾಶಗಳನ್ನು ಒದಗಿಸುವ ನಿರೀಕ್ಷೆ ಹುಟ್ಟಿಸುತ್ತದೆ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1732132528269,"content-version-id":"85472847-0a63-408f-a7ce-c5dee8fbfe64","card-added-at":1732020024199,"status":"draft","id":"8e4a8e5e-7459-4b9f-9cff-14634d3ba6a7","content-id":"8e4a8e5e-7459-4b9f-9cff-14634d3ba6a7","version":23,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ಎಂ.ಎಫ್‌ ಡೆಬ್ಟ್ ಸ್ಕೀಂಗಳಲ್ಲಿ ಕಡಿಮೆ ಲಾಭ; ರಿಸ್ಕ್ ಇಲ್ಲವೇ?","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-11-20\u002F4xw3a9l2\u002Fprajavani2024-11-12wxdglzwxprajavani2024-07cdced727-5063-4e39-bdf8-2bde86894ff2download.avif","url":null,"attribution":null,"alt-text":null,"caption":null,"metadata":{"width":300,"height":168,"mime-type":"image\u002Favif","file-size":8563,"file-name":"prajavani2024-11-12wxdglzwxprajavani2024-07cdced727-5063-4e39-bdf8-2bde86894ff2download.avif","focus-point":[153,49]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fmutual-fund-stock-market-and-other-investment-question-and-answer-by-experts-3053819","story-version-id":"a5ca9ce9-fced-45c9-8f77-30ef954e1009","content-type":"story","content-updated-at":1732132532200,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1732132531654,"hero-image-caption":null,"version":23,"story-template":"syndicated","sequence-no":null,"created-at":1732132528261,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ 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ಯಾವುವು?","storyline-id":null,"votes":{},"story-content-id":"3438464d-5f05-4aa7-bd08-fccef21fd044","slug":"business\u002Fprashnottara\u002Fwhat-are-the-methods-of-investment-and-saving-3044525","last-published-at":1731457320000,"public-identifier":"3044525","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":3,"access-level-value":null,"content-created-at":1731415522936,"is-embargoed":false,"owner-name":"syndication","custom-slug":"What are the methods of investment and 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ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F3438464d-5f05-4aa7-bd08-fccef21fd044\u002Felement\u002F92d89090-637c-43da-8ce9-eb9a2acb10eb","type":"text","family-id":"81470955-a7f0-48a0-97e4-c4f6646daa54","title":"","id":"92d89090-637c-43da-8ce9-eb9a2acb10eb","metadata":{"question":"\u003Cp\u003Eನಾನು ಪ್ರಸಾಧನ ತಜ್ಞೆಯಾಗಿ ಕೆಲಸ ಮಾಡುತ್ತಿದ್ದೇನೆ. ನಿಯಮಿತವಾಗಿ ಹಾಗೂ ಕೆಲವೊಮ್ಮೆ ದೊಡ್ಡ ಮೊತ್ತದ ಹಣವನ್ನು ಹೂಡಿಕೆ ಮಾಡಲು ಸುರಕ್ಷಿತ ಹಾಗೂ ಸ್ವಲ್ಪವಾದರೂ ಹಣದುಬ್ಬರ ಮೀರಿ ಬೆಳೆಯಬಲ್ಲ ಹೂಡಿಕೆ ಕುರಿತ ಉತ್ತಮ ಆಯ್ಕೆ ಬಗ್ಗೆ ತಿಳಿಸಿ – ಕವಿತಾ, ಬೆಳಗಾವಿ\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನಿಮ್ಮ ಹಣವನ್ನು ನಿಯಮಿತವಾಗಿ ಅಥವಾ ಏಕ ಕಂತಿನ ಮೂಲಕ ಹೂಡಿಕೆಗೆ ಯೋಜಿಸುವುದಾದರೆ ಹಾಗೂ ನಿರ್ದಿಷ್ಟವಾಗಿ ಹಣದುಬ್ಬರ ಮಟ್ಟವನ್ನು ಮೀರಿ ಬೆಳೆಯಬಲ್ಲ ಹೂಡಿಕೆಗಳಾಗಬೇಕೆಂದರೆ ಈಕ್ವಿಟಿ, ಚಿನ್ನ ಅಥವಾ ಈಕ್ವಿಟಿ ವಿಭಾಗದ ಹೂಡಿಕೆ ಆಗಿರಬೇಕು. ಉದಾಹರಣೆಗೆ ಈಕ್ವಿಟಿ ಷೇರು, ಚಿನ್ನದ ಬಾಂಡ್ ಅಥವಾ ಫಂಡ್  ಅಥವಾ ಈಕ್ವಿಟಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿನ ಹೂಡಿಕೆಗಳಿಂದ ಮಾತ್ರ ಈ ಗುರಿ ಸಾಧ್ಯ.\u003C\u002Fp\u003E\u003Cp\u003Eಆದರೆ, ಇವುಗಳ ಸುರಕ್ಷತೆ ಅಲ್ಪಾವಧಿಗಿಂತ ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆಯಲ್ಲಿ ಹೆಚ್ಚಾಗಿ ಗೋಚರವಾಗುತ್ತದೆ. ಇನ್ನೂ ಹೇಳುವುದಾದರೆ ಮೂರು ವರ್ಷಗಳಿಗಿಂತ ಹೆಚ್ಚಿನ ಅವಧಿಗೆ ಇಂಡೆಕ್ಸ್ ಫಂಡ್‌ಗಳೂ ನಿಮಗೆ ಉತ್ತಮ ಆಯ್ಕೆ ಆಗಬಹುದು. ಹೂಡಿಕೆಯ ಮೊದಲು ನಿಮ್ಮ ಆಯ್ಕೆ ಸರಿಯಾದ ಕಂಪನಿ ಅಥವಾ ಉತ್ತಮ ಫಂಡ್‌ಗಳಲ್ಲಿದೆಯೇ ಎಂಬುದನ್ನು ಪರಾಮರ್ಶಿಸಿ ಮುಂದುವರಿಯಿರಿ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಪ್ರಸಾಧನ ತಜ್ಞೆಯಾಗಿ ಕೆಲಸ ಮಾಡುತ್ತಿದ್ದೇನೆ. ನಿಯಮಿತವಾಗಿ ಹಾಗೂ ಕೆಲವೊಮ್ಮೆ ದೊಡ್ಡ ಮೊತ್ತದ ಹಣವನ್ನು ಹೂಡಿಕೆ ಮಾಡಲು ಸುರಕ್ಷಿತ ಹಾಗೂ ಸ್ವಲ್ಪವಾದರೂ ಹಣದುಬ್ಬರ ಮೀರಿ ಬೆಳೆಯಬಲ್ಲ ಹೂಡಿಕೆ ಕುರಿತ ಉತ್ತಮ ಆಯ್ಕೆ ಬಗ್ಗೆ ತಿಳಿಸಿ – ಕವಿತಾ, ಬೆಳಗಾವಿ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನಿಮ್ಮ ಹಣವನ್ನು ನಿಯಮಿತವಾಗಿ ಅಥವಾ ಏಕ ಕಂತಿನ ಮೂಲಕ ಹೂಡಿಕೆಗೆ ಯೋಜಿಸುವುದಾದರೆ ಹಾಗೂ ನಿರ್ದಿಷ್ಟವಾಗಿ ಹಣದುಬ್ಬರ ಮಟ್ಟವನ್ನು ಮೀರಿ ಬೆಳೆಯಬಲ್ಲ ಹೂಡಿಕೆಗಳಾಗಬೇಕೆಂದರೆ ಈಕ್ವಿಟಿ, ಚಿನ್ನ ಅಥವಾ ಈಕ್ವಿಟಿ ವಿಭಾಗದ ಹೂಡಿಕೆ ಆಗಿರಬೇಕು. ಉದಾಹರಣೆಗೆ ಈಕ್ವಿಟಿ ಷೇರು, ಚಿನ್ನದ ಬಾಂಡ್ ಅಥವಾ ಫಂಡ್  ಅಥವಾ ಈಕ್ವಿಟಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿನ ಹೂಡಿಕೆಗಳಿಂದ ಮಾತ್ರ ಈ ಗುರಿ ಸಾಧ್ಯ.\u003C\u002Fp\u003E\u003Cp\u003Eಆದರೆ, ಇವುಗಳ ಸುರಕ್ಷತೆ ಅಲ್ಪಾವಧಿಗಿಂತ ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆಯಲ್ಲಿ ಹೆಚ್ಚಾಗಿ ಗೋಚರವಾಗುತ್ತದೆ. ಇನ್ನೂ ಹೇಳುವುದಾದರೆ ಮೂರು ವರ್ಷಗಳಿಗಿಂತ ಹೆಚ್ಚಿನ ಅವಧಿಗೆ ಇಂಡೆಕ್ಸ್ ಫಂಡ್‌ಗಳೂ ನಿಮಗೆ ಉತ್ತಮ ಆಯ್ಕೆ ಆಗಬಹುದು. ಹೂಡಿಕೆಯ ಮೊದಲು ನಿಮ್ಮ ಆಯ್ಕೆ ಸರಿಯಾದ ಕಂಪನಿ ಅಥವಾ ಉತ್ತಮ ಫಂಡ್‌ಗಳಲ್ಲಿದೆಯೇ ಎಂಬುದನ್ನು ಪರಾಮರ್ಶಿಸಿ ಮುಂದುವರಿಯಿರಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F3438464d-5f05-4aa7-bd08-fccef21fd044\u002Felement\u002F37f1877d-4a08-48bc-9446-ab40d0fda888","type":"text","family-id":"94843b1b-2239-4ce0-99c8-513351c99b7f","title":"","id":"37f1877d-4a08-48bc-9446-ab40d0fda888","metadata":{"question":"\u003Cp\u003Eನಾನು ಶಿಕ್ಷಕಿಯಾಗಿದ್ದು, ಗ್ರಾಮೀಣ ಭಾಗದಲ್ಲಿ ನೆಲಸಿದ್ದೇನೆ. ಇಬ್ಬರು ಮಕ್ಕಳ ತಾಯಿಯಾಗಿ ಹಾಗೂ ಮನೆಯ ಅಗತ್ಯ ವೆಚ್ಚಗಳನ್ನು ಭರಿಸಿ ಉಳಿದ ಮೊತ್ತವನ್ನು ಉಳಿತಾಯ ಮಾಡುತ್ತಿದ್ದೇನೆ. ಮಕ್ಕಳ ಮುಂದಿನ ಭವಿಷ್ಯಕ್ಕಾಗಿ ಅವರಲ್ಲಿ ಉಳಿತಾಯದ ಬಗ್ಗೆ ನಾವು ಹೇಗೆ ತಿಳಿವಳಿಕೆ ನೀಡಬಹುದು ಅಥವಾ ಅವರಿಗಾಗಿ ನಾವೇನು ಮಾರ್ಗದರ್ಶನ ಮಾಡಬಹುದು. ಕೆಲವೊಮ್ಮೆ ನಾವು ಕೊಡುವ ಹಣವನ್ನು ದುಂದುವೆಚ್ಚ ಮಾಡದ ರೀತಿ ಅವರಿಗೆ ಯಾವ ರೀತಿ ತಿಳಿ ಹೇಳಬಹುದು ಎಂಬ ಬಗ್ಗೆ ತಿಳಿಸಿ– ರಾಜಶ್ರೀ, ವಿಟ್ಲ, ದಕ್ಷಿಣ ಕನ್ನಡ ಜಿಲ್ಲೆ. \u003C\u002Fp\u003E","answer":"\u003Cp\u003Eಇಂದಿನ ದಿನಗಳಲ್ಲಿ ಎಳೆಯ ಮಕ್ಕಳ ಕೈಯಲ್ಲಿ ಅನಿವಾರ್ಯವಾಗಿ ಹಣ ನೀಡಬೇಕಾದ ಪರಿಸ್ಥಿತಿ ಇದ್ದಾಗ ಅದನ್ನು ಸಾರಾಸಗಟಾಗಿ ತಳ್ಳಿಹಾಕುವಂತಿಲ್ಲ. ಇರುವ ವ್ಯವಸ್ಥೆಯಲ್ಲಿ ನಾವು ಅವರಿಗೆ ಸರಿಯಾಗಿ ತಿಳಿವಳಿಕೆ ನೀಡಿ ಹಣವನ್ನು ಅನಿವಾರ್ಯ ಸಂದರ್ಭದಲ್ಲಿ ಉಪಯೋಗಿಸುವುದು ಹಾಗೂ ಅದರ ಮಹತ್ವವನ್ನು ಸೂಕ್ತವಾಗಿ ತಿಳಿಸಿ ಹೇಳಬಹುದು.  \u003C\u002Fp\u003E\u003Cp\u003E ವಿದ್ಯಾರ್ಥಿಗಳು ತಮ್ಮ ಶಾಲೆ ಮತ್ತು ಕಾಲೇಜು ದಿನಗಳಲ್ಲಿ ಹಣಕಾಸು ಯೋಜನೆ ಮತ್ತು ಉಳಿತಾಯ ಅಥವಾ ಹೂಡಿಕೆ ಕುರಿತು ಜಾಗೃತಿ ಹೊಂದಬೇಕಾಗುವುದು  ಮುಖ್ಯವಾಗಿದೆ. ಪ್ರಾರಂಭಿಕ ಹಂತದಲ್ಲಿ ಹಣಕಾಸಿನ ರಕ್ಷಣೆ, ಬಡ್ಡಿದರ, ಹೂಡಿಕೆಯ ವಿವಿಧ ಮಾರ್ಗಗಳು, ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಸಂಚಯವಾಗುವ ಬಡ್ಡಿ ಅಥವಾ ಹೂಡಿಕೆಯ ಸಂಚಿತ ಆದಾಯ ಇತ್ಯಾದಿ ಕುರಿತು ಅವರಿಗೆ ಅರ್ಥ ಮಾಡಿಕೊಡಬೇಕು. ಅವರು ಭವಿಷ್ಯದ ಆರ್ಥಿಕ ನೆಲೆಯಲ್ಲಿ ಸೂಕ್ತ ನಿರ್ಣಯ ತೆಗೆದುಕೊಳ್ಳಲು ನೆರವಾಗುವ ಮಾಹಿತಿ ನೀಡಬೇಕು.\u003C\u002Fp\u003E\u003Cp\u003E ಹೂಡಿಕೆ ಮತ್ತು ಹಣಕಾಸು ಜಾಗೃತಿಯು ವಿವಿಧ ಹೂಡಿಕೆಯ ಅವಕಾಶಗಳಾದ ಷೇರು ಮಾರುಕಟ್ಟೆ, ನಿಶ್ಚಿತ ಠೇವಣಿ (ಫಿಕ್ಸೆಡ್‌ ಡೆಪಾಸಿಟ್), ಬಾಂಡ್, ಮ್ಯೂಚುವಲ್ ಫಂಡ್, ಸ್ಥಿರ ಆಸ್ತಿ ಮತ್ತು ಇತರೆ ಉಳಿತಾಯದ ಅವಶ್ಯಕತೆ ಬಗ್ಗೆ ತಿಳಿಯುವಲ್ಲಿ ಇದು ಅವರಿಗೆ ನೆರವಾಗುತ್ತದೆ. ಇಂತಹ ಜಾಗೃತಿಯು ಯುವಜನರಿಗೆ ಕೇವಲ ಉಳಿತಾಯದ ಮಹತ್ವವನ್ನು ಮಾತ್ರವಲ್ಲ, ಬಡ್ಡಿ ಮತ್ತು ವಿವಿಧ ಬಗೆಯ ಹೂಡಿಕೆಗಳಲ್ಲಿ ಹಣ ಹೂಡುವುದರಿಂದ ಉಂಟಾಗುವ ನಷ್ಟ ಮತ್ತು ಲಾಭ ಎರಡನ್ನೂ ಕಾರಣ ಸಹಿತ ಅರ್ಥಮಾಡಿಕೊಳ್ಳಲು ಸಹಾಯ ಮಾಡುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003E ಯುವಜನರಲ್ಲಿ ಶಾಲೆ ಮತ್ತು ಕಾಲೇಜು ದಿನಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮತ್ತು ಉಳಿತಾಯದ ಅಭ್ಯಾಸವನ್ನು ಬೆಳೆಸುವುದು ಪಾಲಕರ ವಿಶ್ವಾಸ ವೃದ್ಧಿಸುವಂತೆ ಮಾಡುತ್ತದೆ. ಅಲ್ಲದೆ, ತಮ್ಮ ಭವಿಷ್ಯದ ಆರ್ಥಿಕ ಸ್ಥಿರತೆಗೆ ಒಂದು ಆಧಾರವಾಗಬಲ್ಲದು. ಉದಾಹರಣೆಗೆ ಪದೇ ಪದೇ ಮಾಡುವ ಮನೋರಂಜನಾ ವೆಚ್ಚ, ಅರ್ಹತೆ ಹಾಗೂ ಅನಿವಾರ್ಯತೆಗಿಂತ ಅಧಿಕ ಮಟ್ಟದ ವಿಲಾಸಿ ಬದುಕಿನ ವ್ಯಾಮೋಹ, ನಮ್ಮ ಆರ್ಥಿಕ ಕ್ಷಮತೆ ವೃದ್ಧಿಸುವ ಸಾಮರ್ಥ್ಯವನ್ನು ತಡೆಯುತ್ತದೆ. ಈ ಬಗ್ಗೆ ಪಠ್ಯಕ್ರಮವನ್ನು ಮೀರಿದ ನಿತ್ಯದ ಬದುಕಿಗೆ ಬೇಕಾದ ಜ್ಞಾನದ ಹಂಚಿಕೆಯ ಅರಿವು ಮೂಡಿಸುವ ಜವಾಬ್ದಾರಿ ಹಾಗೂ ಅನಿವಾರ್ಯತೆ ಇಂದು ಪೋಷಕರಿಗೂ, ಶಾಲಾ ಕಾಲೇಜುಗಳಿಗೂ ಇದೆ.  \u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಶಿಕ್ಷಕಿಯಾಗಿದ್ದು, ಗ್ರಾಮೀಣ ಭಾಗದಲ್ಲಿ ನೆಲಸಿದ್ದೇನೆ. ಇಬ್ಬರು ಮಕ್ಕಳ ತಾಯಿಯಾಗಿ ಹಾಗೂ ಮನೆಯ ಅಗತ್ಯ ವೆಚ್ಚಗಳನ್ನು ಭರಿಸಿ ಉಳಿದ ಮೊತ್ತವನ್ನು ಉಳಿತಾಯ ಮಾಡುತ್ತಿದ್ದೇನೆ. ಮಕ್ಕಳ ಮುಂದಿನ ಭವಿಷ್ಯಕ್ಕಾಗಿ ಅವರಲ್ಲಿ ಉಳಿತಾಯದ ಬಗ್ಗೆ ನಾವು ಹೇಗೆ ತಿಳಿವಳಿಕೆ ನೀಡಬಹುದು ಅಥವಾ ಅವರಿಗಾಗಿ ನಾವೇನು ಮಾರ್ಗದರ್ಶನ ಮಾಡಬಹುದು. ಕೆಲವೊಮ್ಮೆ ನಾವು ಕೊಡುವ ಹಣವನ್ನು ದುಂದುವೆಚ್ಚ ಮಾಡದ ರೀತಿ ಅವರಿಗೆ ಯಾವ ರೀತಿ ತಿಳಿ ಹೇಳಬಹುದು ಎಂಬ ಬಗ್ಗೆ ತಿಳಿಸಿ– ರಾಜಶ್ರೀ, ವಿಟ್ಲ, ದಕ್ಷಿಣ ಕನ್ನಡ ಜಿಲ್ಲೆ. \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eಇಂದಿನ ದಿನಗಳಲ್ಲಿ ಎಳೆಯ ಮಕ್ಕಳ ಕೈಯಲ್ಲಿ ಅನಿವಾರ್ಯವಾಗಿ ಹಣ ನೀಡಬೇಕಾದ ಪರಿಸ್ಥಿತಿ ಇದ್ದಾಗ ಅದನ್ನು ಸಾರಾಸಗಟಾಗಿ ತಳ್ಳಿಹಾಕುವಂತಿಲ್ಲ. ಇರುವ ವ್ಯವಸ್ಥೆಯಲ್ಲಿ ನಾವು ಅವರಿಗೆ ಸರಿಯಾಗಿ ತಿಳಿವಳಿಕೆ ನೀಡಿ ಹಣವನ್ನು ಅನಿವಾರ್ಯ ಸಂದರ್ಭದಲ್ಲಿ ಉಪಯೋಗಿಸುವುದು ಹಾಗೂ ಅದರ ಮಹತ್ವವನ್ನು ಸೂಕ್ತವಾಗಿ ತಿಳಿಸಿ ಹೇಳಬಹುದು.  \u003C\u002Fp\u003E\u003Cp\u003E ವಿದ್ಯಾರ್ಥಿಗಳು ತಮ್ಮ ಶಾಲೆ ಮತ್ತು ಕಾಲೇಜು ದಿನಗಳಲ್ಲಿ ಹಣಕಾಸು ಯೋಜನೆ ಮತ್ತು ಉಳಿತಾಯ ಅಥವಾ ಹೂಡಿಕೆ ಕುರಿತು ಜಾಗೃತಿ ಹೊಂದಬೇಕಾಗುವುದು  ಮುಖ್ಯವಾಗಿದೆ. ಪ್ರಾರಂಭಿಕ ಹಂತದಲ್ಲಿ ಹಣಕಾಸಿನ ರಕ್ಷಣೆ, ಬಡ್ಡಿದರ, ಹೂಡಿಕೆಯ ವಿವಿಧ ಮಾರ್ಗಗಳು, ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಸಂಚಯವಾಗುವ ಬಡ್ಡಿ ಅಥವಾ ಹೂಡಿಕೆಯ ಸಂಚಿತ ಆದಾಯ ಇತ್ಯಾದಿ ಕುರಿತು ಅವರಿಗೆ ಅರ್ಥ ಮಾಡಿಕೊಡಬೇಕು. ಅವರು ಭವಿಷ್ಯದ ಆರ್ಥಿಕ ನೆಲೆಯಲ್ಲಿ ಸೂಕ್ತ ನಿರ್ಣಯ ತೆಗೆದುಕೊಳ್ಳಲು ನೆರವಾಗುವ ಮಾಹಿತಿ ನೀಡಬೇಕು.\u003C\u002Fp\u003E\u003Cp\u003E ಹೂಡಿಕೆ ಮತ್ತು ಹಣಕಾಸು ಜಾಗೃತಿಯು ವಿವಿಧ ಹೂಡಿಕೆಯ ಅವಕಾಶಗಳಾದ ಷೇರು ಮಾರುಕಟ್ಟೆ, ನಿಶ್ಚಿತ ಠೇವಣಿ (ಫಿಕ್ಸೆಡ್‌ ಡೆಪಾಸಿಟ್), ಬಾಂಡ್, ಮ್ಯೂಚುವಲ್ ಫಂಡ್, ಸ್ಥಿರ ಆಸ್ತಿ ಮತ್ತು ಇತರೆ ಉಳಿತಾಯದ ಅವಶ್ಯಕತೆ ಬಗ್ಗೆ ತಿಳಿಯುವಲ್ಲಿ ಇದು ಅವರಿಗೆ ನೆರವಾಗುತ್ತದೆ. ಇಂತಹ ಜಾಗೃತಿಯು ಯುವಜನರಿಗೆ ಕೇವಲ ಉಳಿತಾಯದ ಮಹತ್ವವನ್ನು ಮಾತ್ರವಲ್ಲ, ಬಡ್ಡಿ ಮತ್ತು ವಿವಿಧ ಬಗೆಯ ಹೂಡಿಕೆಗಳಲ್ಲಿ ಹಣ ಹೂಡುವುದರಿಂದ ಉಂಟಾಗುವ ನಷ್ಟ ಮತ್ತು ಲಾಭ ಎರಡನ್ನೂ ಕಾರಣ ಸಹಿತ ಅರ್ಥಮಾಡಿಕೊಳ್ಳಲು ಸಹಾಯ ಮಾಡುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003E ಯುವಜನರಲ್ಲಿ ಶಾಲೆ ಮತ್ತು ಕಾಲೇಜು ದಿನಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮತ್ತು ಉಳಿತಾಯದ ಅಭ್ಯಾಸವನ್ನು ಬೆಳೆಸುವುದು ಪಾಲಕರ ವಿಶ್ವಾಸ ವೃದ್ಧಿಸುವಂತೆ ಮಾಡುತ್ತದೆ. ಅಲ್ಲದೆ, ತಮ್ಮ ಭವಿಷ್ಯದ ಆರ್ಥಿಕ ಸ್ಥಿರತೆಗೆ ಒಂದು ಆಧಾರವಾಗಬಲ್ಲದು. ಉದಾಹರಣೆಗೆ ಪದೇ ಪದೇ ಮಾಡುವ ಮನೋರಂಜನಾ ವೆಚ್ಚ, ಅರ್ಹತೆ ಹಾಗೂ ಅನಿವಾರ್ಯತೆಗಿಂತ ಅಧಿಕ ಮಟ್ಟದ ವಿಲಾಸಿ ಬದುಕಿನ ವ್ಯಾಮೋಹ, ನಮ್ಮ ಆರ್ಥಿಕ ಕ್ಷಮತೆ ವೃದ್ಧಿಸುವ ಸಾಮರ್ಥ್ಯವನ್ನು ತಡೆಯುತ್ತದೆ. ಈ ಬಗ್ಗೆ ಪಠ್ಯಕ್ರಮವನ್ನು ಮೀರಿದ ನಿತ್ಯದ ಬದುಕಿಗೆ ಬೇಕಾದ ಜ್ಞಾನದ ಹಂಚಿಕೆಯ ಅರಿವು ಮೂಡಿಸುವ ಜವಾಬ್ದಾರಿ ಹಾಗೂ ಅನಿವಾರ್ಯತೆ ಇಂದು ಪೋಷಕರಿಗೂ, ಶಾಲಾ ಕಾಲೇಜುಗಳಿಗೂ ಇದೆ.  \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F3438464d-5f05-4aa7-bd08-fccef21fd044\u002Felement\u002Fb7115ff0-2868-4ee5-887b-5467dda03510","type":"text","family-id":"c1c3c2fa-30b2-4657-9d94-4cb864eea244","title":"","id":"b7115ff0-2868-4ee5-887b-5467dda03510","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಈ ನಿಟ್ಟಿನಲ್ಲಿ ಕೆಲವು ಪರಿಣಾಮಕಾರಿ ಹೂಡಿಕೆ ಮತ್ತು ಉಳಿತಾಯದ ವಿಧಾನಗಳು ಹೀಗಿವೆ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F3438464d-5f05-4aa7-bd08-fccef21fd044\u002Felement\u002F8ea5a0a1-6aa0-4ffe-9647-e844fd0eec9f","type":"text","family-id":"912112b1-ded3-4771-8c7c-6c98cc1b3897","title":"","id":"8ea5a0a1-6aa0-4ffe-9647-e844fd0eec9f","metadata":{},"subtype":null,"text":"\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003Eಸರಳ ಉಳಿತಾಯದಿಂದ ಪ್ರಾರಂಭಿಸಿ:\u003C\u002Fstrong\u003E ಮಕ್ಕಳಿಗೆ ನಿಮ್ಮ ಒಂದು ‘ಪಿಗ್ಗಿ ಬ್ಯಾಂಕ್’ ಕೊಟ್ಟು ಪ್ರತಿದಿನ ಅದರಲ್ಲಿ ಅವರ ಕೈಯಿಂದ ಹಣ ಉಳಿತಾಯಕ್ಕೆ ಪ್ರೇರಣೆ ನೀಡಿ. ಅದಕ್ಕಾಗಿ ನಾಣ್ಯಗಳನ್ನೋ, ಹೊಸ ನೋಟುಗಳನ್ನೋ ಸಂಗ್ರಹಿಸಿ ಕೊಡಿ. ಸಂಗ್ರಹವಾದ ಮೊತ್ತವನ್ನು ಯಾವುದಾದರೂ ಉತ್ತಮ ಅಗತ್ಯಕ್ಕೆ ಉಪಯೋಗಿಸುವ ಭರವಸೆ ನೀಡಿ ಈಡೇರಿಸಿ.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003Eಬ್ಯಾಂಕ್ ಖಾತೆ ತೆರೆಯಿರಿ:\u003C\u002Fstrong\u003E ಮಕ್ಕಳ ಹೆಸರಲ್ಲಿ, ನಿಮ್ಮ ಸುಪರ್ದಿನಲ್ಲಿ ಬ್ಯಾಂಕ್ ಖಾತೆ ತೆರೆಸಿ. ಅವಕಾಶ ಇದ್ದಾಗ ನಿಮ್ಮೊಂದಿಗೆ ಅವರನ್ನೂ ಬ್ಯಾಂಕ್‌ಗೆ ಕರೆದುಕೊಂಡು ಹೋಗಿ ವಿವಿಧ ರೀತಿಯ ವ್ಯವಹಾರಗಳ ಬಗ್ಗೆ ತೋರಿಸಿ ತಿಳಿ ಹೇಳಿ. ಇದು ಅವರ ಯೋಚನೆಯಲ್ಲಿ ಹೊಸ ಬದಲಾವಣೆ ತರಬಲ್ಲದು. ಅದೇ ರೀತಿ ಅವರು 18 ವರ್ಷ ತುಂಬುವ ತನಕ ಮಾಹಿತಿ ನೀಡುತ್ತಾ ಮುಂದುವರಿಯಿರಿ, ಮುಂದೆಯೂ ಮಾರ್ಗದರ್ಶನ ನೀಡಿ.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E \u003Cstrong\u003Eತುರ್ತು ನಿಧಿ: \u003C\u002Fstrong\u003Eತುರ್ತು ನಿಧಿ ನಿರ್ಮಿಸುವುದು ಮನೆಯ ನಿಮ್ಮ ಮಕ್ಕಳಿಗೂ ತಿಳಿದಿರಲಿ. ನಿತ್ಯ ಉಪಯೋಗಕ್ಕಷ್ಟೇ ಅಲ್ಲದೆ ವೇತನದ ಸ್ವಲ್ಪ ಭಾಗವನ್ನು ಉಳಿಸುವುದು ಅನಿರೀಕ್ಷಿತ ಖರ್ಚುಗಳನ್ನು ನಿಭಾಯಿಸಲು ಮತ್ತು ಸಾಲದ ಅವಶ್ಯಕತೆಯನ್ನು ಕಡಿಮೆ ಮಾಡಲು ಸಹಾಯಕವಾಗಿದೆ. ಈ ನಿಧಿಯ ಮಹತ್ವ ಕುರಿತು ಅವರಿಗೆ ತಿಳಿಸಿ. ಉದಾಹರಣೆಗೆ ಅನಿರೀಕ್ಷಿತವಾಗಿ ಬರುವ ಆರೋಗ್ಯ ವೆಚ್ಚ, ಉನ್ನತ ಶಿಕ್ಷಣ, ಹೆಚ್ಚುವರಿ ಲಾಭಕ್ಕಾಗಿನ ಹೂಡಿಕೆ, ಮಕ್ಕಳ ಮದುವೆ ಇತ್ಯಾದಿ  ಖರ್ಚಿನ ನಿರ್ವಹಣೆ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003Eಮಾಸಿಕ ಖರ್ಚು ಆದಾಯ:\u003C\u002Fstrong\u003E ದೇಶದ ಬಜೆಟ್ ಇದ್ದಂತೆ ಮನೆಗೊಂದು ಬಜೆಟ್ ಇಟ್ಟುಕೊಳ್ಳುವುದು, ಖರ್ಚು ನಿಯಂತ್ರಿಸಲು ಮತ್ತು ಹೆಚ್ಚುವರಿ ಹಣವನ್ನು ಉಳಿಸಲು ಸಹಾಯ ಮಾಡುತ್ತದೆ. ಇದು ಎಲ್ಲರ ಆದಾಯ, ಅನಿವಾರ್ಯದ ಖರ್ಚು ಅಂದಾಜಿಸಿ ಸಂಕಲಿಸಿದ್ದಾಗಿರಲಿ. ಅಗತ್ಯಕ್ಕೆ ತಕ್ಕಂತೆ ಮಕ್ಕಳನ್ನೂ ಇದರಲ್ಲಿ ಭಾಗಿಯಾಗಿಸಿ.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003E ಹೂಡಿಕೆಗಳು:\u003C\u002Fstrong\u003E ನೀವು ಷೇರು, ಮ್ಯೂಚುವಲ್ ಫಂಡ್, ಇನ್ಶೂರೆನ್ಸ್, ಪಿಪಿಎಫ್ ಇತ್ಯಾದಿ ಉತ್ಪನ್ನದ ವಿಚಾರಗಳ ಬಗ್ಗೆ ಹೆಚ್ಚಿನ ಮಾಹಿತಿ ಸಂಗ್ರಹಿಸಿ ಮಕ್ಕಳನ್ನೂ ಒಳಗೊಂಡು ಹೂಡಿಕೆ ಮಾಡುವ ಬಗ್ಗೆ ಇರುವ ನಿಮ್ಮ ಅಭಿಪ್ರಾಯವನ್ನು ಮನನ ಮಾಡಿಸಿ. ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಅದರ ವಾರಸುದಾರರು ಅವರೇ ಆಗಿರುತ್ತಾರೆ. ಅದರೊಡನೆ ಲಾಭ- ನಷ್ಟದ ಪರಿಣಾಮ, ಆರ್ಥಿಕ ವಂಚನೆ, ಅಪಾಯ ಇತ್ಯಾದಿ ಬಗ್ಗೆಯೂ ತಿಳಿಸಿ. ಅದಕ್ಕಾಗಿ ನಮ್ಮೆದುರು ಕಾಣುವ ದೃಷ್ಟಾಂತ ಉದಾಹರಣೆಯನ್ನೇ ಕೊಡಬಹುದು.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003Eಹಣಕಾಸಿನ ಬಗ್ಗೆ ಜಾಗೃತಿ ಮಾಹಿತಿ:\u003C\u002Fstrong\u003E ನಮಗರಿವಿಲ್ಲದ ಅನೇಕ ಮಾಹಿತಿ, ಹಣಕಾಸಿನ ಬಗ್ಗೆ ಇರುವ ಪುಸ್ತಕಗಳ ಮೂಲಕ ಆನ್‌ಲೈನ್‌ ತರಗತಿ- ಮಾರ್ಗದರ್ಶನದ ಮೂಲಕ ಪಡೆಯುವಂತೆ ಹಾಗೂ ವಿಶೇಷ ಜ್ಞಾನವನ್ನು ಬೆಳೆಸುವಂತೆ ಅನುಕೂಲ ಮಾಡಿಕೊಡಿ.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E"},{"description":"","page-url":"\u002Fstory\u002F3438464d-5f05-4aa7-bd08-fccef21fd044\u002Felement\u002F4348bb30-4750-4591-ad47-fe971d34f0c1","type":"text","family-id":"0cb26b1e-27d8-48d8-8ac7-80208b5bc9ad","title":"","id":"4348bb30-4750-4591-ad47-fe971d34f0c1","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಈ ಎಲ್ಲ ವಿಧಾನಗಳು ಯುವಜನರಿಗೆ ಭವಿಷ್ಯದ ಆರ್ಥಿಕ ಸುಸ್ಥಿರತೆ, ಶಿಸ್ತಿನ ಹೂಡಿಕೆ, ಆರ್ಥಿಕ ಸಂಸ್ಕೃತಿ ರೂಪಿಸುವಲ್ಲಿ ಮತ್ತು ಆರ್ಥಿಕ ಸ್ವಾಯತ್ತತೆ ಸಾಧಿಸಲು ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ನೆರವಾಗಬಹುದು.\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1731442503812,"content-version-id":"826d79e1-ae44-44a4-9aaa-961e0d77fd99","card-added-at":1731415523083,"status":"draft","id":"b0a82b2b-015a-47df-ba56-9ab8661dd820","content-id":"b0a82b2b-015a-47df-ba56-9ab8661dd820","version":15,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ | ಪರಿಣಾಮಕಾರಿ ಹೂಡಿಕೆ ಮತ್ತು ಉಳಿತಾಯದ ವಿಧಾನಗಳು ಯಾವುವು?","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-11-12\u002Fwxdglzwx\u002Fprajavani2024-07cdced727-5063-4e39-bdf8-2bde86894ff2download.avif","url":null,"attribution":null,"alt-text":null,"caption":null,"metadata":{"width":300,"height":168,"mime-type":"image\u002Favif","file-size":7498,"file-name":"prajavani2024-07cdced727-5063-4e39-bdf8-2bde86894ff2download.avif","focus-point":[141,72]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fwhat-are-the-methods-of-investment-and-saving-3044525","story-version-id":"9559bdb7-c809-4da3-8865-806441986bfa","content-type":"story","content-updated-at":1731457319527,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1731457320000,"hero-image-caption":null,"version":15,"story-template":"syndicated","sequence-no":null,"created-at":1731442503804,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ ಸುದ್ದಿ"]},"imported-card-id":"b0a82b2b-015a-47df-ba56-9ab8661dd820","card-share":{"shareable":false}},"publish-at":1731457320000,"assignee-name":"syndication"}},{"id":"6f859a2b-0941-4dd8-bfd4-b5ec2f965705","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ: ಹೂಡಿಕೆ, ಆರ್ಥಿಕ ಸಮಸ್ಯೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ"]},"story":{"updated-at":1730855929796,"seo":{"meta-description":"ಷೇರುಪೇಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಎಲ್ಲರಿಗೂ ಸಮಾನ ಹಾಗೂ ಮುಕ್ತ ಅವಕಾಶವಿದ್ದು, ಅಗತ್ಯವಿರುವ ಬ್ಯಾಂಕ್ ಖಾತೆ ಹಾಗೂ ಕೆವೈಸಿ ದಾಖಲೆಗಳನ್ನು ಸೆಬಿ ನೋಂದಾಯಿತ ಯಾವುದೇ ಬ್ರೋಕರ್‌ಗೆ ಸಲ್ಲಿಸುವ ಮೂಲಕ ಡಿಮ್ಯಾಟ್ ಖಾತೆ ತೆರೆದು ಹೂಡಿಕೆ ಆರಂಭಿಸಬಹುದು","meta-keywords":["Investment","Stock market","Savings"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5509830,"name":"Stock market","meta-description":null,"meta-title":null,"slug":"stock-market","tag-type":"Tag"},{"id":5510710,"name":"Investment","meta-description":null,"meta-title":null,"slug":"investment","tag-type":"Tag"},{"id":5511310,"name":"Savings","meta-description":null,"meta-title":null,"slug":"savings","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ಹೂಡಿಕೆ, ಆರ್ಥಿಕ ಸಮಸ್ಯೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ","storyline-id":null,"votes":{},"story-content-id":"6f859a2b-0941-4dd8-bfd4-b5ec2f965705","slug":"business\u002Fprashnottara\u002Fexpert-answers-to-questions-related-to-financial-investment-financial-problems-3035922","last-published-at":1730855931428,"public-identifier":"3035922","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1730816430407,"is-embargoed":false,"owner-name":"syndication","custom-slug":"Expert answers to questions related to financial investment, financial problems","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"original-url":"http:\u002F\u002Fdcxprod.tpml.in\u002Fdevice_dh\u002Foriginal5\u002F2022\u002F01-24\u002F28\u002Fd0\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","width":1280,"height":1280,"focus-point":[631,280]},"comments":null,"word-count":549,"story-features":null,"entities":{},"published-at":1730855931428,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7xx7fpmihc9121ds9ntc","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"6f859a2b-0941-4dd8-bfd4-b5ec2f965705","hero-image-s3-key":"prajavani\u002F2024-11-05\u002Fjqzbfwji\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F6f859a2b-0941-4dd8-bfd4-b5ec2f965705\u002Felement\u002F28396a55-50db-4ef3-8a0f-97d60c71c28e","type":"text","family-id":"07db1dfb-cf02-47e2-a6c1-779e7a6a95e4","title":"","id":"28396a55-50db-4ef3-8a0f-97d60c71c28e","metadata":{},"subtype":"question","text":"\u003Cp\u003Eಪ್ರಶ್ನೆ: ನಾನು ಪ್ರೌಢ ಶಾಲಾ ಶಿಕ್ಷಕನಾಗಿದ್ದು, ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೂಡಿಕೆಯನ್ನು ಮಾಡಬಹುದೇ? ದಯವಿಟ್ಟು ತಿಳಿಸಿ.\r\n\r\nಚಂದ್ರಶೇಖರಾಚಾರ್ಯ ಪುರೋಹಿತ್, ಊರು ತಿಳಿಸಿಲ್ಲ  \r\n\r\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F6f859a2b-0941-4dd8-bfd4-b5ec2f965705\u002Felement\u002F4e684568-e7eb-49aa-b071-8a49997654cc","type":"text","family-id":"2aa29ab7-1f44-48a1-9bb7-e33ee35631e1","title":"","id":"4e684568-e7eb-49aa-b071-8a49997654cc","metadata":{},"subtype":"answer","text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ: \u003C\u002Fstrong\u003Eಷೇರುಪೇಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಎಲ್ಲರಿಗೂ ಸಮಾನ ಹಾಗೂ ಮುಕ್ತ ಅವಕಾಶವಿದ್ದು, ಅಗತ್ಯವಿರುವ ಬ್ಯಾಂಕ್ ಖಾತೆ ಹಾಗೂ ಕೆವೈಸಿ ದಾಖಲೆಗಳನ್ನು ಸೆಬಿ ನೋಂದಾಯಿತ ಯಾವುದೇ ಬ್ರೋಕರ್‌ಗೆ ಸಲ್ಲಿಸುವ ಮೂಲಕ ಡಿಮ್ಯಾಟ್ ಖಾತೆ ತೆರೆದು ಹೂಡಿಕೆ ಆರಂಭಿಸಬಹುದು. ಪ್ರಸ್ತುತ ದಿನಗಳಲ್ಲಿ, ಸ್ವತಃ ಆನ್‌ಲೈನ್‌–ಮೊಬೈಲ್ ಮೂಲಕವೂ ಖಾತೆ ತೆರೆದು ಯಾವುದೇ ಸಂದರ್ಭದಲ್ಲಿ ವ್ಯವಹರಿಸಬಹುದು. ಹೆಚ್ಚಿನ ಸಂದರ್ಭಗಳಲ್ಲಿ ಆಧಾರ್ ಒಟಿಪಿ ಮೂಲಕವೇ ನಿಮ್ಮ ದಾಖಲೆಗಳು ಪರಿಶೀಲನೆಯಾಗುತ್ತವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಆದರೆ, ಇಲ್ಲಿ ಗಮನಿಸಬೇಕಾದ ಮುಖ್ಯ ಅಂಶವೆಂದರೆ, ನಿಮ್ಮ ಉದ್ದೇಶ, ಆ ಉದ್ದೇಶ ಸಾಧನೆಯ ಬಗೆಗಿರುವ ನಿಮ್ಮ ಪರಿಣತಿ, ಹೂಡಿಕೆದಾರರಿಗೆ ಇರಬೇಕಾದ ಸಾವಧಾನವೇ ಗೆಲುವಿನ ಪ್ರಮುಖ ಸಾಧನ. ಇಂದು ಸಾವಿರಾರು ಕಂಪನಿಗಳಿರುವ ಕಾರಣ ಅನಗತ್ಯ ಗೊಂದಲಕ್ಕೊಳಗಾಗದೆ, ಪ್ರತಿ ಷೇರು ಆಯ್ಕೆಯಲ್ಲಿರಬೇಕಾದ ಸೂಕ್ಷ್ಮವನ್ನು ಅರಿತು, ಕಂಪನಿ ಹಾಗೂ ಆ ಉದ್ಯಮ ವಲಯದ ಸಾಧಕ ಬಾಧಕಗಳನ್ನು ತಿಳಿದು, ಮಾರುಕಟ್ಟೆಯ ಏರಿಳಿತದ ಸಂದರ್ಭಗಳಲ್ಲಿ ಸಕಾಲಿಕವಾಗಿ ವ್ಯವಹರಿಸುವುದು ಇಲ್ಲಿ ಎಲ್ಲದಕ್ಕಿಂತ ಮುಖ್ಯ ಅಂಶ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F6f859a2b-0941-4dd8-bfd4-b5ec2f965705\u002Felement\u002F52b2dbf0-7686-45f5-a3e6-0daa5fc07e71","type":"text","family-id":"9fe8e1e1-4edf-4479-9513-23abd90ab33c","title":"","id":"52b2dbf0-7686-45f5-a3e6-0daa5fc07e71","metadata":{},"subtype":"question","text":"\u003Cp\u003Eಪ್ರಶ್ನೆ: ನಾನು ಉದ್ಯೋಗದಿಂದ ನಿವೃತ್ತಿ ಹೊಂದಿ ಹತ್ತು ವರ್ಷಗಳಾಗಿವೆ. ಹಿಂದೆ ಖಾಸಗಿ ಕಂಪನಿಯಲ್ಲಿ ಉದ್ಯೋಗ ಮಾಡಿ ಸ್ವಂತ ಮನೆ ಕಟ್ಟಿಸಿದೆ. ಈ ಸಂದರ್ಭದಲ್ಲಿ ನನ್ನ ಹೆಚ್ಚಿನ ಉಳಿತಾಯದ ಮೊತ್ತವನ್ನು ಮನೆಯ ನಿರ್ಮಾಣಕ್ಕೆ ಖರ್ಚು ಮಾಡಿದ್ದೆ. ಹೀಗಾಗಿ ಸಾಧ್ಯವಾದಷ್ಟು ಕಡಿಮೆ ಮೊತ್ತದ ಬ್ಯಾಂಕ್ ಸಾಲದಲ್ಲಿ ಈ ಮನೆಯ ನಿರ್ಮಾಣ ಸಾಧ್ಯವಾಯಿತು. ಪ್ರಸ್ತುತ ಯಾವುದೇ ಬ್ಯಾಂಕ್‌ನಲ್ಲಿ ಸಾಲ ಇಲ್ಲ. ನಾನು ಹಾಗೂ ನನ್ನ ಪತ್ನಿ, ಆಕೆಯ ಹೆಸರಲ್ಲಿರುವ ಉಳಿತಾಯದ ಮೇಲೆ ಬರುವ ಬಡ್ಡಿಯಿಂದ ಜೀವನ ನಡೆಸುತ್ತಿದ್ದೇವೆ. ನಮಗೆ ಮಕ್ಕಳಿಲ್ಲ, ಆದರೆ ಸಹೋದರ ಹಾಗೂ ಅವರ ಮಕ್ಕಳಿದ್ದಾರೆ.\r\n\r\nನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ, ನಮ್ಮ ಬದುಕಿಗೆ ಹಾಗೂ ಆರೋಗ್ಯ ವಿಚಾರದ ಸಮಸ್ಯೆಗಳಿಗೆ ಮುಂದೆ ಏನಾದರೂ ತೊಂದರೆ ಬಂದರೆ, ಯಾವುದೇ ಹೆಚ್ಚಿನ ಮೊತ್ತ ನಮ್ಮಲ್ಲಿಲ್ಲ. ಆ ಸಂದರ್ಭದಲ್ಲಿ ಸುಮಾರು ₹2 ಕೋಟಿ ಮೌಲ್ಯದ ಆಸ್ತಿ ಹೊಂದಿದ್ದರೂ ಆರ್ಥಿಕ ಸಮಸ್ಯೆ ಎದುರಾಗದಂತೆ ಯಾವ ರೀತಿ ಬದುಕು ನಿಭಾಯಿಸಬಹುದು. ಕೆಲವೊಮ್ಮೆ ಉಳಿತಾಯ ಮಾಡಿದ್ದ ಮೊತ್ತ ಉಪಯೋಗಿಸದೆ, ಬ್ಯಾಂಕಿನಿಂದ ಅಧಿಕ ಸಾಲ ಪಡೆದು ಮನೆ ಕಟ್ಟಿಸಬಹುದಿತ್ತು ಎಂದೇ ಅನಿಸುತ್ತಿದೆ. ಈ ಬಗ್ಗೆ ಸಲಹೆಯ ಅಗತ್ಯವಿದೆ. ತಿಳಿಸಿ.\u003C\u002Fp\u003E \u003Cp\u003Eಹೆಸರು ಬೇಡ, ಬೆಂಗಳೂರು\r\n\r\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F6f859a2b-0941-4dd8-bfd4-b5ec2f965705\u002Felement\u002F94505a10-723e-4a28-a92d-048deeff2773","type":"text","family-id":"1df8c043-6041-44f7-9c6c-04efa48e84ad","title":"","id":"94505a10-723e-4a28-a92d-048deeff2773","metadata":{},"subtype":"answer","text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ: \u003C\u002Fstrong\u003Eನಿವೃತ್ತಿ ಜೀವನದ ಬಗ್ಗೆ ನಾವು ಯೋಚಿಸುವಾಗ, ಸಾಮಾನ್ಯವಾಗಿ ನಿರಂತರ ಆದಾಯದ ಅಭಾವ ಅಥವಾ ನಮ್ಮ ಎಲ್ಲ ಉದ್ದೇಶಗಳಿಗೆ ಅಗತ್ಯವಿರುವ ಯಥೇಚ್ಛ ಹಣ ನಮ್ಮಲ್ಲಿ ಇರಬೇಕಾದುದು ಮುಖ್ಯವಾಗಿ ಕಾಳಜಿಯ ವಿಷಯವಾಗಿರುತ್ತದೆ. ವೃತ್ತಿಯಿಂದ ನಿವೃತ್ತಿಯಾದ ಬಳಿಕ ದುಡಿಮೆಯಿಂದ ನಿರಂತರ ಆದಾಯವಿಲ್ಲದಿದ್ದರೂ ಜೀವನ ಚಟುವಟಿಕೆಗಳನ್ನು ನಿರ್ವಹಿಸಲು ಅಗತ್ಯವಿರುವ ಹಣಕಾಸು ವ್ಯವಸ್ಥೆ ಅವಶ್ಯಕ. ಇಂತಹ ಸಂದರ್ಭದಲ್ಲಿ, ನಮ್ಮ ಉಳಿತಾಯ ಅಥವಾ ಮಕ್ಕಳ ಮೇಲಿನ ನಮ್ಮ ಅವಲಂಬನೆ ಹೆಚ್ಚು ಪ್ರಸ್ತುತ ಎನಿಸುತ್ತದೆ. ಆದರೆ ನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ಇದು ಅಸಾಧ್ಯವಾದ ಕಾರಣ ಉತ್ತಮ ಮೌಲ್ಯವಿರುವ ನಿಮ್ಮ ಮನೆಯನ್ನು ಆರ್ಥಿಕ ಮೂಲವನ್ನಾಗಿ ಪರಿವರ್ತಿಸಲು ಸಹಾಯ ಮಾಡುವ ‘ರಿವರ್ಸ್ ಮಾರ್ಟ್‌ಗೇಜ್’ (Reverse Mortgage) ಮುಖ್ಯ ಸಾಧನವಾಗಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eರಿವರ್ಸ್ ಮಾರ್ಟ್‌ಗೇಜ್ ಬ್ಯಾಂಕಿಂಗ್ ವ್ಯವಸ್ಥೆಯ ಒಂದು ಸಾಲ ಸೌಲಭ್ಯವಾಗಿದೆ. ಇದು ವಿಶೇಷವಾಗಿ ಹಿರಿಯ ನಾಗರಿಕರಿಗಾಗಿ ರೂಪಿಸಲಾಗಿದೆ. ಈ ಯೋಜನೆಯ ಅಡಿಯಲ್ಲಿ, ಸ್ವಂತ ಮನೆ ಅಥವಾ ಆಸ್ತಿ ಹೊಂದಿರುವ ನಿವೃತ್ತ ನಾಗರಿಕರು ತಮ್ಮ ಆಸ್ತಿಯನ್ನು ಬ್ಯಾಂಕಿಗೆ ಅಡವು ಇಟ್ಟು ಪ್ರತಿ ತಿಂಗಳೂ ಕಂತಿನ ರೂಪದಲ್ಲಿ ತಮ್ಮ ಆಸ್ತಿಗೆ ಸಂಬಂಧಪಟ್ಟು ಹಣ ಪಡೆಯಬಹುದು. ಈ ರೀತಿ 15 ರಿಂದ 20 ವರ್ಷ ಮುಂದುವರಿಸಬಹುದು. ಇಲ್ಲಿ ಮರುಪಾವತಿಗೆ ಎರಡು ಅವಕಾಶಗಳನ್ನು ಕಲ್ಪಿಸಿ ಕೊಡಲಾಗಿದೆ. ಮೊದಲನೆಯದು, ಆಸ್ತಿ ಹೊಂದಿದ ಮಾಲೀಕರು ಮಾರಾಟ ಮಾಡುವ ಉದ್ದೇಶ ಹೊಂದಿದ್ದಲ್ಲಿ, ಮುಂದೆ ಮಾರಾಟವಾದಾಗ ಸಿಗುವ ಹಣಕ್ಕೆ ಅಸಲು ಹಾಗೂ ನಿಗದಿತ ಬಡ್ಡಿ ಸಮೇತ ವಜಾ ಮಾಡಿ ಉಳಿದ ಹೆಚ್ಚುವರಿ ಮೊತ್ತ ಪಡೆಯುವುದಕ್ಕೆ ಅವಕಾಶ ಮಾಡಿ ಕೊಡುತ್ತದೆ. ಎರಡನೆಯದು, ಒಂದು ವೇಳೆ, ಮೂಲ ಮಾಲೀಕರು ನಿಧನರಾದರೆ, ಅವರ ವಾರಸುದಾರರು, ಬ್ಯಾಂಕ್ ನೀಡಿದ್ದ ಅಸಲು ಮೊತ್ತ ಹಾಗೂ ಬಡ್ಡಿ ಸಮೇತ ತೀರಿಸಿ ಆಸ್ತಿಯನ್ನು ತಮ್ಮ ವಶಕ್ಕೆ ಪಡೆದುಕೊಳ್ಳಬಹುದು.    \u003C\u002Fp\u003E\u003Cp\u003Eಈ ಆರ್ಥಿಕ ವ್ಯವಹಾರದ ಒಟ್ಟಾರೆ ಸ್ವೀಕೃತಿಗೆ, ಆದಾಯ ತೆರಿಗೆಯ ಸೆಕ್ಷನ್ 10(43) ಅಡಿ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಇದೆ. ಇದು ರಿವರ್ಸ್ ಮಾರ್ಟ್‌ಗೇಜ್ ಮೂಲಕ ಪಡೆಯುವ ಮೊತ್ತಕ್ಕೆ ಮಾತ್ರ ಸೀಮಿತ. ಆದರೆ, ಮುಂದೆ, ಆಸ್ತಿಯನ್ನು ಮಾರಾಟ ಮಾಡಿ ಖರೀದಿದಾರರಿಂದ ಹಣ ಪಡೆದಾಗ ಸಿಗುವ ಮೊತ್ತಕ್ಕೆ ಸಹಜವಾಗಿ ಬಂಡವಾಳ ಲಾಭದ ಮೇಲಿನ ಕ್ಯಾಪಿಟಲ್ ಗೇನ್ಸ್‌ ಅನ್ವಯಿಸುತ್ತದೆ.  \u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ನೀವು ಸಮೀಪದ ಯಾವುದೇ ಬ್ಯಾಂಕ್‌ನಲ್ಲಿ ಈ ಸಾಲ ಸೌಲಭ್ಯದ ಬಗ್ಗೆ ಅವಕಾಶ ಇದೆಯೇ ಎಂಬ ಬಗ್ಗೆ ವಿಚಾರಿಸಿ ನಿಮ್ಮ ಆಸ್ತಿಯ ಮೌಲ್ಯ ಮಾಪನ ಮಾಡಿಸಿ, ಸಿಗಬಹುದಾದ ಗರಿಷ್ಠ ಸಾಲ ಎಷ್ಟು ಎಂದು ತಿಳಿದುಕೊಳ್ಳಿ. ಅದೇ ರೀತಿ ಮುಂದೆ ಮಾರಾಟ ಅಥವಾ ಈ ಆಸ್ತಿಯ ಮೇಲಿರುವ ಹಕ್ಕು-ಬಾಧ್ಯತೆ ಅಥವಾ ನಿಮ್ಮಿಬ್ಬರ ಕಾಲಾನಂತರ ಅದು ಯಾರಿಗೆ ಸೇರಬೇಕೆನ್ನುವ ಬಗ್ಗೆಯೂ ಚರ್ಚಿಸಿ ನಿರ್ಧರಿಸಿ. ಒಂದು ವೇಳೆ ಬ್ಯಾಂಕ್ ನೀಡಿದ ಮೊತ್ತ ಸಾಲಗಾರರ ಮರಣಾನಂತರವೂ ಪಾವತಿಯಾಗದ ಹಂತದಲ್ಲಿದ್ದರೆ, ಬ್ಯಾಂಕ್ ಆಸ್ತಿಯನ್ನು ಮಾರಾಟ ಮಾಡಿ ಸಾಲ ವಜಾ ಮಾಡುವ ಅವಕಾಶ ಹೊಂದಿರುತ್ತದೆ.  \u003Cbr\u003E \u003Cbr\u003Eರಿವರ್ಸ್ ಮಾರ್ಟ್‌ಗೇಜ್‌ನ ಮುಖ್ಯ ಪ್ರಯೋಜನ ಏನೆಂದರೆ, ಪ್ರತಿ ತಿಂಗಳೂ ಹಣದ ನಿರಂತರತೆ ಇರುತ್ತದೆ ಹಾಗೂ ನಿವೃತ್ತಿ ಕಾಲದ ಆರ್ಥಿಕ ಸುರಕ್ಷತೆಯ ಜೊತೆಗೆ ಆತ್ಮವಿಶ್ವಾಸವನ್ನೂ ಹೆಚ್ಚಿಸುತ್ತದೆ. ಮಕ್ಕಳ ಮೇಲೆ ಅಥವಾ ಇತರ ಸಂಬಂಧಿಕರ ಮೇಲೆ ಆರ್ಥಿಕ ಅವಲಂಬನೆಯ ಅಗತ್ಯವಿಲ್ಲದೆ ಸ್ವತಂತ್ರ ಜೀವನ ಸಾಗಿಸಬಹುದು. ಮರಣಾನಂತರ ಸಾಲ ಪಾವತಿಸಿ ಆಸ್ತಿ ಉಳಿವಿಗೆ ಅವಕಾಶ ಇದ್ದು ಆಸ್ತಿಯನ್ನು ಸಂಬಂಧಿಕರು ಅಥವಾ ಉತ್ತರಾಧಿಕಾರಿಗಳಿಗೆ ಹಸ್ತಾಂತರಿಸುವ ಅವಕಾಶವೂ ಕಾನೂನಿನಡಿ ಇದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ಅವಕಾಶ ಇದ್ದ ಮಾತ್ರಕ್ಕೆ ನೀವು ಅದನ್ನು ಬಳಸಿಕೊಳ್ಳಬೇಕೆಂದೇನಿಲ್ಲ. ಏನಿದ್ದರೂ ಇದು ಸಾಲವಾದ ಕಾರಣ ಕೊನೆಯ ಅವಕಾಶವಾಗಿ ಅಷ್ಟೇ ಬಳಸಿಕೊಳ್ಳಿ. ನಿಮ್ಮ ಸಹೋದರ ಹಾಗೂ ಅವರ ಮಕ್ಕಳಿರುವ ಕಾರಣ ಈ ಬಗ್ಗೆ ಚರ್ಚಿಸಿ ನಂತರವಷ್ಟೇ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳಿ.\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| 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ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1730855929803,"content-version-id":"7c1d11ee-3fe0-4a18-a52e-cc4373793372","card-added-at":1730816430624,"status":"draft","id":"5f3458be-4758-488b-bac0-7bfa110d7460","content-id":"5f3458be-4758-488b-bac0-7bfa110d7460","version":13,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ಹೂಡಿಕೆ, ಆರ್ಥಿಕ ಸಮಸ್ಯೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-11-05\u002Fjqzbfwji\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","url":null,"attribution":null,"alt-text":null,"caption":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೊಟ","metadata":{"original-url":"http:\u002F\u002Fdcxprod.tpml.in\u002Fdevice_dh\u002Foriginal5\u002F2022\u002F01-24\u002F28\u002Fd0\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","width":1280,"height":1280,"focus-point":[631,280]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fexpert-answers-to-questions-related-to-financial-investment-financial-problems-3035922","story-version-id":"d0762d08-09b7-4248-8516-47c4c1ded58b","content-type":"story","content-updated-at":1730855931581,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1730855931428,"hero-image-caption":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೊಟ","version":13,"story-template":"syndicated","sequence-no":null,"created-at":1730855929796,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ 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ವೈಯಕ್ತಿಕ ಹಣಕಾಸು ತಜ್ಞ ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ ಉತ್ತರ ನೀಡಿದ್ದಾರೆ.","claim-reviews":{"story":null}},"assignee-id":1749585,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5510710,"name":"Investment","meta-description":null,"meta-title":null,"slug":"investment","tag-type":"Tag"},{"id":5510713,"name":"Finance","meta-description":null,"meta-title":null,"slug":"finance","tag-type":"Tag"},{"id":5512224,"name":"Finance Budget","meta-description":null,"meta-title":null,"slug":"finance-budget","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ 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ಮಲ್ಲೇಶ್ವರಂ, ಬೆಂಗಳೂರು.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fa1bc9ef0-4e84-4c8f-848a-deb5a2d8f0ce\u002Felement\u002F90aae391-6bca-4f1a-b214-fbd0517af835","type":"text","family-id":"054351b5-502c-4569-8e9f-41062b2995f3","title":"","id":"90aae391-6bca-4f1a-b214-fbd0517af835","metadata":{},"subtype":"question","text":"\u003Cp\u003Eನಾನು ಕಳೆದ ಇಪ್ಪತ್ತು ವರ್ಷದಿಂದ ಬೆಂಗಳೂರಿನಲ್ಲಿ ಶಾಲಾ ಮಕ್ಕಳಿಗೆ ಮನೆ ಪಾಠ ನಡೆಸಿ ಬದುಕು ಸಾಗಿಸುತ್ತಿದ್ದೇನೆ. ಮನೆ ಸಮೀಪವೇ ನನ್ನ ಹೆಸರಿನಲ್ಲಿ ನನ್ನ ಪತಿ, ಒಂದು ಸಣ್ಣ ರಿಟೇಲ್ ಅಂಗಡಿ ಇರಿಸಿಕೊಂಡು ವ್ಯವಹರಿಸುತ್ತಿದ್ದಾರೆ. ದಿನವಹಿ ಸುಮಾರು ₹25 ಸಾವಿರದಿಂದ ₹30 ಸಾವಿರ ವ್ಯಾಪಾರವಾಗುತ್ತಿದೆ. ಇದರಲ್ಲಿ ಅರ್ಧ ಭಾಗ ನಗದು ವ್ಯವಹಾರ ಆಗುತ್ತಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಅದೇ ರೀತಿ ನನ್ನ ಪಾಠದಿಂದಲೂ ನನಗೆ ಪ್ರತಿ ತಿಂಗಳು ನಗದು ರೂಪದಲ್ಲಿ ಸುಮಾರು ₹25 ಸಾವಿರ ಆದಾಯ ಬರುತ್ತಿದೆ. ಅಲ್ಲದೆ, ಆನ್‌ಲೈನ್‌ ಮೂಲಕ ಪಾವತಿಸುವ ವಿದ್ಯಾರ್ಥಿಗಳೂ ಇದ್ದಾರೆ. ಅವರ ಪಾವತಿಯೂ ಹೆಚ್ಚು ಕಮ್ಮಿ ಅಷ್ಟೇ ಮೊತ್ತವಿದೆ. ನನ್ನ ಸಂದೇಹವೇನೆಂದರೆ ನಾನು ಮನೆ ಪಾಠದಿಂದ ಗಳಿಸುವ ಆದಾಯ ಹಾಗೂ ನನ್ನ ಹೆಸರಲ್ಲಿರುವ ವ್ಯವಹಾರಕ್ಕೆ ತೆರಿಗೆ ಹೇಗೆ ಅನ್ವಯವಾಗುತ್ತದೆಯೇ? ನಾನು ಈ ತನಕ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಿಲ್ಲ. ಈ ಬಗ್ಗೆ ಯೋಜನೆಯ ಅಗತ್ಯವಿದೆಯೇ? ತೆರಿಗೆ ಉಳಿಸಬೇಕಾದರೆ ಏನು ಮಾಡಬೇಕು.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fa1bc9ef0-4e84-4c8f-848a-deb5a2d8f0ce\u002Felement\u002Ff27c08f3-f7dc-4313-bd14-d0d04c0e3375","type":"text","family-id":"d88b5890-5665-45d8-a407-22ab2ce24b85","title":"","id":"f27c08f3-f7dc-4313-bd14-d0d04c0e3375","metadata":{},"subtype":"answer","text":"\u003Cp\u003E ನೀವು ನೀಡಿರುವ ಮಾಹಿತಿ ಪ್ರಕಾರ ನೀವು ಎರಡು ಮೂಲಗಳಿಂದ ಆದಾಯ ಗಳಿಸುತ್ತಿದ್ದೀರಿ. ಒಂದು ನಿಮ್ಮ ಶಿಕ್ಷಣ ವೃತ್ತಿ ಹಾಗೂ ಎರಡನೆಯದು ನಿಮ್ಮ ವ್ಯಾಪಾರ. ಪ್ರಶ್ನೆಯಲ್ಲಿ ಉಲ್ಲೇಖಿಸಿರುವಂತೆ ವಾರ್ಷಿಕವಾಗಿ ನಿಮ್ಮ ಶಿಕ್ಷಣ ವೃತ್ತಿಯ ಆದಾಯ ₹6 ಲಕ್ಷ ಹಾಗೂ ವ್ಯಾಪಾರದಿಂದ ಬರುವ ವಹಿವಾಟು ಆದಾಯ ಸುಮಾರು ₹1 ಕೋಟಿ ಎಂದು ಊಹಿಸಲಾಗಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮಗೆ ಆದಾಯ ತೆರಿಗೆಯ ಸೆಕ್ಷನ್ 44 ಎಡಿ ಪ್ರಕಾರ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವುದಕ್ಕೆ ಸರಳ ಅವಕಾಶವಿದೆ. ನಿಮ್ಮ ಆದಾಯ ಅರ್ಧಕ್ಕರ್ಧ ನಗದು ರೂಪದಲ್ಲೂ ಇರುವ ಕಾರಣ ಹಾಗೂ ₹2 ಕೋಟಿ ವ್ಯವಹಾರ ಮೀರಿರದ ಕಾರಣ ನಿಮಗೆ ನಿಮ್ಮ ವ್ಯವಹಾರದ ಮೇಲೆ ಶೇ 8ರ ದರದಲ್ಲಿ ಲಾಭ ಇದೆ ಎಂದು ಘೋಷಿಸುವುದಕ್ಕೆ ಅವಕಾಶವಿದೆ. ಡಿಜಿಟಲ್ ಪಾವತಿ ಆಗಿದ್ದರೆ ಅಷ್ಟು ವಹಿವಾಟಿಗೆ ಶೇ 6ರ ಲಾಭ ಬಂದಿದೆ ಎಂದು ಊಹಿಸಿ ಒಟ್ಟು ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ಕಟ್ಟಬೇಕು. ನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ಗರಿಷ್ಠವೆಂದರೆ ₹8 ಲಕ್ಷ ವ್ಯಾಪಾರದಿಂದಲೂ, ₹6 ಲಕ್ಷ ನಿಮ್ಮ ಶಿಕ್ಷಣ ವೃತ್ತಿಯಿಂದಲೂ ಗಳಿಕೆ ಇದೆ ಎಂದು ಊಹಿಸಬಹುದು. ಶಿಕ್ಷಣ ಆದಾಯಕ್ಕೆ ಸಂಬಂಧಿತ ವೆಚ್ಚವನ್ನು ಕಳೆದುಕೊಳ್ಳಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಆದಾಯ ಗಳಿಸುತ್ತಿರುವ ಕಾರಣ ನೀವು ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಿ. ನಿಮ್ಮ ವ್ಯಾಪಾರಕ್ಕೆ ಸಂಬಂಧಿಸಿ ಜಿಎಸ್‌ಟಿ ನೋಂದಣಿಯೂ ನಿಮ್ಮಲ್ಲಿರಬಹುದು. ಹೀಗಾಗಿ, ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಕೆ ಆಗದಿದ್ದರೆ ಸರ್ಕಾರಕ್ಕೆ ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ಸಂಗ್ರಹಿಸುವುದು ಕಷ್ಟದ ಕೆಲಸವಲ್ಲ. ಅಲ್ಲದೆ, ಯಾವುದೇ ಬ್ಯಾಂಕಿನ ವ್ಯಾಪಾರ ಸಾಲಗಳಿಗೂ ರಿಟರ್ನ್ಸ್‌ ಅತ್ಯಗತ್ಯ ಎಂಬುದು ಗಮನದಲ್ಲಿ ಇರಲಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ಬಗ್ಗೆ ತೆರಿಗೆ ಸಲಹೆಗಾರರ ನೆರವು ಪಡೆದು ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಿ. ಕಳೆದ ವರ್ಷದ ಆದಾಯಕ್ಕೆ (2023-24) ಸಂಬಂಧಿಸಿ ಹೆಚ್ಚುವರಿ ಶುಲ್ಕ ಪಾವತಿಸಿ. ಇನ್ನೂ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಕೆಗೆ ಡಿಸೆಂಬರ್ 31ರ ತನಕ ಅವಕಾಶ ಇದೆ. ತೆರಿಗೆ ಉಳಿಸಲು ನಿಮ್ಮ ಪತಿಯವರ ಹೆಸರಲ್ಲಿ ಈ ವ್ಯವಹಾರವನ್ನು ವರ್ಗಾಯಿಸಿ ಹಾಗೂ ಅಗತ್ಯ ಪರವಾನಗಿ ಪಡೆದು ಮುನ್ನಡೆಸಬಹುದು. ಆಗ ಅದೇ ಆದಾಯಕ್ಕೆ ನೀವಿಬ್ಬರೂ ವೈಯಕ್ತಿಕವಾಗಿ ತೆರಿಗೆ ಅನ್ವಯವಾದರಷ್ಟೇ ಪಾವತಿಸಬೇಕಾಗುತ್ತದೆ. \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fa1bc9ef0-4e84-4c8f-848a-deb5a2d8f0ce\u002Felement\u002F1282f25a-f91a-48e8-bd97-bf107d26d434","type":"text","family-id":"63823f70-affc-47d0-8d51-0eae89845f29","title":"","id":"1282f25a-f91a-48e8-bd97-bf107d26d434","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಅನನ್ಯಾ ಭಟ್, ಆರ್‌.ಟಿ. ನಗರ, ಬೆಂಗಳೂರು.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fa1bc9ef0-4e84-4c8f-848a-deb5a2d8f0ce\u002Felement\u002F427e38fa-4b9f-4bed-9a74-0bd71e99938b","type":"text","family-id":"206c16f0-0af9-486a-997b-972169c5a55b","title":"","id":"427e38fa-4b9f-4bed-9a74-0bd71e99938b","metadata":{},"subtype":"question","text":"\u003Cp\u003Eನಾನು ಕಾಲೇಜು ಉಪನ್ಯಾಸಕಿ. ಚಿನ್ನದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಆಸಕ್ತಿ ಹೊಂದಿದ್ದೇನೆ. ಪ್ರಸ್ತುತ ಮಾರುಕಟ್ಟೆ ಪರಿಸ್ಥಿತಿಯಲ್ಲಿ ಚಿನ್ನ, ಚಿನ್ನದ ಇಟಿಎಫ್, ಚಿನ್ನದ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಮತ್ತು ಸ್ವರ್ಣ ಬಾಂಡ್ ಸರಣಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಲಾಭದಾಯಕವೇ? ಈ ವರ್ಗದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಆಸಕ್ತಿ ಹೊಂದಿರುವುದರಿಂದ ಇವುಗಳಲ್ಲಿ ಯಾವುದು ಉತ್ತಮ. ಇವು ಈಕ್ವಿಟಿ ಫಂಡ್‌ಗಳಂತೆ ಅಲ್ಲ ಎಂಬುದನ್ನು ತಿಳಿದಿದ್ದೇನೆ. ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ಕೊಡಿ.  \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fa1bc9ef0-4e84-4c8f-848a-deb5a2d8f0ce\u002Felement\u002Ff2133f2a-97ca-4f0c-b906-61036ec37f3d","type":"text","family-id":"5ced965a-5d1d-4ef8-9f9c-c2e6fbba295b","title":"","id":"f2133f2a-97ca-4f0c-b906-61036ec37f3d","metadata":{},"subtype":"answer","text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ: \u003C\u002Fstrong\u003Eಹೂಡಿಕೆ ವಿಚಾರಕ್ಕೆ ಬಂದಾಗ ಯಾವುದೇ ಹೂಡಿಕೆ ಉತ್ಪನ್ನವಾಗಿರಲಿ, ಉದಾಹರಣೆಗೆ ಷೇರು, ಮ್ಯೂಚುವಲ್ ಫಂಡ್, ಚಿನ್ನ ಅಥವಾ ಬಾಂಡ್, ಇಟಿಎಫ್ ಅಥವಾ ಸ್ಥಿರ ಆಸ್ತಿ ಇತ್ಯಾದಿ ಏನೇ ಇರಲಿ ಇವೆಲ್ಲ ಪ್ರತ್ಯೇಕವಾದ ಹೂಡಿಕೆ ಉತ್ಪನ್ನಗಳಾಗಿವೆ. ತಮ್ಮ ತಮ್ಮ ರಿಸ್ಕ್ ಸಾಮರ್ಥ್ಯಕ್ಕೆ ತಕ್ಕ ಹಾಗೆ ಹಾಗೂ ಹೂಡಿಕೆ ಅವಧಿಗೆ ಸರಿ ಹೋಗುವ ಹೂಡಿಕೆಗಳನ್ನು ಆಯ್ಕೆ ಮಾಡಿ ತಮ್ಮ ಹೆಚ್ಚುವರಿ ಮೊತ್ತವನ್ನು ನಿರ್ದಿಷ್ಟ ಲಾಭವನ್ನು ಗುರಿಯಾಗಿಸಿ ಹೂಡಿಕೆ ಮಾಡಲಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಎಲ್ಲ ಹೂಡಿಕೆಗಳು ಎಲ್ಲ ಕಾಲದಲ್ಲೂ ಉತ್ತಮ ಲಾಭ ಅಥವಾ ಸದಾ ಕಾಲ ನಷ್ಟದ ಸ್ಥಿತಿಯನ್ನು ಹೊಂದಿರುವುದಿಲ್ಲ ಎಂಬುದು ಹೂಡಿಕೆ ಪ್ರಪಂಚದಲ್ಲಿ ಗಮನಿಸಬೇಕಾದ ಅಂಶ. ಅದೊಂದು ಲಾಭ-ನಷ್ಟದ ತಿರುಗುವ ಚಕ್ರ. ಹೀಗಾಗಿ, ಈ ಚಕ್ರದ ಏರುಗತಿ ಅರಿತು ಹೂಡಿಕೆ ಮಾಡುವವರಿಗೆ ಲಾಭವೂ, ತದ್ವಿರುದ್ಧವಾಗಿ ವ್ಯವಹರಿಸುವವರಿಗೆ ನಷ್ಟವಾಗುವುದು ಸಹಜ.  \u003C\u002Fp\u003E\u003Cp\u003Eಸಾಮಾನ್ಯ ನಿಯಮದಂತೆ ಮೇಲೆ ಹೇಳಿರುವ ವಿವಿಧ ವರ್ಗದ ಉತ್ಪನ್ನಗಳಲ್ಲಿ ಹಂಚಿಕೆ ಮಾಡಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಸೂಕ್ತ. ಆದರೆ, ಕೇವಲ ಚಿನ್ನದ ಮೌಲ್ಯ ಆಧರಿಸಿ ನಿರ್ಧರಿಸಲ್ಪಡುವ ಒಂದೇ ವರ್ಗದ ಬೇರೆ ಬೇರೆ ಉತ್ಪನ್ನಗಳಲ್ಲಿ ಹೂಡಿಕೆಗೆ ಆಸಕ್ತಿ ಇರುವ ಬಗ್ಗೆ ತಿಳಿಸಿದ್ದೀರಿ. ಬಹುತೇಕವಾಗಿ ಈ ಎಲ್ಲಾ ಉತ್ಪನ್ನಗಳು ಚಿನ್ನದ ಮೂಲ ಬೆಲೆಗೆ ಅನುಗುಣವಾಗಿ ಮೌಲ್ಯ ಪಡೆಯುತ್ತವೆ. ಆದರೆ, ಹೂಡಿಕೆ ಅವಧಿ, ರಿಸ್ಕ್, ತೆರಿಗೆ ಇತ್ಯಾದಿ ವ್ಯತ್ಯಸ್ಥವಾಗಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಚಿನ್ನದ ಬಾಂಡ್ 8 ವರ್ಷಗಳ ಬಂಡವಾಳ ಹೂಡಿಕೆಯ ಉತ್ಪನ್ನವಾಗಿದೆ. ಕೊನೆಯ ತನಕ ಹೊಂದಿದ್ದಲ್ಲಿ ಲಾಭದ ಮೇಲೆ ತೆರಿಗೆ ಸಂಪೂರ್ಣ ವಿನಾಯಿತಿ ಇದೆ. ಇದಕ್ಕೆ ವಾರ್ಷಿಕವಾಗಿ ಶೇ 2.5ರಷ್ಟು ಬಡ್ಡಿ ಸಿಗುತ್ತದೆ.  \u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನು ವಸ್ತು ರೂಪದಲ್ಲಿರುವ ಹೂಡಿಕೆಯ ಚಿನ್ನವನ್ನು ಮನೆಯಲ್ಲಿ ಇಟ್ಟುಕೊಳ್ಳುವುದು ಯಾವತ್ತೂ ಅಪಾಯಕಾರಿ. ಇದನ್ನು ಬ್ಯಾಂಕ್ ಲಾಕರ್ ಇತ್ಯಾದಿಗಳಲ್ಲಿ ಇಡಲು ಪ್ರತ್ಯೇಕ ವೆಚ್ಚ ‍ಪಾವತಿಸಬೇಕಿದೆ. ಖರೀದಿಯ ವೇಳೆ ಶೇ 3ರಷ್ಟು ಜಿಎಸ್‌ಟಿ ಅನ್ವಯಿಸುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನು ಚಿನ್ನದ ಇಟಿಎಫ್‌ಗಳು ಷೇರು ಖರೀದಿಸಿದಂತೆ. ಮಾರುಕಟ್ಟೆ ಅವಧಿಯಲ್ಲಿ ಪ್ರತಿ ಕ್ಷಣ ಬೆಲೆ ಬದಲಾಗುತ್ತಿರುತ್ತದೆ. ಹೀಗಾಗಿ, ಇದು ಚಿನ್ನದ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌‌ಗಳಿಗೆ ಅನ್ವಯಿಸುವ ದಿನಕ್ಕೊಂದು ಬೆಲೆಯಂತೆ ಕಾರ್ಯ ನಿರ್ವಹಿಸುವುದಿಲ್ಲ. ಇದಕ್ಕೆ ಡಿಮ್ಯಾಟ್ ಖಾತೆ ಅಗತ್ಯ. ಚಿನ್ನದ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಯಾವುದೇ ಫಂಡ್ ಹೌಸ್‌ಗಳಲ್ಲಿ ನಿಮ್ಮ ಕೆವೈಸಿ ಸ್ವತಃ ಆನ್‌ಲೈನ್‌ ಮೂಲಕ ದಾಖಲಿಸಿ ತೆರೆಯಬಹುದು. ಏಕ ಕಂತು ಅಥವಾ ಮಾಸಿಕ ಕಂತುಗಳಲ್ಲಿ ಪಾವತಿಗೆ ಇದು ಉತ್ತಮ ಅವಕಾಶ ನೀಡುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಉಲ್ಲೇಖಿಸಿರುವ ಈ ಎಲ್ಲ ಉತ್ಪನ್ನಗಳೂ ಪ್ರತ್ಯೇಕ ರೀತಿಯಲ್ಲಿ ತೆರಿಗೆಗೊಳಪಡುತ್ತವೆ. ಇದು ಹೂಡಿಕೆಯ ಅವಧಿ ಹಾಗೂ ಅವುಗಳಿಗೆ ಅನ್ವಯಿಸುವ ತೆರಿಗೆ ದರವನ್ನು ಆಧರಿಸಿದೆ. ಹೀಗಾಗಿ, ಈ ಬಗ್ಗೆ ಪ್ರತ್ಯೇಕವಾದ ತೆರಿಗೆ ಸಲಹೆ ಪಡೆದುಕೊಳ್ಳಿ.\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1730228725810,"content-version-id":"b5832c5f-5c56-4e00-b55e-39e0c491a948","card-added-at":1730228400312,"status":"draft","id":"9b81bbe4-dbfa-4399-a91c-f769ba6ad026","content-id":"9b81bbe4-dbfa-4399-a91c-f769ba6ad026","version":13,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ","message":null,"image":{"key":"prajavani\u002F2024-10-01\u002Fndy7no3f\u002Fdownload.jpg","url":null,"attribution":null,"alt-text":null,"caption":null,"metadata":{"mime-type":"image\u002Fjpeg","focus-point":[149,44],"width":300,"file-size":7010,"file-name":"download.jpg","height":168}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fqa-expert-answers-to-financial-investment-tax-related-questions-3027969","story-version-id":"a2658fe0-dd8d-4eba-95a3-b4438f860aab","content-type":"story","content-updated-at":1730247659766,"author-id":1749710,"owner-id":1749585,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1730247660000,"hero-image-caption":null,"version":13,"story-template":"text","sequence-no":null,"created-at":1730228725800,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"card-share":{"shareable":false}},"publish-at":1730247660000,"assignee-name":"ಪೃಥ್ವಿರಾಜ್ ಎಂ ಎಚ್"}},{"id":"de1467bc-cfe8-4d08-80e0-13ac0b45cd77","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ"]},"story":{"updated-at":1729620567532,"seo":{"meta-description":"ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ","meta-keywords":["Finance","Tax","question and answer"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ 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| ಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fde1467bc-cfe8-4d08-80e0-13ac0b45cd77\u002Felement\u002Ff8ff3157-862e-40d0-86f8-5efcd32840e3","type":"text","family-id":"938ce6f6-2c96-44fb-9cbf-94961f9a338f","title":"","id":"f8ff3157-862e-40d0-86f8-5efcd32840e3","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಶಂಕರ ನಾರಾಯಣ ರಾವ್, ಉಡುಪಿ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fde1467bc-cfe8-4d08-80e0-13ac0b45cd77\u002Felement\u002F88bd85e4-1ca2-4c8a-93d4-b7634a30adf8","type":"text","family-id":"41b9168e-a58c-4507-929c-22ae65c8cdf2","title":"","id":"88bd85e4-1ca2-4c8a-93d4-b7634a30adf8","metadata":{"question":"\u003Cp\u003Eನನ್ನ ಪುತ್ರಿ ಕಳೆದ ಐದಾರು ವರ್ಷದಿಂದ ಗಂಡ ಹಾಗೂ ಮಕ್ಕಳೊಂದಿಗೆ ವಿದೇಶದಲ್ಲಿದ್ದು, ಉದ್ಯೋಗ ಮಾಡುತ್ತಿದ್ದಾಳೆ. ಮುಂದಿನ ಮೂರ್ನಾಲ್ಕು ವರ್ಷದ ಬಳಿಕ ಅವರು, ಕಾಯಂ ಆಗಿ ನಮ್ಮ ಜೊತೆ ಇರಲಿದ್ದಾರೆ. ಪ್ರಸ್ತುತ ನಮ್ಮ ಖರ್ಚಿಗೆ  ವಿದೇಶದಿಂದ ಹಣ ಕಳಿಸುತ್ತಿದ್ದಾಳೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ಅವಧಿಯಲ್ಲಿ ನನ್ನ ಕೆಲವು ಆರ್ಥಿಕ ಹೂಡಿಕೆಗಳನ್ನು ಆಕೆಯ ಹೆಸರಿಗೆ ವರ್ಗಾಯಿಸಿ ಯಾವುದೇ ಆತಂಕ ಇಲ್ಲದೆ ಇರುವ ಬಗ್ಗೆ ಯೋಚಿಸಿದ್ದೇನೆ. ನನ್ನ ವಯಸ್ಸು  75. ಪತ್ನಿ ವಯಸ್ಸು 68. ನಾನು ಹದಿನೈದು ವರ್ಷ ಹಿಂದೆ ಬ್ಯಾಂಕ್‌ನಿಂದ ನಿವೃತ್ತಿಯಾದಾಗ ಬಂದ ₹30 ಲಕ್ಷ ಮೊತ್ತದಲ್ಲಿ ₹10 ಲಕ್ಷವನ್ನು ಅಂಚೆ ಇಲಾಖೆಯಲ್ಲಿ ಠೇವಣಿ ಇಟ್ಟಿದ್ದೆ. ಉಳಿದ ಮೊತ್ತವನ್ನು ಇನ್ಫೊಸಿಸ್, ಟಾಟಾ ಮೋಟರ್ಸ್, ಕೋಲ್ ಇಂಡಿಯಾ, ಐಟಿಸಿ, ಗೋದ್ರೇಜ್, ಏಷ್ಯನ್‌ ಪೇಂಟ್ಸ್‌, ಎಚ್‌ಯುಎಲ್, ಎಸ್‌ಬಿಐ ಹಾಗೂ ರಿಲಯನ್ಸ್ ಕಂಪನಿಗಳಲ್ಲಿ ₹2 ಲಕ್ಷದಂತೆ ನನ್ನ  ಹೂಡಿಕೆ ಮಾಡಿದ್ದೆ. ಇವುಗಳ ಮೇಲೆ ಚೆನ್ನಾಗಿ ಡಿವಿಡೆಂಡ್ ಸಿಕ್ಕಿದೆ. ಅದೃಷ್ಟಕ್ಕೆ ಕೆಲವು ಷೇರುಗಳು ಈ 15 ವರ್ಷದಲ್ಲಿ ಹತ್ತು ಪಟ್ಟು ಹೆಚ್ಚು ಬೆಳೆದಿವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ಎಲ್ಲಾ ಷೇರುಗಳನ್ನು ಮುಂದಿನ ದಿನಗಳಲ್ಲಿ ನನ್ನಿಂದ ನಿರ್ವಹಿಸುವುದು ಕಷ್ಟ. ಹೀಗಾಗಿ, ಮುಂದಿನ ರಜೆಯಲ್ಲಿ ಮಗಳು ಬಂದಾಗ ಆಕೆಯ ಹೆಸರಿಗೆ ವರ್ಗಾಯಿಸೋಣ ಎಂದುಕೊಂಡಿದ್ದೇನೆ. ಈ ವಿಚಾರಕ್ಕೆ ಸಂಬಂಧಿಸಿ ಎಷ್ಟು ತೆರಿಗೆ ಕಟ್ಟಬೇಕು ಹಾಗೂ ವರ್ಗಾವಣೆ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ.  \u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನಿಮ್ಮ ಹೂಡಿಕೆ ಬಗೆಗಿನ ಅರಿವು ಸಾಮನ್ಯವೆಂದು ನೀವು ಹೇಳಿದರೂ ಅದರ ಹಿಂದಿರುವ ಲಕ್ಷ್ಯವನ್ನು ಮೆಚ್ಚಲೇಬೇಕು. ಇದು ಎಲ್ಲ ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆದಾರರಿಗೆ ಮಾರ್ಗದರ್ಶಿ ಸೂತ್ರದಂತಿದೆ. ನಿಮ್ಮ ಪ್ರಶ್ನೆಗೆ ಸಂಬಂಧಿಸಿ ಹೇಳುವುದಾದರೆ ನಿಮ್ಮ ಷೇರುಗಳ ಮೌಲ್ಯ ಎಷ್ಟೇ ಇದ್ದರೂ ನಿಮ್ಮ ಮಗಳ ಹೆಸರಲ್ಲಿ ಅವುಗಳನ್ನು ಉಡುಗೊರೆ ರೂಪದಲ್ಲಿ ಕೊಟ್ಟಾಗ ತೆರಿಗೆ ಇರುವುದಿಲ್ಲ. ತಂದೆ, ಮಕ್ಕಳ ನಡುವಿನ ಇಂತಹ ವರ್ಗಾವಣೆಗೆ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಇದೆ. ಹೆಚ್ಚುವರಿ ದಾಖಲೆಗಾಗಿ ಅಗತ್ಯ ಬಿದ್ದರೆ ವಕೀಲರನ್ನು ಸಂಪರ್ಕಿಸಿ ಗಿಫ್ಟ್ ಡೀಡ್ ಮಾಡಿಸಿ ವರ್ಗಾಯಿಸಿ. ಆದರೆ, ಈ ವರ್ಗಾವಣೆಗೆ ಸಂಬಂಧಿಸಿ ಮಾರುಕಟ್ಟೆ ದರದ ಅನ್ವಯ ಸ್ಟಾಂಪ್‌ ಮೌಲ್ಯವನ್ನು ಪಾವತಿಸಬೇಕಾಗಬಹುದು. ಈ ಬಗ್ಗೆಯೂ ವಿಚಾರಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eನಂತರ ನಿಮ್ಮ ಬ್ರೋಕರ್ ಅನ್ನು ಸಂಪರ್ಕಿಸಿ ವರ್ಗಾವಣೆಗೆ ಸಂಬಂಧಿಸಿದ ಡೆಲಿವರಿ ಇನ್ಟ್ರಕ್ಷನ್ ಸ್ಲಿಪ್ ಇತ್ಯಾದಿ ರವಾನಿಸಿ. ಇದು ಚೆಕ್ ಮೂಲಕ ಹಣ ವರ್ಗಾಯಿಸುವಂತೆಯೇ ಕಾರ್ಯ ನಿರ್ವಹಿಸುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಅಧಿಕೃತ ಬ್ಯಾಂಕಿಗೂ ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ. ಒಂದು ವಿಚಾರ ಹೆಚ್ಚುವರಿಯಾಗಿ ಗಮನಿಸಿ. ಮುಂದೆ ಈ ಷೇರುಗಳನ್ನು ನಿಮ್ಮ ಮಗಳು ಮಾರಾಟ ಮಾಡುವಾಗ ಹಾಗೂ ಬರುವ ಡಿವಿಡೆಂಡ್ ಇತ್ಯಾದಿ ಲಾಭಕ್ಕೆ ಅವರೇ ತೆರಿಗೆ ಪಾವತಿಸಬೇಕು. ಅದಕ್ಕೆ ಸಂಬಂಧಿತ ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಕೂಡ ಅವರೇ ಸಲ್ಲಿಸಬೇಕು.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನನ್ನ ಪುತ್ರಿ ಕಳೆದ ಐದಾರು ವರ್ಷದಿಂದ ಗಂಡ ಹಾಗೂ ಮಕ್ಕಳೊಂದಿಗೆ ವಿದೇಶದಲ್ಲಿದ್ದು, ಉದ್ಯೋಗ ಮಾಡುತ್ತಿದ್ದಾಳೆ. ಮುಂದಿನ ಮೂರ್ನಾಲ್ಕು ವರ್ಷದ ಬಳಿಕ ಅವರು, ಕಾಯಂ ಆಗಿ ನಮ್ಮ ಜೊತೆ ಇರಲಿದ್ದಾರೆ. ಪ್ರಸ್ತುತ ನಮ್ಮ ಖರ್ಚಿಗೆ  ವಿದೇಶದಿಂದ ಹಣ ಕಳಿಸುತ್ತಿದ್ದಾಳೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ಅವಧಿಯಲ್ಲಿ ನನ್ನ ಕೆಲವು ಆರ್ಥಿಕ ಹೂಡಿಕೆಗಳನ್ನು ಆಕೆಯ ಹೆಸರಿಗೆ ವರ್ಗಾಯಿಸಿ ಯಾವುದೇ ಆತಂಕ ಇಲ್ಲದೆ ಇರುವ ಬಗ್ಗೆ ಯೋಚಿಸಿದ್ದೇನೆ. ನನ್ನ ವಯಸ್ಸು  75. ಪತ್ನಿ ವಯಸ್ಸು 68. ನಾನು ಹದಿನೈದು ವರ್ಷ ಹಿಂದೆ ಬ್ಯಾಂಕ್‌ನಿಂದ ನಿವೃತ್ತಿಯಾದಾಗ ಬಂದ ₹30 ಲಕ್ಷ ಮೊತ್ತದಲ್ಲಿ ₹10 ಲಕ್ಷವನ್ನು ಅಂಚೆ ಇಲಾಖೆಯಲ್ಲಿ ಠೇವಣಿ ಇಟ್ಟಿದ್ದೆ. ಉಳಿದ ಮೊತ್ತವನ್ನು ಇನ್ಫೊಸಿಸ್, ಟಾಟಾ ಮೋಟರ್ಸ್, ಕೋಲ್ ಇಂಡಿಯಾ, ಐಟಿಸಿ, ಗೋದ್ರೇಜ್, ಏಷ್ಯನ್‌ ಪೇಂಟ್ಸ್‌, ಎಚ್‌ಯುಎಲ್, ಎಸ್‌ಬಿಐ ಹಾಗೂ ರಿಲಯನ್ಸ್ ಕಂಪನಿಗಳಲ್ಲಿ ₹2 ಲಕ್ಷದಂತೆ ನನ್ನ  ಹೂಡಿಕೆ ಮಾಡಿದ್ದೆ. ಇವುಗಳ ಮೇಲೆ ಚೆನ್ನಾಗಿ ಡಿವಿಡೆಂಡ್ ಸಿಕ್ಕಿದೆ. ಅದೃಷ್ಟಕ್ಕೆ ಕೆಲವು ಷೇರುಗಳು ಈ 15 ವರ್ಷದಲ್ಲಿ ಹತ್ತು ಪಟ್ಟು ಹೆಚ್ಚು ಬೆಳೆದಿವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ಎಲ್ಲಾ ಷೇರುಗಳನ್ನು ಮುಂದಿನ ದಿನಗಳಲ್ಲಿ ನನ್ನಿಂದ ನಿರ್ವಹಿಸುವುದು ಕಷ್ಟ. ಹೀಗಾಗಿ, ಮುಂದಿನ ರಜೆಯಲ್ಲಿ ಮಗಳು ಬಂದಾಗ ಆಕೆಯ ಹೆಸರಿಗೆ ವರ್ಗಾಯಿಸೋಣ ಎಂದುಕೊಂಡಿದ್ದೇನೆ. ಈ ವಿಚಾರಕ್ಕೆ ಸಂಬಂಧಿಸಿ ಎಷ್ಟು ತೆರಿಗೆ ಕಟ್ಟಬೇಕು ಹಾಗೂ ವರ್ಗಾವಣೆ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ.  \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನಿಮ್ಮ ಹೂಡಿಕೆ ಬಗೆಗಿನ ಅರಿವು ಸಾಮನ್ಯವೆಂದು ನೀವು ಹೇಳಿದರೂ ಅದರ ಹಿಂದಿರುವ ಲಕ್ಷ್ಯವನ್ನು ಮೆಚ್ಚಲೇಬೇಕು. ಇದು ಎಲ್ಲ ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆದಾರರಿಗೆ ಮಾರ್ಗದರ್ಶಿ ಸೂತ್ರದಂತಿದೆ. ನಿಮ್ಮ ಪ್ರಶ್ನೆಗೆ ಸಂಬಂಧಿಸಿ ಹೇಳುವುದಾದರೆ ನಿಮ್ಮ ಷೇರುಗಳ ಮೌಲ್ಯ ಎಷ್ಟೇ ಇದ್ದರೂ ನಿಮ್ಮ ಮಗಳ ಹೆಸರಲ್ಲಿ ಅವುಗಳನ್ನು ಉಡುಗೊರೆ ರೂಪದಲ್ಲಿ ಕೊಟ್ಟಾಗ ತೆರಿಗೆ ಇರುವುದಿಲ್ಲ. ತಂದೆ, ಮಕ್ಕಳ ನಡುವಿನ ಇಂತಹ ವರ್ಗಾವಣೆಗೆ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಇದೆ. ಹೆಚ್ಚುವರಿ ದಾಖಲೆಗಾಗಿ ಅಗತ್ಯ ಬಿದ್ದರೆ ವಕೀಲರನ್ನು ಸಂಪರ್ಕಿಸಿ ಗಿಫ್ಟ್ ಡೀಡ್ ಮಾಡಿಸಿ ವರ್ಗಾಯಿಸಿ. ಆದರೆ, ಈ ವರ್ಗಾವಣೆಗೆ ಸಂಬಂಧಿಸಿ ಮಾರುಕಟ್ಟೆ ದರದ ಅನ್ವಯ ಸ್ಟಾಂಪ್‌ ಮೌಲ್ಯವನ್ನು ಪಾವತಿಸಬೇಕಾಗಬಹುದು. ಈ ಬಗ್ಗೆಯೂ ವಿಚಾರಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eನಂತರ ನಿಮ್ಮ ಬ್ರೋಕರ್ ಅನ್ನು ಸಂಪರ್ಕಿಸಿ ವರ್ಗಾವಣೆಗೆ ಸಂಬಂಧಿಸಿದ ಡೆಲಿವರಿ ಇನ್ಟ್ರಕ್ಷನ್ ಸ್ಲಿಪ್ ಇತ್ಯಾದಿ ರವಾನಿಸಿ. ಇದು ಚೆಕ್ ಮೂಲಕ ಹಣ ವರ್ಗಾಯಿಸುವಂತೆಯೇ ಕಾರ್ಯ ನಿರ್ವಹಿಸುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಅಧಿಕೃತ ಬ್ಯಾಂಕಿಗೂ ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ. ಒಂದು ವಿಚಾರ ಹೆಚ್ಚುವರಿಯಾಗಿ ಗಮನಿಸಿ. ಮುಂದೆ ಈ ಷೇರುಗಳನ್ನು ನಿಮ್ಮ ಮಗಳು ಮಾರಾಟ ಮಾಡುವಾಗ ಹಾಗೂ ಬರುವ ಡಿವಿಡೆಂಡ್ ಇತ್ಯಾದಿ ಲಾಭಕ್ಕೆ ಅವರೇ ತೆರಿಗೆ ಪಾವತಿಸಬೇಕು. ಅದಕ್ಕೆ ಸಂಬಂಧಿತ ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಕೂಡ ಅವರೇ ಸಲ್ಲಿಸಬೇಕು.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002Fde1467bc-cfe8-4d08-80e0-13ac0b45cd77\u002Felement\u002F8240865b-328a-40bc-a3f3-61292b9aa014","type":"text","family-id":"b6900ea0-96a2-49d0-9485-d12e719d844a","title":"","id":"8240865b-328a-40bc-a3f3-61292b9aa014","metadata":{},"subtype":null,"text":"\u003Cp\u003E****\u003C\u002Fp\u003E\u003Cp\u003Eನಾಗೇಶ್ ಪ್ರಸಾದ್, ಬೆಂಗಳೂರು.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fde1467bc-cfe8-4d08-80e0-13ac0b45cd77\u002Felement\u002Ff8e980b2-19eb-495e-a262-91786df5f59e","type":"text","family-id":"6b6d6a21-254a-4b0a-b859-44b0edaac043","title":"","id":"f8e980b2-19eb-495e-a262-91786df5f59e","metadata":{"question":"\u003Cp\u003Eನಾನು ಇತ್ತೀಚೆಗೆ ಬ್ಯುಸಿನೆಸ್‌ಗೆ ಸಂಬಂಧಪಟ್ಟ ಪತ್ರಿಕೆ ಓದುತ್ತಿದ್ದಾಗ ಟ್ಯಾಕ್ಸ್ ಹಾರ್ವೆಸ್ಟಿಂಗ್ ಬಗ್ಗೆ ಕೇಳಿದ್ದೇನೆ. ಇದು ತೆರಿಗೆ ಉಳಿಸುವಲ್ಲಿ ನೆರವಾಗುತ್ತದೆ ಎಂದು ಆ ಮೂಲಕ ತಿಳಿದುಕೊಂಡೆ. ನಾನು ಕೆಲವು ಹೂಡಿಕೆ ಮಾಡಿದ್ದೇನೆ. ನಾನು ಈ ರೀತಿಯ ಯೋಜನೆ ಮಾಡಿದರೆ ಅನುಕೂಲಕರವೇ? ಇತ್ತೀಚಿನ ಬದಲಾದ ತೆರಿಗೆ ದರದ ಪರಿಸ್ಥಿತಿಯಲ್ಲಿ ನಮಗೆ ಇದಕ್ಕೆ ಅವಕಾಶ ಇದೆಯೇ?\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eಟ್ಯಾಕ್ಸ್ ಹಾರ್ವೆಸ್ಟಿಂಗ್ ಎಂಬುದು ಸಾಮಾನ್ಯವಾಗಿ ಹೂಡಿಕೆ ಕ್ಷೇತ್ರದಲ್ಲಿ ನಷ್ಟ ಅನುಭವಿಸುತ್ತಿರುವವರು ಈಗಾಗಲೇ ಬಂದ ಲಾಭದ ಮೇಲಿನ ತೆರಿಗೆಯನ್ನು ಉಳಿಸಲು ಬಳಸುವ ಒಂದು ತಂತ್ರಗಾರಿಕೆಯಾಗಿದೆ. ಇನ್ನೊಂದು ರೀತಿಯಲ್ಲಿ ಹೇಳುವುದಾದರೆ ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಲಾಭ ಮಾಡಲು ಹೊರಟಾಗ ತಾತ್ಕಾಲಿಕವಾಗಿ ಹೂಡಿಕೆ ಮೇಲೆ ನಷ್ಟವೂ ಗೋಚರಿಸಬಹುದು. ಇದನ್ನು ನಮ್ಮ ತೆರಿಗೆ ನಿರ್ವಹಣೆಯ ಉದ್ದೇಶಕ್ಕಾಗಿ ಪರಿಣಾಮಕಾರಿಯಾಗಿ ಬಳಸಿಕೊಳ್ಳುವುದು ಇಲ್ಲಿನ ಉದ್ದೇಶವಾಗಿರುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಡಿಮ್ಯಾಟ್ ಖಾತೆ ಅಥವಾ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಖಾತೆಯಲ್ಲಿರುವ ಹೂಡಿಕೆಗಳನ್ನು ತಾತ್ಕಾಲಿಕವಾಗಿ ಮಾರಾಟ ಮಾಡಿ ಅದೇ ಷೇರು ಅಥವಾ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳನ್ನು ಮತ್ತೆ ಮುಂದುವರಿಸಿಕೊಂಡು ಹೋಗುವುದು ಇದರ ಭಾಗವಾಗಿದೆ. ಇದರಿಂದ ಒಂದಷ್ಟು ಬ್ರೋಕರೇಜ್ ಅಥವಾ ಶುಲ್ಕ ವೆಚ್ಚವಾಗಬಹುದು. ಆದರೆ, ಆಯಾ ವರ್ಷದಲ್ಲಿ ನಷ್ಟ ದಾಖಲಿಸಿ ಈಗಾಗಲೇ ಬಂದ ಲಾಭಕ್ಕೆ ಸರಿದೂಗಿಸುವುದು ಹಾಗೂ ತೆರಿಗೆ ಉಳಿಸುವುದು ಇದರ ಕಾರ್ಯ ವಿಧಾನವಾಗಿದೆ.    \u003C\u002Fp\u003E\u003Cp\u003Eಪ್ರಸಕ್ತ ಆರ್ಥಿಕ ವರ್ಷದಲ್ಲಿ ಬದಲಾದ ತೆರಿಗೆ ನಿಯಮಗಳ ಪ್ರಕಾರ ₹1.25 ಲಕ್ಷಕ್ಕಿಂತ ಅಧಿಕ ದೀರ್ಘಾವಧಿ ಲಾಭ ಗಳಿಸಿದ್ದರೆ ಅದಕ್ಕಿಂತ ಅಧಿಕ ಮೊತ್ತದ ಲಾಭದ ಮೇಲೆ ಶೇ 12.5ರ ದರದಲ್ಲಿ ತೆರಿಗೆ ಕಟ್ಟಬೇಕು. ಇಂತಹ ಸಂದರ್ಭದಲ್ಲಿ ಅದೇ ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆಯಲ್ಲಿ ಹೆಚ್ಚುವರಿ ಲಾಭದ ಪ್ರಮಾಣಕ್ಕೆ ಸಮನಾಗಿ ನಷ್ಟವಾಗುವಂತೆ ಯಾವುದಾದರೂ ಹೂಡಿಕೆ ಇದ್ದರೆ ಅದನ್ನು ಮಾರಾಟ ಮಾಡಿ ನಷ್ಟ ದಾಖಲಿಸಬೇಕು. ಒಟ್ಟಾರೆ ಇದರ ಪರಿಣಾಮ ನಿಮ್ಮ ಲಾಭವು ₹1.25 ಲಕ್ಷಕ್ಕಿಂತ ಒಳಗೆ ಇರುವಂತೆ ನೋಡಿಕೊಂಡು ತೆರಿಗೆ ಸಂಪೂರ್ಣ ಉಳಿಸುವುದು ಒಂದು ಯೋಜನೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನೊಂದು ಉದಾಹರಣೆ ಹೇಳುವುದಾದರೆ ಅಲ್ಪಾವಧಿ ಹೂಡಿಕೆಯಲ್ಲಿ ಈಗಾಗಲೇ ₹2 ಲಕ್ಷ ಲಾಭ ಹೊಂದಿದ್ದೀರಿ ಎಂದಿಟ್ಟುಕೊಳ್ಳಿ. ಪ್ರಸ್ತುತ ಇದರ ಮೇಲೆ ಶೇ 20ರ ದರದಲ್ಲಿ ತೆರಿಗೆ ಕಟ್ಟಬೇಕಾಗುತ್ತದೆ. ನಿಮ್ಮ ಅದೇ ವರ್ಗದ ಅಲ್ಪಾವಧಿ ಹೂಡಿಕೆ ಆಕಸ್ಮಿಕವಾಗಿ ನಷ್ಟದಲ್ಲಿದ್ದರೆ ಸರಿಯಾದ ಸಂದರ್ಭ ನೋಡಿ ಸಾಧ್ಯವಾದಷ್ಟು ಅಲ್ಪಾವಧಿ ನಷ್ಟ ದಾಖಲಿಸಿ ಈ ಮೊತ್ತದ ಮೇಲೆ ಕಟ್ಟಬೇಕಾಗುವ ತೆರಿಗೆ ತಗ್ಗಿಸಬಹುದು. ತದ ನಂತರ ಅದೇ ಷೇರುಗಳನ್ನು ಖರೀದಿಸಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ಯಾವುದೇ ತಂತ್ರಗಾರಿಕೆಯನ್ನು ನಿಮ್ಮ ಲಾಭದ ಉದ್ದೇಶಕ್ಕೆ ಪ್ರಯೋಗಿಸುವ ಮೊದಲು ನಿಮಗೆ ಅನ್ವಯವಾಗುವ ತೆರಿಗೆ ದರ, ಲಾಭ-ನಷ್ಟ ಪರಸ್ಪರ ಹೊಂದಾಣಿಕೆ ಮಾಡಿಕೊಳ್ಳುವ ಆದಾಯ ತೆರಿಗೆ ಸೆಕ್ಷನ್ 70 ಹಾಗೂ ಸೆಕ್ಷನ್ 74ರ ಷರತ್ತುಗಳನ್ನು ಸರಿಯಾಗಿ ಅರ್ಥೈಸಿಕೊಳ್ಳಿ ಅಥವಾ ನಿಮ್ಮ ಪೋರ್ಟ್‌ ಫೋಲಿಯೊಗೆ ಸಂಬಂಧಿಸಿ, ಅಗತ್ಯ ತೆರಿಗೆ ಸಲಹೆಯನ್ನು ಪಡೆದುಕೊಳ್ಳಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಒಂದು ವಿಚಾರ ನೆನಪಿರಲಿ. ಟ್ಯಾಕ್ಸ್ ಹಾರ್ವೆಸ್ಟಿಂಗ್ ಎಂಬುದು ಆಕಸ್ಮಿಕವಾಗಿ ನಮ್ಮ ಊಹೆಗೂ ಮೀರಿದ ಸಂದರ್ಭಗಳಲ್ಲಿ ಉಂಟಾದ ನಷ್ಟವನ್ನು ನಮ್ಮ ತೆರಿಗೆ ಪಾವತಿಯ ಪರಿಸ್ಥಿತಿಗೆ ಹೊಂದಿಕೊಂಡು ವ್ಯವಹರಿಸುವ ವಿಷಯವೇ ಹೊರತು, ಮೂಲತಃ ಎಲ್ಲ ಹೂಡಿಕೆದಾರರೂ ಗಳಿಸಬೇಕಾಗುವ ಲಾಭದ ವಿಚಾರದಲ್ಲಿ ಮಾಡಿಕೊಳ್ಳುವ ರಾಜಿಯಲ್ಲ ಎಂಬುದು. ಹೀಗಾಗಿ, ಅದರ ಮೇಲೆ ಯಾವತ್ತೂ ತೆರಿಗೆ ಇದ್ದೇ ಇದೆ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಇತ್ತೀಚೆಗೆ ಬ್ಯುಸಿನೆಸ್‌ಗೆ ಸಂಬಂಧಪಟ್ಟ ಪತ್ರಿಕೆ ಓದುತ್ತಿದ್ದಾಗ ಟ್ಯಾಕ್ಸ್ ಹಾರ್ವೆಸ್ಟಿಂಗ್ ಬಗ್ಗೆ ಕೇಳಿದ್ದೇನೆ. ಇದು ತೆರಿಗೆ ಉಳಿಸುವಲ್ಲಿ ನೆರವಾಗುತ್ತದೆ ಎಂದು ಆ ಮೂಲಕ ತಿಳಿದುಕೊಂಡೆ. ನಾನು ಕೆಲವು ಹೂಡಿಕೆ ಮಾಡಿದ್ದೇನೆ. ನಾನು ಈ ರೀತಿಯ ಯೋಜನೆ ಮಾಡಿದರೆ ಅನುಕೂಲಕರವೇ? ಇತ್ತೀಚಿನ ಬದಲಾದ ತೆರಿಗೆ ದರದ ಪರಿಸ್ಥಿತಿಯಲ್ಲಿ ನಮಗೆ ಇದಕ್ಕೆ ಅವಕಾಶ ಇದೆಯೇ?\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eಟ್ಯಾಕ್ಸ್ ಹಾರ್ವೆಸ್ಟಿಂಗ್ ಎಂಬುದು ಸಾಮಾನ್ಯವಾಗಿ ಹೂಡಿಕೆ ಕ್ಷೇತ್ರದಲ್ಲಿ ನಷ್ಟ ಅನುಭವಿಸುತ್ತಿರುವವರು ಈಗಾಗಲೇ ಬಂದ ಲಾಭದ ಮೇಲಿನ ತೆರಿಗೆಯನ್ನು ಉಳಿಸಲು ಬಳಸುವ ಒಂದು ತಂತ್ರಗಾರಿಕೆಯಾಗಿದೆ. ಇನ್ನೊಂದು ರೀತಿಯಲ್ಲಿ ಹೇಳುವುದಾದರೆ ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಲಾಭ ಮಾಡಲು ಹೊರಟಾಗ ತಾತ್ಕಾಲಿಕವಾಗಿ ಹೂಡಿಕೆ ಮೇಲೆ ನಷ್ಟವೂ ಗೋಚರಿಸಬಹುದು. ಇದನ್ನು ನಮ್ಮ ತೆರಿಗೆ ನಿರ್ವಹಣೆಯ ಉದ್ದೇಶಕ್ಕಾಗಿ ಪರಿಣಾಮಕಾರಿಯಾಗಿ ಬಳಸಿಕೊಳ್ಳುವುದು ಇಲ್ಲಿನ ಉದ್ದೇಶವಾಗಿರುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಡಿಮ್ಯಾಟ್ ಖಾತೆ ಅಥವಾ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಖಾತೆಯಲ್ಲಿರುವ ಹೂಡಿಕೆಗಳನ್ನು ತಾತ್ಕಾಲಿಕವಾಗಿ ಮಾರಾಟ ಮಾಡಿ ಅದೇ ಷೇರು ಅಥವಾ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳನ್ನು ಮತ್ತೆ ಮುಂದುವರಿಸಿಕೊಂಡು ಹೋಗುವುದು ಇದರ ಭಾಗವಾಗಿದೆ. ಇದರಿಂದ ಒಂದಷ್ಟು ಬ್ರೋಕರೇಜ್ ಅಥವಾ ಶುಲ್ಕ ವೆಚ್ಚವಾಗಬಹುದು. ಆದರೆ, ಆಯಾ ವರ್ಷದಲ್ಲಿ ನಷ್ಟ ದಾಖಲಿಸಿ ಈಗಾಗಲೇ ಬಂದ ಲಾಭಕ್ಕೆ ಸರಿದೂಗಿಸುವುದು ಹಾಗೂ ತೆರಿಗೆ ಉಳಿಸುವುದು ಇದರ ಕಾರ್ಯ ವಿಧಾನವಾಗಿದೆ.    \u003C\u002Fp\u003E\u003Cp\u003Eಪ್ರಸಕ್ತ ಆರ್ಥಿಕ ವರ್ಷದಲ್ಲಿ ಬದಲಾದ ತೆರಿಗೆ ನಿಯಮಗಳ ಪ್ರಕಾರ ₹1.25 ಲಕ್ಷಕ್ಕಿಂತ ಅಧಿಕ ದೀರ್ಘಾವಧಿ ಲಾಭ ಗಳಿಸಿದ್ದರೆ ಅದಕ್ಕಿಂತ ಅಧಿಕ ಮೊತ್ತದ ಲಾಭದ ಮೇಲೆ ಶೇ 12.5ರ ದರದಲ್ಲಿ ತೆರಿಗೆ ಕಟ್ಟಬೇಕು. ಇಂತಹ ಸಂದರ್ಭದಲ್ಲಿ ಅದೇ ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆಯಲ್ಲಿ ಹೆಚ್ಚುವರಿ ಲಾಭದ ಪ್ರಮಾಣಕ್ಕೆ ಸಮನಾಗಿ ನಷ್ಟವಾಗುವಂತೆ ಯಾವುದಾದರೂ ಹೂಡಿಕೆ ಇದ್ದರೆ ಅದನ್ನು ಮಾರಾಟ ಮಾಡಿ ನಷ್ಟ ದಾಖಲಿಸಬೇಕು. ಒಟ್ಟಾರೆ ಇದರ ಪರಿಣಾಮ ನಿಮ್ಮ ಲಾಭವು ₹1.25 ಲಕ್ಷಕ್ಕಿಂತ ಒಳಗೆ ಇರುವಂತೆ ನೋಡಿಕೊಂಡು ತೆರಿಗೆ ಸಂಪೂರ್ಣ ಉಳಿಸುವುದು ಒಂದು ಯೋಜನೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನೊಂದು ಉದಾಹರಣೆ ಹೇಳುವುದಾದರೆ ಅಲ್ಪಾವಧಿ ಹೂಡಿಕೆಯಲ್ಲಿ ಈಗಾಗಲೇ ₹2 ಲಕ್ಷ ಲಾಭ ಹೊಂದಿದ್ದೀರಿ ಎಂದಿಟ್ಟುಕೊಳ್ಳಿ. ಪ್ರಸ್ತುತ ಇದರ ಮೇಲೆ ಶೇ 20ರ ದರದಲ್ಲಿ ತೆರಿಗೆ ಕಟ್ಟಬೇಕಾಗುತ್ತದೆ. ನಿಮ್ಮ ಅದೇ ವರ್ಗದ ಅಲ್ಪಾವಧಿ ಹೂಡಿಕೆ ಆಕಸ್ಮಿಕವಾಗಿ ನಷ್ಟದಲ್ಲಿದ್ದರೆ ಸರಿಯಾದ ಸಂದರ್ಭ ನೋಡಿ ಸಾಧ್ಯವಾದಷ್ಟು ಅಲ್ಪಾವಧಿ ನಷ್ಟ ದಾಖಲಿಸಿ ಈ ಮೊತ್ತದ ಮೇಲೆ ಕಟ್ಟಬೇಕಾಗುವ ತೆರಿಗೆ ತಗ್ಗಿಸಬಹುದು. ತದ ನಂತರ ಅದೇ ಷೇರುಗಳನ್ನು ಖರೀದಿಸಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ಯಾವುದೇ ತಂತ್ರಗಾರಿಕೆಯನ್ನು ನಿಮ್ಮ ಲಾಭದ ಉದ್ದೇಶಕ್ಕೆ ಪ್ರಯೋಗಿಸುವ ಮೊದಲು ನಿಮಗೆ ಅನ್ವಯವಾಗುವ ತೆರಿಗೆ ದರ, ಲಾಭ-ನಷ್ಟ ಪರಸ್ಪರ ಹೊಂದಾಣಿಕೆ ಮಾಡಿಕೊಳ್ಳುವ ಆದಾಯ ತೆರಿಗೆ ಸೆಕ್ಷನ್ 70 ಹಾಗೂ ಸೆಕ್ಷನ್ 74ರ ಷರತ್ತುಗಳನ್ನು ಸರಿಯಾಗಿ ಅರ್ಥೈಸಿಕೊಳ್ಳಿ ಅಥವಾ ನಿಮ್ಮ ಪೋರ್ಟ್‌ ಫೋಲಿಯೊಗೆ ಸಂಬಂಧಿಸಿ, ಅಗತ್ಯ ತೆರಿಗೆ ಸಲಹೆಯನ್ನು ಪಡೆದುಕೊಳ್ಳಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಒಂದು ವಿಚಾರ ನೆನಪಿರಲಿ. ಟ್ಯಾಕ್ಸ್ ಹಾರ್ವೆಸ್ಟಿಂಗ್ ಎಂಬುದು ಆಕಸ್ಮಿಕವಾಗಿ ನಮ್ಮ ಊಹೆಗೂ ಮೀರಿದ ಸಂದರ್ಭಗಳಲ್ಲಿ ಉಂಟಾದ ನಷ್ಟವನ್ನು ನಮ್ಮ ತೆರಿಗೆ ಪಾವತಿಯ ಪರಿಸ್ಥಿತಿಗೆ ಹೊಂದಿಕೊಂಡು ವ್ಯವಹರಿಸುವ ವಿಷಯವೇ ಹೊರತು, ಮೂಲತಃ ಎಲ್ಲ ಹೂಡಿಕೆದಾರರೂ ಗಳಿಸಬೇಕಾಗುವ ಲಾಭದ ವಿಚಾರದಲ್ಲಿ ಮಾಡಿಕೊಳ್ಳುವ ರಾಜಿಯಲ್ಲ ಎಂಬುದು. ಹೀಗಾಗಿ, ಅದರ ಮೇಲೆ ಯಾವತ್ತೂ ತೆರಿಗೆ ಇದ್ದೇ ಇದೆ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1729620564888,"content-version-id":"8c887034-69d3-4e29-bbbe-f994cfb478b0","card-added-at":1729590609418,"status":"draft","id":"6fc97d49-a4b3-47cb-aed2-964214eb67f0","content-id":"6fc97d49-a4b3-47cb-aed2-964214eb67f0","version":6,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-10-22\u002Fljgxzb5d\u002Fimages.jpg","url":null,"attribution":null,"alt-text":null,"caption":null,"metadata":{"width":300,"height":168,"mime-type":"image\u002Fjpeg","file-size":7830,"file-name":"images.jpg","focus-point":[161,58]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fquestion-and-answers-for-your-all-finance-tax-related-queries-3016797","story-version-id":"751a78ce-0019-4261-8638-da98b7781203","content-type":"story","content-updated-at":1729642079622,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1729642080000,"hero-image-caption":null,"version":9,"story-template":"syndicated","sequence-no":null,"created-at":1729620564881,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ ಸುದ್ದಿ"]},"imported-card-id":"6fc97d49-a4b3-47cb-aed2-964214eb67f0","card-share":{"shareable":false}},"publish-at":1729642080000,"assignee-name":"syndication"}},{"id":"2ad16aa3-55ef-4f22-8498-06af0d71ba29","score":null,"type":"story","item":{"headline":["ಸರ್ಕಾರಿ ನೌಕರರು ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಇರುವ ನಿಯಮಗಳಿವು..."]},"story":{"updated-at":1729010541031,"seo":{"meta-description":"ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಎಲ್ಲ ವರ್ಗದ ವ್ಯಕ್ತಿಗಳಿಗೆ ಮುಕ್ತ ಅವಕಾಶ ಇದ್ದರೂ ನಾಗರಿಕ ಸೇವಾ ಕಾನೂನು ಅನ್ವಯವಾಗುವ ಸರ್ಕಾರಿ ನೌಕರಿಯಲ್ಲಿರುವ ವ್ಯಕ್ತಿಗಳಿಗೆ ಸಂಬಂಧಿಸಿ ಕೆಲವು ನಿಯಮಗಳನ್ನು ಉಲ್ಲೇಖಿಸಲಾಗಿದೆ.","meta-keywords":["Share Market","Government employees"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5511068,"name":"Share Market","meta-description":null,"meta-title":null,"slug":"share-market","tag-type":"Tag"},{"id":5511203,"name":"Government employees","meta-description":null,"meta-title":null,"slug":"government-employees","tag-type":"Tag"}],"headline":"ಸರ್ಕಾರಿ ನೌಕರರು ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಇರುವ ನಿಯಮಗಳಿವು...","storyline-id":null,"votes":{},"story-content-id":"2ad16aa3-55ef-4f22-8498-06af0d71ba29","slug":"business\u002Fprashnottara\u002Fquestion-and-answer-the-rules-for-government-employees-to-invest-in-the-stock-market-are-3007249","last-published-at":1729035360000,"public-identifier":"3007249","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1728995424683,"is-embargoed":false,"owner-name":"syndication","custom-slug":"question and answer The rules for government employees to invest in the stock market are…","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"width":1200,"height":675,"mime-type":"image\u002Fjpeg","file-size":113190,"file-name":"file6wljo3z1h9ge3r4r7vc.jpg","focus-point":[600,338]},"comments":null,"word-count":470,"story-features":null,"entities":{},"published-at":1729035360000,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7xmdl27rklvlzty6hns","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"2ad16aa3-55ef-4f22-8498-06af0d71ba29","hero-image-s3-key":"prajavani\u002F2024-10-15\u002F3zn0w11r\u002Ffile6wljo3z1h9ge3r4r7vc.jpg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F2ad16aa3-55ef-4f22-8498-06af0d71ba29\u002Felement\u002Fb3c25ed7-b9e0-4890-9ceb-220710fb764d","type":"text","family-id":"4d53cc00-f74c-427a-8642-836e0a6f90b9","title":"","id":"b3c25ed7-b9e0-4890-9ceb-220710fb764d","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಎಲ್ಲ ವರ್ಗದ ವ್ಯಕ್ತಿಗಳಿಗೆ ಮುಕ್ತ ಅವಕಾಶ ಇದ್ದರೂ ನಾಗರಿಕ ಸೇವಾ ಕಾನೂನು ಅನ್ವಯವಾಗುವ ಸರ್ಕಾರಿ ನೌಕರಿಯಲ್ಲಿರುವ ವ್ಯಕ್ತಿಗಳಿಗೆ ಸಂಬಂಧಿಸಿ ಕೆಲವು ನಿಯಮಗಳನ್ನು ಉಲ್ಲೇಖಿಸಲಾಗಿದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F2ad16aa3-55ef-4f22-8498-06af0d71ba29\u002Felement\u002F6ca71067-e83a-45ee-b8c2-8fb03ada60e3","type":"text","family-id":"f4f3d9f4-1252-4d0d-a531-bb95c9685be3","title":"","id":"6ca71067-e83a-45ee-b8c2-8fb03ada60e3","metadata":{"question":"\u003Cp\u003Eನಾನು ರಾಜ್ಯ ಸರ್ಕಾರಿ ನೌಕರ. ಮ್ಯೂಚುವಲ್‌ ಫಂಡ್‌ ಮತ್ತು ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವಂತಿಲ್ಲ ಎಂಬ ನಿಯಮವು ಕರ್ನಾಟಕ ನಾಗರಿಕ ಸೇವಾ ನಿಯಮಗಳಲ್ಲಿದೆ ಎಂಬುದನ್ನು ಕೇಳಲ್ಪಟ್ಟೆ. ಇದು ಹೌದೇ? ಒಂದು ವೇಳೆ ಹೌದಾಗಿದ್ದಲ್ಲಿ ನಮ್ಮ ಹಣವನ್ನು ಹೂಡಿಕೆ ಮಾಡಿ ಹಣ ಬೆಳೆಸದಂತೆ ನಿರ್ಬಂಧಿಸಲು ಸರ್ಕಾರಕ್ಕೆ ಯಾವ ಹಕ್ಕಿದೆ? ದಯಮಾಡಿ ಪರಿಹಾರೋಪಾಯ ತಿಳಿಸಿ‌.– \u003Cem\u003Eಚಂದ್ರಶೇಖರ್, ಯಾದಗಿರಿ.\u003C\u002Fem\u003E\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನಮ್ಮ ಹಿಂದಿನ ಕೆಲವು ಸಂಚಿಕೆಗಳಲ್ಲಿ ವಿವಿಧ ಓದುಗರು ಕೇಳಿದ ಇದೇ ರೀತಿಯ ಪ್ರಶ್ನೆಗೆ ಈ ಹಿಂದೆಯೂ ಉತ್ತರಿಸಲಾಗಿದೆ. ನಾಗರಿಕ ಸೇವಾ ನಿಯಮದಲ್ಲಿ ಈ ಬಗ್ಗೆ ನಿರ್ಬಂಧ ಇದೆ. ನಿಮ್ಮ ಅಭಿಪ್ರಾಯದಂತೆ ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಎಲ್ಲ ವರ್ಗದ ವ್ಯಕ್ತಿಗಳಿಗೆ ಮುಕ್ತ ಅವಕಾಶ ಇದ್ದರೂ ನಾಗರಿಕ ಸೇವಾ ಕಾನೂನು ಅನ್ವಯವಾಗುವ ಸರ್ಕಾರಿ ನೌಕರಿಯಲ್ಲಿರುವ ವ್ಯಕ್ತಿಗಳಿಗೆ ಸಂಬಂಧಿಸಿ ಕೆಲವು ನಿಯಮಗಳನ್ನು ಉಲ್ಲೇಖಿಸಲಾಗಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ನಿಯಮದ ಉದ್ದೇಶ ಷೇರುಪೇಟೆ ವ್ಯವಹಾರದಿಂದ ತಮ್ಮ ಕರ್ತವ್ಯ ಪಾಲನೆಯಲ್ಲಿ ಲೋಪವಾಗುವ ಅಥವಾ ಪ್ರಲೋಭನೆಗೊಳಗಾಗುವ ಸಾಧ್ಯತೆ ಇರುವುದನ್ನು ನಿಯಂತ್ರಿಸುವುದಾಗಿದೆ. ಈ ನಿರ್ಬಂಧ ಸರ್ಕಾರಿ ಉದ್ಯೋಗಿಯ ಪತಿ- ಪತ್ನಿ-ಮಕ್ಕಳಿಗೂ ಇದೆ ಎನ್ನುವುದು ಗಮನಾರ್ಹ ವಿಚಾರ.\u003C\u002Fp\u003E\u003Cp\u003Eಕರ್ನಾಟಕ ಸಿವಿಲ್ ಸರ್ವಿಸಸ್ ರೂಲ್ಸ್ 1966ರ (ಕರ್ನಾಟಕ ನಾಗರಿಕ ಸೇವಾ ನಿಯಮಗಳು) ನಿಯಮಾವಳಿಯಂತೆ ಸರ್ಕಾರಿ ಹುದ್ದೆಯಲ್ಲಿರುವ ವ್ಯಕ್ತಿಗಳಿಗೆ ಅನ್ವಯಿಸುವಂತೆ ಈ ನಿರ್ಬಂಧಗಳನ್ನು ಹೇರಲಾಗಿದೆ. ನಿಯಮ 21ರ ಅನ್ವಯ  ಯಾವುದೇ ಸರ್ಕಾರಿ ಉದ್ಯೋಗಿಗಳು ಷೇರು ಅಥವಾ ಇತರೆ ಹೂಡಿಕೆ ಉತ್ಪನ್ನದಲ್ಲಿ ಸ್ಪೆಕ್ಯುಲೇಟಿವ್ (ತ್ವರಿತ ದರ ಏರಿಳಿತ) ರೂಪದಲ್ಲಿರುವ ವ್ಯವಹಾರಗಳಲ್ಲಿ ತೊಡಗಿಸುವುದನ್ನು ನಿರ್ಬಂಧಿಸಲಾಗಿದೆ. ಈ ನಿಯಮವು ಕೇಂದ್ರ ಸರ್ಕಾರ, ರಾಜ್ಯ ಸರ್ಕಾರ ಅಥವಾ ಕೇಂದ್ರಾಡಳಿತ ಪ್ರದೇಶ ವ್ಯಾಪ್ತಿಗೆ ಬರುವ ಇಲಾಖೆಗಳಲ್ಲಿ ಉದ್ಯೋಗ ಮಾಡುವ ಎಲ್ಲಾ ನೌಕರರಿಗೂ ಆಯಾ ಪ್ರಾದೇಶಿಕ ನಿಯಮಗಳಂತೆ ಅನ್ವಯಿಸುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಆದರೆ, ಕೇವಲ ಹೂಡಿಕೆ ದೃಷ್ಟಿಯಿಂದ ಮಾಡುವ ವ್ಯವಹಾರ ಇದರಲ್ಲಿ ಒಳಗೊಳ್ಳುವುದಿಲ್ಲ. ಕೆಲವೊಂದು ರೀತಿಯ ಹೂಡಿಕೆಗಳಿಗೆ ರಿಯಾಯಿತಿಗಳನ್ನೂ ನೀಡಲಾಗಿದೆ. ಉದಾಹರಣೆಗೆ ಹಂತ ಹಂತವಾಗಿ ಷೇರುಗಳನ್ನು ದೀರ್ಘಾವಧಿಗಾಗಿ ಖರೀದಿಸಿ ಕೆಲವು ವರ್ಷದ ಬಳಿಕ ಮಾರಾಟ ಮಾಡಿದಾಗ ಅದು ಹೂಡಿಕೆ ಎಂದೇ ಪರಿಗಣಿಸಲ್ಪಡುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಷೇಧಿತ ಪರಿಮಿತಿಯಲ್ಲಿ ಅಲ್ಪಾವಧಿ ಷೇರು ಖರೀದಿ ಮಾರಾಟ, ಕರೆನ್ಸಿ ಹಾಗೂ ಕಮೋಡಿಟಿ ವಹಿವಾಟು, ಫ್ಯೂಚರ್ಸ್ ಮತ್ತು ಆಪ್ಶನ್ ವ್ಯವಹಾರ ಅಥವಾ ಇಂಟ್ರಾಡೇ ಟ್ರೇಡಿಂಗ್ ಇತ್ಯಾದಿಗಳು ಇಲ್ಲಿ ಬಹುಮುಖ್ಯವಾಗಿ ಒಳಗೊಳ್ಳುತ್ತವೆ. ನಿಯಮಾವಳಿಯಲ್ಲಿ ಎಷ್ಟು ಬಾರಿ ವ್ಯವಹರಿಸಬಹುದು ಎನ್ನುವ ನಿರ್ದಿಷ್ಟ ಮಾಹಿತಿ ನೀಡಿಲ್ಲದಿದ್ದರೂ, ಅದರರ್ಥ ಅನೇಕ ಬಾರಿ ಖರೀದಿ ಮಾರಾಟ ಮಾಡಬಹುದೆಂದಲ್ಲ. ದೀರ್ಘಾವಧಿಗೆ ಷೇರುಗಳಲ್ಲದೆ ಎಸ್‌ಐಪಿ, ಗೋಲ್ಡ್ ಬಾಂಡ್‌, ಆರ್‌ಬಿಐ ಬಾಂಡ್‌ ಮತ್ತು ಅಂತಹ ಇತರೆ ಹೂಡಿಕೆಗಳನ್ನೂ ಮಾಡಬಹುದು. ಈ ಬಗ್ಗೆ ಅಗತ್ಯ ಬಿದ್ದರೆ ಸಂಬಂಧ‍ಪಟ್ಟ ಉನ್ನತ ಅಧಿಕಾರಿಗಳಿಗೂ ನೀವು ಲಿಖಿತ ರೂಪದಲ್ಲಿ ಸಂಪರ್ಕಿಸಿ ಮಾಹಿತಿ ಪಡೆಯಬಹುದು.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ರಾಜ್ಯ ಸರ್ಕಾರಿ ನೌಕರ. ಮ್ಯೂಚುವಲ್‌ ಫಂಡ್‌ ಮತ್ತು ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವಂತಿಲ್ಲ ಎಂಬ ನಿಯಮವು ಕರ್ನಾಟಕ ನಾಗರಿಕ ಸೇವಾ ನಿಯಮಗಳಲ್ಲಿದೆ ಎಂಬುದನ್ನು ಕೇಳಲ್ಪಟ್ಟೆ. ಇದು ಹೌದೇ? ಒಂದು ವೇಳೆ ಹೌದಾಗಿದ್ದಲ್ಲಿ ನಮ್ಮ ಹಣವನ್ನು ಹೂಡಿಕೆ ಮಾಡಿ ಹಣ ಬೆಳೆಸದಂತೆ ನಿರ್ಬಂಧಿಸಲು ಸರ್ಕಾರಕ್ಕೆ ಯಾವ ಹಕ್ಕಿದೆ? ದಯಮಾಡಿ ಪರಿಹಾರೋಪಾಯ ತಿಳಿಸಿ‌.– \u003Cem\u003Eಚಂದ್ರಶೇಖರ್, ಯಾದಗಿರಿ.\u003C\u002Fem\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನಮ್ಮ ಹಿಂದಿನ ಕೆಲವು ಸಂಚಿಕೆಗಳಲ್ಲಿ ವಿವಿಧ ಓದುಗರು ಕೇಳಿದ ಇದೇ ರೀತಿಯ ಪ್ರಶ್ನೆಗೆ ಈ ಹಿಂದೆಯೂ ಉತ್ತರಿಸಲಾಗಿದೆ. ನಾಗರಿಕ ಸೇವಾ ನಿಯಮದಲ್ಲಿ ಈ ಬಗ್ಗೆ ನಿರ್ಬಂಧ ಇದೆ. ನಿಮ್ಮ ಅಭಿಪ್ರಾಯದಂತೆ ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಎಲ್ಲ ವರ್ಗದ ವ್ಯಕ್ತಿಗಳಿಗೆ ಮುಕ್ತ ಅವಕಾಶ ಇದ್ದರೂ ನಾಗರಿಕ ಸೇವಾ ಕಾನೂನು ಅನ್ವಯವಾಗುವ ಸರ್ಕಾರಿ ನೌಕರಿಯಲ್ಲಿರುವ ವ್ಯಕ್ತಿಗಳಿಗೆ ಸಂಬಂಧಿಸಿ ಕೆಲವು ನಿಯಮಗಳನ್ನು ಉಲ್ಲೇಖಿಸಲಾಗಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ನಿಯಮದ ಉದ್ದೇಶ ಷೇರುಪೇಟೆ ವ್ಯವಹಾರದಿಂದ ತಮ್ಮ ಕರ್ತವ್ಯ ಪಾಲನೆಯಲ್ಲಿ ಲೋಪವಾಗುವ ಅಥವಾ ಪ್ರಲೋಭನೆಗೊಳಗಾಗುವ ಸಾಧ್ಯತೆ ಇರುವುದನ್ನು ನಿಯಂತ್ರಿಸುವುದಾಗಿದೆ. ಈ ನಿರ್ಬಂಧ ಸರ್ಕಾರಿ ಉದ್ಯೋಗಿಯ ಪತಿ- ಪತ್ನಿ-ಮಕ್ಕಳಿಗೂ ಇದೆ ಎನ್ನುವುದು ಗಮನಾರ್ಹ ವಿಚಾರ.\u003C\u002Fp\u003E\u003Cp\u003Eಕರ್ನಾಟಕ ಸಿವಿಲ್ ಸರ್ವಿಸಸ್ ರೂಲ್ಸ್ 1966ರ (ಕರ್ನಾಟಕ ನಾಗರಿಕ ಸೇವಾ ನಿಯಮಗಳು) ನಿಯಮಾವಳಿಯಂತೆ ಸರ್ಕಾರಿ ಹುದ್ದೆಯಲ್ಲಿರುವ ವ್ಯಕ್ತಿಗಳಿಗೆ ಅನ್ವಯಿಸುವಂತೆ ಈ ನಿರ್ಬಂಧಗಳನ್ನು ಹೇರಲಾಗಿದೆ. ನಿಯಮ 21ರ ಅನ್ವಯ  ಯಾವುದೇ ಸರ್ಕಾರಿ ಉದ್ಯೋಗಿಗಳು ಷೇರು ಅಥವಾ ಇತರೆ ಹೂಡಿಕೆ ಉತ್ಪನ್ನದಲ್ಲಿ ಸ್ಪೆಕ್ಯುಲೇಟಿವ್ (ತ್ವರಿತ ದರ ಏರಿಳಿತ) ರೂಪದಲ್ಲಿರುವ ವ್ಯವಹಾರಗಳಲ್ಲಿ ತೊಡಗಿಸುವುದನ್ನು ನಿರ್ಬಂಧಿಸಲಾಗಿದೆ. ಈ ನಿಯಮವು ಕೇಂದ್ರ ಸರ್ಕಾರ, ರಾಜ್ಯ ಸರ್ಕಾರ ಅಥವಾ ಕೇಂದ್ರಾಡಳಿತ ಪ್ರದೇಶ ವ್ಯಾಪ್ತಿಗೆ ಬರುವ ಇಲಾಖೆಗಳಲ್ಲಿ ಉದ್ಯೋಗ ಮಾಡುವ ಎಲ್ಲಾ ನೌಕರರಿಗೂ ಆಯಾ ಪ್ರಾದೇಶಿಕ ನಿಯಮಗಳಂತೆ ಅನ್ವಯಿಸುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಆದರೆ, ಕೇವಲ ಹೂಡಿಕೆ ದೃಷ್ಟಿಯಿಂದ ಮಾಡುವ ವ್ಯವಹಾರ ಇದರಲ್ಲಿ ಒಳಗೊಳ್ಳುವುದಿಲ್ಲ. ಕೆಲವೊಂದು ರೀತಿಯ ಹೂಡಿಕೆಗಳಿಗೆ ರಿಯಾಯಿತಿಗಳನ್ನೂ ನೀಡಲಾಗಿದೆ. ಉದಾಹರಣೆಗೆ ಹಂತ ಹಂತವಾಗಿ ಷೇರುಗಳನ್ನು ದೀರ್ಘಾವಧಿಗಾಗಿ ಖರೀದಿಸಿ ಕೆಲವು ವರ್ಷದ ಬಳಿಕ ಮಾರಾಟ ಮಾಡಿದಾಗ ಅದು ಹೂಡಿಕೆ ಎಂದೇ ಪರಿಗಣಿಸಲ್ಪಡುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಷೇಧಿತ ಪರಿಮಿತಿಯಲ್ಲಿ ಅಲ್ಪಾವಧಿ ಷೇರು ಖರೀದಿ ಮಾರಾಟ, ಕರೆನ್ಸಿ ಹಾಗೂ ಕಮೋಡಿಟಿ ವಹಿವಾಟು, ಫ್ಯೂಚರ್ಸ್ ಮತ್ತು ಆಪ್ಶನ್ ವ್ಯವಹಾರ ಅಥವಾ ಇಂಟ್ರಾಡೇ ಟ್ರೇಡಿಂಗ್ ಇತ್ಯಾದಿಗಳು ಇಲ್ಲಿ ಬಹುಮುಖ್ಯವಾಗಿ ಒಳಗೊಳ್ಳುತ್ತವೆ. ನಿಯಮಾವಳಿಯಲ್ಲಿ ಎಷ್ಟು ಬಾರಿ ವ್ಯವಹರಿಸಬಹುದು ಎನ್ನುವ ನಿರ್ದಿಷ್ಟ ಮಾಹಿತಿ ನೀಡಿಲ್ಲದಿದ್ದರೂ, ಅದರರ್ಥ ಅನೇಕ ಬಾರಿ ಖರೀದಿ ಮಾರಾಟ ಮಾಡಬಹುದೆಂದಲ್ಲ. ದೀರ್ಘಾವಧಿಗೆ ಷೇರುಗಳಲ್ಲದೆ ಎಸ್‌ಐಪಿ, ಗೋಲ್ಡ್ ಬಾಂಡ್‌, ಆರ್‌ಬಿಐ ಬಾಂಡ್‌ ಮತ್ತು ಅಂತಹ ಇತರೆ ಹೂಡಿಕೆಗಳನ್ನೂ ಮಾಡಬಹುದು. ಈ ಬಗ್ಗೆ ಅಗತ್ಯ ಬಿದ್ದರೆ ಸಂಬಂಧ‍ಪಟ್ಟ ಉನ್ನತ ಅಧಿಕಾರಿಗಳಿಗೂ ನೀವು ಲಿಖಿತ ರೂಪದಲ್ಲಿ ಸಂಪರ್ಕಿಸಿ ಮಾಹಿತಿ ಪಡೆಯಬಹುದು.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F2ad16aa3-55ef-4f22-8498-06af0d71ba29\u002Felement\u002F8877d88c-1aad-407c-822f-dae82900917d","type":"text","family-id":"e30716a4-6f06-4686-b2d7-2df45e6c1501","title":"","id":"8877d88c-1aad-407c-822f-dae82900917d","metadata":{"question":"\u003Cp\u003Eನಾನು ವಿದ್ಯಾರ್ಥಿಯಾಗಿದ್ದು, ದೀರ್ಘಾವಧಿ ಸಂಪತ್ತನ್ನು ಸೃಷ್ಟಿಸುವ ಗುರಿ ಹೊಂದಿದ್ದೇನೆ. ಸಣ್ಣ ಉಳಿತಾಯದೊಂದಿಗೆ ನಾನು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೇಗೆ ಹೂಡಿಕೆ ಹೇಗೆ ಪ್ರಾರಂಭಿಸಬಹುದು ಮತ್ತು ಕಡಿಮೆ ಅಪಾಯದೊಂದಿಗೆ ಸಮತೋಲಿತ ಬೆಳವಣಿಗೆ ಹೊಂದಲು ಯಾವ ರೀತಿಯ ಫಂಡ್‌ಗಳನ್ನು ಪರಿಗಣಿಸಬೇಕು?–\u003Cem\u003Eಕಿರಣ್ ನೇಮಗೌಡ, ಅಥಣಿ, ಬೆಳಗಾವಿ ಜಿಲ್ಲೆ.\u003C\u002Fem\u003E\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನೀವು ವಿದ್ಯಾರ್ಥಿ ಜೀವನದ ಹಂತದಲ್ಲೇ ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆ ಮಾಡಲು ಮನಸ್ಸು ಮಾಡಿರುವುದು ದೊಡ್ಡ ವಿಚಾರ. ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳ ಮೂಲ ಉದ್ದೇಶ ಹೂಡಿಕೆಯಲ್ಲಿ ಆಸಕ್ತಿ ಇರುವ ವರ್ಗದಿಂದ ಹಣ ಸಂಗ್ರಹಿಸಿ, ಅವರಿಗೆ ನಿರ್ದಿಷ್ಟ ಗುರಿಯ ಸೂಚ್ಯಂಕಕ್ಕಿಂತ ಅಥವಾ ಅದೇ ವರ್ಗದ ಇತರೆ ಫಂಡ್‌ಗಳ ಸರಾಸರಿ ಲಾಭಕ್ಕಿಂತ ತುಸು ಹೆಚ್ಚಿನ ಲಾಭ ಮಾಡಿ ಕೊಡುವುದಾಗಿದೆ. ಇದರಿಂದ ಫಂಡ್ ನಿರ್ವಹಿಸುವ ವ್ಯಕ್ತಿಗಳ ಕ್ಷಮತೆ ಅರಿವಿಗೆ ಬರುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಉದಾಹರಣೆಗೆ ನಿಫ್ಟಿ ಸೂಚ್ಯಂಕವನ್ನು ಮಾನದಂಡವಾಗಿ ಪರಿಗಣಿಸುವ ವಿವಿಧ ಇಂಡೆಕ್ಸ್ ಫಂಡ್‌ಗಳನ್ನು ಪರಿಗಣಿಸುವುದಾದರೆ ಮಾಸಿಕವಾಗಿ ಸೂಚ್ಯಂಕ ಶೇ 5ರಷ್ಟು  ಏರಿಕೆ ಕಂಡಾಗ ಅದಕ್ಕಿಂತ ಅಧಿಕ ಲಾಭ ಗಳಿಸಿಕೊಡುವ ಫಂಡ್ ಅಥವಾ ಕುಸಿಯುತ್ತಿರುವಾಗ ಅದೇ ಸೂಚ್ಯ೦ಕಕ್ಕಿಂತ ಕಡಿಮೆ ಕುಸಿತಕ್ಕೊಳಗಾಗುವಂತೆ ನಿರ್ವಹಿಸುವುದು ಫಂಡ್ ಮ್ಯಾನೇಜರ್‌ನ ನಿಪುಣತೆ ತೋರಿಸುತ್ತದೆ. ಹೂಡಿಕೆಯ ಆಯ್ಕೆಯಲ್ಲಿ ಈ ವಿಚಾರವನ್ನು ಗಮನದಲ್ಲಿ ಇರಲಿ. ಫಂಡ್‌ಗಳ ತುಲನೆಯನ್ನು ಇಂಡೆಕ್ಸ್ ಜೊತೆ ಸೂಕ್ಷ್ಮವಾಗಿ ಮಾಡಿ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಹೂಡಿಕೆ ಆರಂಭಿಸುವುದಿದ್ದರೆ, ಇಂಡೆಕ್ಸ್ ಸೂಚ್ಯಂಕ ಆಧಾರಿತ ಫಂಡ್‌ಗಳನ್ನು ಮೊದಲು ಆಯ್ಕೆ ಮಾಡಿ. ಇದು ನಿಮಗೆ ವಿವಿಧ ಸನ್ನಿವೇಶದಲ್ಲಿ ಮಾರುಕಟ್ಟೆ ಏರಿಳಿತಗಳ ಅನುಭವ ಮಾಡಿಕೊಡುತ್ತದೆ. ಅಲ್ಲದೆ, ಇಂಡೆಕ್ಸ್ ಫಂಡ್‌ಗಳು ಯಾವತ್ತೂ ಆಯ್ಕೆ ಮಾಡಿದ ಇಂಡೆಕ್ಸ್‌ನ ತೂಕಕ್ಕೆ ಸಮನಾಗಿ ಇರುವುದರಿಂದ ಅದರಂತೆಯೇ ವ್ಯವಹರಿಸುತ್ತದೆ. ಇವು ವಿಪರೀತ ಕುಸಿತ ಕಾಣುವ ಸನ್ನಿವೇಶಗಳು ತೀರಾ ವಿರಳ.\u003C\u002Fp\u003E\u003Cp\u003Eಕಳೆದ ಕೆಲವು ವರ್ಷದಿಂದ ಯಾವುದೇ ಇಂಡೆಕ್ಸ್ ಆಗಿರಲಿ, ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ನಿಧಾನವಾಗಿಯಾದರೂ ಏರುಗತಿಯನ್ನೇ ಕಂಡಿದೆ.  ಹೀಗಾಗಿ, ಮೊದಲ ಹಂತದ ಅನುಭವಕ್ಕೆ ಇಂಡೆಕ್ಸ್ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಉತ್ತಮವಾಗಿದೆ. ಕ್ರಮೇಣ ಉತ್ತಮ ಈಕ್ವಿಟಿ ಆಧಾರಿತ ಫಂಡ್‌ಗಳ ಬಗ್ಗೆ ಗಮನಹರಿಸಿ. ಅದಕ್ಕಾಗಿ ಹೆಚ್ಚಿನ ಮಾಹಿತಿ ಸಂಗ್ರಹಿಸಿ ಫಂಡ್‌ಗಳ ವಿಶೇಷತೆಯನ್ನು ಅರ್ಥೈಸಿಕೊಳ್ಳಿ.\u003C\u002Fp\u003E\u003Cp\u003Eದೀರ್ಘಾವಧಿ ಸಂಪತ್ತು ಸೃಷ್ಟಿಸುವ ಉದ್ದೇಶ ಹೊಂದಿದ್ದಾಗ ಅಲ್ಪಾವಧಿ ಸಮಯದಲ್ಲಾಗುವ ಏರುಪೇರುಗಳು ಗೌಣ. ಇಲ್ಲಿ ಯೋಜಿತ ನಿರ್ಧಾರ ಹಾಗೂ ಸರಿಯಾದ ಫಂಡ್‌ಗಳ ಸಕಾಲಿಕ ಆಯ್ಕೆಯೇ ಎಲ್ಲದಕ್ಕಿಂತ ಮುಖ್ಯ. ಒಂದಷ್ಟು ಅಪಾಯ ನಿರ್ವಹಿಸುವ ಗುಣವೂ ಅಗತ್ಯ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ವಿದ್ಯಾರ್ಥಿಯಾಗಿದ್ದು, ದೀರ್ಘಾವಧಿ ಸಂಪತ್ತನ್ನು ಸೃಷ್ಟಿಸುವ ಗುರಿ ಹೊಂದಿದ್ದೇನೆ. ಸಣ್ಣ ಉಳಿತಾಯದೊಂದಿಗೆ ನಾನು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೇಗೆ ಹೂಡಿಕೆ ಹೇಗೆ ಪ್ರಾರಂಭಿಸಬಹುದು ಮತ್ತು ಕಡಿಮೆ ಅಪಾಯದೊಂದಿಗೆ ಸಮತೋಲಿತ ಬೆಳವಣಿಗೆ ಹೊಂದಲು ಯಾವ ರೀತಿಯ ಫಂಡ್‌ಗಳನ್ನು ಪರಿಗಣಿಸಬೇಕು?–\u003Cem\u003Eಕಿರಣ್ ನೇಮಗೌಡ, ಅಥಣಿ, ಬೆಳಗಾವಿ ಜಿಲ್ಲೆ.\u003C\u002Fem\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನೀವು ವಿದ್ಯಾರ್ಥಿ ಜೀವನದ ಹಂತದಲ್ಲೇ ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆ ಮಾಡಲು ಮನಸ್ಸು ಮಾಡಿರುವುದು ದೊಡ್ಡ ವಿಚಾರ. ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳ ಮೂಲ ಉದ್ದೇಶ ಹೂಡಿಕೆಯಲ್ಲಿ ಆಸಕ್ತಿ ಇರುವ ವರ್ಗದಿಂದ ಹಣ ಸಂಗ್ರಹಿಸಿ, ಅವರಿಗೆ ನಿರ್ದಿಷ್ಟ ಗುರಿಯ ಸೂಚ್ಯಂಕಕ್ಕಿಂತ ಅಥವಾ ಅದೇ ವರ್ಗದ ಇತರೆ ಫಂಡ್‌ಗಳ ಸರಾಸರಿ ಲಾಭಕ್ಕಿಂತ ತುಸು ಹೆಚ್ಚಿನ ಲಾಭ ಮಾಡಿ ಕೊಡುವುದಾಗಿದೆ. ಇದರಿಂದ ಫಂಡ್ ನಿರ್ವಹಿಸುವ ವ್ಯಕ್ತಿಗಳ ಕ್ಷಮತೆ ಅರಿವಿಗೆ ಬರುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಉದಾಹರಣೆಗೆ ನಿಫ್ಟಿ ಸೂಚ್ಯಂಕವನ್ನು ಮಾನದಂಡವಾಗಿ ಪರಿಗಣಿಸುವ ವಿವಿಧ ಇಂಡೆಕ್ಸ್ ಫಂಡ್‌ಗಳನ್ನು ಪರಿಗಣಿಸುವುದಾದರೆ ಮಾಸಿಕವಾಗಿ ಸೂಚ್ಯಂಕ ಶೇ 5ರಷ್ಟು  ಏರಿಕೆ ಕಂಡಾಗ ಅದಕ್ಕಿಂತ ಅಧಿಕ ಲಾಭ ಗಳಿಸಿಕೊಡುವ ಫಂಡ್ ಅಥವಾ ಕುಸಿಯುತ್ತಿರುವಾಗ ಅದೇ ಸೂಚ್ಯ೦ಕಕ್ಕಿಂತ ಕಡಿಮೆ ಕುಸಿತಕ್ಕೊಳಗಾಗುವಂತೆ ನಿರ್ವಹಿಸುವುದು ಫಂಡ್ ಮ್ಯಾನೇಜರ್‌ನ ನಿಪುಣತೆ ತೋರಿಸುತ್ತದೆ. ಹೂಡಿಕೆಯ ಆಯ್ಕೆಯಲ್ಲಿ ಈ ವಿಚಾರವನ್ನು ಗಮನದಲ್ಲಿ ಇರಲಿ. ಫಂಡ್‌ಗಳ ತುಲನೆಯನ್ನು ಇಂಡೆಕ್ಸ್ ಜೊತೆ ಸೂಕ್ಷ್ಮವಾಗಿ ಮಾಡಿ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಹೂಡಿಕೆ ಆರಂಭಿಸುವುದಿದ್ದರೆ, ಇಂಡೆಕ್ಸ್ ಸೂಚ್ಯಂಕ ಆಧಾರಿತ ಫಂಡ್‌ಗಳನ್ನು ಮೊದಲು ಆಯ್ಕೆ ಮಾಡಿ. ಇದು ನಿಮಗೆ ವಿವಿಧ ಸನ್ನಿವೇಶದಲ್ಲಿ ಮಾರುಕಟ್ಟೆ ಏರಿಳಿತಗಳ ಅನುಭವ ಮಾಡಿಕೊಡುತ್ತದೆ. ಅಲ್ಲದೆ, ಇಂಡೆಕ್ಸ್ ಫಂಡ್‌ಗಳು ಯಾವತ್ತೂ ಆಯ್ಕೆ ಮಾಡಿದ ಇಂಡೆಕ್ಸ್‌ನ ತೂಕಕ್ಕೆ ಸಮನಾಗಿ ಇರುವುದರಿಂದ ಅದರಂತೆಯೇ ವ್ಯವಹರಿಸುತ್ತದೆ. ಇವು ವಿಪರೀತ ಕುಸಿತ ಕಾಣುವ ಸನ್ನಿವೇಶಗಳು ತೀರಾ ವಿರಳ.\u003C\u002Fp\u003E\u003Cp\u003Eಕಳೆದ ಕೆಲವು ವರ್ಷದಿಂದ ಯಾವುದೇ ಇಂಡೆಕ್ಸ್ ಆಗಿರಲಿ, ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ನಿಧಾನವಾಗಿಯಾದರೂ ಏರುಗತಿಯನ್ನೇ ಕಂಡಿದೆ.  ಹೀಗಾಗಿ, ಮೊದಲ ಹಂತದ ಅನುಭವಕ್ಕೆ ಇಂಡೆಕ್ಸ್ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಉತ್ತಮವಾಗಿದೆ. ಕ್ರಮೇಣ ಉತ್ತಮ ಈಕ್ವಿಟಿ ಆಧಾರಿತ ಫಂಡ್‌ಗಳ ಬಗ್ಗೆ ಗಮನಹರಿಸಿ. ಅದಕ್ಕಾಗಿ ಹೆಚ್ಚಿನ ಮಾಹಿತಿ ಸಂಗ್ರಹಿಸಿ ಫಂಡ್‌ಗಳ ವಿಶೇಷತೆಯನ್ನು ಅರ್ಥೈಸಿಕೊಳ್ಳಿ.\u003C\u002Fp\u003E\u003Cp\u003Eದೀರ್ಘಾವಧಿ ಸಂಪತ್ತು ಸೃಷ್ಟಿಸುವ ಉದ್ದೇಶ ಹೊಂದಿದ್ದಾಗ ಅಲ್ಪಾವಧಿ ಸಮಯದಲ್ಲಾಗುವ ಏರುಪೇರುಗಳು ಗೌಣ. ಇಲ್ಲಿ ಯೋಜಿತ ನಿರ್ಧಾರ ಹಾಗೂ ಸರಿಯಾದ ಫಂಡ್‌ಗಳ ಸಕಾಲಿಕ ಆಯ್ಕೆಯೇ ಎಲ್ಲದಕ್ಕಿಂತ ಮುಖ್ಯ. ಒಂದಷ್ಟು ಅಪಾಯ ನಿರ್ವಹಿಸುವ ಗುಣವೂ ಅಗತ್ಯ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1729010513997,"content-version-id":"414a56dd-a975-49ea-bfa5-e270117a04f5","card-added-at":1728995424961,"status":"draft","id":"9932c5c6-64b7-4ffb-b485-585df833bfc2","content-id":"9932c5c6-64b7-4ffb-b485-585df833bfc2","version":11,"metadata":{"social-share":{"shareable":false,"title":"ಸರ್ಕಾರಿ ನೌಕರರು ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಇರುವ ನಿಯಮಗಳಿವು...","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-10-15\u002F3zn0w11r\u002Ffile6wljo3z1h9ge3r4r7vc.jpg","url":null,"attribution":null,"alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಪ್ರಾತಿನಿಧಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"width":1200,"height":675,"mime-type":"image\u002Fjpeg","file-size":113190,"file-name":"file6wljo3z1h9ge3r4r7vc.jpg","focus-point":[600,338]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fquestion-and-answer-the-rules-for-government-employees-to-invest-in-the-stock-market-are-3007249","story-version-id":"8adea5ca-b6b7-48f3-b944-fb12e4e28cb5","content-type":"story","content-updated-at":1729035359908,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1729035360000,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಪ್ರಾತಿನಿಧಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":11,"story-template":"syndicated","sequence-no":null,"created-at":1729010513833,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ ಸುದ್ದಿ"]},"imported-card-id":"9932c5c6-64b7-4ffb-b485-585df833bfc2","card-share":{"shareable":false}},"publish-at":1729035360000,"assignee-name":"syndication"}},{"id":"cde7486a-8d4a-43a1-a558-d18711d1c16d","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ: ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ"]},"story":{"updated-at":1728414335290,"seo":{"meta-description":"ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಮುಂತಾದ ಪ್ರಶ್ನೆಗಳಿಗೆ ತೆರಿಗೆ ಮತ್ತು ವೈಯಕ್ತಿಕ ಹಣಕಾಸು ತಜ್ಞ ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ ಉತ್ತರ ನೀಡಿದ್ದಾರೆ.","meta-keywords":["Financial advice"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5514883,"name":"Financial advice","meta-description":null,"meta-title":null,"slug":"financial-advice","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ","storyline-id":null,"votes":{},"story-content-id":"cde7486a-8d4a-43a1-a558-d18711d1c16d","slug":"business\u002Fprashnottara\u002Fprashnottara-expert-advice-for-financial-problems-2999540","last-published-at":1728430200000,"public-identifier":"2999540","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":3,"access-level-value":null,"content-created-at":1728395758195,"is-embargoed":false,"owner-name":"syndication","custom-slug":"Prashnottara expert advice for financial problems","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"mime-type":"image\u002Fpng","focus-point":[337,171],"width":700,"file-size":396514,"file-name":"invest-1104498-1651080216-1168295-1670134028-1210930-1681851479.png","height":394},"comments":null,"word-count":614,"story-features":null,"entities":{},"published-at":1728430200000,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7xit0eoi5mb1gtobe1la","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"cde7486a-8d4a-43a1-a558-d18711d1c16d","hero-image-s3-key":"prajavani\u002F2023-07\u002F75ff56ac-4bd8-447f-9589-52c623938f79\u002Finvest_1104498_1651080216_1168295_1670134028_1210930_1681851479.png","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002Fcde7486a-8d4a-43a1-a558-d18711d1c16d\u002Felement\u002F045827ca-97ce-4cfc-a230-7a1a6edf8831","type":"text","family-id":"d7b6cf41-368d-46ef-b43b-a092efdd1394","title":"","id":"045827ca-97ce-4cfc-a230-7a1a6edf8831","metadata":{"content":" ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಮುಂತಾದ ಪ್ರಶ್ನೆಗಳಿಗೆ ತೆರಿಗೆ ಮತ್ತು ವೈಯಕ್ತಿಕ ಹಣಕಾಸು ತಜ್ಞ ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ ಉತ್ತರ ನೀಡಿದ್ದಾರೆ."},"subtype":"blurb","text":"\u003Cblockquote\u003E ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಮುಂತಾದ ಪ್ರಶ್ನೆಗಳಿಗೆ ತೆರಿಗೆ ಮತ್ತು ವೈಯಕ್ತಿಕ ಹಣಕಾಸು ತಜ್ಞ ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ ಉತ್ತರ ನೀಡಿದ್ದಾರೆ.\u003C\u002Fblockquote\u003E"},{"description":"","page-url":"\u002Fstory\u002Fcde7486a-8d4a-43a1-a558-d18711d1c16d\u002Felement\u002Fc5ee6284-f3f8-4e0d-9f4a-7c2f81f3cda7","type":"text","family-id":"55cd13af-bf52-474f-bdcc-84dd942dcb1e","title":"","id":"c5ee6284-f3f8-4e0d-9f4a-7c2f81f3cda7","metadata":{"question":"\u003Cp\u003Eನಾನು ಪೊಲೀಸ್ ಇಲಾಖೆಯಲ್ಲಿ ಕೆಲಸ ಮಾಡುತ್ತಿದ್ದೇನೆ. ನನಗೆ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಆಸಕ್ತಿ ಇದ್ದು, ಹೇಗೆ ಹೂಡಿಕೆ ಮಾಡಬೇಕೆಂದು ತಿಳಿಸಿಕೊಡಿ.\u003C\u002Fp\u003E\u003Cp\u003E–ಕುಮಾರ್ ಎಚ್.ಎಸ್, ಊರು ತಿಳಿಸಿಲ್ಲ.\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನಿಮ್ಮ ಪ್ರಶ್ನೆ ಸಹಜವಾದದ್ದು ಹಾಗೂ ಮೂಲಭೂತವಾಗಿ ನಿಮ್ಮ ಹೂಡಿಕೆಯ ಮೊತ್ತವನ್ನು ಕಾಲಾನುಕ್ರಮದಲ್ಲಿ ವರ್ಧಿಸುವಂತೆ ಮಾಡುವುದು ಉದ್ದೇಶವಾಗಿದೆ ಎನ್ನುವುದು ಎಲ್ಲ ಹೂಡಿಕೆಗಳ ಮೂಲ ಆಶಯ. ಹೀಗಾಗಿ, ಈ ಅಂಕಣದ ಹಿಂದಿನ ಹಾಗೂ ಮುಂದಿನ ಸಂಚಿಕೆಗಳನ್ನು ಅವಕಾಶವಿದ್ದಾಗ ಓದುವಂತೆ ಉತ್ತಮ. ಇದಲ್ಲದೆ, ನಿಮ್ಮ ಪ್ರಶ್ನೆಗೆ ಸಂಬಂಧಿಸಿ, ಮೊದಲ ಹಂತದಿಂದಲೇ ಅಗತ್ಯ ಮಾಹಿತಿ ನೀಡುವುದಕ್ಕೋಸ್ಕರ ಈ ಕೆಳಗಿನ ಸಾಮಾನ್ಯ ಮಾಹಿತಿಗಳನ್ನು ಗಮನಿಸಿ ಹೂಡಿಕೆ ಆರಂಭಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003E* ಮೊದಲ ಹಂತದಲ್ಲಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಹೌಸ್‌ಗಳ ಮಾಹಿತಿ ಪಡೆದುಕೊಳ್ಳಿ. ಅನೇಕ ವರ್ಷಗಳ ವಿಶ್ವಾಸಾರ್ಹತೆ ಇರುವ ಹಾಗೂ ಹೂಡಿಕೆದಾರರ ದೊಡ್ಡ ಮೊತ್ತದ ಆಸ್ತಿ ಮೊತ್ತ ನಿರ್ವಹಿಸುವ ಫಂಡ್‌ಗಳಿಗೆ ಮೊದಲ ಆದ್ಯತೆ ಇರಲಿ. ಅದರಲ್ಲಿ ನಿಮ್ಮ ಹೂಡಿಕೆಯನ್ನು ಏಕ ಕಂತುಗಳಲ್ಲಿ ಮಾರುಕಟ್ಟೆ ಕೆಳ ಹಂತದಲ್ಲಿದ್ದಾಗ ಅಂದರೆ ಬಿಎಸ್‌ಸಿ ಅಥವಾ ಎನ್‌ಎಸ್‌ಸಿ ಮುಖ್ಯ ಸೂಚ್ಯಂಕಗಳು ಸತತ ಶೇ 5 ಅಥವಾ ಶೇ 10ರ ಕೆಳ ಮಟ್ಟದಲ್ಲಿ ವಹಿವಾಟು ನಡೆಸುತ್ತಿದ್ದರೆ ಆ ಸಮಯ ನಿಧಾನವಾಗಿ ಹೂಡಿಕೆಗೆ ಅನುವಾಗಿ. ಮಾಸಿಕ ಕಂತುಗಳಲ್ಲೂ ಹೂಡಿಕೆಗೆ ಅವಕಾಶ ಇರುವುದನ್ನೇ ಹೆಚ್ಚಾಗಿ ಆಯ್ಕೆ ಮಾಡಿ.  \u003C\u002Fp\u003E\u003Cp\u003E* ಅಗತ್ಯವಾಗಿ ನಿಮ್ಮ ಕೆವೈಸಿ ದಾಖಲೆ ಬ್ಯಾಂಕ್ ಖಾತೆ ಮಾಹಿತಿ, ನಾಮಿನಿ ಮಾಹಿತಿ ಭರಿಸಿ ಆನ್‌ಲೈನ್ ಮೂಲಕವೂ ಖಾತೆ ತೆರೆಯಬಹುದು.  \u003C\u002Fp\u003E\u003Cp\u003E* ನಿಮ್ಮ ಹೂಡಿಕೆಯ ಕಾಲ ಮಿತಿ, ಉದ್ದೇಶ, ನೀವು ನಿರೀಕ್ಷಿಸುವ ಲಾಭ, ಮುಂದಿನ ದಿನಗಳಲ್ಲಿ ನಿಮ್ಮಲ್ಲಿ ಹೆಚ್ಚುವರಿ ಹೂಡಿಕೆಗೆ ಇರುವ ಹಣ, ಪ್ರತಿಕೂಲ ಸ್ಥಿತಿಗಳಲ್ಲಿ ನಿಮ್ಮ ಹೂಡಿಕೆ ಕೆಲವೊಮ್ಮೆ ಒಂದು ವರ್ಷಕ್ಕಿಂತ ದೀರ್ಘ ಅವಧಿ ಮಾರುಕಟ್ಟೆ ಚೇತರಿಸದಿದ್ದರೆ ಆ ಸಂದರ್ಭವನ್ನು ನಿಭಾಯಿಸುವ ಬಗ್ಗೆ ಪೂರ್ವ ಯೋಜನೆ ಸಿದ್ಧಪಡಿಸಿ.  \u003C\u002Fp\u003E\u003Cp\u003E* ನಿಮ್ಮ ಹೂಡಿಕೆಯು ಏಕ ಕಂತಿನಲ್ಲಿ ಮಾಡುವುದಿದ್ದರೆ ಹಾಗೂ 5 ವರ್ಷಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ಅವಧಿಗಾಗಿದ್ದರೆ ಈಕ್ವಿಟಿ ಹೂಡಿಕೆಗಳು ಉತ್ತಮ. ಮೂರರಿಂದ ಐದು  ವರ್ಷದ ಅವಧಿಗೆ ಈಕ್ವಿಟಿ ಫಂಡ್‌ಗಳು ಉತ್ತಮ. ಇವಲ್ಲದೆ ಒಂದು ನಿರ್ದಿಷ್ಟ ಕ್ಷೇತ್ರಕ್ಕೆ ಸಂಬಂಧಿಸಿದ ಹೂಡಿಕೆಗೆಗಳನ್ನು (ಉದಾ: ಬ್ಯಾಂಕಿಂಗ್, ಪಿಎಸ್‌ಯು, ಎನರ್ಜಿ, ಡಿವಿಡೆಂಡ್, ಟೆಕ್ನಾಲಜಿ, ಗೋಲ್ಡ್ ಫಂಡ್ ಇತ್ಯಾದಿ) ಕೂಡಾ ಆರಿಸಬಹುದು. ಆದರೆ ಇವೆಲ್ಲಾ ಈಕ್ವಿಟಿ ಫಂಡ್ ಆಗಿದ್ದು, ಆಯಾ ಕಾಲಕ್ಕೆ ತಕ್ಕಂತೆ ಆಗುವ ಆಯಾ ಕ್ಷೇತ್ರದ ಏರಿಳಿತಕ್ಕೆ ಸಂಬಂಧಿಸಿ ಲಾಭ-ನಷ್ಟ ನಿರ್ಣಯವಾಗುತ್ತದೆ. ನಿಮ್ಮ ಹೂಡಿಕೆ ಒಂದೆರಡು ವರ್ಷದ ಮಟ್ಟಿಗಾಗಿದ್ದರೆ ಈಕ್ವಿಟಿ ಸೇವಿಂಗ್ಸ್ ಫಂಡ್ ಅಥವಾ ಹೈಬ್ರಿಡ್ ಡೈನಮಿಕ್ ಫಂಡ್ ಉತ್ತಮ ಆಯ್ಕೆಯಾಗಬಹುದು. ಕಾರಣ ಈ ಫಂಡ್‌ನಲ್ಲಿ ಈಕ್ವಿಟಿ, ಡೆಬ್ಟ್ ಪ್ರಮಾಣವನ್ನು ಮಾರುಕಟ್ಟೆ ಸ್ಥಿತಿಗೆ ಅನುಗುಣವಾಗಿ ಬದಲಾಯಿಸಲಾಗುತ್ತದೆ.  \u003Cbr\u003E \u003Cbr\u003E* ವಿವಿಧ ವರ್ಗದ ಹೂಡಿಕೆಗಳಿಗೆ ವಿವಿಧ ತೆರಿಗೆ ದರ ಇದೆ. ಇದು ಹೂಡಿಕೆಯ ಅವಧಿಗೆ ಹೊಂದಿಕೊಂಡು ಬದಲಾಗುತ್ತದೆ. ಇನ್ನೂ ಮುಖ್ಯವಾಗಿ, ನೀವು ಅಗತ್ಯವಾಗಿ ಇನ್ನೂ ಹೆಚ್ಚಿನ ಮಾಹಿತಿಯನ್ನು ಓದಿ ತಿಳಿದು ಹೂಡಿಕೆಗೆ ಅನುವಾಗಿ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಪೊಲೀಸ್ ಇಲಾಖೆಯಲ್ಲಿ ಕೆಲಸ ಮಾಡುತ್ತಿದ್ದೇನೆ. ನನಗೆ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಆಸಕ್ತಿ ಇದ್ದು, ಹೇಗೆ ಹೂಡಿಕೆ ಮಾಡಬೇಕೆಂದು ತಿಳಿಸಿಕೊಡಿ.\u003C\u002Fp\u003E\u003Cp\u003E–ಕುಮಾರ್ ಎಚ್.ಎಸ್, ಊರು ತಿಳಿಸಿಲ್ಲ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನಿಮ್ಮ ಪ್ರಶ್ನೆ ಸಹಜವಾದದ್ದು ಹಾಗೂ ಮೂಲಭೂತವಾಗಿ ನಿಮ್ಮ ಹೂಡಿಕೆಯ ಮೊತ್ತವನ್ನು ಕಾಲಾನುಕ್ರಮದಲ್ಲಿ ವರ್ಧಿಸುವಂತೆ ಮಾಡುವುದು ಉದ್ದೇಶವಾಗಿದೆ ಎನ್ನುವುದು ಎಲ್ಲ ಹೂಡಿಕೆಗಳ ಮೂಲ ಆಶಯ. ಹೀಗಾಗಿ, ಈ ಅಂಕಣದ ಹಿಂದಿನ ಹಾಗೂ ಮುಂದಿನ ಸಂಚಿಕೆಗಳನ್ನು ಅವಕಾಶವಿದ್ದಾಗ ಓದುವಂತೆ ಉತ್ತಮ. ಇದಲ್ಲದೆ, ನಿಮ್ಮ ಪ್ರಶ್ನೆಗೆ ಸಂಬಂಧಿಸಿ, ಮೊದಲ ಹಂತದಿಂದಲೇ ಅಗತ್ಯ ಮಾಹಿತಿ ನೀಡುವುದಕ್ಕೋಸ್ಕರ ಈ ಕೆಳಗಿನ ಸಾಮಾನ್ಯ ಮಾಹಿತಿಗಳನ್ನು ಗಮನಿಸಿ ಹೂಡಿಕೆ ಆರಂಭಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003E* ಮೊದಲ ಹಂತದಲ್ಲಿ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಹೌಸ್‌ಗಳ ಮಾಹಿತಿ ಪಡೆದುಕೊಳ್ಳಿ. ಅನೇಕ ವರ್ಷಗಳ ವಿಶ್ವಾಸಾರ್ಹತೆ ಇರುವ ಹಾಗೂ ಹೂಡಿಕೆದಾರರ ದೊಡ್ಡ ಮೊತ್ತದ ಆಸ್ತಿ ಮೊತ್ತ ನಿರ್ವಹಿಸುವ ಫಂಡ್‌ಗಳಿಗೆ ಮೊದಲ ಆದ್ಯತೆ ಇರಲಿ. ಅದರಲ್ಲಿ ನಿಮ್ಮ ಹೂಡಿಕೆಯನ್ನು ಏಕ ಕಂತುಗಳಲ್ಲಿ ಮಾರುಕಟ್ಟೆ ಕೆಳ ಹಂತದಲ್ಲಿದ್ದಾಗ ಅಂದರೆ ಬಿಎಸ್‌ಸಿ ಅಥವಾ ಎನ್‌ಎಸ್‌ಸಿ ಮುಖ್ಯ ಸೂಚ್ಯಂಕಗಳು ಸತತ ಶೇ 5 ಅಥವಾ ಶೇ 10ರ ಕೆಳ ಮಟ್ಟದಲ್ಲಿ ವಹಿವಾಟು ನಡೆಸುತ್ತಿದ್ದರೆ ಆ ಸಮಯ ನಿಧಾನವಾಗಿ ಹೂಡಿಕೆಗೆ ಅನುವಾಗಿ. ಮಾಸಿಕ ಕಂತುಗಳಲ್ಲೂ ಹೂಡಿಕೆಗೆ ಅವಕಾಶ ಇರುವುದನ್ನೇ ಹೆಚ್ಚಾಗಿ ಆಯ್ಕೆ ಮಾಡಿ.  \u003C\u002Fp\u003E\u003Cp\u003E* ಅಗತ್ಯವಾಗಿ ನಿಮ್ಮ ಕೆವೈಸಿ ದಾಖಲೆ ಬ್ಯಾಂಕ್ ಖಾತೆ ಮಾಹಿತಿ, ನಾಮಿನಿ ಮಾಹಿತಿ ಭರಿಸಿ ಆನ್‌ಲೈನ್ ಮೂಲಕವೂ ಖಾತೆ ತೆರೆಯಬಹುದು.  \u003C\u002Fp\u003E\u003Cp\u003E* ನಿಮ್ಮ ಹೂಡಿಕೆಯ ಕಾಲ ಮಿತಿ, ಉದ್ದೇಶ, ನೀವು ನಿರೀಕ್ಷಿಸುವ ಲಾಭ, ಮುಂದಿನ ದಿನಗಳಲ್ಲಿ ನಿಮ್ಮಲ್ಲಿ ಹೆಚ್ಚುವರಿ ಹೂಡಿಕೆಗೆ ಇರುವ ಹಣ, ಪ್ರತಿಕೂಲ ಸ್ಥಿತಿಗಳಲ್ಲಿ ನಿಮ್ಮ ಹೂಡಿಕೆ ಕೆಲವೊಮ್ಮೆ ಒಂದು ವರ್ಷಕ್ಕಿಂತ ದೀರ್ಘ ಅವಧಿ ಮಾರುಕಟ್ಟೆ ಚೇತರಿಸದಿದ್ದರೆ ಆ ಸಂದರ್ಭವನ್ನು ನಿಭಾಯಿಸುವ ಬಗ್ಗೆ ಪೂರ್ವ ಯೋಜನೆ ಸಿದ್ಧಪಡಿಸಿ.  \u003C\u002Fp\u003E\u003Cp\u003E* ನಿಮ್ಮ ಹೂಡಿಕೆಯು ಏಕ ಕಂತಿನಲ್ಲಿ ಮಾಡುವುದಿದ್ದರೆ ಹಾಗೂ 5 ವರ್ಷಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ಅವಧಿಗಾಗಿದ್ದರೆ ಈಕ್ವಿಟಿ ಹೂಡಿಕೆಗಳು ಉತ್ತಮ. ಮೂರರಿಂದ ಐದು  ವರ್ಷದ ಅವಧಿಗೆ ಈಕ್ವಿಟಿ ಫಂಡ್‌ಗಳು ಉತ್ತಮ. ಇವಲ್ಲದೆ ಒಂದು ನಿರ್ದಿಷ್ಟ ಕ್ಷೇತ್ರಕ್ಕೆ ಸಂಬಂಧಿಸಿದ ಹೂಡಿಕೆಗೆಗಳನ್ನು (ಉದಾ: ಬ್ಯಾಂಕಿಂಗ್, ಪಿಎಸ್‌ಯು, ಎನರ್ಜಿ, ಡಿವಿಡೆಂಡ್, ಟೆಕ್ನಾಲಜಿ, ಗೋಲ್ಡ್ ಫಂಡ್ ಇತ್ಯಾದಿ) ಕೂಡಾ ಆರಿಸಬಹುದು. ಆದರೆ ಇವೆಲ್ಲಾ ಈಕ್ವಿಟಿ ಫಂಡ್ ಆಗಿದ್ದು, ಆಯಾ ಕಾಲಕ್ಕೆ ತಕ್ಕಂತೆ ಆಗುವ ಆಯಾ ಕ್ಷೇತ್ರದ ಏರಿಳಿತಕ್ಕೆ ಸಂಬಂಧಿಸಿ ಲಾಭ-ನಷ್ಟ ನಿರ್ಣಯವಾಗುತ್ತದೆ. ನಿಮ್ಮ ಹೂಡಿಕೆ ಒಂದೆರಡು ವರ್ಷದ ಮಟ್ಟಿಗಾಗಿದ್ದರೆ ಈಕ್ವಿಟಿ ಸೇವಿಂಗ್ಸ್ ಫಂಡ್ ಅಥವಾ ಹೈಬ್ರಿಡ್ ಡೈನಮಿಕ್ ಫಂಡ್ ಉತ್ತಮ ಆಯ್ಕೆಯಾಗಬಹುದು. ಕಾರಣ ಈ ಫಂಡ್‌ನಲ್ಲಿ ಈಕ್ವಿಟಿ, ಡೆಬ್ಟ್ ಪ್ರಮಾಣವನ್ನು ಮಾರುಕಟ್ಟೆ ಸ್ಥಿತಿಗೆ ಅನುಗುಣವಾಗಿ ಬದಲಾಯಿಸಲಾಗುತ್ತದೆ.  \u003Cbr\u003E \u003Cbr\u003E* ವಿವಿಧ ವರ್ಗದ ಹೂಡಿಕೆಗಳಿಗೆ ವಿವಿಧ ತೆರಿಗೆ ದರ ಇದೆ. ಇದು ಹೂಡಿಕೆಯ ಅವಧಿಗೆ ಹೊಂದಿಕೊಂಡು ಬದಲಾಗುತ್ತದೆ. ಇನ್ನೂ ಮುಖ್ಯವಾಗಿ, ನೀವು ಅಗತ್ಯವಾಗಿ ಇನ್ನೂ ಹೆಚ್ಚಿನ ಮಾಹಿತಿಯನ್ನು ಓದಿ ತಿಳಿದು ಹೂಡಿಕೆಗೆ ಅನುವಾಗಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002Fcde7486a-8d4a-43a1-a558-d18711d1c16d\u002Felement\u002F8b685aab-6333-493c-bc7f-3a98b57d3fc0","type":"text","family-id":"60d48925-0f49-4344-9b91-63773e1d09e5","title":"","id":"8b685aab-6333-493c-bc7f-3a98b57d3fc0","metadata":{"question":"\u003Cp\u003Eನನ್ನ ಮಗ ಕಳೆದ ಒಂದೆರಡು ವರ್ಷ ಹಿಂದೆ ಓದು ಮುಗಿಸಿ ಖಾಸಗಿ ಕಂಪನಿಯಲ್ಲಿ ವೃತ್ತಿಯಲ್ಲಿದ್ದಾನೆ. ಓದಿದ್ದು ಎಂ.ಕಾಂ. ಆತನ ಪ್ರಸ್ತುತ ಮಾಸಿಕ ವೇತನ ₹40 ಸಾವಿರದ ಅಂದಾಜು. ಇದಲ್ಲದೆ, ಪಿಎಫ್, ಕಂಪನಿ ಉದ್ಯೋಗಿಗಳ ವೈದ್ಯಕೀಯ ವಿಮಾ ಇತ್ಯಾದಿ ಸೌಲಭ್ಯ ಇದೆ. ಆತ ಕಳೆದ ಕೆಲವು ತಿಂಗಳಿಂದ ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಟ್ರೇಡಿಂಗ್ ಮಾಡುತ್ತಿದ್ದು, ಲಾಭ - ನಷ್ಟ ಎರಡೂ ಕಂಡಿದ್ದಾನೆ. ಒಟ್ಟಾರೆ ₹2-3 ಲಕ್ಷಗಳ ಹೂಡಿಕೆ ಇದೆ. ಆತನ ಕೆಲವು ತಿಂಗಳ ವೇತನ- ಉಳಿತಾಯ ಇದರಲ್ಲಿ ಬಳಕೆಯಾಗಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಾನು ನಿವೃತ್ತ ಶಿಕ್ಷಕಿಯಾಗಿರುವುದರಿಂದ ನನಗೆ ಮಾಸಿಕ ಪೆನ್ಶನ್ ಸುಮಾರು ₹25 ಸಾವಿರ ಸಿಗುತ್ತಿದೆ. ಈ ಮೊತ್ತವನ್ನೂ ಹೂಡಿಕೆ ಮಾಡುವ ಬಗ್ಗೆ ನನ್ನಲ್ಲಿ ಕೇಳಿರುತ್ತಾನೆ. ಆದರೆ, ಈ ಬಗ್ಗೆ ಹೆಚ್ಚೇನೂ ಮಾಹಿತಿ ನನಗಿಲ್ಲದ ಕಾರಣ ಈ ಬಗ್ಗೆ ನಿರ್ಧಾರ ಹೇಗೆ ಕೈಗೊಳ್ಳಬೇಕು ಎಂಬ ಬಗ್ಗೆ ಸ್ಥೂಲ ಮಾಹಿತಿ ಬೇಕಾಗಿದೆ. ಸ್ವತಃ ಆತನ ಹೂಡಿಕೆ ಊಹಿಸಿದಂತೆ ಲಾಭ ತಂದಿಲ್ಲ ಎಂಬುದನ್ನು ಆತನೇ ಖಚಿತಪಡಿಸಿದ್ದಾನೆ. ಈ ಸಂದಿಗ್ಧ ಸ್ಥಿತಿಯಲ್ಲಿ ಆತ ಯಾವ ರೀತಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು ಎಂಬುದರ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ. ಅದೇ ರೀತಿ ನನ್ನ ದುಡ್ಡು ಆತ ಹೇಗೆ ಬಳಸಿಕೊಳ್ಳಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003E–ಹೇಮಲತಾ, ಶಿವಮೊಗ್ಗ\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನಿಮ್ಮ ಪ್ರಶ್ನೆಯಲ್ಲಿ ಹೇಳಿರುವ ಸಮಸ್ಯೆಯಿಂದ ತಿಳಿಯುವುದೇನೆಂದರೆ, ಅವಕಾಶ ಹಾಗೂ ಅಭದ್ರತೆ ಎರಡೂ ಒಳಗೊಂಡಿದೆ. ಯಾವತ್ತೂ ಉತ್ತಮ ಹೂಡಿಕೆಗೆ ಉತ್ತಮ ಲಾಭ ಬರುವ ಅವಕಾಶ ಇದ್ದೇ ಇದೆ. ಅದೇ ರೀತಿ ಅದನ್ನು ಸಮರ್ಥವಾಗಿ ನಿಭಾಯಿಸುವ ಚಾಕಚಕ್ಯತೆ, ಅದಕ್ಕೆ ಅಗತ್ಯ ಬೀಳುವಷ್ಟು ಸಮಯ ಎರಡನ್ನೂ ನೀಡಬೇಕಾಗುತ್ತದೆ. ಅದಿದ್ದಾಗಲೇ ಹೂಡಿಕೆ ಸರಿಯಾಗುವುದು.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಮಗನ ವಿಚಾರದಲ್ಲಿ ಅಗತ್ಯವಾಗಿ ಪೋರ್ಟ್ ಫೋಲಿಯೊ ಮರು ಪರಿಶೀಲನೆ ಅಗತ್ಯವಿರಬಹುದು. ಇದಕ್ಕಾಗಿ ನುರಿತ ಹೂಡಿಕೆ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸಲಿ. ಇದಕ್ಕೂ ಮೊದಲು, ಯಾವತ್ತೂ ಹೂಡಿಕೆಗೂ ಮೊದಲು ಯದ್ವಾತದ್ವಾ ಮಾರುಕಟ್ಟೆ ದರ ಕಡಿಮೆ ಇರುವ ಷೇರುಗಳಾಗಿರಲಿ, ಯಾವುದೋ ಮಾಹಿತಿ ನೋಡಿ ಹೂಡಿಕೆ ಮಾಡುವ ಅಭ್ಯಾಸ ಬದಲಾಯಿಸಬೇಕಾಗಬಹುದು. ಅಪಾಯಕಾರಿ ಮಾರುಕಟ್ಟೆ ಪರಿಸ್ಥಿತಿಯಲ್ಲೂ ಎಷ್ಟೇ ಉತ್ತಮ ಕಂಪನಿಯ ಷೇರುಗಳಾದರೂ ಒಂದಷ್ಟು ನಷ್ಟ ಕಂಡುಕೊಳ್ಳುತ್ತವೆ. ಇದಲ್ಲದೆ, ಆಯಾ ಕಂಪನಿ ಹಾಗೂ ವಲಯವಾರು ವರದಿಗಳೂ ಒಟ್ಟಾರೆ ಹೂಡಿಕೆಯ ಮೇಲೆ ಪರಿಣಾಮ ಬೀರುತ್ತವೆ. \u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಮಗ ಹೇಗಿದ್ದರೂ ಆರ್ಥಿಕ ಕ್ಷೇತ್ರದಲ್ಲಿ ಅನುಭವ ಹಾಗೂ ವಿದ್ಯಾಭ್ಯಾಸ ಹೊಂದಿರುವ ಕಾರಣ ಅವರ ಆ ಕ್ಷೇತ್ರದ ಅನುಭವ ಕೇವಲ ಕಂಪನಿಯ ಕೆಲಸಕ್ಕಲ್ಲದೆ ಸ್ವಂತ ಹೂಡಿಕೆಗೂ ಬಳಸಿಕೊಳ್ಳಲಿ. ಕೇವಲ ಹೂಡಿಕೆಗಿಂತ ಯಾವ ಕಂಪನಿಗಳಲ್ಲಿ ಹಾಗೂ ಯಾವ ಕ್ಷೇತ್ರದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬೇಕೆನ್ನುವ ಆಯ್ಕೆ ಮೊದಲ ಹಂತದ್ದು, ಅದನ್ನು ಪ್ರತಿ ತ್ರೈಮಾಸಿಕ ಫಲಿತಾಂಶದೊಡನೆ ಪರಾಮರ್ಶಿಸಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಎರಡನೆಯ ಹಂತ, ಪ್ರತಿ ಬಾರಿ ಯಾವ ಹಂತದಲ್ಲಿ ಲಾಭ ಗಳಿಸಿ ಹೊರ ಬರಬೇಕು ಅಥವಾ ನಷ್ಟ ಆಗುತ್ತಿರುವ ಸಮಯ ಯಾವ ಹಂತದಲ್ಲಿ ಹೊರ ಬರಬೇಕೆನ್ನುವ ಪೂರ್ವ ನಿರ್ಧರಿತ ಮಾಹಿತಿ ಇರಬೇಕು.\u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನು ನಿಮ್ಮ ಹಣವನ್ನು ವ್ಯವಸ್ಥಿತ ಮಾಸಿಕ ಹೂಡಿಕೆಗೆ ಸೀಮಿತಗೊಳಿಸಿ. ಮೊದಲ ಆಯ್ಕೆ ಮ್ಯೂಚುವಲ್ ಫಂಡ್, ಇದು ಬೇಡವೆಂದಾದರೆ, ಷೇರುಗಳ ಎಸ್‌ಐಪಿ. ಇದರಿಂದ ಒಂದೇ ಬಾರಿ ಹೂಡಿಕೆ ಮಾಡಿ ನಷ್ಟ ಮಾಡಿಕೊಳ್ಳುವ ಅಪಾಯ ಕಡಿಮೆ ಇರುತ್ತದೆ. ಈ ವಿಚಾರವನ್ನು ಹಂತ ಹಂತದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಮೂಲಕ ನಿಭಾಯಿಸಿ. ಉತ್ತಮ ಕಂಪನಿಗಳ ಹುಡುಕಾಟ ಹಾಗೂ ಹೂಡಿಕೆಯ ನಂತರ ನಿಗಾ ಇರಿಸಿ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳುವುದು ನಮ್ಮ \u003Cstrong\u003E\u002F\u002Fಗೈಮೆಯ\u002F\u002F\u003C\u002Fstrong\u003E ಬಂಡವಾಳ ನಷ್ಟವಾಗದಂತೆ ನೆರವಾಗುತ್ತದೆ ಹಾಗೂ ಮುಂದೆ ಸಂಪತ್ತು ಸೃಷ್ಟಿಸಲು ಇದೇ ಮೂಲ ಬಂಡವಾಳ. ಇದಕ್ಕೆ ದೀರ್ಘ ಕಾಲದ ಹೂಡಿಕೆ ನಿರಂತರತೆ ಹಾಗೂ  ನಿರ್ಧಾರಗಳಲ್ಲಿ ಸ್ಥಿರತೆಯೂ ಅಗತ್ಯ.         \u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನನ್ನ ಮಗ ಕಳೆದ ಒಂದೆರಡು ವರ್ಷ ಹಿಂದೆ ಓದು ಮುಗಿಸಿ ಖಾಸಗಿ ಕಂಪನಿಯಲ್ಲಿ ವೃತ್ತಿಯಲ್ಲಿದ್ದಾನೆ. ಓದಿದ್ದು ಎಂ.ಕಾಂ. ಆತನ ಪ್ರಸ್ತುತ ಮಾಸಿಕ ವೇತನ ₹40 ಸಾವಿರದ ಅಂದಾಜು. ಇದಲ್ಲದೆ, ಪಿಎಫ್, ಕಂಪನಿ ಉದ್ಯೋಗಿಗಳ ವೈದ್ಯಕೀಯ ವಿಮಾ ಇತ್ಯಾದಿ ಸೌಲಭ್ಯ ಇದೆ. ಆತ ಕಳೆದ ಕೆಲವು ತಿಂಗಳಿಂದ ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಟ್ರೇಡಿಂಗ್ ಮಾಡುತ್ತಿದ್ದು, ಲಾಭ - ನಷ್ಟ ಎರಡೂ ಕಂಡಿದ್ದಾನೆ. ಒಟ್ಟಾರೆ ₹2-3 ಲಕ್ಷಗಳ ಹೂಡಿಕೆ ಇದೆ. ಆತನ ಕೆಲವು ತಿಂಗಳ ವೇತನ- ಉಳಿತಾಯ ಇದರಲ್ಲಿ ಬಳಕೆಯಾಗಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಾನು ನಿವೃತ್ತ ಶಿಕ್ಷಕಿಯಾಗಿರುವುದರಿಂದ ನನಗೆ ಮಾಸಿಕ ಪೆನ್ಶನ್ ಸುಮಾರು ₹25 ಸಾವಿರ ಸಿಗುತ್ತಿದೆ. ಈ ಮೊತ್ತವನ್ನೂ ಹೂಡಿಕೆ ಮಾಡುವ ಬಗ್ಗೆ ನನ್ನಲ್ಲಿ ಕೇಳಿರುತ್ತಾನೆ. ಆದರೆ, ಈ ಬಗ್ಗೆ ಹೆಚ್ಚೇನೂ ಮಾಹಿತಿ ನನಗಿಲ್ಲದ ಕಾರಣ ಈ ಬಗ್ಗೆ ನಿರ್ಧಾರ ಹೇಗೆ ಕೈಗೊಳ್ಳಬೇಕು ಎಂಬ ಬಗ್ಗೆ ಸ್ಥೂಲ ಮಾಹಿತಿ ಬೇಕಾಗಿದೆ. ಸ್ವತಃ ಆತನ ಹೂಡಿಕೆ ಊಹಿಸಿದಂತೆ ಲಾಭ ತಂದಿಲ್ಲ ಎಂಬುದನ್ನು ಆತನೇ ಖಚಿತಪಡಿಸಿದ್ದಾನೆ. ಈ ಸಂದಿಗ್ಧ ಸ್ಥಿತಿಯಲ್ಲಿ ಆತ ಯಾವ ರೀತಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದು ಎಂಬುದರ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ. ಅದೇ ರೀತಿ ನನ್ನ ದುಡ್ಡು ಆತ ಹೇಗೆ ಬಳಸಿಕೊಳ್ಳಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003E–ಹೇಮಲತಾ, ಶಿವಮೊಗ್ಗ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನಿಮ್ಮ ಪ್ರಶ್ನೆಯಲ್ಲಿ ಹೇಳಿರುವ ಸಮಸ್ಯೆಯಿಂದ ತಿಳಿಯುವುದೇನೆಂದರೆ, ಅವಕಾಶ ಹಾಗೂ ಅಭದ್ರತೆ ಎರಡೂ ಒಳಗೊಂಡಿದೆ. ಯಾವತ್ತೂ ಉತ್ತಮ ಹೂಡಿಕೆಗೆ ಉತ್ತಮ ಲಾಭ ಬರುವ ಅವಕಾಶ ಇದ್ದೇ ಇದೆ. ಅದೇ ರೀತಿ ಅದನ್ನು ಸಮರ್ಥವಾಗಿ ನಿಭಾಯಿಸುವ ಚಾಕಚಕ್ಯತೆ, ಅದಕ್ಕೆ ಅಗತ್ಯ ಬೀಳುವಷ್ಟು ಸಮಯ ಎರಡನ್ನೂ ನೀಡಬೇಕಾಗುತ್ತದೆ. ಅದಿದ್ದಾಗಲೇ ಹೂಡಿಕೆ ಸರಿಯಾಗುವುದು.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಮಗನ ವಿಚಾರದಲ್ಲಿ ಅಗತ್ಯವಾಗಿ ಪೋರ್ಟ್ ಫೋಲಿಯೊ ಮರು ಪರಿಶೀಲನೆ ಅಗತ್ಯವಿರಬಹುದು. ಇದಕ್ಕಾಗಿ ನುರಿತ ಹೂಡಿಕೆ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸಲಿ. ಇದಕ್ಕೂ ಮೊದಲು, ಯಾವತ್ತೂ ಹೂಡಿಕೆಗೂ ಮೊದಲು ಯದ್ವಾತದ್ವಾ ಮಾರುಕಟ್ಟೆ ದರ ಕಡಿಮೆ ಇರುವ ಷೇರುಗಳಾಗಿರಲಿ, ಯಾವುದೋ ಮಾಹಿತಿ ನೋಡಿ ಹೂಡಿಕೆ ಮಾಡುವ ಅಭ್ಯಾಸ ಬದಲಾಯಿಸಬೇಕಾಗಬಹುದು. ಅಪಾಯಕಾರಿ ಮಾರುಕಟ್ಟೆ ಪರಿಸ್ಥಿತಿಯಲ್ಲೂ ಎಷ್ಟೇ ಉತ್ತಮ ಕಂಪನಿಯ ಷೇರುಗಳಾದರೂ ಒಂದಷ್ಟು ನಷ್ಟ ಕಂಡುಕೊಳ್ಳುತ್ತವೆ. ಇದಲ್ಲದೆ, ಆಯಾ ಕಂಪನಿ ಹಾಗೂ ವಲಯವಾರು ವರದಿಗಳೂ ಒಟ್ಟಾರೆ ಹೂಡಿಕೆಯ ಮೇಲೆ ಪರಿಣಾಮ ಬೀರುತ್ತವೆ. \u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಮಗ ಹೇಗಿದ್ದರೂ ಆರ್ಥಿಕ ಕ್ಷೇತ್ರದಲ್ಲಿ ಅನುಭವ ಹಾಗೂ ವಿದ್ಯಾಭ್ಯಾಸ ಹೊಂದಿರುವ ಕಾರಣ ಅವರ ಆ ಕ್ಷೇತ್ರದ ಅನುಭವ ಕೇವಲ ಕಂಪನಿಯ ಕೆಲಸಕ್ಕಲ್ಲದೆ ಸ್ವಂತ ಹೂಡಿಕೆಗೂ ಬಳಸಿಕೊಳ್ಳಲಿ. ಕೇವಲ ಹೂಡಿಕೆಗಿಂತ ಯಾವ ಕಂಪನಿಗಳಲ್ಲಿ ಹಾಗೂ ಯಾವ ಕ್ಷೇತ್ರದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬೇಕೆನ್ನುವ ಆಯ್ಕೆ ಮೊದಲ ಹಂತದ್ದು, ಅದನ್ನು ಪ್ರತಿ ತ್ರೈಮಾಸಿಕ ಫಲಿತಾಂಶದೊಡನೆ ಪರಾಮರ್ಶಿಸಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಎರಡನೆಯ ಹಂತ, ಪ್ರತಿ ಬಾರಿ ಯಾವ ಹಂತದಲ್ಲಿ ಲಾಭ ಗಳಿಸಿ ಹೊರ ಬರಬೇಕು ಅಥವಾ ನಷ್ಟ ಆಗುತ್ತಿರುವ ಸಮಯ ಯಾವ ಹಂತದಲ್ಲಿ ಹೊರ ಬರಬೇಕೆನ್ನುವ ಪೂರ್ವ ನಿರ್ಧರಿತ ಮಾಹಿತಿ ಇರಬೇಕು.\u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನು ನಿಮ್ಮ ಹಣವನ್ನು ವ್ಯವಸ್ಥಿತ ಮಾಸಿಕ ಹೂಡಿಕೆಗೆ ಸೀಮಿತಗೊಳಿಸಿ. ಮೊದಲ ಆಯ್ಕೆ ಮ್ಯೂಚುವಲ್ ಫಂಡ್, ಇದು ಬೇಡವೆಂದಾದರೆ, ಷೇರುಗಳ ಎಸ್‌ಐಪಿ. ಇದರಿಂದ ಒಂದೇ ಬಾರಿ ಹೂಡಿಕೆ ಮಾಡಿ ನಷ್ಟ ಮಾಡಿಕೊಳ್ಳುವ ಅಪಾಯ ಕಡಿಮೆ ಇರುತ್ತದೆ. ಈ ವಿಚಾರವನ್ನು ಹಂತ ಹಂತದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಮೂಲಕ ನಿಭಾಯಿಸಿ. ಉತ್ತಮ ಕಂಪನಿಗಳ ಹುಡುಕಾಟ ಹಾಗೂ ಹೂಡಿಕೆಯ ನಂತರ ನಿಗಾ ಇರಿಸಿ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳುವುದು ನಮ್ಮ \u003Cstrong\u003E\u002F\u002Fಗೈಮೆಯ\u002F\u002F\u003C\u002Fstrong\u003E ಬಂಡವಾಳ ನಷ್ಟವಾಗದಂತೆ ನೆರವಾಗುತ್ತದೆ ಹಾಗೂ ಮುಂದೆ ಸಂಪತ್ತು ಸೃಷ್ಟಿಸಲು ಇದೇ ಮೂಲ ಬಂಡವಾಳ. ಇದಕ್ಕೆ ದೀರ್ಘ ಕಾಲದ ಹೂಡಿಕೆ ನಿರಂತರತೆ ಹಾಗೂ  ನಿರ್ಧಾರಗಳಲ್ಲಿ ಸ್ಥಿರತೆಯೂ ಅಗತ್ಯ.         \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1728414220735,"content-version-id":"89236466-d618-43f2-b77b-da5cfea128e9","card-added-at":1728395758531,"status":"draft","id":"4d86e0c0-fde5-42a3-b87d-ff78eb9a44ac","content-id":"4d86e0c0-fde5-42a3-b87d-ff78eb9a44ac","version":4,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2023-07\u002F75ff56ac-4bd8-447f-9589-52c623938f79\u002Finvest_1104498_1651080216_1168295_1670134028_1210930_1681851479.png","url":null,"attribution":null,"alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಸಾಂದರ್ಭಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"mime-type":"image\u002Fpng","focus-point":[337,171],"width":700,"file-size":396514,"file-name":"invest-1104498-1651080216-1168295-1670134028-1210930-1681851479.png","height":394}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fprashnottara-expert-advice-for-financial-problems-2999540","story-version-id":"6d99c7ac-fdc0-46a4-9c1a-c44a53c3be37","content-type":"story","content-updated-at":1728430201087,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1728430200000,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಸಾಂದರ್ಭಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":6,"story-template":"syndicated","sequence-no":null,"created-at":1728414220723,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ ಸುದ್ದಿ"]},"imported-card-id":"4d86e0c0-fde5-42a3-b87d-ff78eb9a44ac","card-share":{"shareable":false}},"publish-at":1728430200000,"assignee-name":"syndication"}},{"id":"a949b64b-6751-45d3-a55e-5281ff35db2d","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ: ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ"]},"story":{"updated-at":1727826980486,"seo":{"meta-description":"ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಮುಂತಾದ ಪ್ರಶ್ನೆಗಳಿಗೆ ತೆರಿಗೆ ಮತ್ತು ವೈಯಕ್ತಿಕ ಹಣಕಾಸು ತಜ್ಞ ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ ಉತ್ತರ ನೀಡಿದ್ದಾರೆ.\n","meta-keywords":["Financial advice","Finance"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5510713,"name":"Finance","meta-description":null,"meta-title":null,"slug":"finance","tag-type":"Tag"},{"id":5514883,"name":"Financial advice","meta-description":null,"meta-title":null,"slug":"financial-advice","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ","storyline-id":null,"votes":{},"story-content-id":"a949b64b-6751-45d3-a55e-5281ff35db2d","slug":"business\u002Fprashnottara\u002Fexpert-advice-for-financial-problems-2-2990040","last-published-at":1727826982553,"public-identifier":"2990040","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":3,"access-level-value":null,"content-created-at":1727782522805,"is-embargoed":false,"owner-name":"syndication","custom-slug":"Expert advice for Financial Problems","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"width":300,"height":168,"mime-type":"image\u002Fjpeg","file-size":7010,"file-name":"download.jpg","focus-point":[149,44]},"comments":null,"word-count":576,"story-features":null,"entities":{},"published-at":1727826982553,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7xf5x3c5e9vc7zrzkr8","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"a949b64b-6751-45d3-a55e-5281ff35db2d","hero-image-s3-key":"prajavani\u002F2024-10-01\u002Fndy7no3f\u002Fdownload.jpg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002Fa949b64b-6751-45d3-a55e-5281ff35db2d\u002Felement\u002F6570f891-8168-4e8c-a5a4-5aca9de0ff49","type":"text","family-id":"5afa707f-136f-437a-88a8-be223a86876d","title":"","id":"6570f891-8168-4e8c-a5a4-5aca9de0ff49","metadata":{"content":"ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಮುಂತಾದ ಪ್ರಶ್ನೆಗಳಿಗೆ ತೆರಿಗೆ ಮತ್ತು ವೈಯಕ್ತಿಕ ಹಣಕಾಸು ತಜ್ಞ ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ ಉತ್ತರ ನೀಡಿದ್ದಾರೆ."},"subtype":"blurb","text":"\u003Cblockquote\u003Eಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಮುಂತಾದ ಪ್ರಶ್ನೆಗಳಿಗೆ ತೆರಿಗೆ ಮತ್ತು ವೈಯಕ್ತಿಕ ಹಣಕಾಸು ತಜ್ಞ ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ ಉತ್ತರ ನೀಡಿದ್ದಾರೆ.\u003C\u002Fblockquote\u003E"},{"description":"","page-url":"\u002Fstory\u002Fa949b64b-6751-45d3-a55e-5281ff35db2d\u002Felement\u002Ffb3ab7b1-d891-4710-8e62-9f65977a0ed8","type":"text","family-id":"452f0a7a-a450-44a7-955a-e228693c1930","title":"","id":"fb3ab7b1-d891-4710-8e62-9f65977a0ed8","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eವಿದ್ಯಾಶಂಕರ್, ಹೊಸಕೆರೆಹಳ್ಳಿ, ಬೆಂಗಳೂರು.\u003C\u002Fstrong\u003E\r\n\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಶ್ನೆ: \u003C\u002Fstrong\u003Eನಾನು ಬ್ಯಾ೦ಕ್ ಉದ್ಯೋಗಿ. ವಯಸ್ಸು 55. ಕಳೆದ ನಾಲ್ಕೈದು ವರ್ಷದಿಂದ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತಿದ್ದೇನೆ. ಅಲ್ಲದೆ, ಷೇರುಪೇಟೆಯಲ್ಲೂ ಹೂಡಿಕೆ ಇದೆ. ಒಟ್ಟಾರೆ ಏಕ ಕಂತಿನ ಹೂಡಿಕೆಯಲ್ಲದೆ ಪ್ರತಿ ತಿಂಗಳು ಎಸ್‌ಐಪಿ ಮೂಲಕ ಹೂಡಿಕೆ ಮಾಡುತ್ತಿದ್ದೇನೆ. ಬಹುತೇಕ ನನ್ನ ಹೂಡಿಕೆಗಳು ಈಕ್ವಿಟಿ ವಿಭಾಗದ ಫಂಡ್‌ಗಳಲ್ಲಿ ಇವೆ. ಈ ಹೂಡಿಕೆಗಳು ಬ್ಯಾ೦ಕ್ ಬಡ್ಡಿಗಿಂತ ಅಧಿಕ ಲಾಭ ನೀಡುತ್ತಿರುವುದು ನನಗೆ ಮನವರಿಕೆಯಾಗಿದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fa949b64b-6751-45d3-a55e-5281ff35db2d\u002Felement\u002Fb60a0f83-e75c-4856-b297-9bfc6f17a623","type":"text","family-id":"3d662433-dc6c-4cdf-8bd5-1d6e2ea7a281","title":"","id":"b60a0f83-e75c-4856-b297-9bfc6f17a623","metadata":{},"subtype":null,"text":"\u003Cp\u003Eನನ್ನ ಹೂಡಿಕೆಗಳೆಲ್ಲ ವಿವಿಧ ದಿನಗಳಲ್ಲಿ ಬ್ಯಾಂಕ್ ಖಾತೆಯಿಂದ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಖಾತೆಗೆ ವರ್ಗಾವಣೆ ಆಗುತ್ತಿರುತ್ತದೆ. ಅದೇ ರೀತಿ ಮಾರಾಟ ಮಾಡಿದಾಗಲೂ ಸಮಯೋಚಿತ ನಿರ್ಧಾರ ಕೈಗೊಂಡು ಮಾರಾಟ ಲಾಭ ಗಳಿಸಿದ್ದೇನೆ. ನನ್ನ ಬ್ಯಾಂಕ್ ಖಾತೆಗೆ ಮಾರಾಟ ಮಾಡಿದ ಮೊತ್ತವೂ ಒಟ್ಟಾಗಿ ಬರುತ್ತದೆ. ಸಾಮಾನ್ಯವಾಗಿ ನೋಡಿದಾಗ ರಿಟರ್ನ್ಸ್ ಶೇ 10ರಿಂದ ಶೇ 25 ಸಿಕ್ಕಿದ್ದೂ ಇದೆ. ಕೆಲವು ಹೂಡಿಕೆಗಳು ಇದಕ್ಕಿಂತ ಅಧಿಕವಿದೆ. ಆದರೆ, ಹೂಡಿದ ಮೊತ್ತ ಪ್ರತಿ ತಿಂಗಳ ನಿಗದಿತ ದಿನಾಂಕ ಅಥವಾ ಯಾವುದೇ ದಿನ ಹೆಚ್ಚುವರಿ ಮೊತ್ತದ ಹೂಡಿಕೆ ಮಾಡಿರುವ ಕಾರಣ ನಿಖರವಾಗಿ ವಾರ್ಷಿಕ ಲಾಭದ ದರವನ್ನು ಕಂಡುಹಿಡಿಯುವುದು ಹೇಗೆ ಎಂಬ ಬಗ್ಗೆ ಮಾಹಿತಿ ಇಲ್ಲದಂತಾಗಿದೆ. ಈ ಬಗ್ಗೆ ಯಾವುದಾದರೂ ಉಪಾಯ ಇದ್ದರೆ ತಿಳಿಸಿ. ಇದರಿಂದ ಮುಂದಿನ ಹೂಡಿಕೆಯ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳಲು ಹಾಗೂ ಇತರೆ ಸ್ನೇಹಿತರೊಂದಿಗೆ ಚರ್ಚಿಸಲು ಸಹಾಯವಾಗುತ್ತದೆ.\u003C\u002Fp\u003E \u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ: \u003C\u002Fstrong\u003Eಯಾವುದೇ ಹೂಡಿಕೆ ಮಾಡಿದಾಗ ಹೂಡಿಕೆದಾರನಿಗೆ ಅಗತ್ಯವಾಗಿ ತನ್ನ ಹೂಡಿಕೆ ಮೊತ್ತ ನಿಜವಾಗಿಯೂ ಉದ್ದೇಶಿತ ಲಾಭ ನೀಡುತ್ತಿದೆಯೇ ಎಂಬುದನ್ನು ತಿಳಿಯಲು ಉಪಯುಕ್ತ ಮಾಹಿತಿ ಹೊಂದಿರಬೇಕು. ಪ್ರಸ್ತುತ ಮುಂದುವರಿಯುತ್ತಿರುವ ಹೂಡಿಕೆಗಳಾಗಿದ್ದರೆ, ಹೂಡಿಕೆಯ ದಿನದಿಂದ ಪ್ರಸಕ್ತ ದಿನದ ತನಕ ಇರುವ ಲಾಭ ಅಥವಾ ನಷ್ಟ ಪರಿಗಣಿಸಿ ಲೆಕ್ಕ ಹಾಕುವಾಗ ಯಾವುದೇ ಸಮಯದ ಅವಧಿಯನ್ನು ಪರಿಗಣಿಸದೆ ಶೇಕಡಾವಾರು ಲೆಕ್ಕ ಹಾಕುತ್ತೇವೆ. ಉದಾಹರಣೆಗೆ ₹5 ಲಕ್ಷ ಹೂಡಿಕೆಗೆ ₹ 25 ಸಾವಿರ ಲಾಭ ಬಂದರೆ, ಶೇ 5ರ ಲಾಭ ಎಂದು ಪರಿಗಣಿಸುತ್ತೇವೆ. ಆದರೆ, ಇದು ಕೇವಲ ಹತ್ತು ದಿನದ ಲಾಭವಾಗಿರಬಹುದು ಅಥವಾ ಮೂರು ವರ್ಷದ ಲಾಭವೂ ಆಗಿರಬಹುದು. ಹೀಗಾಗಿ, ನಿಜಕ್ಕೂ ಉತ್ತಮ ಹೂಡಿಕೆ ನಿರ್ಧಾರ ಪರಿಣಾಮಕಾರಿಯಾಗಿತ್ತೇ ಎಂದು ನೋಡಿದರೆ ಸಮರ್ಪಕವಾಗಿ ಉತ್ತರಿಸಲಾಗದು.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fa949b64b-6751-45d3-a55e-5281ff35db2d\u002Felement\u002F430cff95-33f0-4c13-b5ea-887cdc265c94","type":"text","family-id":"3a1a31d2-b02e-406d-887e-f0c0d5da1082","title":"","id":"430cff95-33f0-4c13-b5ea-887cdc265c94","metadata":{},"subtype":null,"text":"\u003Cp\u003Eನಿಮ್ಮ ಈ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರವಾಗಿ ಪರ್ಯಾಯವಾದ ಒಂದು ಲಾಭಾಂಶ ಪತ್ತೆ ಮಾಡುವ ವಿಧಾನವಿದೆ. ಇದಕ್ಕೆ ‘ಎಕ್ಸ್ ಐ ಆರ್ ಆರ್’ ಎಂಬ ಸಮೀಕರಣವನ್ನು ಬಳಸಲಾಗುತ್ತದೆ. ಇದನ್ನು ಸಿಪ್ (ಎಸ್‌ಐಪಿ) ಹೂಡಿಕೆಗಳಲ್ಲಿ ಅಥವಾ ಯಾವುದೇ ವ್ಯತ್ಯಸ್ತ ಹೂಡಿಕೆ ದಿನಾಂಕ ಅಥವಾ ಮೊತ್ತ ಇದ್ದಾಗ ಅಂತಹ ಹೂಡಿಕೆಗಳ ಆಂತರಿಕ ಲಾಭದ ಪ್ರಮಾಣವನ್ನು ಲೆಕ್ಕಹಾಕಲು ಬಳಸಲಾಗುತ್ತದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fa949b64b-6751-45d3-a55e-5281ff35db2d\u002Felement\u002Fe6d4c721-cd2b-4a22-a040-e6217b0b900a","type":"text","family-id":"afd3f37c-76fd-46ff-bfd5-da7fc11fa8cc","title":"","id":"e6d4c721-cd2b-4a22-a040-e6217b0b900a","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಇದಕ್ಕಾಗಿ ನಿಮ್ಮ ಎಲ್ಲಾ ಹೂಡಿಕೆಗಳ ದಿನಾಂಕ, ಹೂಡಿಕೆಯ ಅಸಲು ಮೊತ್ತ, ಪ್ರಸ್ತುತ ಮೌಲ್ಯ ಅಥವಾ ಮಾರಾಟದ ಮೌಲ್ಯ ಮತ್ತು ದಿನಾಂಕವನ್ನು ಕಂಪ್ಯೂಟರ್ ಎಕ್ಸೆಲ್‌ನಲ್ಲಿ ಸಮೀಕರಿಸಿ ಅಥವಾ ಯಾವುದೇ ಇಂಟರ್‌ನೆಟ್‌ ಜಾಲತಾಣದಲ್ಲಿ ಈ ಸಮೀಕರಣದ ಮಾಹಿತಿ ಹುಡುಕಿ. ಅದರಲ್ಲಿ ಈ ಮೇಲಿನ ಮಾಹಿತಿ ಆಧರಿಸಿ ನಿಖರವಾಗಿ ಲೆಕ್ಕ ಹಾಕಬಹುದು. ಇನ್ನೂ ಮುಖ್ಯವಾಗಿ, ನೀವು ನಿಮ್ಮ ಫಂಡ್‌ಗಳನ್ನು ಲಾಗಿನ್ ಮಾಡಿ ನೋಡಿದರೆ, ಅದರಲ್ಲೂ ಎಕ್ಸ್ ಐ ಆರ್ ಆರ್ ಶೇಕಡಾ ಮೊತ್ತವನ್ನು ನೋಡಬಹುದು. ಇದರ ಆಧಾರದಲ್ಲಿ ನಿಮ್ಮ ನೈಜ ಹೂಡಿಕೆ ನಿರ್ಧಾರದ ಗುಣಮಟ್ಟವನ್ನು ಹೋಲಿಕೆ ಮಾಡಬಹುದು.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fa949b64b-6751-45d3-a55e-5281ff35db2d\u002Felement\u002F1c2a8b9d-7219-4907-b022-71bd098cf03c","type":"text","family-id":"170867e2-dbda-46db-b489-d076e527c155","title":"","id":"1c2a8b9d-7219-4907-b022-71bd098cf03c","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eರಘುವೀರ್, ಬೆಂಗಳೂರು.\u003C\u002Fstrong\u003E  \r\n\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಶ್ನೆ: \u003C\u002Fstrong\u003Eನಾನು ಐ.ಟಿ ಕಂಪನಿಯ ಉದ್ಯೋಗಿ. ನನಗೆ ವೇತನ ಆದಾಯ ಮಾತ್ರವಲ್ಲದೆ ಇನ್ನೂ ಕೆಲವು ಮೂಲಗಳಿಂದ ಆದಾಯವಿದೆ. ಇದರಲ್ಲಿ ಸಣ್ಣ ಪ್ರಮಾಣದ ಬಡ್ಡಿ ಆದಾಯ, ಷೇರು ಹಾಗೂ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಖರೀದಿ- ಮಾರಾಟದಿಂದ ಬರುವ ಲಾಭ\u002F ನಷ್ಟ, ಇಂಟ್ರಾ ಡೇ ಷೇರು ವ್ಯವಹಾರದಿಂದ ಬರುವ ಲಾಭ\u002F ನಷ್ಟ, ಅವುಗಳಿಂದ ಬರುವ ಡಿವಿಡೆಂಡ್ ನನ್ನ ಆದಾಯದ ಭಾಗವಾಗಿದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fa949b64b-6751-45d3-a55e-5281ff35db2d\u002Felement\u002F8c7b0504-b26b-4e25-a643-6ec3de58347b","type":"text","family-id":"0d5154b9-08d7-445a-95b2-36c8f88f1ca1","title":"","id":"8c7b0504-b26b-4e25-a643-6ec3de58347b","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಅಲ್ಲದೆ, ನನ್ನ ಹೆಸರಲ್ಲಿ ಮನೆ ಬಾಡಿಗೆ ಆದಾಯವೂ ಬರುತ್ತಿದೆ. ಈ ಮನೆಗೆ ಯಾವುದೇ ಸಾಲ ಇಲ್ಲ. ಇದು ನನ್ನ ತಂದೆಯವರಿಂದ ನನ್ನ ಹೆಸರಿಗೆ ಬಂದಿರುತ್ತದೆ. ಮನೆಯ ಒಂದು ಮಹಡಿಯನ್ನು ಬಾಡಿಗೆಗೆ ಕೊಟ್ಟಿರುತ್ತೇವೆ. ಬಾಡಿಗೆ ಬ್ಯಾ೦ಕ್ ಮೂಲಕ ವರ್ಗಾಯಿಸುತ್ತಾರೆ. ನಾನು ಬಾಡಿಗೆದಾರರಿಗೆ ಬಾಡಿಗೆ ರಶೀದಿ ಕೊಡುತ್ತಿದ್ದೇನೆ. ಪ್ರಸಕ್ತ ಆರ್ಥಿಕ ವರ್ಷದಲ್ಲಿ ನಾನು ಉದ್ಯೋಗವನ್ನು ಬದಲಿಸಿದ್ದು ಹೊಸ ಕಂಪನಿಯಲ್ಲೂ ತೆರಿಗೆ ಕಡಿತ ಆಗುತ್ತಿದೆ. ಉದ್ಯೋಗ ಬದಲಾವಣೆಯ ಪರಿಣಾಮ ತೆರಿಗೆಯಲ್ಲಿ ವ್ಯತ್ಯಾಸ ಆಗಿದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fa949b64b-6751-45d3-a55e-5281ff35db2d\u002Felement\u002F0f99e062-9767-49ed-a619-d4a39e6b2eaa","type":"text","family-id":"249b7bfc-55d2-419f-abff-9252fb67a0bc","title":"","id":"0f99e062-9767-49ed-a619-d4a39e6b2eaa","metadata":{},"subtype":null,"text":"\u003Cp\u003Eನನ್ನ ಸಮಸ್ಯೆ ಏನೆಂದರೆ, ನನ್ನ ಹೊಸ ಕಂಪನಿಯ ಉದ್ಯೋಗ ನಿರ್ವಹಣಾ ವಿಭಾಗದವರು ಯಾವುದೇ ಇತರೆ ಆದಾಯವನ್ನು ನಾನು ಘೋಷಿಸಿದಲ್ಲಿ ಅದನ್ನು ಪರಿಗಣಿಸುತ್ತಿಲ್ಲ. ಬದಲಾಗಿ ವೇತನ ಹಾಗೂ ಬ್ಯಾ೦ಕ್ ಬಡ್ಡಿ ಮಾತ್ರ ಪರಿಗಣಿಸಿ ತೆರಿಗೆ ಕಡಿತ ಮಾಡುತ್ತಾರೆ. ಇದರಿಂದ ವರ್ಷದ ಕೊನೆಗೆ ನಾನು ಹೆಚ್ಚಿನ ತೆರಿಗೆ ಬಡ್ಡಿ ಹಾಗೂ ಊಹೆಗೂ ಮೀರಿದ ತೆರಿಗೆ ಕಟ್ಟಿದ್ದೇನೆ. ಇದಕ್ಕೇನು ಪರಿಹಾರ ತಿಳಿಸಿ.  \u003C\u002Fp\u003E \u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ:\u003C\u002Fstrong\u003E ನಿಮ್ಮ ಈ ಸಮಸ್ಯೆ ಬಹುತೇಕ ಮಂದಿಗೂ ಇದ್ದಿರಬಹುದು. ಎಲ್ಲ ತೆರಿಗೆದಾರರೂ ತಮ್ಮದೇ ಉದ್ಯೋಗ\u002F ವ್ಯವಹಾರದಲ್ಲಿ ಮಗ್ನರಾಗಿರುವುದರಿಂದ ತಮ್ಮ ತೆರಿಗೆ ನಿರ್ವಹಣೆ ಬಗ್ಗೆ ಗಮನಿಸದಿರುವ ಸಾಧ್ಯತೆಯೂ ಇದೆ. ಅನೇಕ ಮೂಲಗಳಿಂದ ಆದಾಯ ಇರುವ ಇಂತಹ ಸಂದರ್ಭದಲ್ಲಿ, ತೆರಿಗೆ ನಿರ್ವಹಣೆ ಬಗ್ಗೆ ಆರ್ಥಿಕ ವರ್ಷದ ಆರಂಭದಲ್ಲೇ ಸಮಾಲೋಚನೆ ಅಗತ್ಯ. ಇದರಿಂದ ವರ್ಷದ ಕೊನೆಗೆ ಭಾರಿ ಮೊತ್ತದ ಬಡ್ಡಿ ಹಾಗೂ ತೆರಿಗೆ ಕಟ್ಟುವುದನ್ನು ತಡೆಯಬಹುದು.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fa949b64b-6751-45d3-a55e-5281ff35db2d\u002Felement\u002Fcb3fc3ca-d775-4049-a9ed-7b11ac78487f","type":"text","family-id":"13681fd4-e5f3-4ead-9e2b-b90c98f998c1","title":"","id":"cb3fc3ca-d775-4049-a9ed-7b11ac78487f","metadata":{},"subtype":null,"text":"\u003Cp\u003Eನೀವು ಪ್ರಶ್ನೆಯಲ್ಲಿ ತಿಳಿಸಿರುವಂತೆ, ನಿಮ್ಮ ಕಂಪನಿಯ ತೆರಿಗೆ ವಿಭಾಗದವರು ನೀವು ನೀಡುವ ನಿಮ್ಮ ಎಲ್ಲಾ ಆದಾಯಗಳನ್ನು ಅವರು ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕುವಾಗ ಪರಿಗಣಿಸುತ್ತಿಲ್ಲ ಎಂಬುದು. ಇದಕ್ಕಾಗಿ ಆದಾಯ ತೆರಿಗೆಯ ಸೆಕ್ಷನ್ 192ಬಿ ಪ್ರಕಾರ ‘ಫಾರ್ಂ 12ಸಿ’ ಭರ್ತಿ ಮಾಡಿ ನೀವು ಸಲ್ಲಿಸುವುದಕ್ಕೆ ಅವಕಾಶ ಇದೆ. ಇದು ವೇತನ ಆದಾಯವಲ್ಲದೆ, ಯಾವುದೇ ಇತರೆ ಆದಾಯವಿದ್ದಾಗ ಅದರಲ್ಲಿರುವ ವಿವಿಧ ವರ್ಗದ ಆದಾಯ ಮಾಹಿತಿಯನ್ನು ಅಧಿಕೃತವಾಗಿ ಸಲ್ಲಿಸುವುದಕ್ಕಿರುವ ಮಾಧ್ಯಮ. ಆದರೆ, ನೀವು ನೀಡುವ ಮಾಹಿತಿಯ ನಿಖರತೆ ಪರಿಶೀಲಿಸುವುದು ಅವರ ಕರ್ತವ್ಯವಲ್ಲ ಎಂಬುದನ್ನು ಗಮನಿಸಿ. ಆದರೆ, ಈ ಫಾರಂ ಸಲ್ಲಿಸುವ ಮೊದಲು ಮೇಲೆ ತಿಳಿಸಿರುವಂತೆ ತೆರಿಗೆ ಸಂಬಂಧಿತ ಸಲಹೆ ಪಡೆದುಕೊಳ್ಳಿ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fa949b64b-6751-45d3-a55e-5281ff35db2d\u002Felement\u002F83275567-3f3d-4233-aca6-83b0cc37cf16","type":"text","family-id":"69abede6-b42e-4ca7-8bfa-4670019038b7","title":"","id":"83275567-3f3d-4233-aca6-83b0cc37cf16","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003Eಹಣಕಾಸಿಗೆ ಸಂಬಂಧಿಸಿದ ಪ್ರಶ್ನೆಗಳನ್ನು ಪತ್ರದಲ್ಲಿ (ದೂರವಾಣಿ ಸಂಖ್ಯೆ ಸಹಿತ) ಬರೆದು ಕಳುಹಿಸಿ. ವಿಳಾಸ: ಪ್ರಶ್ನೋತ್ತರ, ವಾಣಿಜ್ಯ ವಿಭಾಗ, ಪ್ರಜಾವಾಣಿ, ನಂ.75, ಮಹಾತ್ಮ ಗಾಂಧಿ ರಸ್ತೆ, ಬೆಂಗಳೂರು–560001. ಇ–ಮೇಲ್‌:businessdesk@prajavani.co.in\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1727826977677,"content-version-id":"10f54e85-4e4f-4644-9f17-198fdab5f2fc","card-added-at":1727782523014,"status":"draft","id":"089c0d6a-9a53-44e0-9bae-783b290a0be4","content-id":"089c0d6a-9a53-44e0-9bae-783b290a0be4","version":14,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-10-01\u002Fndy7no3f\u002Fdownload.jpg","url":null,"attribution":null,"alt-text":null,"caption":null,"metadata":{"width":300,"height":168,"mime-type":"image\u002Fjpeg","file-size":7010,"file-name":"download.jpg","focus-point":[149,44]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fexpert-advice-for-financial-problems-2-2990040","story-version-id":"95b6d739-7e69-4a45-ad87-a35015b489b9","content-type":"story","content-updated-at":1727826982681,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1727826982553,"hero-image-caption":null,"version":17,"story-template":"syndicated","sequence-no":null,"created-at":1727826977670,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ ಸುದ್ದಿ"]},"imported-card-id":"089c0d6a-9a53-44e0-9bae-783b290a0be4","card-share":{"shareable":false}},"publish-at":null,"assignee-name":"syndication"}},{"id":"f72ef46d-23a5-47a7-b8c8-ed388c297f09","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ: ತೆರಿಗೆ ಉಳಿಸುವ ಅವಕಾಶವಿದೆಯೇ?"]},"story":{"updated-at":1727218034045,"seo":{"meta-description":"ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಮುಂತಾದ ಪ್ರಶ್ನೆಗಳಿಗೆ ತೆರಿಗೆ ಮತ್ತು ವೈಯಕ್ತಿಕ ಹಣಕಾಸು ತಜ್ಞ ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ ಉತ್ತರ ನೀಡಿದ್ದಾರೆ.\n\n","meta-keywords":["Finance"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5510713,"name":"Finance","meta-description":null,"meta-title":null,"slug":"finance","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ತೆರಿಗೆ ಉಳಿಸುವ ಅವಕಾಶವಿದೆಯೇ?","storyline-id":null,"votes":{},"story-content-id":"f72ef46d-23a5-47a7-b8c8-ed388c297f09","slug":"business\u002Fprashnottara\u002Fpramod-sreekantha-daitota-answer-for-financial-questions-2980219","last-published-at":1727207833078,"public-identifier":"2980219","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":3,"access-level-value":null,"content-created-at":1727181937325,"is-embargoed":false,"owner-name":"syndication","custom-slug":"pramod sreekantha daitota answer for financial questions","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"width":300,"height":168,"mime-type":"image\u002Fjpeg","file-size":7010,"file-name":"download.jpg","focus-point":[139,43]},"comments":null,"word-count":589,"story-features":null,"entities":{},"published-at":1727207833078,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"last-correction-published-at":1727218035954,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7xbl9mb19q84s55z2h1","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"f72ef46d-23a5-47a7-b8c8-ed388c297f09","hero-image-s3-key":"prajavani\u002F2024-09-24\u002Fsigb86nx\u002Fdownload.jpg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002Ff72ef46d-23a5-47a7-b8c8-ed388c297f09\u002Felement\u002Fb16ceaf9-f751-406e-b5d6-8f8675a6709e","type":"text","family-id":"d6d458c9-a95a-4495-8733-f7943f0663db","title":"","id":"b16ceaf9-f751-406e-b5d6-8f8675a6709e","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಮುಂತಾದ ಪ್ರಶ್ನೆಗಳಿಗೆ ತೆರಿಗೆ ಮತ್ತು ವೈಯಕ್ತಿಕ ಹಣಕಾಸು ತಜ್ಞ ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ ಉತ್ತರ ನೀಡಿದ್ದಾರೆ.\u003C\u002Fp\u003E \u003Cp\u003E\u003Cstrong\u003Eಪ್ರಶ್ನೆ ಕೇಳಿದವರು: \u003C\u002Fstrong\u003Eವಿಶ್ವನಾಥ್, ಬೆಂಗಳೂರು.  \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Ff72ef46d-23a5-47a7-b8c8-ed388c297f09\u002Felement\u002Ffc3e106c-143b-4f0e-b0f3-df38441b0ceb","type":"text","family-id":"c2b8731d-cfa9-4cb9-941f-a7643e87ea76","title":"","id":"fc3e106c-143b-4f0e-b0f3-df38441b0ceb","metadata":{"question":"\u003Cp\u003Eಪ್ರಸ್ತುತ ನಾನು ಸಾರ್ವಜನಿಕ ವಲಯದ ಕಂಪನಿಯೊಂದರಲ್ಲಿ ಮಹಾಪ್ರಬಂಧಕನಾಗಿದ್ದೇನೆ. ಮುಂದಿನ ವರ್ಷದ ಮಾರ್ಚ್‌ನಲ್ಲಿ (35 ವರ್ಷ ಸೇವೆ) ನಿವೃತ್ತಿ ಹೊಂದುತ್ತೇನೆ. ಈ ನಿಮಿತ್ತ ನಿವೃತ್ತಿಗೆ ಸಂಬಂಧಿಸಿದ ಅನೇಕ ಆರ್ಥಿಕ ಗಳಿಕೆಯನ್ನು ಪಡೆಯುವವನಿದ್ದೇನೆ. ಇದರಲ್ಲಿ ಪಿ.ಎಫ್ ಮೊತ್ತ ಸುಮಾರು ₹75 ಲಕ್ಷ, ರಜಾ ಸಂಬಂಧಿತ ಗಳಿಕೆ ₹4 ಲಕ್ಷ, ಗ್ರಾಚ್ಯುಟಿ ಮೊತ್ತ ಸುಮಾರು ₹10 ಲಕ್ಷ, ಗ್ರೂಪ್ ಇನ್ಶೂರೆನ್ಸ್ ಮೊತ್ತ ₹3 ಲಕ್ಷ ಹೀಗೆ ಒಟ್ಟಾರೆ ಮೊತ್ತ ₹92 ಲಕ್ಷದಿಂದ ₹1 ಕೋಟಿ ತನಕ ಸಿಗಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eಮುಂದಿನ ವರ್ಷಕ್ಕೆ ಅಂದಾಜು ಸುಮಾರು ₹9 ರಿಂದ ₹10 ಲಕ್ಷ ಪಿಂಚಣಿ ಬರಬಹುದು ಎಂದು ಊಹಿಸಿದ್ದೇನೆ. ಈ ಮೊತ್ತವನ್ನು ಸದ್ಯದ ಪರಿಸ್ಥಿತಿಯಲ್ಲಿ ಉತ್ತಮ ಆದಾಯ ನೀಡುವ ಕಡೆ ಹೂಡಿಕೆ ಮಾಡುವ ಯೋಚನೆಯಿದೆ. ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಯಾವುದಾದರೂ ಭೂಮಿ ಅಥವಾ ಮನೆ ಕೊಳ್ಳುವ ಬಗ್ಗೆಯೂ ಯೋಜನೆ ಇದೆ. ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ಕೊಡಿ. ತೆರಿಗೆ ಉಳಿಸುವ ಅವಕಾಶ ಇದ್ದರೆ ಅದನ್ನು ತಿಳಿಸಿ.  \u003C\u002Fp\u003E","answer":"\u003Cp\u003Eಈಗಾಗಲೇ ಪ್ರಶ್ನೆಯಲ್ಲಿ ತಿಳಿಸಿರುವಂತೆ ನೀವು ಸಾರ್ವಜನಿಕ ವಲಯ ಕಂಪನಿಯೊಂದರಲ್ಲಿ ಸೇವೆ ಸಲ್ಲಿಸುತ್ತಿದ್ದೀರಿ. ನಿಮಗೆ ಸಿಗಲಿರುವ ಬಹುತೇಕ ಎಲ್ಲ ಮೊತ್ತಗಳು ತೆರಿಗೆ ಮುಕ್ತ ಆಗಿರುವವೇ ಆಗಿವೆ. ನಿಮ್ಮ ಈ ಮೊತ್ತವನ್ನು ನಿಗದಿತ ಯೋಜನೆಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ ಆದಾಯ ತೆರಿಗೆ ಉಳಿತಾಯಕ್ಕೆ ಅವಕಾಶ ಇದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಸೇವೆ ಸಾರ್ವಜನಿಕ ವಲಯದ ಕಂಪನಿಯಲ್ಲಾದ ಕಾರಣ ನಿಮಗೆ ಸಿಗುವ ಮೊತ್ತವನ್ನು ಪ್ರತ್ಯೇಕವಾದ ಯೋಜನೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಅವಕಾಶ ಇದೆ. ನಿವೃತ್ತಿಗೆ ಸಂಬಂಧಿಸಿ ಸಿಗುವ ಮೊತ್ತವನ್ನು ಮೂರು ತಿಂಗಳ ಒಳಗೆ ಸ್ಟೇಟ್ ಬ್ಯಾ೦ಕ್ ಆಫ್‌ ಇಂಡಿಯಾ ಅಥವಾ ಇತರೆ ರಾಷ್ಟ್ರೀಕೃತ ಬ್ಯಾ೦ಕ್‌ನಲ್ಲಿ ಸಾರ್ವಜನಿಕ ವಲಯದ ಕಂಪನಿಯ ಉದ್ಯೋಗಿಗಳ ನಿವೃತ್ತಿಯ ಠೇವಣಿ ಯೋಜನೆಯಲ್ಲಿ ತೊಡಗಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ಯೋಜನೆಯ ಠೇವಣಿಗೆ ಸಿಗುವ ಬಡ್ಡಿಗೆ ಸೆಕ್ಷನ್ 10(15)(iv) ಅಡಿ ಸಂಪೂರ್ಣ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಸಿಗುತ್ತದೆ. ಆ ಠೇವಣಿಯನ್ನು ಮೂರು ವರ್ಷ ಕಾಲ ಹಿಂಪಡೆಯುವಂತಿಲ್ಲ. ಅಲ್ಲಿಯ ತನಕ ಬಡ್ಡಿಗೆ ತೆರಿಗೆ ಇರುವುದಿಲ್ಲ. ಇದಕ್ಕೆ ಅಗತ್ಯವಾಗಿ ನಿಮ್ಮ ಕಂಪನಿ ಸಾರ್ವಜನಿಕ ವಲಯದ ಕಂಪನಿ ಎಂಬುದಾಗಿ ಹಾಗೂ ನಿಮಗೆ ಸಿಕ್ಕಿದ ಮೊತ್ತ ನಿವೃತ್ತಿಗೆ ಸಂಬಂಧಿಸಿದ್ದಾಗಿದೆ ಎಂದು ದೃಢೀಕರಿಸಿರುವ ಕಂಪನಿಯ ಪ್ರಮಾಣ ಪತ್ರ ಪಡೆದುಕೊಳ್ಳಿ. ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವಾಗ ವಿನಾಯಿತಿ ಆದಾಯದಲ್ಲಿ ಈ ಬಡ್ಡಿ ಮೊತ್ತ  ಘೋಷಿಸಬೇಕು. ಇತರೆ ಕಡೆ ಎಲ್ಲೇ ಹೂಡಿಕೆ ಮಾಡಿದರೂ ಸಿಗುವ ಬಡ್ಡಿಗೆ ತೆರಿಗೆ ಇದೆ ಎಂಬುದನ್ನು ಗಮನಿಸಿ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eಪ್ರಸ್ತುತ ನಾನು ಸಾರ್ವಜನಿಕ ವಲಯದ ಕಂಪನಿಯೊಂದರಲ್ಲಿ ಮಹಾಪ್ರಬಂಧಕನಾಗಿದ್ದೇನೆ. ಮುಂದಿನ ವರ್ಷದ ಮಾರ್ಚ್‌ನಲ್ಲಿ (35 ವರ್ಷ ಸೇವೆ) ನಿವೃತ್ತಿ ಹೊಂದುತ್ತೇನೆ. ಈ ನಿಮಿತ್ತ ನಿವೃತ್ತಿಗೆ ಸಂಬಂಧಿಸಿದ ಅನೇಕ ಆರ್ಥಿಕ ಗಳಿಕೆಯನ್ನು ಪಡೆಯುವವನಿದ್ದೇನೆ. ಇದರಲ್ಲಿ ಪಿ.ಎಫ್ ಮೊತ್ತ ಸುಮಾರು ₹75 ಲಕ್ಷ, ರಜಾ ಸಂಬಂಧಿತ ಗಳಿಕೆ ₹4 ಲಕ್ಷ, ಗ್ರಾಚ್ಯುಟಿ ಮೊತ್ತ ಸುಮಾರು ₹10 ಲಕ್ಷ, ಗ್ರೂಪ್ ಇನ್ಶೂರೆನ್ಸ್ ಮೊತ್ತ ₹3 ಲಕ್ಷ ಹೀಗೆ ಒಟ್ಟಾರೆ ಮೊತ್ತ ₹92 ಲಕ್ಷದಿಂದ ₹1 ಕೋಟಿ ತನಕ ಸಿಗಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eಮುಂದಿನ ವರ್ಷಕ್ಕೆ ಅಂದಾಜು ಸುಮಾರು ₹9 ರಿಂದ ₹10 ಲಕ್ಷ ಪಿಂಚಣಿ ಬರಬಹುದು ಎಂದು ಊಹಿಸಿದ್ದೇನೆ. ಈ ಮೊತ್ತವನ್ನು ಸದ್ಯದ ಪರಿಸ್ಥಿತಿಯಲ್ಲಿ ಉತ್ತಮ ಆದಾಯ ನೀಡುವ ಕಡೆ ಹೂಡಿಕೆ ಮಾಡುವ ಯೋಚನೆಯಿದೆ. ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಯಾವುದಾದರೂ ಭೂಮಿ ಅಥವಾ ಮನೆ ಕೊಳ್ಳುವ ಬಗ್ಗೆಯೂ ಯೋಜನೆ ಇದೆ. ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ಕೊಡಿ. ತೆರಿಗೆ ಉಳಿಸುವ ಅವಕಾಶ ಇದ್ದರೆ ಅದನ್ನು ತಿಳಿಸಿ.  \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eಈಗಾಗಲೇ ಪ್ರಶ್ನೆಯಲ್ಲಿ ತಿಳಿಸಿರುವಂತೆ ನೀವು ಸಾರ್ವಜನಿಕ ವಲಯ ಕಂಪನಿಯೊಂದರಲ್ಲಿ ಸೇವೆ ಸಲ್ಲಿಸುತ್ತಿದ್ದೀರಿ. ನಿಮಗೆ ಸಿಗಲಿರುವ ಬಹುತೇಕ ಎಲ್ಲ ಮೊತ್ತಗಳು ತೆರಿಗೆ ಮುಕ್ತ ಆಗಿರುವವೇ ಆಗಿವೆ. ನಿಮ್ಮ ಈ ಮೊತ್ತವನ್ನು ನಿಗದಿತ ಯೋಜನೆಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ ಆದಾಯ ತೆರಿಗೆ ಉಳಿತಾಯಕ್ಕೆ ಅವಕಾಶ ಇದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಸೇವೆ ಸಾರ್ವಜನಿಕ ವಲಯದ ಕಂಪನಿಯಲ್ಲಾದ ಕಾರಣ ನಿಮಗೆ ಸಿಗುವ ಮೊತ್ತವನ್ನು ಪ್ರತ್ಯೇಕವಾದ ಯೋಜನೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಅವಕಾಶ ಇದೆ. ನಿವೃತ್ತಿಗೆ ಸಂಬಂಧಿಸಿ ಸಿಗುವ ಮೊತ್ತವನ್ನು ಮೂರು ತಿಂಗಳ ಒಳಗೆ ಸ್ಟೇಟ್ ಬ್ಯಾ೦ಕ್ ಆಫ್‌ ಇಂಡಿಯಾ ಅಥವಾ ಇತರೆ ರಾಷ್ಟ್ರೀಕೃತ ಬ್ಯಾ೦ಕ್‌ನಲ್ಲಿ ಸಾರ್ವಜನಿಕ ವಲಯದ ಕಂಪನಿಯ ಉದ್ಯೋಗಿಗಳ ನಿವೃತ್ತಿಯ ಠೇವಣಿ ಯೋಜನೆಯಲ್ಲಿ ತೊಡಗಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ಯೋಜನೆಯ ಠೇವಣಿಗೆ ಸಿಗುವ ಬಡ್ಡಿಗೆ ಸೆಕ್ಷನ್ 10(15)(iv) ಅಡಿ ಸಂಪೂರ್ಣ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಸಿಗುತ್ತದೆ. ಆ ಠೇವಣಿಯನ್ನು ಮೂರು ವರ್ಷ ಕಾಲ ಹಿಂಪಡೆಯುವಂತಿಲ್ಲ. ಅಲ್ಲಿಯ ತನಕ ಬಡ್ಡಿಗೆ ತೆರಿಗೆ ಇರುವುದಿಲ್ಲ. ಇದಕ್ಕೆ ಅಗತ್ಯವಾಗಿ ನಿಮ್ಮ ಕಂಪನಿ ಸಾರ್ವಜನಿಕ ವಲಯದ ಕಂಪನಿ ಎಂಬುದಾಗಿ ಹಾಗೂ ನಿಮಗೆ ಸಿಕ್ಕಿದ ಮೊತ್ತ ನಿವೃತ್ತಿಗೆ ಸಂಬಂಧಿಸಿದ್ದಾಗಿದೆ ಎಂದು ದೃಢೀಕರಿಸಿರುವ ಕಂಪನಿಯ ಪ್ರಮಾಣ ಪತ್ರ ಪಡೆದುಕೊಳ್ಳಿ. ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವಾಗ ವಿನಾಯಿತಿ ಆದಾಯದಲ್ಲಿ ಈ ಬಡ್ಡಿ ಮೊತ್ತ  ಘೋಷಿಸಬೇಕು. ಇತರೆ ಕಡೆ ಎಲ್ಲೇ ಹೂಡಿಕೆ ಮಾಡಿದರೂ ಸಿಗುವ ಬಡ್ಡಿಗೆ ತೆರಿಗೆ ಇದೆ ಎಂಬುದನ್ನು ಗಮನಿಸಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002Ff72ef46d-23a5-47a7-b8c8-ed388c297f09\u002Felement\u002F22dd0fea-6eda-4d00-a98c-779875e0f64a","type":"text","family-id":"dab2447c-5203-4cb5-b019-2a38f1f556c1","title":"","id":"22dd0fea-6eda-4d00-a98c-779875e0f64a","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಶ್ನೆ ಕೇಳಿದವರು: ಸೌಮ್ಯ ಎಸ್., ತುಮಕೂರು\u003C\u002Fstrong\u003E.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Ff72ef46d-23a5-47a7-b8c8-ed388c297f09\u002Felement\u002F9c0909a8-0103-4f7b-9697-ad0c9a5578a2","type":"text","family-id":"023e8348-e987-4be7-b4e7-2070888f9ae0","title":"","id":"9c0909a8-0103-4f7b-9697-ad0c9a5578a2","metadata":{"question":"\u003Cp\u003E\u003Cstrong\u003Eನನಗೆ 30 ವರ್ಷ. \u003C\u002Fstrong\u003Eಖಾಸಗಿ ಸಂಸ್ಥೆಯಲ್ಲಿ ಕೆಲಸ ಮಾಡುತ್ತಿದ್ದೇನೆ. ವಾರ್ಷಿಕ ಆದಾಯ ₹10 ಲಕ್ಷ ಇದೆ. ಇದಕ್ಕೆ ಸಂಸ್ಥೆಯವರು ತೆರಿಗೆ ಕಡಿತ ಮಾಡುತ್ತಿದ್ದಾರೆ. ಈ ಆದಾಯಕ್ಕೆ ನಾನು ಪ್ರತಿವರ್ಷ ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿಯಂತೆ ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುತ್ತಾ ಬಂದಿದ್ದೇನೆ.  \u003C\u002Fp\u003E\u003Cp\u003Eಸುಮಾರು ಐದು ವರ್ಷದ ಹಿಂದೆ ಕೊರಟಗೆರೆ ತಾಲ್ಲೂಕಿನ ಕೋಳಾಲ ಗ್ರಾಮದ ಬಳಿ 9 ಎಕರೆ ಕೃಷಿ ಜಮೀನು ಖರೀದಿಸಿದ್ದೇನೆ. ಪಹಣಿ ಮತ್ತು ಇತರೆ ದಾಖಲೆಗಳು ನನ್ನ ಹೆಸರಲ್ಲಿವೆ. ಇಲ್ಲಿ ಸುಮಾರು 1,000 ಅಡಿಕೆ ಮರ ಹಾಗೂ 450 ತೆಂಗಿನ ಸಸಿಗಳನ್ನು ಬೆಳೆಸುತ್ತಿದ್ದೇನೆ. ಕಾರ್ಮಿಕರನ್ನು ಇದನ್ನು ನೋಡಿಕೊಳ್ಳುತ್ತಾರೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ವರ್ಷ ಅಡಿಕೆ ಮರಗಳು ಫಸಲಿಗೆ ಬಂದಿದ್ದು, ₹4 ಲಕ್ಷ ವಾರ್ಷಿಕ ಮೌಲ್ಯಕ್ಕೆ ಗೇಣಿ ಕೊಟ್ಟಿದ್ದೇನೆ. ಇದರ ಜೊತೆಗೆ ಆಗಾಗ ತರಕಾರಿ ಬೆಳೆದು ಕಾರ್ಮಿಕರ ಮೂಲಕ ಸಗಟು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಮಾರಾಟ ಮಾಡುತ್ತಿದ್ದೇನೆ. ಹೀಗೆ ಈ ವರ್ಷ ಕಂತುಗಳಲ್ಲಿ ಸುಮಾರು ₹5 ಲಕ್ಷ ಕೃಷಿ ಆದಾಯ ಗಳಿಸಿದ್ದೇನೆ. ಈ ಎಲ್ಲವೂ ನಗದು ಮೂಲಕವೇ ವ್ಯವಹಾರ ನಡೆಯುತ್ತಿದೆ. ಈ ಆದಾಯವು ಬರುವ ವರ್ಷಗಳಲ್ಲಿ ಹೆಚ್ಚಾಗುವ ನಿರೀಕ್ಷೆ ಇದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಮ್ಮಿಂದ ಖರೀದಿಸುವ ಅಡಿಕೆ ಮಧ್ಯವರ್ತಿಗಳು ಅಥವಾ ತರಕಾರಿ ಮಧ್ಯವರ್ತಿಗಳು ಅಧಿಕೃತವಾಗಿ ಯಾವುದೇ ರಸೀದಿ ನೀಡುವುದಿಲ್ಲ. ನಾನು ಕೊಡುವ ದಿನಗೂಲಿ ಹಾಗೂ ಇತರೆ ಖರ್ಚನ್ನು ಕೂಡ ನಗದು ಮೂಲಕವೇ ಕೊಡುತ್ತಿದ್ದೇನೆ. ಹೀಗಿರುವಾಗ ಇವೆಲ್ಲವನ್ನು ಮುಂದಿನ ವರ್ಷದ ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್‌ನಲ್ಲಿ ಯಾವ ರೀತಿ ವಿವರ ಸಲ್ಲಿಸಬೇಕು ಎಂಬುದನ್ನು ತಿಳಿಸಬೇಕೆಂದು ಕೋರುತ್ತೇನೆ. ನಾನು ಯಾವ ರೀತಿ ಹಣಕಾಸು ದಾಖಲೆಗಳನ್ನು ನಿರ್ವಹಿಸಬೇಕು? ಇದನ್ನು ಆಡಿಟ್ ಮಾಡಿಸಬೇಕೇ? ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಯಿಂದ ಏನಾದರು ತೊಂದರೆ ಬರಬಹುದೇ?\u003C\u002Fp\u003E","answer":"\u003Cp\u003E ನೀವು ಪ್ರಶ್ನೆಯಲ್ಲಿ ತಿಳಿಸಿರುವಂತೆ ಈಗಾಗಲೇ ಖಾಸಗಿ ಸಂಸ್ಥೆಯೊಂದರಲ್ಲಿ ಉದ್ಯೋಗಿಯಾಗಿದ್ದು, ವೇತನ ಆದಾಯವಲ್ಲದೆ ಕೃಷಿ ಭೂಮಿಯಿಂದ ವಿವಿಧ ಕೃಷಿ ಚಟುವಟಿಕೆಗಳಿಗೆ ಸಂಬಂಧಿಸಿದ ಆದಾಯವೂ ಇದೆ ಎಂಬುದನ್ನು ಉಲ್ಲೇಖಿಸಿದ್ದೀರಿ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿ ಅನುಸರಿಸುತ್ತಿದ್ದು, ನಿಮ್ಮ ವೇತನ ಆದಾಯ ಗರಿಷ್ಠ ಆದಾಯ ವಿನಾಯಿತಿ ಮಿತಿಯಾದ ₹3 ಲಕ್ಷಕ್ಕಿಂತ ಅಧಿಕ ಇದೆ. ಕೃಷಿ ಆದಾಯವೂ ₹5 ಲಕ್ಷಕ್ಕಿಂತ ಮೇಲ್ಪಟ್ಟಿರುವುದರಿಂದ ನಿಮ್ಮ ವಾರ್ಷಿಕ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವಾಗ ಕೃಷಿ ಆದಾಯ ಮೊತ್ತವನ್ನೂ  ಅದರಲ್ಲಿ ಪರಿಗಣಿಸಬೇಕಾಗುತ್ತದೆ. ಮುಂದೆ ಅನೇಕ ವರ್ಷದ ಕೃಷಿ ಆದಾಯ ಒಟ್ಟಾಗಿ ನಿಮ್ಮ ಬ್ಯಾಂಕ್ ಖಾತೆಯಲ್ಲಿ ಜಮಾ ಆದಾಗ ಹಾಗೂ ಅವೆಲ್ಲಾ ನಗದು ರೂಪದಲ್ಲೇ ಇರುವ ಕಾರಣ ಅದರ ಮೂಲದ ಬಗ್ಗೆ ಪ್ರಶ್ನೆ ಬರದಂತೆ ಇಂತಹ ಆದಾಯ ಘೋಷಣೆಯು ಕಾನೂನು ಪರಿಧಿಯಲ್ಲಿ ಅನಿವಾರ್ಯ. ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಕೆಗೆ ನಿಮ್ಮ ಸ್ಥಳೀಯ ತೆರಿಗೆ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಕೃಷಿಗೆ ಸಂಬಂಧಿಸಿದ ಆದಾಯ ಯಾವುದು ಎಂಬುದನ್ನು ಆದಾಯ ತೆರಿಗೆ ಸೆಕ್ಷನ್ 2(1ಎ) ಯಲ್ಲಿ ಹೇಳಲಾಗಿದೆ. ಇದಕ್ಕೆ ಸಂಬಂಧಿಸಿದ ವಿನಾಯಿತಿಗಳನ್ನು ಸೆಕ್ಷನ್ 10(1) ರಲ್ಲಿ ಹೇಳಲಾಗಿದೆ. ನಿಮ್ಮ ಎಲ್ಲ ಆದಾಯಗಳೂ ವಿನಾಯಿತಿ ಪರಿಧಿಯಲ್ಲೇ ಇವೆ. ಇನ್ನು ನಿಮ್ಮ ಕೃಷಿಗೆ ಸಂಬಂಧಪಟ್ಟ ಲೆಕ್ಕಪತ್ರದ ನಿರ್ವಹಣೆ ಬಗ್ಗೆ ಹೇಳುವುದಾದರೆ, ಇದು ವಾಣಿಜ್ಯ ವ್ಯವಹಾರದ ಪರಿಮಿತಿಯಲ್ಲಿ ಇಲ್ಲ. ಹಾಗಾಗಿ, ಯಾವುದೇ ಲೆಕ್ಕಪತ್ರ ತಪಾಸಣೆಯ ಅಗತ್ಯ ಇಲ್ಲ. ಆದರೆ, ನೀವು ಘೋಷಿಸುವ ಕೃಷಿ ಆದಾಯ ಸಂದೇಹಾಸ್ಪದವಾಗದ ರೀತಿ ಇರಲಿ. ಇದಕ್ಕಾಗಿ ಬೇಕಾದ ಮಾಹಿತಿ ಹಾಗೂ ದಿನವಹಿ ಲೆಕ್ಕ ಇಟ್ಟುಕೊಳ್ಳಿ.\u003C\u002Fp\u003E\u003Cp\u003Eದೊಡ್ಡ ಮೊತ್ತದ ವ್ಯವಹಾರವನ್ನು ಯಾವತ್ತೂ ಬ್ಯಾಂಕ್ ಮೂಲಕವೇ ನಡೆಸಿ. ಯಾವುದೇ ಸಂದರ್ಭದಲ್ಲಿ ಒಂದೇ ಮಾರಾಟಕ್ಕೆ ಸಂಬಂಧಿಸಿ ₹2 ಲಕ್ಷಕ್ಕಿಂತ ಅಧಿಕ ಮೊತ್ತವನ್ನು ಪಡೆಯದಿರಿ. ಕೃಷಿ ವ್ಯವಹಾರಕ್ಕಾಗಿ ಪ್ರತ್ಯೇಕವಾದ ಬ್ಯಾಂಕ್ ಖಾತೆ ನಿರ್ವಹಿಸಿ ಮಾಹಿತಿ ಇರಿಸುವುದು ಪಾರದರ್ಶಕತೆ ದೃಷ್ಟಿಯಲ್ಲಿ ಉತ್ತಮ ನಡೆ ಆಗಿದೆ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003E\u003Cstrong\u003Eನನಗೆ 30 ವರ್ಷ. \u003C\u002Fstrong\u003Eಖಾಸಗಿ ಸಂಸ್ಥೆಯಲ್ಲಿ ಕೆಲಸ ಮಾಡುತ್ತಿದ್ದೇನೆ. ವಾರ್ಷಿಕ ಆದಾಯ ₹10 ಲಕ್ಷ ಇದೆ. ಇದಕ್ಕೆ ಸಂಸ್ಥೆಯವರು ತೆರಿಗೆ ಕಡಿತ ಮಾಡುತ್ತಿದ್ದಾರೆ. ಈ ಆದಾಯಕ್ಕೆ ನಾನು ಪ್ರತಿವರ್ಷ ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿಯಂತೆ ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುತ್ತಾ ಬಂದಿದ್ದೇನೆ.  \u003C\u002Fp\u003E\u003Cp\u003Eಸುಮಾರು ಐದು ವರ್ಷದ ಹಿಂದೆ ಕೊರಟಗೆರೆ ತಾಲ್ಲೂಕಿನ ಕೋಳಾಲ ಗ್ರಾಮದ ಬಳಿ 9 ಎಕರೆ ಕೃಷಿ ಜಮೀನು ಖರೀದಿಸಿದ್ದೇನೆ. ಪಹಣಿ ಮತ್ತು ಇತರೆ ದಾಖಲೆಗಳು ನನ್ನ ಹೆಸರಲ್ಲಿವೆ. ಇಲ್ಲಿ ಸುಮಾರು 1,000 ಅಡಿಕೆ ಮರ ಹಾಗೂ 450 ತೆಂಗಿನ ಸಸಿಗಳನ್ನು ಬೆಳೆಸುತ್ತಿದ್ದೇನೆ. ಕಾರ್ಮಿಕರನ್ನು ಇದನ್ನು ನೋಡಿಕೊಳ್ಳುತ್ತಾರೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ವರ್ಷ ಅಡಿಕೆ ಮರಗಳು ಫಸಲಿಗೆ ಬಂದಿದ್ದು, ₹4 ಲಕ್ಷ ವಾರ್ಷಿಕ ಮೌಲ್ಯಕ್ಕೆ ಗೇಣಿ ಕೊಟ್ಟಿದ್ದೇನೆ. ಇದರ ಜೊತೆಗೆ ಆಗಾಗ ತರಕಾರಿ ಬೆಳೆದು ಕಾರ್ಮಿಕರ ಮೂಲಕ ಸಗಟು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಮಾರಾಟ ಮಾಡುತ್ತಿದ್ದೇನೆ. ಹೀಗೆ ಈ ವರ್ಷ ಕಂತುಗಳಲ್ಲಿ ಸುಮಾರು ₹5 ಲಕ್ಷ ಕೃಷಿ ಆದಾಯ ಗಳಿಸಿದ್ದೇನೆ. ಈ ಎಲ್ಲವೂ ನಗದು ಮೂಲಕವೇ ವ್ಯವಹಾರ ನಡೆಯುತ್ತಿದೆ. ಈ ಆದಾಯವು ಬರುವ ವರ್ಷಗಳಲ್ಲಿ ಹೆಚ್ಚಾಗುವ ನಿರೀಕ್ಷೆ ಇದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಮ್ಮಿಂದ ಖರೀದಿಸುವ ಅಡಿಕೆ ಮಧ್ಯವರ್ತಿಗಳು ಅಥವಾ ತರಕಾರಿ ಮಧ್ಯವರ್ತಿಗಳು ಅಧಿಕೃತವಾಗಿ ಯಾವುದೇ ರಸೀದಿ ನೀಡುವುದಿಲ್ಲ. ನಾನು ಕೊಡುವ ದಿನಗೂಲಿ ಹಾಗೂ ಇತರೆ ಖರ್ಚನ್ನು ಕೂಡ ನಗದು ಮೂಲಕವೇ ಕೊಡುತ್ತಿದ್ದೇನೆ. ಹೀಗಿರುವಾಗ ಇವೆಲ್ಲವನ್ನು ಮುಂದಿನ ವರ್ಷದ ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್‌ನಲ್ಲಿ ಯಾವ ರೀತಿ ವಿವರ ಸಲ್ಲಿಸಬೇಕು ಎಂಬುದನ್ನು ತಿಳಿಸಬೇಕೆಂದು ಕೋರುತ್ತೇನೆ. ನಾನು ಯಾವ ರೀತಿ ಹಣಕಾಸು ದಾಖಲೆಗಳನ್ನು ನಿರ್ವಹಿಸಬೇಕು? ಇದನ್ನು ಆಡಿಟ್ ಮಾಡಿಸಬೇಕೇ? ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಯಿಂದ ಏನಾದರು ತೊಂದರೆ ಬರಬಹುದೇ?\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003E ನೀವು ಪ್ರಶ್ನೆಯಲ್ಲಿ ತಿಳಿಸಿರುವಂತೆ ಈಗಾಗಲೇ ಖಾಸಗಿ ಸಂಸ್ಥೆಯೊಂದರಲ್ಲಿ ಉದ್ಯೋಗಿಯಾಗಿದ್ದು, ವೇತನ ಆದಾಯವಲ್ಲದೆ ಕೃಷಿ ಭೂಮಿಯಿಂದ ವಿವಿಧ ಕೃಷಿ ಚಟುವಟಿಕೆಗಳಿಗೆ ಸಂಬಂಧಿಸಿದ ಆದಾಯವೂ ಇದೆ ಎಂಬುದನ್ನು ಉಲ್ಲೇಖಿಸಿದ್ದೀರಿ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿ ಅನುಸರಿಸುತ್ತಿದ್ದು, ನಿಮ್ಮ ವೇತನ ಆದಾಯ ಗರಿಷ್ಠ ಆದಾಯ ವಿನಾಯಿತಿ ಮಿತಿಯಾದ ₹3 ಲಕ್ಷಕ್ಕಿಂತ ಅಧಿಕ ಇದೆ. ಕೃಷಿ ಆದಾಯವೂ ₹5 ಲಕ್ಷಕ್ಕಿಂತ ಮೇಲ್ಪಟ್ಟಿರುವುದರಿಂದ ನಿಮ್ಮ ವಾರ್ಷಿಕ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವಾಗ ಕೃಷಿ ಆದಾಯ ಮೊತ್ತವನ್ನೂ  ಅದರಲ್ಲಿ ಪರಿಗಣಿಸಬೇಕಾಗುತ್ತದೆ. ಮುಂದೆ ಅನೇಕ ವರ್ಷದ ಕೃಷಿ ಆದಾಯ ಒಟ್ಟಾಗಿ ನಿಮ್ಮ ಬ್ಯಾಂಕ್ ಖಾತೆಯಲ್ಲಿ ಜಮಾ ಆದಾಗ ಹಾಗೂ ಅವೆಲ್ಲಾ ನಗದು ರೂಪದಲ್ಲೇ ಇರುವ ಕಾರಣ ಅದರ ಮೂಲದ ಬಗ್ಗೆ ಪ್ರಶ್ನೆ ಬರದಂತೆ ಇಂತಹ ಆದಾಯ ಘೋಷಣೆಯು ಕಾನೂನು ಪರಿಧಿಯಲ್ಲಿ ಅನಿವಾರ್ಯ. ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಕೆಗೆ ನಿಮ್ಮ ಸ್ಥಳೀಯ ತೆರಿಗೆ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಕೃಷಿಗೆ ಸಂಬಂಧಿಸಿದ ಆದಾಯ ಯಾವುದು ಎಂಬುದನ್ನು ಆದಾಯ ತೆರಿಗೆ ಸೆಕ್ಷನ್ 2(1ಎ) ಯಲ್ಲಿ ಹೇಳಲಾಗಿದೆ. ಇದಕ್ಕೆ ಸಂಬಂಧಿಸಿದ ವಿನಾಯಿತಿಗಳನ್ನು ಸೆಕ್ಷನ್ 10(1) ರಲ್ಲಿ ಹೇಳಲಾಗಿದೆ. ನಿಮ್ಮ ಎಲ್ಲ ಆದಾಯಗಳೂ ವಿನಾಯಿತಿ ಪರಿಧಿಯಲ್ಲೇ ಇವೆ. ಇನ್ನು ನಿಮ್ಮ ಕೃಷಿಗೆ ಸಂಬಂಧಪಟ್ಟ ಲೆಕ್ಕಪತ್ರದ ನಿರ್ವಹಣೆ ಬಗ್ಗೆ ಹೇಳುವುದಾದರೆ, ಇದು ವಾಣಿಜ್ಯ ವ್ಯವಹಾರದ ಪರಿಮಿತಿಯಲ್ಲಿ ಇಲ್ಲ. ಹಾಗಾಗಿ, ಯಾವುದೇ ಲೆಕ್ಕಪತ್ರ ತಪಾಸಣೆಯ ಅಗತ್ಯ ಇಲ್ಲ. ಆದರೆ, ನೀವು ಘೋಷಿಸುವ ಕೃಷಿ ಆದಾಯ ಸಂದೇಹಾಸ್ಪದವಾಗದ ರೀತಿ ಇರಲಿ. ಇದಕ್ಕಾಗಿ ಬೇಕಾದ ಮಾಹಿತಿ ಹಾಗೂ ದಿನವಹಿ ಲೆಕ್ಕ ಇಟ್ಟುಕೊಳ್ಳಿ.\u003C\u002Fp\u003E\u003Cp\u003Eದೊಡ್ಡ ಮೊತ್ತದ ವ್ಯವಹಾರವನ್ನು ಯಾವತ್ತೂ ಬ್ಯಾಂಕ್ ಮೂಲಕವೇ ನಡೆಸಿ. ಯಾವುದೇ ಸಂದರ್ಭದಲ್ಲಿ ಒಂದೇ ಮಾರಾಟಕ್ಕೆ ಸಂಬಂಧಿಸಿ ₹2 ಲಕ್ಷಕ್ಕಿಂತ ಅಧಿಕ ಮೊತ್ತವನ್ನು ಪಡೆಯದಿರಿ. ಕೃಷಿ ವ್ಯವಹಾರಕ್ಕಾಗಿ ಪ್ರತ್ಯೇಕವಾದ ಬ್ಯಾಂಕ್ ಖಾತೆ ನಿರ್ವಹಿಸಿ ಮಾಹಿತಿ ಇರಿಸುವುದು ಪಾರದರ್ಶಕತೆ ದೃಷ್ಟಿಯಲ್ಲಿ ಉತ್ತಮ ನಡೆ ಆಗಿದೆ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002Ff72ef46d-23a5-47a7-b8c8-ed388c297f09\u002Felement\u002F3dc6e65d-1e78-4892-bc3e-ea5a05acea35","type":"text","family-id":"c9c82eb6-c55b-44c3-a6a3-8d20cdd67e88","title":"","id":"3dc6e65d-1e78-4892-bc3e-ea5a05acea35","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003Eಹಣಕಾಸಿಗೆ ಸಂಬಂಧಿಸಿದ ಪ್ರಶ್ನೆಗಳನ್ನು ಪತ್ರದಲ್ಲಿ (ದೂರವಾಣಿ ಸಂಖ್ಯೆ ಸಹಿತ) ಬರೆದು ಕಳುಹಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eವಿಳಾಸ: ಪ್ರಶ್ನೋತ್ತರ, ವಾಣಿಜ್ಯ ವಿಭಾಗ, ಪ್ರಜಾವಾಣಿ, ನಂ.75, ಮಹಾತ್ಮ ಗಾಂಧಿ ರಸ್ತೆ, ಬೆಂಗಳೂರು–560001.\u003C\u002Fp\u003E\u003Cp\u003Eಇ–ಮೇಲ್‌: businessdesk@prajavani.co.in\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1727207830583,"content-version-id":"2dac8bbc-f84b-4312-b8f2-fb0c5a596a88","card-added-at":1727181937452,"status":"draft","id":"35b88993-019d-4a28-9a3a-23154f9d0d68","content-id":"35b88993-019d-4a28-9a3a-23154f9d0d68","version":23,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ತೆರಿಗೆ ಉಳಿಸುವ ಅವಕಾಶವಿದೆಯೇ?","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-09-24\u002Fsigb86nx\u002Fdownload.jpg","url":null,"attribution":null,"alt-text":null,"caption":null,"metadata":{"width":300,"height":168,"mime-type":"image\u002Fjpeg","file-size":7010,"file-name":"download.jpg","focus-point":[139,43]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fpramod-sreekantha-daitota-answer-for-financial-questions-2980219","story-version-id":"2882756c-1608-44c8-a1cd-704b946dd71c","content-type":"story","content-updated-at":1727218035959,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1727207833078,"hero-image-caption":null,"version":24,"story-template":"syndicated","sequence-no":null,"created-at":1727218033143,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ಪ್ರಶ್ನೋತ್ತರ"]},"imported-card-id":"35b88993-019d-4a28-9a3a-23154f9d0d68","card-share":{"shareable":false}},"publish-at":null,"assignee-name":"syndication"}},{"id":"af8c2a73-63e6-4acf-8954-413078f701db","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ: ಅಂಚೆ ಇಲಾಖೆಯ ಉಳಿತಾಯ ಖಾತೆಯ ₹6 ಲಕ್ಷಕ್ಕೆ ತೆರಿಗೆ ಅನ್ವಯವೇ? "]},"story":{"updated-at":1726620833165,"seo":{"meta-description":"ಷೇರುಗಳಿಂದ ಅಂಚೆ ಇಲಾಖೆಯ ಉಳಿತಾಯ ಖಾತೆಯಲ್ಲಿ ಹಣ ತೊಡಗಿಸಿದಾಗ ₹6 ಲಕ್ಷಕ್ಕೆ ತೆರಿಗೆ ಅನ್ವಯಿಸುತ್ತದೆಯೇ? ಪ್ರಸ್ತುತ ನನ್ನ ಆದಾಯ ₹6,223. ಸಿಗುವ ಹೆಚ್ಚುವರಿ ಬಡ್ಡಿ ಸೇರಿಸಿದರೆ ನನ್ನ ಆದಾಯ ₹10,323 ಆಗಿರಲಿದೆ. ನಾನು ಮೇಲಿನ ಯೋಜನೆಯಂತೆ ಮುಂದುವರಿಯಬಹುದೇ?","meta-keywords":["Business","Investment","Post office"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5510710,"name":"Investment","meta-description":null,"meta-title":null,"slug":"investment","tag-type":"Tag"},{"id":5511443,"name":"Business","meta-description":null,"meta-title":null,"slug":"business","tag-type":"Tag"},{"id":5514017,"name":"Post office","meta-description":null,"meta-title":null,"slug":"post-office","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ಅಂಚೆ ಇಲಾಖೆಯ ಉಳಿತಾಯ ಖಾತೆಯ ₹6 ಲಕ್ಷಕ್ಕೆ ತೆರಿಗೆ ಅನ್ವಯವೇ? ","storyline-id":null,"votes":{},"story-content-id":"af8c2a73-63e6-4acf-8954-413078f701db","slug":"business\u002Fprashnottara\u002Fis-tax-applicable-on-6-lakh-in-postal-department-savings-account-2970587","last-published-at":1726620835903,"public-identifier":"2970587","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1726576228107,"is-embargoed":false,"owner-name":"syndication","custom-slug":"Is tax applicable on ₹6 lakh in postal department savings account?","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"focus-point":[244,98],"width":452,"height":274},"comments":null,"word-count":542,"story-features":null,"entities":{},"published-at":1726620835903,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7x7zn991evn1d6vz1gb","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"af8c2a73-63e6-4acf-8954-413078f701db","hero-image-s3-key":"prajavani\u002Fimport\u002Fsites\u002Fpv\u002Ffiles\u002Farticle_images\u002F2017\u002F11\u002F22\u002Ffile6xmz670otyw1dj18wd23.jpg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002Faf8c2a73-63e6-4acf-8954-413078f701db\u002Felement\u002F7a447296-ccfe-4eb5-8bac-337f14f3b050","type":"text","family-id":"73e71292-66df-43fb-9434-9cf9b823b33a","title":"","id":"7a447296-ccfe-4eb5-8bac-337f14f3b050","metadata":{},"subtype":null,"text":" \u003Cp\u003Eವಿಷ್ಣು, ಬೆತ್ತಗೇರಿ.  \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Faf8c2a73-63e6-4acf-8954-413078f701db\u002Felement\u002F3d2f037e-42f6-4b32-bfd5-0aa90453298d","type":"text","family-id":"867e7651-831a-40e4-9cb7-9ff0ef3b301f","title":"","id":"3d2f037e-42f6-4b32-bfd5-0aa90453298d","metadata":{"question":"\u003Cp\u003Eನಾನು ಸುಮಾರು 35 ವರ್ಷ ರಾಜ್ಯ ರಸ್ತೆ ಸಾರಿಗೆ ನಿಗಮದಲ್ಲಿ ಸೇವೆ ಸಲ್ಲಿಸಿ 2002ರ ಡಿಸೆಂಬರ್‌ನಲ್ಲಿ ಸ್ವಯಂ ನಿವೃತ್ತಿ ಪಡೆದಿದ್ದೇನೆ. ನನಗೆ 77 ವರ್ಷ. ಆ ಸಂದರ್ಭದಲ್ಲಿ ನನಗೆ ಒಟ್ಟು ₹ 7 ಲಕ್ಷ ನೀಡಲಾಗಿತ್ತು. ಶೇ 20ರಷ್ಟು ಅಂಚೆಯಲ್ಲಿ, ಶೇ 20ರಷ್ಟು ಕಂಪನಿ ಷೇರುಗಳಲ್ಲಿ (ಈಕ್ವಿಟಿ) ಮತ್ತು ಶೇ 20ರಷ್ಟು ಅಟಲ್ ಪ್ರಧಾನ ಮಂತ್ರಿ ಯೋಜನೆಯಲ್ಲಿ ತೊಡಗಿಸಿದ್ದೆ. ಕಾಲಕ್ರಮೇಣ ಅಂಚೆಯಲ್ಲಿರುವ ಹೂಡಿಕೆಯನ್ನು ಎಲ್‌ಐಸಿಯಲ್ಲಿ (ಈಗಿನ ಪ್ರಧಾನಮಂತ್ರಿ ವಯೋವಂದನ) ತೊಡಗಿಸಿ ಪ್ರತಿ ತಿಂಗಳು ₹5,184 ಪಡೆಯುತ್ತಿದ್ದೇನೆ. ಷೇರುಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿದ ಹಣವು ಗಣನೀಯವಾಗಿ ಏರಿಕೆಯಾಗಿದೆ. ಆದ್ದರಿಂದ ಅದರಲ್ಲಿರುವ ಶೇ 20ರಷ್ಟು (ಅಂದರೆ ₹6 ಲಕ್ಷ) ಹಣವನ್ನು ಅಂಚೆ ಇಲಾಖೆಯ ಹಿರಿಯ ನಾಗರಿಕರ ಉಳಿತಾಯ ಯೋಜನೆಯಡಿ (ಶೇ 8.2 ಬಡ್ಡಿ) ತೊಡಗಿಸಬೇಕೆಂದು ಆಲೋಚಿಸಿದ್ದೇನೆ. ಅದರಿಂದ ತಿಂಗಳಿಗೆ ₹4,100 ಹೆಚ್ಚುವರಿಯಾಗಿ ಆದಾಯ ಬರುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ ಷೇರುಗಳಿಂದ ಅಂಚೆ ಇಲಾಖೆಯ ಉಳಿತಾಯ ಖಾತೆಯಲ್ಲಿ ಹಣ ತೊಡಗಿಸಿದಾಗ ₹6 ಲಕ್ಷಕ್ಕೆ ತೆರಿಗೆ ಅನ್ವಯಿಸುತ್ತದೆಯೇ? ಪ್ರಸ್ತುತ ನನ್ನ ಆದಾಯ ₹6,223. ಸಿಗುವ ಹೆಚ್ಚುವರಿ ಬಡ್ಡಿ ಸೇರಿಸಿದರೆ ನನ್ನ ಆದಾಯ ₹10,323 ಆಗಿರಲಿದೆ. ನಾನು ಮೇಲಿನ ಯೋಜನೆಯಂತೆ ಮುಂದುವರಿಯಬಹುದೇ? ಈ ವಿಚಾರದಲ್ಲಿ ಅನ್ವಯವಾಗುವ ತೆರಿಗೆ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ.\u003C\u002Fp\u003E","answer":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ: \u003C\u002Fstrong\u003Eಷೇರುಗಳಲ್ಲಿನ ನಿಮ್ಮ ಹೂಡಿಕೆ ದೀರ್ಘಾವಧಿ (12 ತಿಂಗಳಿಗೂ ಮೇಲ್ಪಟ್ಟು) ಹೂಡಿಕೆ. ಹೀಗಾಗಿ ಪ್ರಸ್ತುತ ಬಜೆಟ್ ಬದಲಾವಣೆಯ ನಂತರ ನೀವು ವಾರ್ಷಿಕವಾಗಿ ₹1.25 ಲಕ್ಷಕ್ಕಿಂತ ಅಧಿಕ ಲಾಭ ಗಳಿಸಿದಾಗ ಹೆಚ್ಚುವರಿ ಲಾಭದ ಮೊತ್ತಕ್ಕೆ ಶೇ 12.5ರಷ್ಟು ತೆರಿಗೆ ಅನ್ವಯವಾಗುತ್ತದೆ. ನಿಮ್ಮ ಅಸಲು ಮೊತ್ತವು ಪ್ರಶ್ನೆಯಲ್ಲಿ ತಿಳಿಸಿದಂತೆ ₹7 ಲಕ್ಷದ ಶೇ 20ರಷ್ಟಿದೆ. ಅಂದರೆ ₹1.40 ಲಕ್ಷ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ಮೊತ್ತ ಪ್ರಸ್ತುತ ₹6 ಲಕ್ಷ ಆಗಿದ್ದರೆ ಖಂಡಿತ ಲಾಭದ ಮೇಲೆ ವಿನಾಯಿತಿ ಕಳೆದು ಉಳಿದ ಮೊತ್ತಕ್ಕೆ ದೀರ್ಘಾವಧಿ ಲಾಭದ ತೆರಿಗೆ ಇದೆ. ಆದರೆ ಈಗಿನ ಆದಾಯ, ನಿಮ್ಮ ವಯಸ್ಸು ಹಾಗೂ ಗರಿಷ್ಠ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಮಿತಿ ಇತ್ಯಾದಿ ಪರಿಗಣಿಸಿ ಒಟ್ಟಾರೆ ತೆರಿಗೆ ಬರದಿರುವ ಸಾಧ್ಯತೆಯೇ ಅಧಿಕ. ನಿಮ್ಮ ನಿಖರ ಮಾಹಿತಿಯನ್ನು ಯಾವುದೇ ಸಮೀಪದ ತೆರಿಗೆ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸಿ ಲೆಕ್ಕ ಹಾಕಿಸಿಕೊಳ್ಳಿ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಮುಖ್ಯ ಪ್ರಶ್ನೆಯಲ್ಲಿ ಕೇಳಿರುವಂತೆ ವಿವಿಧ ಹೂಡಿಕೆಗಳಲ್ಲಿ ನಿಮ್ಮ ಹಣ ಈಗಾಗಲೇ ಇದ್ದು ಹೊಸ ಹೂಡಿಕೆಗೆ ವರ್ಗಾಯಿಸುವ ಉದ್ದೇಶ ಹೊಂದಿದ್ದೀರಿ. ಇದು ನಿಮ್ಮ ಅಗತ್ಯಕ್ಕೆ ಸಂಬಂಧಿಸಿ ನಿರ್ಧಾರವಾಗುತ್ತದೆ. ನಿಮ್ಮ ಉದ್ದೇಶ ಯಾವುದೇ ಆರ್ಥಿಕ ಅಪಾಯಗಳಿಗೆ ಈಡಾಗದೆ ಕೇವಲ ತಿಂಗಳ ಬಡ್ಡಿ ಮಾತ್ರ ಪಡೆಯುವುದಾಗಿದ್ದರೆ, ಸಂಪೂರ್ಣ ಮೊತ್ತವನ್ನು ನೀವು ಅಂದುಕೊಂಡಂತೆ ಅಂಚೆ ಯೋಜನೆಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೆಚ್ಚು ಸಮಂಜಸ.\u003C\u002Fp\u003E\u003Cp\u003Eಅದರ ಬದಲು ಅಷ್ಟೇ ಅವಧಿಯಲ್ಲಿ ಮಾರುಕಟ್ಟೆ ಅಪಾಯಗಳನ್ನು ಗ್ರಹಿಸಿ, ಉತ್ತಮ ಲಾಭ ಗಳಿಸುವುದಾಗಿದ್ದರೆ ನೀವು ಕೇವಲ ನಿಶ್ಚಿತ ಬಡ್ಡಿ ಬರುವ ಅಂಚೆ ಇಲಾಖೆಯ ಹಿರಿಯ ನಾಗರಿಕರ ಠೇವಣಿಗಳಲ್ಲಿ ಮಾತ್ರವಲ್ಲದೆ ಪರ್ಯಾಯವಾಗಿ ಅದೇ ಮೊತ್ತವನ್ನು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲೂ ಪ್ರತಿ ತಿಂಗಳು ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಒಂದು ಹಂತದ ಹೂಡಿಕೆ ಮಾಡಿದ ತರುವಾಯ ಆ ಸಂಚಿತ ಹೂಡಿಕೆಯನ್ನು ಲಾಭ ಸಹಿತ ಪ್ರತಿ ತಿಂಗಳ ನಿಗದಿತ ದಿನಾಂಕದಂದು ಕಂತಿನಲ್ಲಿ ಹಿಂಪಡೆಯಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eಉದಾಹರಣೆಗೆ ಸತತ ತಿಂಗಳಿಗೆ ₹10 ಸಾವಿರದಂತೆ ಮುಂದಿನ 3 ವರ್ಷ ಹೂಡಿಕೆ ಮಾಡಿ ತದನಂತರ ಅಸಲು ಲಾಭ ಸೇರಿ ವೃದ್ಧಿಯಾದ ಮೊತ್ತ ಶೂನ್ಯ ಆಗುವ ತನಕ ನಗದೀಕರಿಸುವ ಅವಕಾಶ ಇದೆ. ಈ ಮೊತ್ತವನ್ನು ಉತ್ತಮವಾದ ಐದು ಪ್ರತ್ಯೇಕ ಈಕ್ವಿಟಿ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ. ಹೂಡಬಹುದಾದ ಮೊತ್ತವನ್ನು ನೀವೇ ನಿಮ್ಮ ಅನುಕೂಲಕ್ಕೆ ಸರಿಹೊಂದುವಂತೆ ನಿರ್ಧರಿಸಿ ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ನಿರಂತರ ಲಾಭಗಳಿಸಬಹುದು.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಸುಮಾರು 35 ವರ್ಷ ರಾಜ್ಯ ರಸ್ತೆ ಸಾರಿಗೆ ನಿಗಮದಲ್ಲಿ ಸೇವೆ ಸಲ್ಲಿಸಿ 2002ರ ಡಿಸೆಂಬರ್‌ನಲ್ಲಿ ಸ್ವಯಂ ನಿವೃತ್ತಿ ಪಡೆದಿದ್ದೇನೆ. ನನಗೆ 77 ವರ್ಷ. ಆ ಸಂದರ್ಭದಲ್ಲಿ ನನಗೆ ಒಟ್ಟು ₹ 7 ಲಕ್ಷ ನೀಡಲಾಗಿತ್ತು. ಶೇ 20ರಷ್ಟು ಅಂಚೆಯಲ್ಲಿ, ಶೇ 20ರಷ್ಟು ಕಂಪನಿ ಷೇರುಗಳಲ್ಲಿ (ಈಕ್ವಿಟಿ) ಮತ್ತು ಶೇ 20ರಷ್ಟು ಅಟಲ್ ಪ್ರಧಾನ ಮಂತ್ರಿ ಯೋಜನೆಯಲ್ಲಿ ತೊಡಗಿಸಿದ್ದೆ. ಕಾಲಕ್ರಮೇಣ ಅಂಚೆಯಲ್ಲಿರುವ ಹೂಡಿಕೆಯನ್ನು ಎಲ್‌ಐಸಿಯಲ್ಲಿ (ಈಗಿನ ಪ್ರಧಾನಮಂತ್ರಿ ವಯೋವಂದನ) ತೊಡಗಿಸಿ ಪ್ರತಿ ತಿಂಗಳು ₹5,184 ಪಡೆಯುತ್ತಿದ್ದೇನೆ. ಷೇರುಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿದ ಹಣವು ಗಣನೀಯವಾಗಿ ಏರಿಕೆಯಾಗಿದೆ. ಆದ್ದರಿಂದ ಅದರಲ್ಲಿರುವ ಶೇ 20ರಷ್ಟು (ಅಂದರೆ ₹6 ಲಕ್ಷ) ಹಣವನ್ನು ಅಂಚೆ ಇಲಾಖೆಯ ಹಿರಿಯ ನಾಗರಿಕರ ಉಳಿತಾಯ ಯೋಜನೆಯಡಿ (ಶೇ 8.2 ಬಡ್ಡಿ) ತೊಡಗಿಸಬೇಕೆಂದು ಆಲೋಚಿಸಿದ್ದೇನೆ. ಅದರಿಂದ ತಿಂಗಳಿಗೆ ₹4,100 ಹೆಚ್ಚುವರಿಯಾಗಿ ಆದಾಯ ಬರುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ ಷೇರುಗಳಿಂದ ಅಂಚೆ ಇಲಾಖೆಯ ಉಳಿತಾಯ ಖಾತೆಯಲ್ಲಿ ಹಣ ತೊಡಗಿಸಿದಾಗ ₹6 ಲಕ್ಷಕ್ಕೆ ತೆರಿಗೆ ಅನ್ವಯಿಸುತ್ತದೆಯೇ? ಪ್ರಸ್ತುತ ನನ್ನ ಆದಾಯ ₹6,223. ಸಿಗುವ ಹೆಚ್ಚುವರಿ ಬಡ್ಡಿ ಸೇರಿಸಿದರೆ ನನ್ನ ಆದಾಯ ₹10,323 ಆಗಿರಲಿದೆ. ನಾನು ಮೇಲಿನ ಯೋಜನೆಯಂತೆ ಮುಂದುವರಿಯಬಹುದೇ? ಈ ವಿಚಾರದಲ್ಲಿ ಅನ್ವಯವಾಗುವ ತೆರಿಗೆ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ: \u003C\u002Fstrong\u003Eಷೇರುಗಳಲ್ಲಿನ ನಿಮ್ಮ ಹೂಡಿಕೆ ದೀರ್ಘಾವಧಿ (12 ತಿಂಗಳಿಗೂ ಮೇಲ್ಪಟ್ಟು) ಹೂಡಿಕೆ. ಹೀಗಾಗಿ ಪ್ರಸ್ತುತ ಬಜೆಟ್ ಬದಲಾವಣೆಯ ನಂತರ ನೀವು ವಾರ್ಷಿಕವಾಗಿ ₹1.25 ಲಕ್ಷಕ್ಕಿಂತ ಅಧಿಕ ಲಾಭ ಗಳಿಸಿದಾಗ ಹೆಚ್ಚುವರಿ ಲಾಭದ ಮೊತ್ತಕ್ಕೆ ಶೇ 12.5ರಷ್ಟು ತೆರಿಗೆ ಅನ್ವಯವಾಗುತ್ತದೆ. ನಿಮ್ಮ ಅಸಲು ಮೊತ್ತವು ಪ್ರಶ್ನೆಯಲ್ಲಿ ತಿಳಿಸಿದಂತೆ ₹7 ಲಕ್ಷದ ಶೇ 20ರಷ್ಟಿದೆ. ಅಂದರೆ ₹1.40 ಲಕ್ಷ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ಮೊತ್ತ ಪ್ರಸ್ತುತ ₹6 ಲಕ್ಷ ಆಗಿದ್ದರೆ ಖಂಡಿತ ಲಾಭದ ಮೇಲೆ ವಿನಾಯಿತಿ ಕಳೆದು ಉಳಿದ ಮೊತ್ತಕ್ಕೆ ದೀರ್ಘಾವಧಿ ಲಾಭದ ತೆರಿಗೆ ಇದೆ. ಆದರೆ ಈಗಿನ ಆದಾಯ, ನಿಮ್ಮ ವಯಸ್ಸು ಹಾಗೂ ಗರಿಷ್ಠ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಮಿತಿ ಇತ್ಯಾದಿ ಪರಿಗಣಿಸಿ ಒಟ್ಟಾರೆ ತೆರಿಗೆ ಬರದಿರುವ ಸಾಧ್ಯತೆಯೇ ಅಧಿಕ. ನಿಮ್ಮ ನಿಖರ ಮಾಹಿತಿಯನ್ನು ಯಾವುದೇ ಸಮೀಪದ ತೆರಿಗೆ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸಿ ಲೆಕ್ಕ ಹಾಕಿಸಿಕೊಳ್ಳಿ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಮುಖ್ಯ ಪ್ರಶ್ನೆಯಲ್ಲಿ ಕೇಳಿರುವಂತೆ ವಿವಿಧ ಹೂಡಿಕೆಗಳಲ್ಲಿ ನಿಮ್ಮ ಹಣ ಈಗಾಗಲೇ ಇದ್ದು ಹೊಸ ಹೂಡಿಕೆಗೆ ವರ್ಗಾಯಿಸುವ ಉದ್ದೇಶ ಹೊಂದಿದ್ದೀರಿ. ಇದು ನಿಮ್ಮ ಅಗತ್ಯಕ್ಕೆ ಸಂಬಂಧಿಸಿ ನಿರ್ಧಾರವಾಗುತ್ತದೆ. ನಿಮ್ಮ ಉದ್ದೇಶ ಯಾವುದೇ ಆರ್ಥಿಕ ಅಪಾಯಗಳಿಗೆ ಈಡಾಗದೆ ಕೇವಲ ತಿಂಗಳ ಬಡ್ಡಿ ಮಾತ್ರ ಪಡೆಯುವುದಾಗಿದ್ದರೆ, ಸಂಪೂರ್ಣ ಮೊತ್ತವನ್ನು ನೀವು ಅಂದುಕೊಂಡಂತೆ ಅಂಚೆ ಯೋಜನೆಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೆಚ್ಚು ಸಮಂಜಸ.\u003C\u002Fp\u003E\u003Cp\u003Eಅದರ ಬದಲು ಅಷ್ಟೇ ಅವಧಿಯಲ್ಲಿ ಮಾರುಕಟ್ಟೆ ಅಪಾಯಗಳನ್ನು ಗ್ರಹಿಸಿ, ಉತ್ತಮ ಲಾಭ ಗಳಿಸುವುದಾಗಿದ್ದರೆ ನೀವು ಕೇವಲ ನಿಶ್ಚಿತ ಬಡ್ಡಿ ಬರುವ ಅಂಚೆ ಇಲಾಖೆಯ ಹಿರಿಯ ನಾಗರಿಕರ ಠೇವಣಿಗಳಲ್ಲಿ ಮಾತ್ರವಲ್ಲದೆ ಪರ್ಯಾಯವಾಗಿ ಅದೇ ಮೊತ್ತವನ್ನು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲೂ ಪ್ರತಿ ತಿಂಗಳು ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಒಂದು ಹಂತದ ಹೂಡಿಕೆ ಮಾಡಿದ ತರುವಾಯ ಆ ಸಂಚಿತ ಹೂಡಿಕೆಯನ್ನು ಲಾಭ ಸಹಿತ ಪ್ರತಿ ತಿಂಗಳ ನಿಗದಿತ ದಿನಾಂಕದಂದು ಕಂತಿನಲ್ಲಿ ಹಿಂಪಡೆಯಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eಉದಾಹರಣೆಗೆ ಸತತ ತಿಂಗಳಿಗೆ ₹10 ಸಾವಿರದಂತೆ ಮುಂದಿನ 3 ವರ್ಷ ಹೂಡಿಕೆ ಮಾಡಿ ತದನಂತರ ಅಸಲು ಲಾಭ ಸೇರಿ ವೃದ್ಧಿಯಾದ ಮೊತ್ತ ಶೂನ್ಯ ಆಗುವ ತನಕ ನಗದೀಕರಿಸುವ ಅವಕಾಶ ಇದೆ. ಈ ಮೊತ್ತವನ್ನು ಉತ್ತಮವಾದ ಐದು ಪ್ರತ್ಯೇಕ ಈಕ್ವಿಟಿ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ. ಹೂಡಬಹುದಾದ ಮೊತ್ತವನ್ನು ನೀವೇ ನಿಮ್ಮ ಅನುಕೂಲಕ್ಕೆ ಸರಿಹೊಂದುವಂತೆ ನಿರ್ಧರಿಸಿ ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ನಿರಂತರ ಲಾಭಗಳಿಸಬಹುದು.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002Faf8c2a73-63e6-4acf-8954-413078f701db\u002Felement\u002F6a46a37a-ddf7-421b-bc38-12cc0066ac47","type":"text","family-id":"7ab2decf-3231-435d-ba36-fbe7bed90a66","title":"","id":"6a46a37a-ddf7-421b-bc38-12cc0066ac47","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಎಂ. ದೊಡ್ಡಸಿದ್ದಯ್ಯ, ಮೈಸೂರು.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Faf8c2a73-63e6-4acf-8954-413078f701db\u002Felement\u002F1b16fd83-131c-411b-8442-23c34998da5d","type":"text","family-id":"ca1deffd-15b6-4924-9e47-efa4b2f310e6","title":"","id":"1b16fd83-131c-411b-8442-23c34998da5d","metadata":{"question":"\u003Cp\u003Eನಾನು ನಿವೃತ್ತಿ ಹೊಂದಿದ್ದು, ನನಗೆ 79 ವರ್ಷ. ಆರ್ಥಿಕ ವರ್ಷ 2023-24ರ ಸಾಲಿಗೆ ಸಂಬಂಧಿಸಿ ನನ್ನ ಆದಾಯ ಈ ರೀತಿ ಇದೆ. ನಿವೃತ್ತಿ ವೇತನ ₹5.24 ಲಕ್ಷ, ಬ್ಯಾಂಕ್ ಠೇವಣಿ ಮೇಲಿನ ಬಡ್ಡಿ ₹3.70 ಲಕ್ಷ, ಎನ್‌ಎಸ್‌ಸಿ ಬಡ್ಡಿ ₹1.30 ಲಕ್ಷ, ವ್ಯವಸಾಯದಿಂದ ಖರ್ಚು ಕಳೆದು ಬಂದ ಆದಾಯ ₹3.22 ಲಕ್ಷ, ಷೇರು ಡಿವಿಡೆಂಡ್ ಇತ್ಯಾದಿಗಳಿಂದ ₹680. ಹೀಗೆ ಒಟ್ಟಾರೆ ₹13.46 ಲಕ್ಷ ಆದಾಯವಿದೆ. ಹೂಡಿಕೆಯಾಗಿ ₹1.50 ಲಕ್ಷ ಎನ್‌ಎಸ್‌ಸಿಯಲ್ಲಿ ಠೇವಣಿ ಮಾಡಿರುತ್ತೇನೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ಮೊತ್ತಕ್ಕೆ ಟಿಡಿಎಸ್ ಆಗಿರುವುದಿಲ್ಲ. ಮೇಲ್ಕಂಡ ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ಹೇಗೆ ಅನ್ವಯವಾಗುತ್ತದೆ ಎಂಬುದನ್ನು ತಿಳಿಯಬೇಕಿತ್ತು. ವ್ಯವಸಾಯದಿಂದ ಬಂದ ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ಇಲ್ಲ ಎಂಬುದನ್ನು ನಾನು ಕೇಳಿರುತ್ತೇನೆ. ಈ ಮೊತ್ತಕ್ಕೆ ಏನಾದರೂ ಮಿತಿ ಇದೆಯೇ ಹಾಗೂ ಇದಕ್ಕೆ ತೆರಿಗೆ ಕಟ್ಟಬೇಕಾಗುತ್ತದೆಯೇ? ನಾನು ಯಾವ ತೆರಿಗೆ ಪದ್ಧತಿ ಆಯ್ಕೆ ಮಾಡಿಕೊಳ್ಳಬೇಕು?\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eಆದಾಯ ತೆರಿಗೆ ನಿಯಮದಡಿ ಕೃಷಿಯಿಂದ ಬಂದ ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ಇಲ್ಲ ಎಂಬುದನ್ನು ಆದಾಯ ತೆರಿಗೆಯ ಸೆಕ್ಷನ್ 10(1) ಅಡಿ ಉಲ್ಲೇಖಿಸಲಾಗಿದೆ. ಆದರೆ, ಈ ಆದಾಯ ಇರುವವರು ಇತರೆ ಆದಾಯವನ್ನೂ ಹೊಂದಿದ್ದಾಗ, ಪಾವತಿಸಬೇಕಾದ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕಲು ಕೃಷಿಯೇತರ ಆದಾಯಗಳೊಡನೆ ಕೃಷಿ ಆದಾಯ ಸಹಿತವಾಗಿ ಹಾಗೂ ಕೇವಲ ಕೃಷಿ ಆದಾಯದೊಡನೆ ಗರಿಷ್ಠ ಆದಾಯ ವಿನಾಯಿತಿ ಮೊತ್ತ ಸೇರಿಸಿ ಪ್ರತ್ಯೇಕವಾಗಿ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕಬೇಕಾಗಿರುತ್ತದೆ. ಇವುಗಳ ನಡುವಣ ವ್ಯತ್ಯಾಸವನ್ನಷ್ಟೇ ತೆರಿಗೆಗೊಳಪಡಿಸಲಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eವರ್ಷದಲ್ಲಿ ₹5,000ಕ್ಕಿಂತ ಅಧಿಕ ಕೃಷಿ ಆದಾಯ ಇದ್ದಾಗ ಈ ವಿಧಾನ ಅನುಸರಿಸಬೇಕಾಗುತ್ತದೆ. ಈ ಮೊತ್ತಕ್ಕಿಂತ ಅಧಿಕ ಕೃಷಿ ಆದಾಯ ಇದ್ದಾಗ ತೆರಿಗೆ ನಿಯಮಗಳ ಅನ್ವಯ ಅದನ್ನು ರಿಟರ್ನ್ಸ್‌ಗಳಲ್ಲಿ ಉಲ್ಲೇಖಿಸಬೇಕಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ ಈಗಾಗಲೇ ಆರ್ಥಿಕ ವರ್ಷ 2023-24ರ ಆದಾಯಕ್ಕೆ ಸಂಬಂಧಿಸಿ ಐಟಿಆರ್ ಸಲ್ಲಿಸುವ ಉದ್ದೇಶ ಹೊಂದಿ ಈ ವಿಚಾರವಾಗಿ ಪ್ರಶ್ನೆ ಕೇಳಿರುತ್ತೀರಿ ಎಂದು ಊಹಿಸಲಾಗಿದೆ. ಒಂದು ವೇಳೆ ನೀವು ಐಟಿಆರ್ ಸಲ್ಲಿಸದೆ ಇದ್ದರೆ ಈ ಕೂಡಲೇ ಸಲ್ಲಿಸಿ. ತೆರಿಗೆ ಅಲ್ಲದೆ ಹೆಚ್ಚುವರಿ ಶುಲ್ಕ ₹5 ಸಾವಿರ ಪಾವತಿಸಿ ತಡವಾಗಿಯಾದರೂ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಲು ಡಿಸೆಂಬರ್ 31ರ ತನಕ ಅವಕಾಶವಿದೆ. ತೆರಿಗೆ ಈ ಹಿಂದೆ ಕಡಿತ ಆಗದಿದ್ದರೆ ಎಲ್ಲಾ ಮೊತ್ತವನ್ನು ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವಾಗ ಪಾವತಿ ಮಾಡಬೇಕಾಗುತ್ತದೆ. ನಿಮ್ಮ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಲು ತೆರಿಗೆ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸಿ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ನಿವೃತ್ತಿ ಹೊಂದಿದ್ದು, ನನಗೆ 79 ವರ್ಷ. ಆರ್ಥಿಕ ವರ್ಷ 2023-24ರ ಸಾಲಿಗೆ ಸಂಬಂಧಿಸಿ ನನ್ನ ಆದಾಯ ಈ ರೀತಿ ಇದೆ. ನಿವೃತ್ತಿ ವೇತನ ₹5.24 ಲಕ್ಷ, ಬ್ಯಾಂಕ್ ಠೇವಣಿ ಮೇಲಿನ ಬಡ್ಡಿ ₹3.70 ಲಕ್ಷ, ಎನ್‌ಎಸ್‌ಸಿ ಬಡ್ಡಿ ₹1.30 ಲಕ್ಷ, ವ್ಯವಸಾಯದಿಂದ ಖರ್ಚು ಕಳೆದು ಬಂದ ಆದಾಯ ₹3.22 ಲಕ್ಷ, ಷೇರು ಡಿವಿಡೆಂಡ್ ಇತ್ಯಾದಿಗಳಿಂದ ₹680. ಹೀಗೆ ಒಟ್ಟಾರೆ ₹13.46 ಲಕ್ಷ ಆದಾಯವಿದೆ. ಹೂಡಿಕೆಯಾಗಿ ₹1.50 ಲಕ್ಷ ಎನ್‌ಎಸ್‌ಸಿಯಲ್ಲಿ ಠೇವಣಿ ಮಾಡಿರುತ್ತೇನೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಈ ಮೊತ್ತಕ್ಕೆ ಟಿಡಿಎಸ್ ಆಗಿರುವುದಿಲ್ಲ. ಮೇಲ್ಕಂಡ ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ಹೇಗೆ ಅನ್ವಯವಾಗುತ್ತದೆ ಎಂಬುದನ್ನು ತಿಳಿಯಬೇಕಿತ್ತು. ವ್ಯವಸಾಯದಿಂದ ಬಂದ ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ಇಲ್ಲ ಎಂಬುದನ್ನು ನಾನು ಕೇಳಿರುತ್ತೇನೆ. ಈ ಮೊತ್ತಕ್ಕೆ ಏನಾದರೂ ಮಿತಿ ಇದೆಯೇ ಹಾಗೂ ಇದಕ್ಕೆ ತೆರಿಗೆ ಕಟ್ಟಬೇಕಾಗುತ್ತದೆಯೇ? ನಾನು ಯಾವ ತೆರಿಗೆ ಪದ್ಧತಿ ಆಯ್ಕೆ ಮಾಡಿಕೊಳ್ಳಬೇಕು?\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eಆದಾಯ ತೆರಿಗೆ ನಿಯಮದಡಿ ಕೃಷಿಯಿಂದ ಬಂದ ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ಇಲ್ಲ ಎಂಬುದನ್ನು ಆದಾಯ ತೆರಿಗೆಯ ಸೆಕ್ಷನ್ 10(1) ಅಡಿ ಉಲ್ಲೇಖಿಸಲಾಗಿದೆ. ಆದರೆ, ಈ ಆದಾಯ ಇರುವವರು ಇತರೆ ಆದಾಯವನ್ನೂ ಹೊಂದಿದ್ದಾಗ, ಪಾವತಿಸಬೇಕಾದ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕಲು ಕೃಷಿಯೇತರ ಆದಾಯಗಳೊಡನೆ ಕೃಷಿ ಆದಾಯ ಸಹಿತವಾಗಿ ಹಾಗೂ ಕೇವಲ ಕೃಷಿ ಆದಾಯದೊಡನೆ ಗರಿಷ್ಠ ಆದಾಯ ವಿನಾಯಿತಿ ಮೊತ್ತ ಸೇರಿಸಿ ಪ್ರತ್ಯೇಕವಾಗಿ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕಬೇಕಾಗಿರುತ್ತದೆ. ಇವುಗಳ ನಡುವಣ ವ್ಯತ್ಯಾಸವನ್ನಷ್ಟೇ ತೆರಿಗೆಗೊಳಪಡಿಸಲಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eವರ್ಷದಲ್ಲಿ ₹5,000ಕ್ಕಿಂತ ಅಧಿಕ ಕೃಷಿ ಆದಾಯ ಇದ್ದಾಗ ಈ ವಿಧಾನ ಅನುಸರಿಸಬೇಕಾಗುತ್ತದೆ. ಈ ಮೊತ್ತಕ್ಕಿಂತ ಅಧಿಕ ಕೃಷಿ ಆದಾಯ ಇದ್ದಾಗ ತೆರಿಗೆ ನಿಯಮಗಳ ಅನ್ವಯ ಅದನ್ನು ರಿಟರ್ನ್ಸ್‌ಗಳಲ್ಲಿ ಉಲ್ಲೇಖಿಸಬೇಕಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ ಈಗಾಗಲೇ ಆರ್ಥಿಕ ವರ್ಷ 2023-24ರ ಆದಾಯಕ್ಕೆ ಸಂಬಂಧಿಸಿ ಐಟಿಆರ್ ಸಲ್ಲಿಸುವ ಉದ್ದೇಶ ಹೊಂದಿ ಈ ವಿಚಾರವಾಗಿ ಪ್ರಶ್ನೆ ಕೇಳಿರುತ್ತೀರಿ ಎಂದು ಊಹಿಸಲಾಗಿದೆ. ಒಂದು ವೇಳೆ ನೀವು ಐಟಿಆರ್ ಸಲ್ಲಿಸದೆ ಇದ್ದರೆ ಈ ಕೂಡಲೇ ಸಲ್ಲಿಸಿ. ತೆರಿಗೆ ಅಲ್ಲದೆ ಹೆಚ್ಚುವರಿ ಶುಲ್ಕ ₹5 ಸಾವಿರ ಪಾವತಿಸಿ ತಡವಾಗಿಯಾದರೂ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಲು ಡಿಸೆಂಬರ್ 31ರ ತನಕ ಅವಕಾಶವಿದೆ. ತೆರಿಗೆ ಈ ಹಿಂದೆ ಕಡಿತ ಆಗದಿದ್ದರೆ ಎಲ್ಲಾ ಮೊತ್ತವನ್ನು ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವಾಗ ಪಾವತಿ ಮಾಡಬೇಕಾಗುತ್ತದೆ. ನಿಮ್ಮ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಲು ತೆರಿಗೆ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1726620828042,"content-version-id":"0370db48-4099-4c95-b410-c16d604fc9a5","card-added-at":1726576228331,"status":"draft","id":"9b5f10ed-3754-4b6a-9775-c254dcd3331a","content-id":"9b5f10ed-3754-4b6a-9775-c254dcd3331a","version":6,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ಅಂಚೆ ಇಲಾಖೆಯ ಉಳಿತಾಯ ಖಾತೆಯ ₹6 ಲಕ್ಷಕ್ಕೆ ತೆರಿಗೆ ಅನ್ವಯವೇ? ","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002Fimport\u002Fsites\u002Fpv\u002Ffiles\u002Farticle_images\u002F2017\u002F11\u002F22\u002Ffile6xmz670otyw1dj18wd23.jpg","url":null,"attribution":null,"alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಸಾಂದರ್ಭಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"focus-point":[244,98],"width":452,"height":274}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fis-tax-applicable-on-6-lakh-in-postal-department-savings-account-2970587","story-version-id":"d61dbc6d-3653-4310-b233-ac02e5199d5e","content-type":"story","content-updated-at":1726620836138,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1726620835903,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಸಾಂದರ್ಭಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":7,"story-template":"syndicated","sequence-no":null,"created-at":1726620828034,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ಪ್ರಶ್ನೋತ್ತರ"]},"imported-card-id":"9b5f10ed-3754-4b6a-9775-c254dcd3331a","card-share":{"shareable":false}},"publish-at":null,"assignee-name":"syndication"}},{"id":"b18bfb33-3419-4f90-ac78-7f4fc518b925","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ: ನಿವೇಶನ ಮಾರಾಟ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ"]},"story":{"updated-at":1725999063689,"seo":{"meta-description":"ನಾನು ಮಂಗಳೂರಿನ ನಿವಾಸಿಯಾಗಿದ್ದು ಸರ್ಕಾರಿ ಸ್ವಾಮ್ಯದ ಬ್ಯಾಂಕ್‌ನಲ್ಲಿ ವೃತ್ತಿ ನಿರ್ವಹಿಸಿ ಇತ್ತೀಚೆಗೆ ನಿವೃತ್ತಿಯಾಗಿದ್ದೇನೆ.","meta-keywords":["Finance","Financial advice"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5510713,"name":"Finance","meta-description":null,"meta-title":null,"slug":"finance","tag-type":"Tag"},{"id":5514883,"name":"Financial advice","meta-description":null,"meta-title":null,"slug":"financial-advice","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ನಿವೇಶನ ಮಾರಾಟ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ","storyline-id":null,"votes":{},"story-content-id":"b18bfb33-3419-4f90-ac78-7f4fc518b925","slug":"business\u002Fprashnottara\u002Fexpert-advice-for-financial-problems-2960850","last-published-at":1725999065394,"public-identifier":"2960850","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":3,"access-level-value":null,"content-created-at":1725966309787,"is-embargoed":false,"owner-name":"syndication","custom-slug":"Expert advice for Financial Problems","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"width":800,"height":661,"focus-point":[332,200]},"comments":null,"word-count":553,"story-features":null,"entities":{},"published-at":1725999065394,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7x4cy8let4g3r0u3jqm","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"b18bfb33-3419-4f90-ac78-7f4fc518b925","hero-image-s3-key":"prajavani\u002Fimport\u002Fsites\u002Fpv\u002Ffiles\u002Farticle_images\u002F2020\u002F08\u002F06\u002Ffinance1596734511.jpg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002Fb18bfb33-3419-4f90-ac78-7f4fc518b925\u002Felement\u002Fb5b15e51-751b-4f44-95f0-c64e806b6e12","type":"text","family-id":"c23edffa-75e4-4f42-8b42-39805f9c1fa5","title":"","id":"b5b15e51-751b-4f44-95f0-c64e806b6e12","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಪಾಪು, ಶಿವಮೊಗ್ಗ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fb18bfb33-3419-4f90-ac78-7f4fc518b925\u002Felement\u002F1666ef1c-75ad-4ab4-95f1-0273faee9518","type":"text","family-id":"cf9685ad-8afe-4209-9ae3-efc521aa2f6f","title":"","id":"1666ef1c-75ad-4ab4-95f1-0273faee9518","metadata":{"question":"\u003Cp\u003Eನನ್ನ ವಯಸ್ಸು 61. ಅನುದಾನಿತ ಕಾಲೇಜೊಂದರಲ್ಲಿ ಅಧ್ಯಾಪಕನಾಗಿ ಹಾಗೂ ವಿಭಾಗದ ಮುಖ್ಯಸ್ಥನಾಗಿ ನಿವೃತ್ತಿಯಾಗಿದ್ದೇನೆ (2022-23ನೇ ಸಾಲಿನಲ್ಲಿ). ಪ್ರಸ್ತುತ ನನಗೆ ಪಿಂಚಣಿ ಬರುತ್ತಿಲ್ಲ. ನಿವೃತ್ತಿ ಬಳಿಕ ಭವಿಷ್ಯ ನಿಧಿಯಿಂದ ನನ್ನ ಪಾಲಿನ ಹಣ ₹8.72 ಲಕ್ಷ ಹಾಗೂ ಗಳಿಕೆ ರಜಾದ ಬಾಬ್ತು ₹5.26 ಲಕ್ಷ ಬಂದಿದೆ. 2023-24ರಲ್ಲಿ ಈ ಹಣ ನನ್ನ ಖಾತೆಗೆ ಜಮೆ ಆಗಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಾನು 2023-24 ಮತ್ತು 2022-23ನೇ ಸಾಲಿನ ಆದಾಯ ತೆರಿಗೆ ಪಾವತಿಸಿರುತ್ತೇನೆ. 2023-24ನೇ ಸಾಲಿನಲ್ಲಿ ಜಮೆ ಆದ ಭವಿಷ್ಯ ನಿಧಿ ಹಾಗೂ ಗಳಿಕೆ ರಜಾದ ಮೊತ್ತಕ್ಕೆ ಆದಾಯ ತೆರಿಗೆ ಪಾವತಿಸಿರುವುದಿಲ್ಲ. ಇದರಿಂದ ಏನಾದರೂ ತೊಂದರೆಯಾಗುತ್ತದೆಯೇ? ನಾನು ಹಿರಿಯ ನಾಗರಿಕನಾಗಿರುವುದರಿಂದ ನನಗೆ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಇದೆಯೇ? ಮೇಲಾಗಿ ನನಗೆ 2023-24ರಿಂದ ಇಲ್ಲಿಯವರೆಗೂ ಯಾವುದೇ ರೀತಿಯ ನಿಶ್ಚಿತ ಆದಾಯವಿಲ್ಲ. ದಯವಿಟ್ಟು, ನನ್ನ ಸಂದೇಹಗಳಿಗೆ ಸೂಕ್ತ ಉತ್ತರ ನೀಡಿ. \u003C\u002Fp\u003E","answer":"\u003Cp\u003Eಆದಾಯ ತೆರಿಗೆಯ ಸೆಕ್ಷನ್ 15ರ ಅನ್ವಯ ವೇತನ ಆದಾಯಕ್ಕೆ ಸಂಬಂಧಿಸಿದ ತೆರಿಗೆಯನ್ನು ವೇತನ ‘ಗಳಿಕೆ’ಯಾದ ವರ್ಷದಲ್ಲಿ ಪಾವತಿ ಮಾಡಬೇಕಾಗುತ್ತದೆ. ಉದಾಹರಣೆಗೆ ತಿಂಗಳ ವೇತನ ಆಯಾ ತಿಂಗಳ ಕೊನೆಯ ದಿನ ಗಳಿಕೆ ಆಗುತ್ತದೆ. ಆದರೆ, ಪಾವತಿ ಕೆಲವು ದಿನಗಳ ಅಥವಾ ಮುಂದಿನ ತಿಂಗಳು ಪಾವತಿಯಾದರೂ ತೆರಿಗೆ, ಗಳಿಕೆಗೆ ಸಂಬಂಧಿಸಿದ ಆರ್ಥಿಕ ವರ್ಷಕ್ಕೆ ಅನ್ವಯಿಸಿ ನಿರ್ಣಯವಾಗುತ್ತದೆ. ಆದರೆ, ಕೆಲವೊಮ್ಮೆ ವಾರ್ಷಿಕ ಪಾವತಿಗಳು ಅಥವಾ ನಿವೃತ್ತಿಗೆ ಸಂಬಂಧಿಸಿದ ಪಾವತಿಗಳು ಇದ್ದಾಗ ಗಳಿಕೆ ಆಧಾರದಲ್ಲಿ ತೆರಿಗೆಗೆ ಒಳಪಡದಿದ್ದರೆ ಹಾಗೂ ಅವು ವಿನಾಯಿತಿಗೊಳಪಡದಿದ್ದರೆ, ಅವನ್ನು ಪಾವತಿಯಾದ ವರ್ಷದಲ್ಲಿ ತೆರಿಗೆಗೆ ಪರಿಗಣಿಸಬೇಕಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ನೀವು ಈಗಾಗಲೇ 2022-23ನೇ ಸಾಲಿನ ವೇತನಕ್ಕೆ ಸಂಬಂಧಿಸಿದ ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ಪಾವತಿ ಮಾಡಿರುವುದಾಗಿ ತಿಳಿಸಿರುತ್ತೀರಿ. ಆದರೆ, ನಿಮ್ಮ ಭವಿಷ್ಯ ನಿಧಿ ಹಾಗೂ ಗಳಿಕೆ ರಜಾದ ಮೊತ್ತ ನಿಮ್ಮ ಖಾತೆಗೆ ಜಮೆ ಆಗಿರುವುದು 2023-24ನೇ ಆರ್ಥಿಕ ವರ್ಷದಲ್ಲಿ ಎಂಬುದಾಗಿ ತಿಳಿಸಿದ್ದೀರಿ. ಮೊದಲನೆಯದಾಗಿ ಇವೆರಡೂ ನಿಮ್ಮ ನಿವೃತ್ತಿಯ ಕಾರಣದಿಂದ ಬಂದ ಮೊತ್ತ.\u003C\u002Fp\u003E\u003Cp\u003Eಭವಿಷ್ಯ ನಿಧಿ ಮೊತ್ತ ಸೆಕ್ಷನ್ 10(12)ರ ಪ್ರಕಾರ ಸಂಪೂರ್ಣ ವಿನಾಯಿತಿಗೆ ಅರ್ಹವಾಗಿದೆ. ರಜಾ ಗಳಿಕೆ ಮೊತ್ತ ಸೆಕ್ಷನ್ 10(10ಎ ಎ) ಇದರಡಿ 2023ರ ಮಾರ್ಚ್‌ 31ರ ತನಕ ₹3 ಲಕ್ಷ ವಿನಾಯಿತಿಗೆ ಅರ್ಹ. ತದನಂತರ ನಿವೃತ್ತಿ ಹೊಂದಿದವರಿಗೆ ಸಂಬಂಧಿಸಿ ₹25 ಲಕ್ಷದ ತನಕ ವಿನಾಯಿತಿ ಸಿಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಈ ವಿಚಾರಕ್ಕೆ ಸಂಬಂಧಿಸಿ ನಿಮ್ಮ ಫಾರಂ 16 ಅನ್ನು ಗಮನಿಸಿ. ಅದರಂತೆ ತೆರಿಗೆ ಕಟ್ಟಿರುವ ವಿಚಾರವನ್ನು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಿ. ರಜಾ ನಗದೀಕರಣಕ್ಕೆ ಸಂಬಂಧಿಸಿ ₹3 ಲಕ್ಷಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ಮೊತ್ತಕ್ಕೆ ತೆರಿಗೆ ಅನ್ವಯಿಸುವುದಿದ್ದರೂ ನಿಮ್ಮ ಒಟ್ಟಾರೆ ಆದಾಯ ಗರಿಷ್ಠ ವಿನಾಯಿತಿ ಮಿತಿಗಿಂತ ಕಡಿಮೆ ಇರುವುದರಿಂದ ತೆರಿಗೆಗೊಳಪಡುವ ಸಾಧ್ಯತೆ ಇಲ್ಲ. ಹಳೆಯ ತೆರಿಗೆ ವಿಧಾನದಡಿ ಹಿರಿಯ ನಾಗರಿಕರಿಗೆ ₹3 ಲಕ್ಷದ ತನಕ ವಾರ್ಷಿಕ ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ಇರುವುದಿಲ್ಲ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನನ್ನ ವಯಸ್ಸು 61. ಅನುದಾನಿತ ಕಾಲೇಜೊಂದರಲ್ಲಿ ಅಧ್ಯಾಪಕನಾಗಿ ಹಾಗೂ ವಿಭಾಗದ ಮುಖ್ಯಸ್ಥನಾಗಿ ನಿವೃತ್ತಿಯಾಗಿದ್ದೇನೆ (2022-23ನೇ ಸಾಲಿನಲ್ಲಿ). ಪ್ರಸ್ತುತ ನನಗೆ ಪಿಂಚಣಿ ಬರುತ್ತಿಲ್ಲ. ನಿವೃತ್ತಿ ಬಳಿಕ ಭವಿಷ್ಯ ನಿಧಿಯಿಂದ ನನ್ನ ಪಾಲಿನ ಹಣ ₹8.72 ಲಕ್ಷ ಹಾಗೂ ಗಳಿಕೆ ರಜಾದ ಬಾಬ್ತು ₹5.26 ಲಕ್ಷ ಬಂದಿದೆ. 2023-24ರಲ್ಲಿ ಈ ಹಣ ನನ್ನ ಖಾತೆಗೆ ಜಮೆ ಆಗಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಾನು 2023-24 ಮತ್ತು 2022-23ನೇ ಸಾಲಿನ ಆದಾಯ ತೆರಿಗೆ ಪಾವತಿಸಿರುತ್ತೇನೆ. 2023-24ನೇ ಸಾಲಿನಲ್ಲಿ ಜಮೆ ಆದ ಭವಿಷ್ಯ ನಿಧಿ ಹಾಗೂ ಗಳಿಕೆ ರಜಾದ ಮೊತ್ತಕ್ಕೆ ಆದಾಯ ತೆರಿಗೆ ಪಾವತಿಸಿರುವುದಿಲ್ಲ. ಇದರಿಂದ ಏನಾದರೂ ತೊಂದರೆಯಾಗುತ್ತದೆಯೇ? ನಾನು ಹಿರಿಯ ನಾಗರಿಕನಾಗಿರುವುದರಿಂದ ನನಗೆ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಇದೆಯೇ? ಮೇಲಾಗಿ ನನಗೆ 2023-24ರಿಂದ ಇಲ್ಲಿಯವರೆಗೂ ಯಾವುದೇ ರೀತಿಯ ನಿಶ್ಚಿತ ಆದಾಯವಿಲ್ಲ. ದಯವಿಟ್ಟು, ನನ್ನ ಸಂದೇಹಗಳಿಗೆ ಸೂಕ್ತ ಉತ್ತರ ನೀಡಿ. \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eಆದಾಯ ತೆರಿಗೆಯ ಸೆಕ್ಷನ್ 15ರ ಅನ್ವಯ ವೇತನ ಆದಾಯಕ್ಕೆ ಸಂಬಂಧಿಸಿದ ತೆರಿಗೆಯನ್ನು ವೇತನ ‘ಗಳಿಕೆ’ಯಾದ ವರ್ಷದಲ್ಲಿ ಪಾವತಿ ಮಾಡಬೇಕಾಗುತ್ತದೆ. ಉದಾಹರಣೆಗೆ ತಿಂಗಳ ವೇತನ ಆಯಾ ತಿಂಗಳ ಕೊನೆಯ ದಿನ ಗಳಿಕೆ ಆಗುತ್ತದೆ. ಆದರೆ, ಪಾವತಿ ಕೆಲವು ದಿನಗಳ ಅಥವಾ ಮುಂದಿನ ತಿಂಗಳು ಪಾವತಿಯಾದರೂ ತೆರಿಗೆ, ಗಳಿಕೆಗೆ ಸಂಬಂಧಿಸಿದ ಆರ್ಥಿಕ ವರ್ಷಕ್ಕೆ ಅನ್ವಯಿಸಿ ನಿರ್ಣಯವಾಗುತ್ತದೆ. ಆದರೆ, ಕೆಲವೊಮ್ಮೆ ವಾರ್ಷಿಕ ಪಾವತಿಗಳು ಅಥವಾ ನಿವೃತ್ತಿಗೆ ಸಂಬಂಧಿಸಿದ ಪಾವತಿಗಳು ಇದ್ದಾಗ ಗಳಿಕೆ ಆಧಾರದಲ್ಲಿ ತೆರಿಗೆಗೆ ಒಳಪಡದಿದ್ದರೆ ಹಾಗೂ ಅವು ವಿನಾಯಿತಿಗೊಳಪಡದಿದ್ದರೆ, ಅವನ್ನು ಪಾವತಿಯಾದ ವರ್ಷದಲ್ಲಿ ತೆರಿಗೆಗೆ ಪರಿಗಣಿಸಬೇಕಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ನೀವು ಈಗಾಗಲೇ 2022-23ನೇ ಸಾಲಿನ ವೇತನಕ್ಕೆ ಸಂಬಂಧಿಸಿದ ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ಪಾವತಿ ಮಾಡಿರುವುದಾಗಿ ತಿಳಿಸಿರುತ್ತೀರಿ. ಆದರೆ, ನಿಮ್ಮ ಭವಿಷ್ಯ ನಿಧಿ ಹಾಗೂ ಗಳಿಕೆ ರಜಾದ ಮೊತ್ತ ನಿಮ್ಮ ಖಾತೆಗೆ ಜಮೆ ಆಗಿರುವುದು 2023-24ನೇ ಆರ್ಥಿಕ ವರ್ಷದಲ್ಲಿ ಎಂಬುದಾಗಿ ತಿಳಿಸಿದ್ದೀರಿ. ಮೊದಲನೆಯದಾಗಿ ಇವೆರಡೂ ನಿಮ್ಮ ನಿವೃತ್ತಿಯ ಕಾರಣದಿಂದ ಬಂದ ಮೊತ್ತ.\u003C\u002Fp\u003E\u003Cp\u003Eಭವಿಷ್ಯ ನಿಧಿ ಮೊತ್ತ ಸೆಕ್ಷನ್ 10(12)ರ ಪ್ರಕಾರ ಸಂಪೂರ್ಣ ವಿನಾಯಿತಿಗೆ ಅರ್ಹವಾಗಿದೆ. ರಜಾ ಗಳಿಕೆ ಮೊತ್ತ ಸೆಕ್ಷನ್ 10(10ಎ ಎ) ಇದರಡಿ 2023ರ ಮಾರ್ಚ್‌ 31ರ ತನಕ ₹3 ಲಕ್ಷ ವಿನಾಯಿತಿಗೆ ಅರ್ಹ. ತದನಂತರ ನಿವೃತ್ತಿ ಹೊಂದಿದವರಿಗೆ ಸಂಬಂಧಿಸಿ ₹25 ಲಕ್ಷದ ತನಕ ವಿನಾಯಿತಿ ಸಿಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಈ ವಿಚಾರಕ್ಕೆ ಸಂಬಂಧಿಸಿ ನಿಮ್ಮ ಫಾರಂ 16 ಅನ್ನು ಗಮನಿಸಿ. ಅದರಂತೆ ತೆರಿಗೆ ಕಟ್ಟಿರುವ ವಿಚಾರವನ್ನು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಿ. ರಜಾ ನಗದೀಕರಣಕ್ಕೆ ಸಂಬಂಧಿಸಿ ₹3 ಲಕ್ಷಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ಮೊತ್ತಕ್ಕೆ ತೆರಿಗೆ ಅನ್ವಯಿಸುವುದಿದ್ದರೂ ನಿಮ್ಮ ಒಟ್ಟಾರೆ ಆದಾಯ ಗರಿಷ್ಠ ವಿನಾಯಿತಿ ಮಿತಿಗಿಂತ ಕಡಿಮೆ ಇರುವುದರಿಂದ ತೆರಿಗೆಗೊಳಪಡುವ ಸಾಧ್ಯತೆ ಇಲ್ಲ. ಹಳೆಯ ತೆರಿಗೆ ವಿಧಾನದಡಿ ಹಿರಿಯ ನಾಗರಿಕರಿಗೆ ₹3 ಲಕ್ಷದ ತನಕ ವಾರ್ಷಿಕ ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ಇರುವುದಿಲ್ಲ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002Fb18bfb33-3419-4f90-ac78-7f4fc518b925\u002Felement\u002Fd91af315-5514-4960-8dc3-6cbd829ed9d8","type":"text","family-id":"cfd2c16b-e70c-4fcb-974c-cd0f7a714859","title":"","id":"d91af315-5514-4960-8dc3-6cbd829ed9d8","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಕೆ.ಪಿ.ನಾಯಕ್, ಮಂಗಳೂರು.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fb18bfb33-3419-4f90-ac78-7f4fc518b925\u002Felement\u002F54a10e7c-49bf-4338-a538-b074812c350a","type":"text","family-id":"8ee100b6-28ce-42fd-aaf2-881162b5f8cb","title":"","id":"54a10e7c-49bf-4338-a538-b074812c350a","metadata":{"question":"\u003Cp\u003Eನಾನು ಮಂಗಳೂರಿನ ನಿವಾಸಿಯಾಗಿದ್ದು ಸರ್ಕಾರಿ ಸ್ವಾಮ್ಯದ ಬ್ಯಾಂಕ್‌ನಲ್ಲಿ ವೃತ್ತಿ ನಿರ್ವಹಿಸಿ ಇತ್ತೀಚೆಗೆ ನಿವೃತ್ತಿಯಾಗಿದ್ದೇನೆ. ಪ್ರಸ್ತುತ ನಾವು ಸ್ವಂತ ಮನೆಯಲ್ಲಿ ವಾಸವಿದ್ದು, ಕೆಲವು ವರ್ಷ ಹಿಂದೆ ಮಂಗಳೂರಿನಲ್ಲಿ ಖರೀದಿಸಿದ 30x60 ಅಳತೆಯ ನಿವೇಶನ ಹೊಂದಿದ್ದೇವೆ. ಇದನ್ನು ಮಾರಾಟ ಮಾಡುವ ಯೋಜನೆಯಲ್ಲಿದ್ದೇವೆ.\u003C\u002Fp\u003E\u003Cp\u003E2005 ಮಾರ್ಚ್‌ನಲ್ಲಿ ಇದನ್ನು ನಾವು ಖರೀದಿಸಿದ್ದೇವೆ. ಪ್ರಸಕ್ತ ಆರ್ಥಿಕ ವರ್ಷದ ಯಾವುದೇ ಸಂದರ್ಭದಲ್ಲಿ ಇದು ಮಾರಾಟ ಆಗಬಹುದು. ಇದರ ಖರೀದಿ ಮೊತ್ತ ಅಂದಾಜು ₹11.50 ಲಕ್ಷ. ಇತ್ತೀಚಿನ ಅಂದಾಜಿನಂತೆ ನಮ್ಮ ನಿವೇಶನಕ್ಕೆ ಸುಮಾರು ₹85 ಲಕ್ಷಕ್ಕೆ ಬೇಡಿಕೆ ಇಟ್ಟಿದ್ದೇವೆ. ಆದರೆ, ₹75 ಲಕ್ಷಕ್ಕೆ ಖರೀದಿದಾರರಿದ್ದಾರೆ. ಒಂದು ವೇಳೆ ಈ ಮೌಲ್ಯಕ್ಕೆ ಮಾರಾಟವಾದರೆ ನಮಗೆ ಬರಬಹುದಾದ ತೆರಿಗೆ ಎಷ್ಟು. ನಾವು ಮುಂದೆ ಮಗನ ಮನೆಯಲ್ಲಿ ವಾಸ್ತವ್ಯ ಹೂಡುವ ಕಾರಣ ಹಾಗೂ ಈಗಾಗಲೇ ನಮಗೆ ಒಂದು ಮನೆ ಇರುವ ಕಾರಣ ಹೊಸ ಮನೆ ಕಟ್ಟುವ ಅಥವಾ ಖರೀದಿಸುವ ಉದ್ದೇಶ ಇಲ್ಲ. ನಮಗೆ ₹50 ಲಕ್ಷದ ಬಾಂಡ್ ಖರೀದಿಸಿ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಪಡೆಯುವ ಅವಕಾಶ ಇರುವುದಾದರೆ ಅದನ್ನು ಬಳಸಿಕೊಳ್ಳುವುದು ಉತ್ತಮವೇ ಅಥವಾ ಅಂಚೆ ಇಲಾಖೆಯ ಅಥವಾ ಬ್ಯಾಂಕ್ ಠೇವಣಿ ಇರಿಸಿ ಹಿರಿಯ ನಾಗರಿಕರಿಗೆ ಇರುವ ಹೆಚ್ಚುವರಿ ಬಡ್ಡಿಯ ಲಾಭ ಪಡೆಯುವ ಆಯ್ಕೆ ಇರುವಾಗ ಯಾವುದು ಉತ್ತಮ ತೀರ್ಮಾನ ಎಂಬ ಬಗ್ಗೆ ತಿಳಿಸಿ.\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eಪ್ರಸ್ತುತ ಬದಲಾದ ತೆರಿಗೆ ನಿಯಮದ ಸನ್ನಿವೇಶದಲ್ಲಿ ಇಂತಹ ಯಾವುದೇ ನಿರ್ಣಯ ಕೈಗೊಳ್ಳುವ ಮೊದಲು ಯಾವ ಪದ್ಧತಿಯಡಿ ತೆರಿಗೆ ಉಳಿತಾಯ ಅಧಿಕ ಎಂಬುದನ್ನು ನೋಡಬೇಕಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಕೊಟ್ಟ ಮಾಹಿತಿಯಂತೆ ಇನ್‍ಡೆಕ್ಸೇಷನ್ ಸಹಿತ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕಿದಾಗ ಶೇ 20ರ ದರದಂತೆ ₹7.61 ಲಕ್ಷ ಬರುವುದಾದರೆ ಹೊಸ ನಿಯಮದ ಅನುಸಾರ ಇನ್‍ಡೆಕ್ಸೇಷನ್ ರಹಿತ ಶೇ 12.5ರ ದರದಲ್ಲಿ ತೆರಿಗೆ ಮೊತ್ತ ₹7.94 ಲಕ್ಷ ಆಗಿರುತ್ತದೆ. ಇಲ್ಲಿ ಬರುವ ಲಾಭದ ಮೊತ್ತ ಕ್ರಮವಾಗಿ ₹38.05 ಲಕ್ಷ ಹಾಗೂ ₹63.50 ಲಕ್ಷ ಆಗಿರುತ್ತದೆ. ಬಾಂಡ್‌ಗಳಲ್ಲಿ 5 ವರ್ಷ ಕಾಲ ನಿಮ್ಮ ಹಣವನ್ನು ಹೂಡಿಕೆ ಮಾಡಬೇಕಾಗುತ್ತದೆ. ಇದಕ್ಕೆ ಶೇ 5.25ರ ವಾರ್ಷಿಕ ಬಡ್ಡಿ ಸಿಗುತ್ತದೆ. ಹೀಗಾಗಿ, ನೀವು ಇನ್‍ಡೆಕ್ಸೇಷನ್ ಸಹಿತ ಇರುವ ತೆರಿಗೆ ವಿಧಾನ ಆಯ್ಕೆ ಮಾಡಿ ₹38.05 ಲಕ್ಷದಷ್ಟು ಮೊತ್ತ ಬಾಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿ ತೆರಿಗೆ ಶೂನ್ಯ ಮಾಡಬಹುದು. ಹೆಚ್ಚುವರಿ ಉಳಿತಾಯ ಮೊತ್ತವನ್ನು ಬ್ಯಾಂಕ್ ಅಥವಾ ಅಂಚೆ ಕಚೇರಿಯಲ್ಲಿ ಅಥವಾ ಅದಕ್ಕಿಂತ ಅಧಿಕ ಲಾಭ ನೀಡುವ ಕಡೆ ಹೂಡಿಕೆ ಮಾಡಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eಇಲ್ಲಿ ಗಮನಿಸಬೇಕಾದ ಇನ್ನೂ ಒಂದು ಬಹು ಬಹುಮುಖ್ಯ ಅಂಶವೆಂದರೆ, ಬಾಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ ತೆರಿಗೆ ಏನೋ ಶೂನ್ಯ ಮಾಡಬಹುದು. ಆದರೆ, ಇವೆಲ್ಲಾ ಶೇ 5.25ರ ಬಡ್ಡಿದರ ನೀಡುವ ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆಗಳು. ಒಂದು ವೇಳೆ ನೀವು ಯಾವುದೇ ಬಾಂಡ್ ಖರೀದಿಸದೆ ಸಂಪೂರ್ಣ ಮೊತ್ತದ ತೆರಿಗೆ ಪಾವತಿಸಿ, ಉಳಿದ ಮೊತ್ತವನ್ನು ಅದಕ್ಕಿಂತ ಅಧಿಕ ಲಾಭ ನೀಡುವ ಯಾವುದೇ ಹೂಡಿಕೆಗಳಲ್ಲಿ ಹಣ ತೊಡಗಿಸಿದಾಗ ಒಟ್ಟಾರೆ ನಿಮ್ಮ ಹಣ 5 ವರ್ಷದಲ್ಲಿ ಇನ್ನಷ್ಟು ವೃದ್ಧಿಸುವಂತೆ ಮಾಡಬಹುದು. ಈಕ್ವಿಟಿ ಉಳಿತಾಯ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳು ವಾರ್ಷಿಕವಾಗಿ ಶೇ 9 ರಿಂದ ಶೇ 16ರಷ್ಟು ಲಾಭ ನೀಡಿದ ಉದಾಹರಣೆಗಳಿವೆ. ಹೀಗಾಗಿ, ಈ ಸಂದರ್ಭದಲ್ಲಿ ನಿಮ್ಮ ವೃತ್ತಿ ಅನುಭವ ಬಳಸಿ ಸರಿಯಾದ ನಿರ್ಧಾರ ಕೈಗೂಳ್ಳಿ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಮಂಗಳೂರಿನ ನಿವಾಸಿಯಾಗಿದ್ದು ಸರ್ಕಾರಿ ಸ್ವಾಮ್ಯದ ಬ್ಯಾಂಕ್‌ನಲ್ಲಿ ವೃತ್ತಿ ನಿರ್ವಹಿಸಿ ಇತ್ತೀಚೆಗೆ ನಿವೃತ್ತಿಯಾಗಿದ್ದೇನೆ. ಪ್ರಸ್ತುತ ನಾವು ಸ್ವಂತ ಮನೆಯಲ್ಲಿ ವಾಸವಿದ್ದು, ಕೆಲವು ವರ್ಷ ಹಿಂದೆ ಮಂಗಳೂರಿನಲ್ಲಿ ಖರೀದಿಸಿದ 30x60 ಅಳತೆಯ ನಿವೇಶನ ಹೊಂದಿದ್ದೇವೆ. ಇದನ್ನು ಮಾರಾಟ ಮಾಡುವ ಯೋಜನೆಯಲ್ಲಿದ್ದೇವೆ.\u003C\u002Fp\u003E\u003Cp\u003E2005 ಮಾರ್ಚ್‌ನಲ್ಲಿ ಇದನ್ನು ನಾವು ಖರೀದಿಸಿದ್ದೇವೆ. ಪ್ರಸಕ್ತ ಆರ್ಥಿಕ ವರ್ಷದ ಯಾವುದೇ ಸಂದರ್ಭದಲ್ಲಿ ಇದು ಮಾರಾಟ ಆಗಬಹುದು. ಇದರ ಖರೀದಿ ಮೊತ್ತ ಅಂದಾಜು ₹11.50 ಲಕ್ಷ. ಇತ್ತೀಚಿನ ಅಂದಾಜಿನಂತೆ ನಮ್ಮ ನಿವೇಶನಕ್ಕೆ ಸುಮಾರು ₹85 ಲಕ್ಷಕ್ಕೆ ಬೇಡಿಕೆ ಇಟ್ಟಿದ್ದೇವೆ. ಆದರೆ, ₹75 ಲಕ್ಷಕ್ಕೆ ಖರೀದಿದಾರರಿದ್ದಾರೆ. ಒಂದು ವೇಳೆ ಈ ಮೌಲ್ಯಕ್ಕೆ ಮಾರಾಟವಾದರೆ ನಮಗೆ ಬರಬಹುದಾದ ತೆರಿಗೆ ಎಷ್ಟು. ನಾವು ಮುಂದೆ ಮಗನ ಮನೆಯಲ್ಲಿ ವಾಸ್ತವ್ಯ ಹೂಡುವ ಕಾರಣ ಹಾಗೂ ಈಗಾಗಲೇ ನಮಗೆ ಒಂದು ಮನೆ ಇರುವ ಕಾರಣ ಹೊಸ ಮನೆ ಕಟ್ಟುವ ಅಥವಾ ಖರೀದಿಸುವ ಉದ್ದೇಶ ಇಲ್ಲ. ನಮಗೆ ₹50 ಲಕ್ಷದ ಬಾಂಡ್ ಖರೀದಿಸಿ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಪಡೆಯುವ ಅವಕಾಶ ಇರುವುದಾದರೆ ಅದನ್ನು ಬಳಸಿಕೊಳ್ಳುವುದು ಉತ್ತಮವೇ ಅಥವಾ ಅಂಚೆ ಇಲಾಖೆಯ ಅಥವಾ ಬ್ಯಾಂಕ್ ಠೇವಣಿ ಇರಿಸಿ ಹಿರಿಯ ನಾಗರಿಕರಿಗೆ ಇರುವ ಹೆಚ್ಚುವರಿ ಬಡ್ಡಿಯ ಲಾಭ ಪಡೆಯುವ ಆಯ್ಕೆ ಇರುವಾಗ ಯಾವುದು ಉತ್ತಮ ತೀರ್ಮಾನ ಎಂಬ ಬಗ್ಗೆ ತಿಳಿಸಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eಪ್ರಸ್ತುತ ಬದಲಾದ ತೆರಿಗೆ ನಿಯಮದ ಸನ್ನಿವೇಶದಲ್ಲಿ ಇಂತಹ ಯಾವುದೇ ನಿರ್ಣಯ ಕೈಗೊಳ್ಳುವ ಮೊದಲು ಯಾವ ಪದ್ಧತಿಯಡಿ ತೆರಿಗೆ ಉಳಿತಾಯ ಅಧಿಕ ಎಂಬುದನ್ನು ನೋಡಬೇಕಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಕೊಟ್ಟ ಮಾಹಿತಿಯಂತೆ ಇನ್‍ಡೆಕ್ಸೇಷನ್ ಸಹಿತ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕಿದಾಗ ಶೇ 20ರ ದರದಂತೆ ₹7.61 ಲಕ್ಷ ಬರುವುದಾದರೆ ಹೊಸ ನಿಯಮದ ಅನುಸಾರ ಇನ್‍ಡೆಕ್ಸೇಷನ್ ರಹಿತ ಶೇ 12.5ರ ದರದಲ್ಲಿ ತೆರಿಗೆ ಮೊತ್ತ ₹7.94 ಲಕ್ಷ ಆಗಿರುತ್ತದೆ. ಇಲ್ಲಿ ಬರುವ ಲಾಭದ ಮೊತ್ತ ಕ್ರಮವಾಗಿ ₹38.05 ಲಕ್ಷ ಹಾಗೂ ₹63.50 ಲಕ್ಷ ಆಗಿರುತ್ತದೆ. ಬಾಂಡ್‌ಗಳಲ್ಲಿ 5 ವರ್ಷ ಕಾಲ ನಿಮ್ಮ ಹಣವನ್ನು ಹೂಡಿಕೆ ಮಾಡಬೇಕಾಗುತ್ತದೆ. ಇದಕ್ಕೆ ಶೇ 5.25ರ ವಾರ್ಷಿಕ ಬಡ್ಡಿ ಸಿಗುತ್ತದೆ. ಹೀಗಾಗಿ, ನೀವು ಇನ್‍ಡೆಕ್ಸೇಷನ್ ಸಹಿತ ಇರುವ ತೆರಿಗೆ ವಿಧಾನ ಆಯ್ಕೆ ಮಾಡಿ ₹38.05 ಲಕ್ಷದಷ್ಟು ಮೊತ್ತ ಬಾಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿ ತೆರಿಗೆ ಶೂನ್ಯ ಮಾಡಬಹುದು. ಹೆಚ್ಚುವರಿ ಉಳಿತಾಯ ಮೊತ್ತವನ್ನು ಬ್ಯಾಂಕ್ ಅಥವಾ ಅಂಚೆ ಕಚೇರಿಯಲ್ಲಿ ಅಥವಾ ಅದಕ್ಕಿಂತ ಅಧಿಕ ಲಾಭ ನೀಡುವ ಕಡೆ ಹೂಡಿಕೆ ಮಾಡಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eಇಲ್ಲಿ ಗಮನಿಸಬೇಕಾದ ಇನ್ನೂ ಒಂದು ಬಹು ಬಹುಮುಖ್ಯ ಅಂಶವೆಂದರೆ, ಬಾಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿ ತೆರಿಗೆ ಏನೋ ಶೂನ್ಯ ಮಾಡಬಹುದು. ಆದರೆ, ಇವೆಲ್ಲಾ ಶೇ 5.25ರ ಬಡ್ಡಿದರ ನೀಡುವ ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆಗಳು. ಒಂದು ವೇಳೆ ನೀವು ಯಾವುದೇ ಬಾಂಡ್ ಖರೀದಿಸದೆ ಸಂಪೂರ್ಣ ಮೊತ್ತದ ತೆರಿಗೆ ಪಾವತಿಸಿ, ಉಳಿದ ಮೊತ್ತವನ್ನು ಅದಕ್ಕಿಂತ ಅಧಿಕ ಲಾಭ ನೀಡುವ ಯಾವುದೇ ಹೂಡಿಕೆಗಳಲ್ಲಿ ಹಣ ತೊಡಗಿಸಿದಾಗ ಒಟ್ಟಾರೆ ನಿಮ್ಮ ಹಣ 5 ವರ್ಷದಲ್ಲಿ ಇನ್ನಷ್ಟು ವೃದ್ಧಿಸುವಂತೆ ಮಾಡಬಹುದು. ಈಕ್ವಿಟಿ ಉಳಿತಾಯ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳು ವಾರ್ಷಿಕವಾಗಿ ಶೇ 9 ರಿಂದ ಶೇ 16ರಷ್ಟು ಲಾಭ ನೀಡಿದ ಉದಾಹರಣೆಗಳಿವೆ. ಹೀಗಾಗಿ, ಈ ಸಂದರ್ಭದಲ್ಲಿ ನಿಮ್ಮ ವೃತ್ತಿ ಅನುಭವ ಬಳಸಿ ಸರಿಯಾದ ನಿರ್ಧಾರ ಕೈಗೂಳ್ಳಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1725999060556,"content-version-id":"281b2b3e-04ee-4fc8-91d9-0f943e03cc93","card-added-at":1725966310042,"status":"draft","id":"ba7f7f44-5f63-48c0-a53f-da6c6c296d1b","content-id":"ba7f7f44-5f63-48c0-a53f-da6c6c296d1b","version":7,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ನಿವೇಶನ ಮಾರಾಟ, ತೆರಿಗೆ ಸಂಬಂಧಿತ ಪ್ರಶ್ನೆಗಳಿಗೆ ತಜ್ಞರ ಉತ್ತರ","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002Fimport\u002Fsites\u002Fpv\u002Ffiles\u002Farticle_images\u002F2020\u002F08\u002F06\u002Ffinance1596734511.jpg","url":null,"attribution":null,"alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಪ್ರಾತಿನಿಧಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"width":800,"height":661,"focus-point":[332,200]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fexpert-advice-for-financial-problems-2960850","story-version-id":"9f60fa3d-ca9a-429c-a462-752f8c428e5b","content-type":"story","content-updated-at":1725999065542,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1725999065394,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಪ್ರಾತಿನಿಧಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":7,"story-template":"syndicated","sequence-no":null,"created-at":1725999060546,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ಪ್ರಶ್ನೋತ್ತರ"]},"imported-card-id":"ba7f7f44-5f63-48c0-a53f-da6c6c296d1b","card-share":{"shareable":false}},"publish-at":null,"assignee-name":"syndication"}},{"id":"b420f2e9-eb60-4b10-a83c-6c1edb6d5f22","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ: ಕ್ಯಾಪಿಟಲ್ ಗೇನ್ಸ್‌ ಹಾಗೂ ತೆರಿಗೆ.."]},"story":{"updated-at":1725393400146,"seo":{"meta-description":"ಪ್ರಶ್ನೋತ್ತರ: ಕ್ಯಾಪಿಟಲ್ ಗೇನ್ಸ್‌ ಹಾಗೂ ತೆರಿಗೆ.. ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ ಅವರ ಪ್ರಶ್ನೋತ್ತರ ಅಂಕಣ","meta-keywords":["Tax","Personal Finance"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5510997,"name":"Tax","meta-description":null,"meta-title":null,"slug":"tax","tag-type":"Tag"},{"id":5513849,"name":"Personal Finance","meta-description":null,"meta-title":null,"slug":"personal-finance","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ಕ್ಯಾಪಿಟಲ್ ಗೇನ್ಸ್‌ ಹಾಗೂ ತೆರಿಗೆ..","storyline-id":null,"votes":{},"story-content-id":"b420f2e9-eb60-4b10-a83c-6c1edb6d5f22","slug":"business\u002Fprashnottara\u002Fpersonal-finance-capital-gains-and-tax-question-and-answer-column-by-pramoda-srikanta-daitota-2953022","last-published-at":1725393401462,"public-identifier":"2953022","subheadline":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ ಅವರ ಪ್ರಶ್ನೋತ್ತರ ಅಂಕಣ","alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1725374138930,"is-embargoed":false,"owner-name":"syndication","custom-slug":"Personal Finance Capital Gains and Tax.. Question and Answer Column by Pramoda Srikanta Daitota","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"mime-type":"image\u002Fjpeg","focus-point":[156,57],"width":290,"file-size":11144,"file-name":"images.jpeg","height":163},"comments":null,"word-count":492,"story-features":null,"entities":{},"published-at":1725393401462,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7x0uco4uo37rhjnb8px","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003E(ಸಾಂದರ್ಭಿಕ ಚಿತ್ರ)\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","bullet-type":"123","hero-image-alt-text":null,"id":"b420f2e9-eb60-4b10-a83c-6c1edb6d5f22","hero-image-s3-key":"prajavani\u002F2024-07\u002Fdcf6dbb2-41bd-4bbe-9f85-fe5727423aa0\u002Fimages.jpeg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002Fb420f2e9-eb60-4b10-a83c-6c1edb6d5f22\u002Felement\u002F7fe33ce4-d5e9-47d4-8f3b-527cd45c5ecf","type":"text","family-id":"e97792e5-69ce-4e58-be94-b0f224c587ba","title":"","id":"7fe33ce4-d5e9-47d4-8f3b-527cd45c5ecf","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಶಂಕರ್ ಜಿ, ಗದಗ,\u003C\u002Fstrong\u003E \u003Cstrong\u003Eಪ್ರಶ್ನೆ: \u003C\u002Fstrong\u003Eನನ್ನ ವಯಸ್ಸು 78 ವರ್ಷ. ನಾನು ಪ್ರತಿ ವರ್ಷ ಐಟಿಆರ್ ಸಲ್ಲಿಸುತ್ತಿದ್ದು ಪ್ರತಿ ತಿಂಗಳೂ ಪಿಂಚಣಿ ಪಡೆಯುತ್ತಿದ್ದೇನೆ. ಐಟಿಆರ್ ವರ್ಷ 2024-25ರ ಮಾಹಿತಿಯಂತೆ ನನ್ನ ಆದಾಯ ಈ ರೀತಿ ಇದೆ. ನನ್ನ ಪಿಂಚಣಿ ಆದಾಯದ ಮೊತ್ತ ವರ್ಷಕ್ಕೆ ₹4.86 ಲಕ್ಷ. ಈ ಮೊತ್ತ ಸ್ಟ್ಯಾಂಡರ್ಡ್ ಡಿಡಕ್ಷನ್ ಕಳೆದು ಇರುವ ಮೊತ್ತವಾಗಿದೆ. ಬ್ಯಾಂಕ್ ಠೇವಣಿಯಿಂದ ವರ್ಷಕ್ಕೆ ₹5.40 ಲಕ್ಷ ಬರುತ್ತಿದೆ. ಉಳಿತಾಯ ಖಾತೆಗೆ ಸುಮಾರು ₹16 ಸಾವಿರದಷ್ಟು ಜಮಾ ಆಗಲಿದೆ. ಇದರಂತೆ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕಿದರೆ ₹66,446 ಹಾಗೂ ಸೆಸ್ ಮೊತ್ತ ₹2,658 ಬರುತ್ತಿದೆ. ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿಯ ಪ್ರಕಾರ ₹7.50 ಲಕ್ಷ ಆದಾಯದವರೆಗೆ ತೆರಿಗೆ ಇಲ್ಲ ಎಂದು ಕೇಳಿದ್ದೇನೆ. ಮೇಲಿನ ಮಾಹಿತಿಯಂತೆ ನಾನು ಲೆಕ್ಕ ಹಾಕಿದ ತೆರಿಗೆ ಆಕರಣೆ ಸರಿಯಾಗಿದೆಯೇ?\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fb420f2e9-eb60-4b10-a83c-6c1edb6d5f22\u002Felement\u002Fa3d71b10-89bf-43ed-acd2-336fcc391660","type":"text","family-id":"bf5fcf56-354c-46d0-ac2f-408866ae0b82","title":"","id":"a3d71b10-89bf-43ed-acd2-336fcc391660","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ:\u003C\u002Fstrong\u003E ನೀವು ಈಗಾಗಲೇ ಆರ್ಥಿಕ ವರ್ಷ 2023-24ರ ಆದಾಯಕ್ಕೆ ಸಂಬಂಧಿಸಿ ಐಟಿಆರ್ ಸಲ್ಲಿಸದೆ ಇದ್ದರೆ ಈ ಕೂಡಲೇ ಸಲ್ಲಿಸಿ. ನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ, ಆರ್ಥಿಕ ವರ್ಷ 2023-24ಕ್ಕೆ ಸಂಬಂಧಿಸಿ ತೆರಿಗೆ ಎಷ್ಟೆಂಬುದು ನಿಮ್ಮ ಪ್ರಶ್ನೆಯಾಗಿರುವುದರಿಂದ ಆ ಬಗ್ಗೆ ಗಮನ ನೀಡಿ. ತಡವಾಗಿ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಲು ಇದೇ ಡಿಸೆಂಬರ್ 31ರ ತನಕ ಅವಕಾಶವಿದೆ. ಆದರೆ ದಂಡ ಕಟ್ಟಿ ಸಲ್ಲಿಸಬಹುದಾಗಿದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fb420f2e9-eb60-4b10-a83c-6c1edb6d5f22\u002Felement\u002F52e25f94-98cf-488d-ab3a-89768036edc7","type":"text","family-id":"d9a7f73a-8ac7-4e1d-b49a-e8871b17d63e","title":"","id":"52e25f94-98cf-488d-ab3a-89768036edc7","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಇನ್ನು ನಿಮ್ಮ ಮೂಲ ಪ್ರಶ್ನೆಗೆ ಸಂಬಂಧಿಸಿ ಹೇಳುವುದಾದರೆ, ನೀವು ಹೊಸ ಪದ್ಧತಿ ಅನುಸರಿಸಿ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕಿರುವುದು ಸರಿಯಿದೆ. ಆದರೆ ₹7.50 ಲಕ್ಷದವರೆಗೆ ತೆರಿಗೆ ಇಲ್ಲ ಎಂಬುದನ್ನು ನೀವು ಉಲ್ಲೇಖಿಸಿದ್ದೀರಿ. ಒಟ್ಟಾರೆ ತೆರಿಗೆ ಆದಾಯ ಈ ಮೊತ್ತದೊಳಗಿದ್ದಾಗ ಮಾತ್ರ ಇದು ಸಾಧ್ಯ. ಈ ಮಿತಿ ದಾಟಿದಂತೆ, ಸಹಜವಾಗಿ ಸೆಕ್ಷನ್ 87ಎ ಇದರಡಿ ಲಭ್ಯವಿರುವ ವಿನಾಯಿತಿ ಸಿಗುವುದಿಲ್ಲ ಎಂಬುದು ತಿಳಿದಿರಲಿ. ನಿಮ್ಮ ವಿಚಾರದಲ್ಲೂ, ನೀವು ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿ ಆಯ್ಕೆ ಮಾಡಿದರೆ, ಆದಾಯ ₹7.50 ಲಕ್ಷ ದಾಟುವುದರಿಂದ ಸ್ಲ್ಯಾಬ್ ದರದಂತೆ ತೆರಿಗೆ ನಿರ್ಣಯ ಆಗುತ್ತದೆ.\u003Cbr\u003E \u003Cbr\u003Eಇನ್ನು ಆರ್ಥಿಕ ವರ್ಷ 2024-25ರ ಬಜೆಟ್ ಬದಲಾವಣೆಯನ್ನು ಪರಿಗಣಿಸಿ ಮುಂದಿನ ವರ್ಷಕ್ಕೆ ತೆರಿಗೆ ಅಂದಾಜಿಸಿ ಹೇಳುವುದಾದರೆ, ಅದೇ ಆದಾಯ ಪ್ರಸ್ತುತ ಸಾಲಿನಲ್ಲಿಯೂ ಮುಂದುವರಿದರೆ, ನಿಮ್ಮ ತೆರಿಗೆ ಸುಮಾರು ₹52 ಸಾವಿರ ಆಗಿರಲಿದೆ.  \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fb420f2e9-eb60-4b10-a83c-6c1edb6d5f22\u002Felement\u002F02121859-b3dc-4cc7-ab9a-f5172dc244ab","type":"text","family-id":"7b21bcd3-4540-403a-94bb-ed10d457b89b","title":"","id":"02121859-b3dc-4cc7-ab9a-f5172dc244ab","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eನಾರಾಯಣ್ ಎಂ, ಮೈಸೂರು\u003C\u002Fstrong\u003E, \u003Cstrong\u003Eಪ್ರಶ್ನೆ: \u003C\u002Fstrong\u003Eನಾನು ಹಾಗೂ ನನ್ನ ತಮ್ಮನ ಹೆಸರಲ್ಲಿ ಮೈಸೂರಿನ ಇಂಡಸ್ಟ್ರಿಯಲ್ ಎಸ್ಟೇಟ್‌ನಲ್ಲಿ ಒಂದು ನಿವೇಶನ ಇದೆ. ಇದರ ವ್ಯಾಪ್ತಿ ಸುಮಾರು 6,500 ಚದರ ಅಡಿ. ಇದನ್ನು 1987ರಲ್ಲಿ ನಮ್ಮಿಬ್ಬರ ಹೆಸರಲ್ಲಿ ಪಾಲುದಾರಿಕೆಯಲ್ಲಿ ದಾಖಲಿಸಲಾಗಿತ್ತು. ಆಗ ಅದಕ್ಕೆ ಸರಿಯಾದ ಮೌಲ್ಯ ಇಲ್ಲ. ಆದರೆ ಇದರ ಸಮೀಪದ ಭೂಮಿಗೆ ಈ ಭೂಮಿಗಿಂತ ಅಧಿಕ ಮೌಲ್ಯವಿದ್ದು, ನಮಗಿಬ್ಬರಿಗೂ ವಯಸ್ಸಾದ ಕಾರಣ ಇನ್ನೂ ಮೌಲ್ಯ ಹೆಚ್ಚಾಗುವ ತನಕ ಕಾಯುವ ಹಂತದಲ್ಲಿ ನಾವಿಲ್ಲ. ಹೀಗಾಗಿ ಈ ಭೂಮಿಯನ್ನು ನನ್ನ ಮಗಳು ಹಾಗೂ ಅವಳ ಇಬ್ಬರು ಹೆಣ್ಣು ಮಕ್ಕಳಿಗೆ ಡೀಡ್ ಮೂಲಕ ವರ್ಗಾಯಿಸಬೇಕೆಂದಿದ್ದೇವೆ. ಇದರಲ್ಲಿ ನಾನು ಹಾಗೂ ನನ್ನ ತಮ್ಮ ಹಾಗೂ ಮಗಳು ಅವಳ ಇಬ್ಬರು ಹೆಣ್ಣು ಮಕ್ಕಳು ಹೀಗೆ ಒಟ್ಟಾಗಿ ಐವರು ಸೇರಿ ಈ ನಿವೇಶನ ಹಂಚಲಿದ್ದೇವೆ. ಕ್ಯಾಪಿಟಲ್ ಗೇನ್ಸ್‌ಗೆ ಸಂಬಂಧಿಸಿ ಯಾವ ರೀತಿ ಈ ಭೂಮಿಯನ್ನು ವರ್ಗಾಯಿಸಬೇಕು. ತೆರಿಗೆ ವಿಚಾರವಾಗಿ ನಾವು ಯಾವ ರೀತಿ ಈ ಹಂಚಿಕೆ ಮಾಡಿಕೊಳ್ಳಬೇಕು.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fb420f2e9-eb60-4b10-a83c-6c1edb6d5f22\u002Felement\u002Fb18d6997-325d-4958-aedc-f52cf81113a6","type":"text","family-id":"0445f10e-05df-48ee-ad54-8b97ec8ff0fe","title":"","id":"b18d6997-325d-4958-aedc-f52cf81113a6","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ: \u003C\u002Fstrong\u003Eನೀವು ಹಾಗೂ ನಿಮ್ಮ ತಮ್ಮನ ಜಂಟಿ ಹೆಸರಲ್ಲಿ ಭೂಮಿ ಇದೆ ಎಂಬುದಾಗಿ ನೀವು ಹೇಳಿರುತ್ತೀರಿ. ಈ ಆಸ್ತಿಯನ್ನು ನಿಮ್ಮ ಮಗಳು ಹಾಗೂ ಅವರ ಇಬ್ಬರು ಮಕ್ಕಳಿಗೆ ಡೀಡ್ ಮೂಲಕ ವರ್ಗಾಯಿಸುವ ಉದ್ದೇಶ ಹೊಂದಿದ್ದೀರಿ. ಮೊದಲ ಹಂತದಲ್ಲಿ ನೀವು ಹಾಗೂ ನಿಮ್ಮ ತಮ್ಮನ ಪಾಲನ್ನು ಗೊತ್ತು ಮಾಡಿಕೊಳ್ಳಿ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fb420f2e9-eb60-4b10-a83c-6c1edb6d5f22\u002Felement\u002F38a0ee77-f954-4972-8b3e-dc0d172cda39","type":"text","family-id":"52f64da2-590c-46a6-8cc8-67176967eb69","title":"","id":"38a0ee77-f954-4972-8b3e-dc0d172cda39","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಆದಾಯ ತೆರಿಗೆಯ ಸೆಕ್ಷನ್ 56(2)(x) ಇದರ ಅಡಿ, ಯಾವುದೇ ಆಸ್ತಿಯನ್ನು ಉಚಿತವಾಗಿ ವರ್ಗಾಯಿಸಿದಾಗ ಅಥವಾ ಅದರ ಮಾರುಕಟ್ಟೆ ಸಮಂಜಸ ದರಕ್ಕಿಂತ ಕಡಿಮೆ ಮೌಲ್ಯಕ್ಕೆ ವರ್ಗಾಯಿಸಿದಾಗ ವ್ಯತ್ಯಾಸದ ಮೊತ್ತ ಅಂತಹ ಆಸ್ತಿ ಪಡೆದವರ ಹೆಸರಲ್ಲಿ ತೆರಿಗೆಗೊಳಪಡುತ್ತದೆ. ಆದರೆ, ಈ ಸಾಮಾನ್ಯ ನಿಯಮಕ್ಕೆ ಸಮೀಪದ ಬಂಧುಗಳ ಹೆಸರಲ್ಲಿ ವರ್ಗಾವಣೆಯಾಗುವ ಆಸ್ತಿಗಳಿಗೆ ವಿನಾಯಿತಿ ಇದೆ. ಹೀಗಾಗಾಗಿ ನೀವು ನಿಮ್ಮ ಭೂಮಿಯ ಪಾಲನ್ನು ನಿಮ್ಮ ಮಗಳು ಹಾಗೂ ನಿಮ್ಮ ಮೊಮ್ಮಕ್ಕಳ ಹೆಸರಲ್ಲಿ ವರ್ಗಾಯಿಸುವಾಗ ಅವರು ಯಾವುದೇ ತೆರಿಗೆ ಕಟ್ಟುವ ಅಗತ್ಯ ಇಲ್ಲ. ಆದರೆ ನಿಮ್ಮ ತಮ್ಮ ಒಂದು ವೇಳೆ ಅವರ ಹೆಸರಲ್ಲಿರುವ ಆಸ್ತಿಯನ್ನು ನಿಮ್ಮ ಮಗಳಿಗೆ\u002Fಮೊಮ್ಮಕ್ಕಳಿಗೆ ವರ್ಗಾಯಿಸಿದರೆ ಈ ವಿನಾಯಿತಿ ಸಿಗುವುದಿಲ್ಲ ಎಂಬುದನ್ನು ಗಮನಿಸಿ. ಇದಲ್ಲದೆ, ಸೆಕ್ಷನ್ 47(iii) ರ ಪ್ರಕಾರ ಉಯಿಲಿನ ರೂಪದಲ್ಲಿ ಆಸ್ತಿ ವರ್ಗಾವಣೆ ಮಾಡಿದಾಗಲೂ ಆ ಸಂದರ್ಭದಲ್ಲಿ ತೆರಿಗೆಗೊಳಪಡಿಸಲಾಗುವುದಿಲ್ಲ. ಈ ವಿಚಾರಕ್ಕೆ ಸಂಬಂಧಿಸಿ ಯಾವ ರೀತಿ ವರ್ಗಾವಣೆ ದಾಖಲೆಗಳನ್ನು ಹೊಂದಬೇಕು ಎಂಬುವುದರ ಬಗ್ಗೆ ವಕೀಲರ ನೆರವು ಪಡೆದುಕೊಳ್ಳಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಮುಂದೆ ಯಾವುದೇ ಸಂದರ್ಭದಲ್ಲಿ ಈ ನಿವೇಶನ ಮಾರಾಟ ಮಾಡುವಾಗ ಮಾತ್ರ ಕ್ಯಾಪಿಟಲ್‌ ಗೇನ್ಸ್ (ಬಂಡವಾಳ ಗಳಿಕೆ) ಲೆಕ್ಕ ಹಾಕಿ ತೆರಿಗೆ ಕಟ್ಟಬೇಕಾಗುತ್ತದೆ. ಅವರಿಗೆ ನೀವು ಮೂಲದಲ್ಲಿ ಖರೀದಿಸಿದ ದಿನಾಂಕವೇ ಖರೀದಿ ಮೌಲ್ಯವಾಗಿರುತ್ತದೆ ಹಾಗೂ ಅಸಲು ಮೌಲ್ಯವಾಗಿ 2001ರ ಏಪ್ರಿಲ್‌ 1ರ ಮಾರುಕಟ್ಟೆ ಸಮಂಜಸ ದರ ಪರಿಗಣಿಸಿ ತೆರಿಗೆ ನಿರ್ಣಯಿಸಬಹುದು. ಇತ್ತೀಚಿನ ಬಜೆಟ್‌ನಲ್ಲಿ ಬದಲಾದ ತೆರಿಗೆ ನಿಯಮದ ಪ್ರಕಾರ ಇಂಡೆಕ್ಸೇಷನ್ ಸಹಿತ ಶೇ 20ರ ತೆರಿಗೆ ದರ ಅಥವಾ ಇಂಡೆಕ್ಸೇಷನ್ ರಹಿತ ಶೇ 12.50ರ ತೆರಿಗೆ ದರ ಅನ್ವಯಿಸಿ ಯಾವುದು ತೆರಿಗೆ ದೃಷ್ಟಿಯಲ್ಲಿ ಲಾಭದಾಯಕವೋ ಆ ದರ ಮುಂದೆ ಮಾರಾಟ ಮಾಡುವಾಗ ಆಯ್ಕೆ ಮಾಡುವ ಅವಕಾಶವಿದೆ.\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1725393397071,"content-version-id":"f7f3dccc-4aaf-44ce-b8f0-084028504f90","card-added-at":1725374138991,"status":"draft","id":"47a8fd12-170a-4b3b-a656-507388c16980","content-id":"47a8fd12-170a-4b3b-a656-507388c16980","version":8,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ಕ್ಯಾಪಿಟಲ್ ಗೇನ್ಸ್‌ ಹಾಗೂ ತೆರಿಗೆ..","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-07\u002Fdcf6dbb2-41bd-4bbe-9f85-fe5727423aa0\u002Fimages.jpeg","url":null,"attribution":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003E(ಸಾಂದರ್ಭಿಕ ಚಿತ್ರ)\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಆದಾಯ ತೆರಿಗೆ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"mime-type":"image\u002Fjpeg","focus-point":[156,57],"width":290,"file-size":11144,"file-name":"images.jpeg","height":163}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fpersonal-finance-capital-gains-and-tax-question-and-answer-column-by-pramoda-srikanta-daitota-2953022","story-version-id":"d22ef001-ebe7-474e-8c28-f53d6c091dbd","content-type":"story","content-updated-at":1725393401591,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1725393401462,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಆದಾಯ ತೆರಿಗೆ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":8,"story-template":"syndicated","sequence-no":null,"created-at":1725393397064,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ಪ್ರಶ್ನೋತ್ತರ"]},"imported-card-id":"47a8fd12-170a-4b3b-a656-507388c16980","card-share":{"shareable":false}},"publish-at":null,"assignee-name":"syndication"}},{"id":"65d307f8-3f37-4d42-94aa-956ed8b422a7","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ: ಆಸ್ತಿ ಮಾರಾಟ, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ \n"]},"story":{"updated-at":1724789761114,"seo":{"meta-keywords":["Tax","Property tax"],"meta-description":"ವಾರ್ಷಿಕ ಆದಾಯ ₹2 ಲಕ್ಷಕ್ಕಿಂತ ಕಡಿಮೆ ಇದೆ. ಅದರಲ್ಲಿ ನನ್ನ ನಿತ್ಯದ ಖರ್ಚು ಮತ್ತು ದುಬಾರಿ ವೈದ್ಯಕೀಯ ವೆಚ್ಚ ಪೂರೈಸಿಕೊಳ್ಳುವುದು ಕಷ್ಟವಿದೆ. ಆ ಕಾರಣದಿಂದ ನನ್ನಲ್ಲಿರುವ ಒಂದು ನಿವೇಶನ ಹಾಗೂ ಮತ್ತೊಂದು ಮನೆ (ಆರ್‌ಸಿಸಿ ಕಟ್ಟಡ) ಎರಡನ್ನೂ ಮಾರಬೇಕೆಂದಿದ್ದೇನೆ.","claim-reviews":{"story":null}},"assignee-id":1763820,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5510997,"name":"Tax","meta-description":null,"meta-title":null,"slug":"tax","tag-type":"Tag"},{"id":5513088,"name":"Property tax","meta-description":null,"meta-title":null,"slug":"property-tax","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ಆಸ್ತಿ ಮಾರಾಟ, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ \n","storyline-id":null,"votes":{},"story-content-id":"65d307f8-3f37-4d42-94aa-956ed8b422a7","slug":"business\u002Fprashnottara\u002Fqa-sale-of-property-solution-to-tax-problem-2944330","last-published-at":1724801400000,"public-identifier":"2944330","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1724788610121,"is-embargoed":false,"owner-name":"RAJANI M","custom-slug":"Q&A Sale of property solution to tax problem \n","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"mime-type":"image\u002Fjpeg","focus-point":[581,349],"width":1200,"file-size":79639,"file-name":"file7jxjbrc5050flxbsowu.jpg","height":785},"comments":null,"word-count":473,"story-features":{"push-notification":{"is-scheduled":false,"publish-at":null}},"entities":{},"published-at":1724801400000,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":null,"push-notification-title":null,"external-id":null,"canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"65d307f8-3f37-4d42-94aa-956ed8b422a7","hero-image-s3-key":"prajavani\u002F2023-11\u002F242b0e94-6edf-475f-9867-76933350d981\u002Ffile7jxjbrc5050flxbsowu.jpg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F65d307f8-3f37-4d42-94aa-956ed8b422a7\u002Felement\u002F9a5d7432-bbf7-4f77-880c-3eeb6fa48560","type":"text","family-id":"adb608bd-d053-4553-b85c-777b49cdc76c","title":"","id":"9a5d7432-bbf7-4f77-880c-3eeb6fa48560","metadata":{"content":"ನನ್ನ ವಯಸ್ಸು 74 ವರ್ಷ. ( ಊರು, ಹೆಸರು ಬೇಡ) ವಾರ್ಷಿಕ ಆದಾಯ ₹2 ಲಕ್ಷಕ್ಕಿಂತ ಕಡಿಮೆ ಇದೆ. ಅದರಲ್ಲಿ ನನ್ನ ನಿತ್ಯದ ಖರ್ಚು ಮತ್ತು ದುಬಾರಿ ವೈದ್ಯಕೀಯ ವೆಚ್ಚ ಪೂರೈಸಿಕೊಳ್ಳುವುದು ಕಷ್ಟವಿದೆ. ಆ ಕಾರಣದಿಂದ ನನ್ನಲ್ಲಿರುವ ಒಂದು ನಿವೇಶನ ಹಾಗೂ ಮತ್ತೊಂದು ಮನೆ (ಆರ್‌ಸಿಸಿ ಕಟ್ಟಡ) ಎರಡನ್ನೂ ಮಾರಬೇಕೆಂದಿದ್ದೇನೆ."},"subtype":"blurb","text":"\u003Cblockquote\u003Eನನ್ನ ವಯಸ್ಸು 74 ವರ್ಷ. ( ಊರು, ಹೆಸರು ಬೇಡ) ವಾರ್ಷಿಕ ಆದಾಯ ₹2 ಲಕ್ಷಕ್ಕಿಂತ ಕಡಿಮೆ ಇದೆ. ಅದರಲ್ಲಿ ನನ್ನ ನಿತ್ಯದ ಖರ್ಚು ಮತ್ತು ದುಬಾರಿ ವೈದ್ಯಕೀಯ ವೆಚ್ಚ ಪೂರೈಸಿಕೊಳ್ಳುವುದು ಕಷ್ಟವಿದೆ. ಆ ಕಾರಣದಿಂದ ನನ್ನಲ್ಲಿರುವ ಒಂದು ನಿವೇಶನ ಹಾಗೂ ಮತ್ತೊಂದು ಮನೆ (ಆರ್‌ಸಿಸಿ ಕಟ್ಟಡ) ಎರಡನ್ನೂ ಮಾರಬೇಕೆಂದಿದ್ದೇನೆ.\u003C\u002Fblockquote\u003E"},{"description":"","page-url":"\u002Fstory\u002F65d307f8-3f37-4d42-94aa-956ed8b422a7\u002Felement\u002Fa9902c5e-b05f-4234-a946-baf4c6595b0d","type":"text","family-id":"395b75a4-b26e-469a-baa3-364ae12d325a","title":"","id":"a9902c5e-b05f-4234-a946-baf4c6595b0d","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಈ ಎರಡೂ ನಿವೇಶನಗಳನ್ನು ನಾನು 1993ರಲ್ಲಿ ಖರೀದಿಸಿರುತ್ತೇನೆ. ಇದರಲ್ಲಿ ಒಂದು ನಿವೇಶನದಲ್ಲಿ 1999ರಲ್ಲಿ ವಾಸಕ್ಕೆ ಮನೆ ಕಟ್ಟಿಕೊಂಡಿದ್ದು, ಮತ್ತೊಂದು ನಿವೇಶನ ಖಾಲಿ ಇದೆ. 2024ರ ಜುಲೈನಲ್ಲಿ ಮಂಡಿಸಿದ ಬಜೆಟ್‌ನಲ್ಲಿ ಕ್ಯಾಪಿಟಲ್‌ ಗೇನ್ಸ್ (ಬಂಡವಾಳ ಗಳಿಕೆ) ಟ್ಯಾಕ್ಸ್ ಬಗ್ಗೆ ಮಾಡಿದ ಬದಲಾವಣೆಗಳ ನಂತರ, 2024ರ ಜುಲೈ 23ಕ್ಕಿಂತ ಹಿಂದೆ ಖರೀದಿಸಿದ್ದ ಆಸ್ತಿಗಳ ಬಗ್ಗೆ, ಹಳೆಯ ಪದ್ಧತಿಯಂತೆ ಇನ್‍ಡೆಕ್ಸೇಷನ್ ಸೌಕರ್ಯ ಸಹಿತವಾಗಿ ಶೇ 20ರ ತೆರಿಗೆಯ ಕ್ರಮ ಅಥವಾ ಹೊಸ ಪದ್ಧತಿಯಂತೆ ಇನ್‍ಡೆಕ್ಸೇಷನ್ ಸೌಲಭ್ಯ ಇಲ್ಲದ ಶೇ 12.5ರ ತೆರಿಗೆಯ ಕ್ರಮ, ಎರಡರಲ್ಲಿ ಯಾವುದನ್ನಾದರೂ ಆಯ್ಕೆ ಮಾಡುವ ಅವಕಾಶ ಕಲ್ಪಿಸಿ ಮಾಡಿದ ಪರಿಷ್ಕರಣೆಯ ಬಗ್ಗೆ ಪತ್ರಿಕೆಯಲ್ಲಿ ಓದಿರುತ್ತೇನೆ.ಅಲ್ಲದೆ ವಾರಕ್ಕೂ ಹಿಂದೆ ಶೇ 12.5ರ ತೆರಿಗೆಯ ಹೊಸ ಪದ್ಧತಿಯಲ್ಲೂ ಇನ್‍ಡೆಕ್ಸೇಷನ್ ಸೌಲಭ್ಯ ಇರದಿದ್ದರೂ 2001ರ ಏಪ್ರಿಲ್‌ 1ಕ್ಕಿಂತ ಮೊದಲು ಖರೀದಿಸಿದ್ದ ಆಸ್ತಿಗಳಿಗೆ 2001ರ ಎಫ್‌ಎಂವಿ (ಮಾರುಕಟ್ಟೆ ಸಮಂಜಸ ದರ) ಸೌಲಭ್ಯ ಪಡೆಯಬಹುದು ಅಂತ ಓದಿರುವೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F65d307f8-3f37-4d42-94aa-956ed8b422a7\u002Felement\u002F982f4e9f-aaff-4d0e-b24e-358ac8c16c42","type":"text","family-id":"6a080d84-9490-4948-a7b5-df3e3c0c9c6d","title":"","id":"982f4e9f-aaff-4d0e-b24e-358ac8c16c42","metadata":{},"subtype":null,"text":"\u003Ch3\u003Eನನ್ನ ಪ್ರಶ್ನೆ ಈ ಕೆಳಗಿನಂತಿವೆ.\u003C\u002Fh3\u003E"},{"description":"","page-url":"\u002Fstory\u002F65d307f8-3f37-4d42-94aa-956ed8b422a7\u002Felement\u002F2db8e9c8-f5bc-4c6e-8350-1267c0073c8e","type":"text","family-id":"8afdac0f-37b0-4e15-ade3-feae0772c632","title":"","id":"2db8e9c8-f5bc-4c6e-8350-1267c0073c8e","metadata":{},"subtype":null,"text":"\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E1. ನಾನು ಮಾರಾಟ ಮಾಡಲು ಬಯಸಿದ ಆಸ್ತಿಗಳು 2001ಕ್ಕೂ ಸಾಕಷ್ಟು ಹಿಂದೆಯೇ ಖರೀದಿ ಆಗಿವೆ. ಈ ಎಫ್‌ಎಂವಿ ಮೌಲ್ಯದ ಮಾಹಿತಿ ಹೇಗೆ ತಿಳಿಯಬೇಕು?  \u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E2. ಹೊಸ ಪದ್ಧತಿಯಲ್ಲಿ ಇನ್‍ಡೆಕ್ಸೇಷನ್ ಸೌಲಭ್ಯ ಇರದಿದ್ದರೂ ಕಟ್ಟಡದ ನಿರ್ಮಾಣ ವೆಚ್ಚ, ಮತ್ತೆ ಇಲ್ಲಿಯವರೆಗೆ ಮಾಡಿದ ಪೇಂಟಿಂಗ್, ದುರಸ್ತಿ, ಕಂದಾಯ ಪಾವತಿ ಇತ್ಯಾದಿ ವಿವಿಧ ರೀತಿಯ ವೆಚ್ಚಗಳನ್ನು, ದೀರ್ಘಾವಧಿ ಬಂಡವಾಳದ ಲಾಭದಲ್ಲಿ ಕಡಿತಗೊಳಿಸಿ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕುವ ಅವಕಾಶ ಇದೆಯೇ? \u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E3. ಖಾಲಿ ನಿವೇಶನ ಮತ್ತು ಕಟ್ಟಡ ಎರಡೂ ನನ್ನವೇ ಆಗಿದ್ದರೂ, ಅವನ್ನು ಖರೀದಿಸುವವರು ಬೇರೆ ಬೇರೆ ವ್ಯಕ್ತಿಗಳು. ಆದರೆ, ಎರಡೂ ಸ್ವತ್ತುಗಳೂ ಒಂದೇ ಆರ್ಥಿಕ ವರ್ಷದಲ್ಲಿ ಕೆಲವು ತಿಂಗಳ ಅಂತರದಲ್ಲಿ ಮಾರಾಟ ಆಗುವ ಸಾಧ್ಯತೆ ಇದೆ. ಈ ಸಂದರ್ಭದಲ್ಲಿ ನಾನು ನಿವೇಶನ ಮಾರಾಟದಿಂದ ಬರುವ ದೀರ್ಘಾವಧಿ ಬಂಡವಾಳ ಲಾಭದ ಬಗ್ಗೆ ಇನ್‍ಡೆಕ್ಸೇಷನ್ ಸೌಲಭ್ಯ ಇರದ ಶೇ 12.5ರ ತೆರಿಗೆಯ ಹೊಸ ಕ್ರಮವನ್ನೂ, ಕಟ್ಟಡ ಮಾರಾಟದಿಂದ ಬರುವ ದೀರ್ಘಾವಧಿ ಬಂಡವಾಳ ಲಾಭಕ್ಕೆ ಇನ್‍ಡೆಕ್ಸೇಷನ್ ಸೌಲಭ್ಯ ಸಹಿತವಾದ ಶೇ 20ರ ತೆರಿಗೆಯ ಹಳೆಯ ಕ್ರಮವನ್ನು ಪ್ರತ್ಯೇಕವಾಗಿ ಆಯ್ಕೆ ಮಾಡಿಕೊಳ್ಳಲು ಅವಕಾಶ ಇದೆಯಾ?ದಯವಿಟ್ಟು ಈ ಎಲ್ಲಾ ವಿಷಯಗಳ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಲು ಮನವಿ. \u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E"},{"description":"","page-url":"\u002Fstory\u002F65d307f8-3f37-4d42-94aa-956ed8b422a7\u002Felement\u002F8b495d7f-83ec-4b6b-af84-45b3d5548cb6","type":"text","family-id":"b6e2240c-a8e6-47c9-b776-990c43d62f0c","title":"","id":"8b495d7f-83ec-4b6b-af84-45b3d5548cb6","metadata":{"content":"ಉತ್ತರ:","attribution":"ನಿಮ್ಮ ಪ್ರಶ್ನೆ ಬಹಳ ಸುದೀರ್ಘವಾಗಿರುವುದರಿಂದ ಕ್ಲುಪ್ತವಾಗಿ ಹಾಗೂ ಅಗತ್ಯವುಳ್ಳ ಮಾಹಿತಿ ಮಾತ್ರ ನೀಡುತ್ತಿದ್ದೇನೆ. ಮಾರುಕಟ್ಟೆ ಸಮಂಜಸ ದರವನ್ನು ಮಾನ್ಯತೆ ಪಡೆದ ಸ್ಥಿರಾಸ್ತಿ ಮೌಲ್ಯಮಾಪಕರು ಆಯಾ ಸ್ಥಳ, ಅಲ್ಲಿನ ಸೌಲಭ್ಯ, ಹಿಂದಿನಿಂದ ಬೆಳೆದು ಬಂದ ಭೂ ಸುಧಾರಣೆ, ಮುಂದಿನ ಪ್ರಗತಿಯ ಸಾಧ್ಯತೆ ಇತ್ಯಾದಿ ಅಂಶಗಳನ್ನು ಗಮನದಲ್ಲಿಟ್ಟು ನಿಗದಿಪಡಿಸುತ್ತಾರೆ. ಕೆಲವೊಂದು ಬಾರಿ ಅನೇಕ ವರ್ಷ ಹಿಂದೆ ಖರೀದಿಸಿದ್ದ ಭೂಮಿಯ ನಿಜವಾದ ಮೌಲ್ಯ ತುಂಬಾ ಕಡಿಮೆ ಇದ್ದಿರಬಹುದು ಅಥವಾ ಅದರ ಮಾಹಿತಿ ಸರಿಯಾಗಿ ಸಿಗದೆ ಇರಬಹುದು. ಇಂತಹ ಸಂದರ್ಭದಲ್ಲಿ ಮಾರುಕಟ್ಟೆ ಸಮಂಜಸ ದರವನ್ನು ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕಲು ಬೇಕಾದ ಇನ್‍ಡೆಕ್ಸೇಷನ್ ಆಧಾರಿತ ಆಸ್ತಿ ಮೌಲ್ಯದ ನಿರ್ಧಾರಕ್ಕೆ ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ. ಈ ಮೌಲ್ಯದ ಮೇಲೆ ಇನ್‍ಡೆಕ್ಸೇಷನ್ ದರವನ್ನು ಅನ್ವಯಿಸಲಾಗುತ್ತದೆ. ಆರ್ಥಿಕ ವರ್ಷ 2024-25ರ ಈ ಮೌಲ್ಯ 363 ಆಗಿದೆ. ಉದಾಹರಣೆಗೆ 2001ರಲ್ಲಿ ನಿಮ್ಮ ಆಸ್ತಿಯ ಮಾರುಕಟ್ಟೆ ಸಮಂಜಸ ದರ ₹5 ಲಕ್ಷ ಇದ್ದರೆ, ಇಂದು ಅದರ ಮೌಲ್ಯ ₹ 18.15 ಲಕ್ಷ ಎಂದರ್ಥ. ನಿಮ್ಮ ನಿಜವಾದ ಅಸಲು ₹1 ಲಕ್ಷವಾಗಿದ್ದರೂ, ಇಲ್ಲಿ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕುವ ಉದ್ದೇಶಕ್ಕಾಗಿ ₹5 ಲಕ್ಷ ಮೌಲ್ಯ ಪರಿಗಣಿಸಿ ಇನ್‍ಡೆಕ್ಸೇಷನ್‌ಗೆ ಅವಕಾಶ ನೀಡಲಾಗಿದೆ. ಇದು ಬಜೆಟ್‌ಗಿಂತ ಮೊದಲು ಖರೀದಿಸಿದ ಆಸ್ತಿಗಳಿಗೆ ಮಾತ್ರ ಅನ್ವಯವಾಗುತ್ತದೆ. ಹೀಗಾಗಿ ಹಳೆಯ ಆಸ್ತಿಗಳಿಗೆ ಸಂಬಂಧಿಸಿ ಹಿಂದೆ ಇದ್ದಂತೆ ಯಥಾಸ್ಥಿತಿಯನ್ನು ಕಾಯ್ದುಕೊಳ್ಳಲಾಗಿದೆ. ಯಾವುದೇ ಸ್ಥಿರಾಸ್ತಿಯ ಅಸಲು ಲೆಕ್ಕ ಹಾಕುವಾಗ, ಖರೀದಿಗೆ ಸಂಬಂಧಿತ ಮೂಲ ವೆಚ್ಚ, ಕಟ್ಟಡದ ನಿರ್ಮಾಣಕ್ಕೆ ಸಂಬಂಧಿತ ವೆಚ್ಚ, ಅದರ ಹಂತ ಹಂತದ ಅಭಿವೃದ್ಧಿಗೆ ಸಂಬಂಧಿಸಿ ಕೈಗೊಳ್ಳುವ ಮೌಲ್ಯವರ್ಧಿತ ವೆಚ್ಚ ಇತ್ಯಾದಿಯನ್ನು ಪರಿಗಣಿಸಿಕೊಳ್ಳುವ ಅವಕಾಶ ಇದೆ. ಆದರೆ, ಕಟ್ಟಡದ ಸಾಮಾನ್ಯ ನಿರ್ವಹಣಾ ವೆಚ್ಚ (ಉದಾ: ಸುಣ್ಣ-ಬಣ್ಣ, ತೆರಿಗೆ, ದುರಸ್ತಿ ವೆಚ್ಚ) ಇತ್ಯಾದಿಯನ್ನು ಅಸಲು ಮೊತ್ತಕ್ಕೆ ಪರಿಗಣಿಸುವ ಅವಕಾಶ ಇಲ್ಲ. ಕಾರಣ ಇವು ಆಸ್ತಿಯನ್ನು ಚೆನ್ನಾಗಿ ಕಾಣುವಂತೆ ಮಾಡಿದರೂ, ಮೂಲ ಉಪಯುಕ್ತತೆ ಹೆಚ್ಚಿಸುವಲ್ಲಿ ನೆರವಾಗುವುದಿಲ್ಲ. ನೀವು ಓದಿ ತಿಳಿದಿರುವಂತೆ ಪ್ರತ್ಯೇಕವಾದ ಎರಡು ತೆರಿಗೆ ಪದ್ಧತಿ ಅಡಿ ನಿಮಗೆ ಲಾಭದಾಯಕವಾದ ತೆರಿಗೆ ಪದ್ಧತಿಯ ಆಯ್ಕೆಗೆ ಅವಕಾಶ ಇದೆ. ನೀವು ಎರಡು ಪ್ರತ್ಯೇಕ ಆಸ್ತಿಗಳನ್ನು ಮಾರಾಟ ಮಾಡುತ್ತಿರುವ ಕಾರಣ ನಿಮ್ಮ ತೆರಿಗೆ ಉಳಿತಾಯದ ದೃಷ್ಟಿಯಲ್ಲಿ ಯಾವ ತೆರಿಗೆ ಪದ್ಧತಿಯ ಆಯ್ಕೆ ಯಾವ ಆಸ್ತಿಗೆ ಸೂಕ್ತ ಎಂಬುದನ್ನು ಬದಲಾದ ಸನ್ನಿವೇಶದಲ್ಲಿ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕಿ ನೋಡಿ. ನಿಮಗೆ ಸೂಕ್ತವಾದ ತೆರಿಗೆ ಪದ್ಧತಿಯ ಆಯ್ಕೆಗೆ ಅವಕಾಶ ಇದೆ."},"subtype":"bigfact","text":"\u003Cdiv\u003E\u003Cdiv class=\"bigfact-title\"\u003Eಉತ್ತರ:\u003C\u002Fdiv\u003E\u003Cdiv class=\"bigfact-description\"\u003Eನಿಮ್ಮ ಪ್ರಶ್ನೆ ಬಹಳ ಸುದೀರ್ಘವಾಗಿರುವುದರಿಂದ ಕ್ಲುಪ್ತವಾಗಿ ಹಾಗೂ ಅಗತ್ಯವುಳ್ಳ ಮಾಹಿತಿ ಮಾತ್ರ ನೀಡುತ್ತಿದ್ದೇನೆ. ಮಾರುಕಟ್ಟೆ ಸಮಂಜಸ ದರವನ್ನು ಮಾನ್ಯತೆ ಪಡೆದ ಸ್ಥಿರಾಸ್ತಿ ಮೌಲ್ಯಮಾಪಕರು ಆಯಾ ಸ್ಥಳ, ಅಲ್ಲಿನ ಸೌಲಭ್ಯ, ಹಿಂದಿನಿಂದ ಬೆಳೆದು ಬಂದ ಭೂ ಸುಧಾರಣೆ, ಮುಂದಿನ ಪ್ರಗತಿಯ ಸಾಧ್ಯತೆ ಇತ್ಯಾದಿ ಅಂಶಗಳನ್ನು ಗಮನದಲ್ಲಿಟ್ಟು ನಿಗದಿಪಡಿಸುತ್ತಾರೆ. ಕೆಲವೊಂದು ಬಾರಿ ಅನೇಕ ವರ್ಷ ಹಿಂದೆ ಖರೀದಿಸಿದ್ದ ಭೂಮಿಯ ನಿಜವಾದ ಮೌಲ್ಯ ತುಂಬಾ ಕಡಿಮೆ ಇದ್ದಿರಬಹುದು ಅಥವಾ ಅದರ ಮಾಹಿತಿ ಸರಿಯಾಗಿ ಸಿಗದೆ ಇರಬಹುದು. ಇಂತಹ ಸಂದರ್ಭದಲ್ಲಿ ಮಾರುಕಟ್ಟೆ ಸಮಂಜಸ ದರವನ್ನು ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕಲು ಬೇಕಾದ ಇನ್‍ಡೆಕ್ಸೇಷನ್ ಆಧಾರಿತ ಆಸ್ತಿ ಮೌಲ್ಯದ ನಿರ್ಧಾರಕ್ಕೆ ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ. ಈ ಮೌಲ್ಯದ ಮೇಲೆ ಇನ್‍ಡೆಕ್ಸೇಷನ್ ದರವನ್ನು ಅನ್ವಯಿಸಲಾಗುತ್ತದೆ. ಆರ್ಥಿಕ ವರ್ಷ 2024-25ರ ಈ ಮೌಲ್ಯ 363 ಆಗಿದೆ. ಉದಾಹರಣೆಗೆ 2001ರಲ್ಲಿ ನಿಮ್ಮ ಆಸ್ತಿಯ ಮಾರುಕಟ್ಟೆ ಸಮಂಜಸ ದರ ₹5 ಲಕ್ಷ ಇದ್ದರೆ, ಇಂದು ಅದರ ಮೌಲ್ಯ ₹ 18.15 ಲಕ್ಷ ಎಂದರ್ಥ. ನಿಮ್ಮ ನಿಜವಾದ ಅಸಲು ₹1 ಲಕ್ಷವಾಗಿದ್ದರೂ, ಇಲ್ಲಿ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕುವ ಉದ್ದೇಶಕ್ಕಾಗಿ ₹5 ಲಕ್ಷ ಮೌಲ್ಯ ಪರಿಗಣಿಸಿ ಇನ್‍ಡೆಕ್ಸೇಷನ್‌ಗೆ ಅವಕಾಶ ನೀಡಲಾಗಿದೆ. ಇದು ಬಜೆಟ್‌ಗಿಂತ ಮೊದಲು ಖರೀದಿಸಿದ ಆಸ್ತಿಗಳಿಗೆ ಮಾತ್ರ ಅನ್ವಯವಾಗುತ್ತದೆ. ಹೀಗಾಗಿ ಹಳೆಯ ಆಸ್ತಿಗಳಿಗೆ ಸಂಬಂಧಿಸಿ ಹಿಂದೆ ಇದ್ದಂತೆ ಯಥಾಸ್ಥಿತಿಯನ್ನು ಕಾಯ್ದುಕೊಳ್ಳಲಾಗಿದೆ. ಯಾವುದೇ ಸ್ಥಿರಾಸ್ತಿಯ ಅಸಲು ಲೆಕ್ಕ ಹಾಕುವಾಗ, ಖರೀದಿಗೆ ಸಂಬಂಧಿತ ಮೂಲ ವೆಚ್ಚ, ಕಟ್ಟಡದ ನಿರ್ಮಾಣಕ್ಕೆ ಸಂಬಂಧಿತ ವೆಚ್ಚ, ಅದರ ಹಂತ ಹಂತದ ಅಭಿವೃದ್ಧಿಗೆ ಸಂಬಂಧಿಸಿ ಕೈಗೊಳ್ಳುವ ಮೌಲ್ಯವರ್ಧಿತ ವೆಚ್ಚ ಇತ್ಯಾದಿಯನ್ನು ಪರಿಗಣಿಸಿಕೊಳ್ಳುವ ಅವಕಾಶ ಇದೆ. ಆದರೆ, ಕಟ್ಟಡದ ಸಾಮಾನ್ಯ ನಿರ್ವಹಣಾ ವೆಚ್ಚ (ಉದಾ: ಸುಣ್ಣ-ಬಣ್ಣ, ತೆರಿಗೆ, ದುರಸ್ತಿ ವೆಚ್ಚ) ಇತ್ಯಾದಿಯನ್ನು ಅಸಲು ಮೊತ್ತಕ್ಕೆ ಪರಿಗಣಿಸುವ ಅವಕಾಶ ಇಲ್ಲ. ಕಾರಣ ಇವು ಆಸ್ತಿಯನ್ನು ಚೆನ್ನಾಗಿ ಕಾಣುವಂತೆ ಮಾಡಿದರೂ, ಮೂಲ ಉಪಯುಕ್ತತೆ ಹೆಚ್ಚಿಸುವಲ್ಲಿ ನೆರವಾಗುವುದಿಲ್ಲ. ನೀವು ಓದಿ ತಿಳಿದಿರುವಂತೆ ಪ್ರತ್ಯೇಕವಾದ ಎರಡು ತೆರಿಗೆ ಪದ್ಧತಿ ಅಡಿ ನಿಮಗೆ ಲಾಭದಾಯಕವಾದ ತೆರಿಗೆ ಪದ್ಧತಿಯ ಆಯ್ಕೆಗೆ ಅವಕಾಶ ಇದೆ. ನೀವು ಎರಡು ಪ್ರತ್ಯೇಕ ಆಸ್ತಿಗಳನ್ನು ಮಾರಾಟ ಮಾಡುತ್ತಿರುವ ಕಾರಣ ನಿಮ್ಮ ತೆರಿಗೆ ಉಳಿತಾಯದ ದೃಷ್ಟಿಯಲ್ಲಿ ಯಾವ ತೆರಿಗೆ ಪದ್ಧತಿಯ ಆಯ್ಕೆ ಯಾವ ಆಸ್ತಿಗೆ ಸೂಕ್ತ ಎಂಬುದನ್ನು ಬದಲಾದ ಸನ್ನಿವೇಶದಲ್ಲಿ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕಿ ನೋಡಿ. ನಿಮಗೆ ಸೂಕ್ತವಾದ ತೆರಿಗೆ ಪದ್ಧತಿಯ ಆಯ್ಕೆಗೆ ಅವಕಾಶ ಇದೆ.\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1724789749256,"content-version-id":"d7256587-9b26-4f4c-83be-6d6faf89b514","card-added-at":1724789099441,"status":"draft","id":"64f7f538-b6a2-4ea6-98e0-f7086b197749","content-id":"64f7f538-b6a2-4ea6-98e0-f7086b197749","version":15,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ಆಸ್ತಿ ಮಾರಾಟ, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ \n","message":null,"image":{"key":"prajavani\u002F2023-11\u002F242b0e94-6edf-475f-9867-76933350d981\u002Ffile7jxjbrc5050flxbsowu.jpg","url":null,"attribution":null,"alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಸಾಂಕೇತಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"mime-type":"image\u002Fjpeg","focus-point":[581,349],"width":1200,"file-size":79639,"file-name":"file7jxjbrc5050flxbsowu.jpg","height":785}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fqa-sale-of-property-solution-to-tax-problem-2944330","story-version-id":"9b59ef86-6038-462e-ae4f-c8e6a0a76707","content-type":"story","content-updated-at":1724801400761,"author-id":1749710,"owner-id":1763820,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1724801400000,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಸಾಂಕೇತಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":23,"story-template":"text","sequence-no":null,"created-at":1724789749245,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"card-share":{"shareable":false}},"publish-at":1724801400000,"assignee-name":"RAJANI M"}},{"id":"1d895dbd-3a54-453e-a06d-07bc36703f33","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ | ತಂದೆ ಖಾತೆಗೆ ಜಮೆ ಮಾಡುವ ಹಣಕ್ಕೆ ತೆರಿಗೆ ಅನ್ವಯಿಸುತ್ತದೆಯೇ?"]},"story":{"updated-at":1724176498606,"seo":{"meta-description":"ಪ್ರಶ್ನೋತ್ತರ | ತಂದೆ ಖಾತೆಗೆ ಜಮೆ ಮಾಡುವ ಹಣಕ್ಕೆ ತೆರಿಗೆ ಅನ್ವಯಿಸುತ್ತದೆಯೇ?","meta-keywords":["Financial advice","Tax","Investment"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5510710,"name":"Investment","meta-description":null,"meta-title":null,"slug":"investment","tag-type":"Tag"},{"id":5510997,"name":"Tax","meta-description":null,"meta-title":null,"slug":"tax","tag-type":"Tag"},{"id":5514883,"name":"Financial advice","meta-description":null,"meta-title":null,"slug":"financial-advice","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ | ತಂದೆ ಖಾತೆಗೆ ಜಮೆ ಮಾಡುವ ಹಣಕ್ಕೆ ತೆರಿಗೆ ಅನ್ವಯಿಸುತ್ತದೆಯೇ?","storyline-id":null,"votes":{},"story-content-id":"1d895dbd-3a54-453e-a06d-07bc36703f33","slug":"business\u002Fprashnottara\u002Fexperts-answer-to-financial-and-tax-related-problems-2934510","last-published-at":1724196900000,"public-identifier":"2934510","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1724158822394,"is-embargoed":false,"owner-name":"syndication","custom-slug":"experts answer to financial and tax related problems","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"width":500,"height":281,"mime-type":"image\u002Favif","file-size":30604,"file-name":"prajavani_2024-08-07_x4uxs0h2_prajavani_2024-06_04e5ec24-f762-49b0-8396-b00e5fed7e5a_taxweb.avif","focus-point":[223,110]},"comments":null,"word-count":476,"story-features":null,"entities":{},"published-at":1724196900000,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7wtm7f5u0apl7ofj3i1","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"1d895dbd-3a54-453e-a06d-07bc36703f33","hero-image-s3-key":"prajavani\u002F2024-08-20\u002Fg01pekst\u002Fprajavani_2024-08-07_x4uxs0h2_prajavani_2024-06_04e5ec24-f762-49b0-8396-b00e5fed7e5a_taxweb.avif","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F1d895dbd-3a54-453e-a06d-07bc36703f33\u002Felement\u002F50042313-266d-4bfb-8f1e-0d2ffcf6efc3","type":"text","family-id":"299dbea8-c632-4e6a-97e2-39a9653c73ca","title":"","id":"50042313-266d-4bfb-8f1e-0d2ffcf6efc3","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಹಣಕಾಸಿಗೆ ಸಂಬಂಧಿಸಿದ ಪ್ರಶ್ನೆಗಳನ್ನು ಪತ್ರದಲ್ಲಿ (ದೂರವಾಣಿ ಸಂಖ್ಯೆ ಸಹಿತ) ಬರೆದು ಕಳುಹಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eವಿಳಾಸ: ಪ್ರಶ್ನೋತ್ತರ, ವಾಣಿಜ್ಯ ವಿಭಾಗ, ಪ್ರಜಾವಾಣಿ, ನಂ.75, ಮಹಾತ್ಮ ಗಾಂಧಿ ರಸ್ತೆ, ಬೆಂಗಳೂರು–560001.\u003C\u002Fp\u003E\u003Cp\u003Eಇ–ಮೇಲ್‌: businessdesk@prajavani.co.in\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F1d895dbd-3a54-453e-a06d-07bc36703f33\u002Felement\u002Fdbba9c9c-5f78-47fa-9502-0bdee222cb6f","type":"text","family-id":"5470a149-2891-43db-a134-622d39c196e9","title":"","id":"dbba9c9c-5f78-47fa-9502-0bdee222cb6f","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಪ್ರದೀಪ, ದಾವಣಗೆರೆ\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F1d895dbd-3a54-453e-a06d-07bc36703f33\u002Felement\u002F30b61741-7420-40de-b9ec-830b964dd7b2","type":"text","family-id":"fe9580d1-6574-455f-bcfa-ae12e4d710c9","title":"","id":"30b61741-7420-40de-b9ec-830b964dd7b2","metadata":{"question":"\u003Cp\u003Eನಾನು ಬೆಂಗಳೂರಿನಲ್ಲಿ ಖಾಸಗಿ ಕಂಪನಿಯಲ್ಲಿ ಕೆಲಸ ನಿರ್ವಹಿಸುತ್ತಿದ್ದು, ಆದಾಯ ತೆರಿಗೆ ಪಾವತಿಸುತ್ತಿದ್ದೇನೆ. ಸ್ವಂತ ಊರಿನಲ್ಲಿ ಹೊಸ ಮನೆ ಕಟ್ಟಿಸುತ್ತಿದ್ದೇನೆ. ನನ್ನ ವೇತನದಲ್ಲಿ ಉಳಿತಾಯದ ಹಣವನ್ನು ಮನೆ ನಿರ್ಮಾಣಕ್ಕಾಗಿ ನನ್ನ ತಂದೆಯ ಖಾತೆಗೆ ವರ್ಗಾಹಿಸುತ್ತಿದ್ದೇನೆ. ಅವರು ಕೃಷಿಕರಾಗಿದ್ದಾರೆ. ಅವರ ಖಾತೆಗೆ ನಾನು ಜಮೆ ಮಾಡುವ ಹಣಕ್ಕೆ ತೆರಿಗೆ ಅನ್ವಯಸುತ್ತದೆಯೇ? ನಾನು ಹೀಗೆ ವರ್ಗಾಯಿಸುವುದರಿಂದ ಯಾವುದಾದರೂ ಸಮಸ್ಯೆ ಇದೆಯೇ? ಈ ವರ್ಗಾವಣೆಯನ್ನು ನಮ್ಮ ಮನೆಯ ನಿರ್ಮಾಣಕ್ಕೋಸ್ಕರ ಹೇಗೆ ನಿರ್ವಹಿಸಬಹುದು? ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ \u003C\u002Fp\u003E","answer":"\u003Cp\u003Eಈಗಾಗಲೇ ನೀವು ತೆರಿಗೆ ಪಾವತಿಸುತ್ತಿರುವ ಬಗ್ಗೆ ಹೇಳಿದ್ದೀರಿ. ನಿಮ್ಮ ತಂದೆಯವರು ಕೃಷಿ ಆದಾಯ ಹೊಂದಿರುವ ಬಗ್ಗೆ ತಿಳಿಸಿದ್ದೀರಿ. ಊರಿನಲ್ಲಿ ಮನೆ ನಿರ್ಮಿಸುವುದು ನಿಮ್ಮ ಉದ್ದೇಶವಾಗಿದೆ. ಪ್ರಶ್ನೆಯಲ್ಲಿ ಹೇಳಿರುವಂತೆ ನಿಮ್ಮ ಗಳಿಕೆಯಲ್ಲಿ ಉಳಿದ ಒಂದಷ್ಟು ಮೊತ್ತವನ್ನು ಮನೆ ನಿರ್ಮಾಣದ ಉದ್ದೇಶಕ್ಕಾಗಿ ಉಪಯೋಗಿಸುತ್ತಿದ್ದೀರಿ. ಈ ಮೊತ್ತವು ನಿಮ್ಮ ತೆರಿಗೆ ಆದಾಯದ ಭಾಗವೇ ಆಗಿದೆ. ಇದಕ್ಕೆ ಅನ್ವಯವಾಗುವ ತೆರಿಗೆಯನ್ನು ನೀವು ಈಗಾಗಲೇ ಕಟ್ಟಿರುತ್ತೀರಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಇಲ್ಲಿರುವ ಪ್ರಶ್ನೆ ಎಂದರೆ ಯಾವ ರೀತಿ ನೀವು ಈ ಮೊತ್ತವನ್ನು ನೈಜ ಉದ್ದೇಶಕ್ಕಾಗಿ ಬಳಸಿಕೊಳ್ಳಬೇಕು ಎಂಬುದಾಗಿದೆ. ಇದಕ್ಕೆ ಸಂಬಂಧಿಸಿದಂತೆ ನೀವು ಈ ಕೆಳಗಿನ ಆಯ್ಕೆಗಳಲ್ಲಿ ಸೂಕ್ತ ಹಾಗೂ ವ್ಯಾವಹಾರಿಕವಾಗಿ ನಿಮಗೆ ಸಾಧ್ಯವಾಗುವ ರೀತಿಯಲ್ಲಿ ಅಳವಡಿಸಿಕೊಳ್ಳಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eಯಾವುದೇ ಹಣದ ವರ್ಗಾವಣೆಯು ತಮ್ಮ ಸಮೀಪದ ಬಂಧುಗಳ ನಡುವೆ ನಡೆದರೆ ಅಂತಹ ವರ್ಗಾವಣೆಯು ಕೆಲವು ರಿಯಾಯಿತಿಗೆ ಒಳಪಡುತ್ತದೆ. ಅರ್ಥಾತ್ ಆ ಮೊತ್ತವನ್ನು ತೆರಿಗೆಗೆ ಒಳಪಡಿಸಲಾಗುವುದಿಲ್ಲ. ಆದರೆ, ಇದಕ್ಕೆ ಸೂಕ್ತ ವರ್ಗಾವಣೆಯ ‘ಗಿಫ್ಟ್ ಡೀಡ್’ ಹೊಂದಬೇಕಿದೆ. ಮುಂದಿನ ಆರ್ಥಿಕ ವ್ಯವಹಾರಗಳ ಪಾರದರ್ಶಕತೆಯ ದೃಷ್ಟಿಯಿಂದ ಇದು ಅತ್ಯಗತ್ಯವಾಗಿದೆ. ಇದಕ್ಕೆ ಯಾವುದೇ ಆರ್ಥಿಕ ಮಿತಿ ಇಲ್ಲ.  \u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಊರಿನಲ್ಲಿ ತಂದೆಯವರ ಹೆಸರಿನಲ್ಲಿ ಈಗಾಗಲೇ ಒಂದು ಬ್ಯಾಂಕ್‌ ಖಾತೆಯಿದೆ. ಈ ಖಾತೆಗೆ ನಿಮ್ಮ ಹೆಸರನ್ನು ಸೇರಿಸಿ ಅಥವಾ ನಿಮ್ಮ ಹೆಸರಲ್ಲಿ (ಪ್ರಾಥಮಿಕ ಖಾತೆದಾರರಾಗಿ) ಒಂದು ಖಾತೆ ತೆರೆದು ಆ ಖಾತೆಗೆ ನಿಮ್ಮ ತಂದೆಯ ಹೆಸರನ್ನು ಸೇರಿಸಿ ಜಂಟಿ ಖಾತೆ ತೆರೆಯಿರಿ. ಅದರಲ್ಲಿ ನಿಮ್ಮಿಬ್ಬರಲ್ಲಿ ಯಾರೇ ಆದರೂ ವೈಯಕ್ತಿಕವಾಗಿ ಪಾವತಿ ವ್ಯವಹಾರ ಮಾಡುವ ಅವಕಾಶ ಕೊಡುವಂತೆ ಬ್ಯಾಂಕ್ ಖಾತೆ ತೆರೆಯುವಾಗ ಸೂಚಿಸಿ. ನೀವು ಪ್ರತಿ ಬಾರಿ ಹಣ ಕಳುಹಿಸುವಾಗ ನಿಮ್ಮ ಹೆಸರಲ್ಲಿ ಜಂಟಿ ಖಾತೆಗೆ ಹಣ ವರ್ಗಾಯಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಆದಾಯವು ಈಗಾಗಲೇ ಘೋಷಣೆ ಆಗಿದೆ. ಹಾಗಾಗಿ, ಒಂದು ಖಾತೆಯಿಂದ ಇನ್ನೊಂದು ಖಾತೆಗೆ ನಿಮ್ಮ ಹಣವನ್ನು ನಿಮ್ಮ ಅನುಕೂಲಕ್ಕೆ ವರ್ಗಾಯಿಸುವುದರಿಂದ ತೆರಿಗೆ ವಿಚಾರ ಉದ್ಭವಿಸುವುದಿಲ್ಲ. ಖಾತೆಗೆ ನಿಮ್ಮ ತಂದೆಯವರೂ ಅಧಿಕೃತ ಸಹಿದಾರರಾಗುವುದರಿಂದ ಯಾವುದೇ ಸಮಸ್ಯೆ ಎದುರಾಗುವುದಿಲ್ಲ. ಅಗತ್ಯವಿದ್ದಾಗ ಮೊತ್ತ ಹಿಂಪಡೆದು ಪಾವತಿ ಮಾಡಬಹುದು.  \u003C\u002Fp\u003E\u003Cp\u003Eಕೊನೆಯ ಅವಕಾಶವಾಗಿ ನೀವು ವರ್ಗಾಯಿಸುವ ಮೊತ್ತವನ್ನು ಸಾಲ ಎಂದು ದಾಖಲಿಸಿ ಹಣವನ್ನು ವರ್ಗಾಯಿಸಿಕೊಳ್ಳಬಹುದಾಗಿದೆ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಬೆಂಗಳೂರಿನಲ್ಲಿ ಖಾಸಗಿ ಕಂಪನಿಯಲ್ಲಿ ಕೆಲಸ ನಿರ್ವಹಿಸುತ್ತಿದ್ದು, ಆದಾಯ ತೆರಿಗೆ ಪಾವತಿಸುತ್ತಿದ್ದೇನೆ. ಸ್ವಂತ ಊರಿನಲ್ಲಿ ಹೊಸ ಮನೆ ಕಟ್ಟಿಸುತ್ತಿದ್ದೇನೆ. ನನ್ನ ವೇತನದಲ್ಲಿ ಉಳಿತಾಯದ ಹಣವನ್ನು ಮನೆ ನಿರ್ಮಾಣಕ್ಕಾಗಿ ನನ್ನ ತಂದೆಯ ಖಾತೆಗೆ ವರ್ಗಾಹಿಸುತ್ತಿದ್ದೇನೆ. ಅವರು ಕೃಷಿಕರಾಗಿದ್ದಾರೆ. ಅವರ ಖಾತೆಗೆ ನಾನು ಜಮೆ ಮಾಡುವ ಹಣಕ್ಕೆ ತೆರಿಗೆ ಅನ್ವಯಸುತ್ತದೆಯೇ? ನಾನು ಹೀಗೆ ವರ್ಗಾಯಿಸುವುದರಿಂದ ಯಾವುದಾದರೂ ಸಮಸ್ಯೆ ಇದೆಯೇ? ಈ ವರ್ಗಾವಣೆಯನ್ನು ನಮ್ಮ ಮನೆಯ ನಿರ್ಮಾಣಕ್ಕೋಸ್ಕರ ಹೇಗೆ ನಿರ್ವಹಿಸಬಹುದು? ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eಈಗಾಗಲೇ ನೀವು ತೆರಿಗೆ ಪಾವತಿಸುತ್ತಿರುವ ಬಗ್ಗೆ ಹೇಳಿದ್ದೀರಿ. ನಿಮ್ಮ ತಂದೆಯವರು ಕೃಷಿ ಆದಾಯ ಹೊಂದಿರುವ ಬಗ್ಗೆ ತಿಳಿಸಿದ್ದೀರಿ. ಊರಿನಲ್ಲಿ ಮನೆ ನಿರ್ಮಿಸುವುದು ನಿಮ್ಮ ಉದ್ದೇಶವಾಗಿದೆ. ಪ್ರಶ್ನೆಯಲ್ಲಿ ಹೇಳಿರುವಂತೆ ನಿಮ್ಮ ಗಳಿಕೆಯಲ್ಲಿ ಉಳಿದ ಒಂದಷ್ಟು ಮೊತ್ತವನ್ನು ಮನೆ ನಿರ್ಮಾಣದ ಉದ್ದೇಶಕ್ಕಾಗಿ ಉಪಯೋಗಿಸುತ್ತಿದ್ದೀರಿ. ಈ ಮೊತ್ತವು ನಿಮ್ಮ ತೆರಿಗೆ ಆದಾಯದ ಭಾಗವೇ ಆಗಿದೆ. ಇದಕ್ಕೆ ಅನ್ವಯವಾಗುವ ತೆರಿಗೆಯನ್ನು ನೀವು ಈಗಾಗಲೇ ಕಟ್ಟಿರುತ್ತೀರಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಇಲ್ಲಿರುವ ಪ್ರಶ್ನೆ ಎಂದರೆ ಯಾವ ರೀತಿ ನೀವು ಈ ಮೊತ್ತವನ್ನು ನೈಜ ಉದ್ದೇಶಕ್ಕಾಗಿ ಬಳಸಿಕೊಳ್ಳಬೇಕು ಎಂಬುದಾಗಿದೆ. ಇದಕ್ಕೆ ಸಂಬಂಧಿಸಿದಂತೆ ನೀವು ಈ ಕೆಳಗಿನ ಆಯ್ಕೆಗಳಲ್ಲಿ ಸೂಕ್ತ ಹಾಗೂ ವ್ಯಾವಹಾರಿಕವಾಗಿ ನಿಮಗೆ ಸಾಧ್ಯವಾಗುವ ರೀತಿಯಲ್ಲಿ ಅಳವಡಿಸಿಕೊಳ್ಳಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eಯಾವುದೇ ಹಣದ ವರ್ಗಾವಣೆಯು ತಮ್ಮ ಸಮೀಪದ ಬಂಧುಗಳ ನಡುವೆ ನಡೆದರೆ ಅಂತಹ ವರ್ಗಾವಣೆಯು ಕೆಲವು ರಿಯಾಯಿತಿಗೆ ಒಳಪಡುತ್ತದೆ. ಅರ್ಥಾತ್ ಆ ಮೊತ್ತವನ್ನು ತೆರಿಗೆಗೆ ಒಳಪಡಿಸಲಾಗುವುದಿಲ್ಲ. ಆದರೆ, ಇದಕ್ಕೆ ಸೂಕ್ತ ವರ್ಗಾವಣೆಯ ‘ಗಿಫ್ಟ್ ಡೀಡ್’ ಹೊಂದಬೇಕಿದೆ. ಮುಂದಿನ ಆರ್ಥಿಕ ವ್ಯವಹಾರಗಳ ಪಾರದರ್ಶಕತೆಯ ದೃಷ್ಟಿಯಿಂದ ಇದು ಅತ್ಯಗತ್ಯವಾಗಿದೆ. ಇದಕ್ಕೆ ಯಾವುದೇ ಆರ್ಥಿಕ ಮಿತಿ ಇಲ್ಲ.  \u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಊರಿನಲ್ಲಿ ತಂದೆಯವರ ಹೆಸರಿನಲ್ಲಿ ಈಗಾಗಲೇ ಒಂದು ಬ್ಯಾಂಕ್‌ ಖಾತೆಯಿದೆ. ಈ ಖಾತೆಗೆ ನಿಮ್ಮ ಹೆಸರನ್ನು ಸೇರಿಸಿ ಅಥವಾ ನಿಮ್ಮ ಹೆಸರಲ್ಲಿ (ಪ್ರಾಥಮಿಕ ಖಾತೆದಾರರಾಗಿ) ಒಂದು ಖಾತೆ ತೆರೆದು ಆ ಖಾತೆಗೆ ನಿಮ್ಮ ತಂದೆಯ ಹೆಸರನ್ನು ಸೇರಿಸಿ ಜಂಟಿ ಖಾತೆ ತೆರೆಯಿರಿ. ಅದರಲ್ಲಿ ನಿಮ್ಮಿಬ್ಬರಲ್ಲಿ ಯಾರೇ ಆದರೂ ವೈಯಕ್ತಿಕವಾಗಿ ಪಾವತಿ ವ್ಯವಹಾರ ಮಾಡುವ ಅವಕಾಶ ಕೊಡುವಂತೆ ಬ್ಯಾಂಕ್ ಖಾತೆ ತೆರೆಯುವಾಗ ಸೂಚಿಸಿ. ನೀವು ಪ್ರತಿ ಬಾರಿ ಹಣ ಕಳುಹಿಸುವಾಗ ನಿಮ್ಮ ಹೆಸರಲ್ಲಿ ಜಂಟಿ ಖಾತೆಗೆ ಹಣ ವರ್ಗಾಯಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಆದಾಯವು ಈಗಾಗಲೇ ಘೋಷಣೆ ಆಗಿದೆ. ಹಾಗಾಗಿ, ಒಂದು ಖಾತೆಯಿಂದ ಇನ್ನೊಂದು ಖಾತೆಗೆ ನಿಮ್ಮ ಹಣವನ್ನು ನಿಮ್ಮ ಅನುಕೂಲಕ್ಕೆ ವರ್ಗಾಯಿಸುವುದರಿಂದ ತೆರಿಗೆ ವಿಚಾರ ಉದ್ಭವಿಸುವುದಿಲ್ಲ. ಖಾತೆಗೆ ನಿಮ್ಮ ತಂದೆಯವರೂ ಅಧಿಕೃತ ಸಹಿದಾರರಾಗುವುದರಿಂದ ಯಾವುದೇ ಸಮಸ್ಯೆ ಎದುರಾಗುವುದಿಲ್ಲ. ಅಗತ್ಯವಿದ್ದಾಗ ಮೊತ್ತ ಹಿಂಪಡೆದು ಪಾವತಿ ಮಾಡಬಹುದು.  \u003C\u002Fp\u003E\u003Cp\u003Eಕೊನೆಯ ಅವಕಾಶವಾಗಿ ನೀವು ವರ್ಗಾಯಿಸುವ ಮೊತ್ತವನ್ನು ಸಾಲ ಎಂದು ದಾಖಲಿಸಿ ಹಣವನ್ನು ವರ್ಗಾಯಿಸಿಕೊಳ್ಳಬಹುದಾಗಿದೆ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F1d895dbd-3a54-453e-a06d-07bc36703f33\u002Felement\u002F14e7ec66-d927-4b02-b936-808b902bd108","type":"text","family-id":"27b0f6a0-0e83-40c2-a8ed-a2c59a0cacf5","title":"","id":"14e7ec66-d927-4b02-b936-808b902bd108","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಅಶ್ವಿನಿ ಬಿ.ಎನ್., ಊರು ಹೆಸರಿಸಿಲ್ಲ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F1d895dbd-3a54-453e-a06d-07bc36703f33\u002Felement\u002F12b6e368-a259-4c27-89fd-81c2d8f1942f","type":"text","family-id":"a7c6e270-8833-4619-9e71-cb54ea565bb6","title":"","id":"12b6e368-a259-4c27-89fd-81c2d8f1942f","metadata":{"question":"\u003Cp\u003Eತುಮಕೂರು ಜಿಲ್ಲೆಯ ಹಳ್ಳಿಯೊಂದರಲ್ಲಿ ನನಗೆ ಒಂದು ಎಕರೆ ಭೂಮಿ ಇದೆ. ಪ್ರಸ್ತುತ ಈ ಭೂಮಿಯನ್ನು ಮಾರಾಟ ಮಾಡುವ ಹಂತದಲ್ಲಿದ್ದೇನೆ. ಈ ಭೂಮಿಯ ಗೈಡೆನ್ಸ್ ಮೌಲ್ಯ ₹4 ಲಕ್ಷ. ನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ ಈ ಮೌಲ್ಯಕ್ಕಿಂತ ಅಧಿಕ ಮೊತ್ತಕ್ಕೆ ಭೂಮಿ ಮಾರಾಟ ಮಾಡುವ ಸಂದರ್ಭದಲ್ಲಿ ವರ್ಗಾವಣೆ ದಾಖಲೆಗಳಲ್ಲಿ ಮೌಲ್ಯವನ್ನು ನಮೂದಿಸಬಹುದೇ? ಖರೀದಿದಾರರು ತಾವು ಪಾವತಿಸುವ ಮೊತ್ತವನ್ನು ಬ್ಯಾ೦ಕ್‌ ಮೂಲಕ ಆರ್‌ಟಿಜಿಎಸ್ ಮಾಡುವ ಬಗ್ಗೆ ಒಪ್ಪಿರುತ್ತಾರೆ. ಈ ರೀತಿ ವರ್ಗಾಯಿಸುವುದು ಸುರಕ್ಷಿತವೇ? ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ.\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eಯಾವುದೇ ಭೂಮಿಯನ್ನು ಮಾರಾಟ ಮಾಡುವ ಸಂದರ್ಭದಲ್ಲಿ ಮುದ್ರಾಂಕ ಶುಲ್ಕದ ತೀರ್ಮಾನಕ್ಕೆ ಭೂಮಿಯ ಕನಿಷ್ಠ ಮೌಲ್ಯವನ್ನು ಸರ್ಕಾರ ನಿರ್ಧರಿಸಿ ಸುತ್ತೋಲೆ ಹೊರಡಿಸುತ್ತದೆ. ಇದು ತಮಗೆ ಗೊತ್ತಿರಬಹುದಾದ ವಿಚಾರವಾಗಿದೆ. ಆದರೆ, ಈ ಮೌಲ್ಯಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ಮೊತ್ತಕ್ಕೆ ಕೊಂಡುಕೊಳ್ಳುವವರ ನಡುವೆ ಆರ್ಥಿಕ ಮೌಲ್ಯ ನಿರ್ಧಾರವಾಗಿದ್ದರೆ ಅದಕ್ಕೆ ಯಾರೂ ಅಡ್ಡಿ ಬರಲು ಸಾಧ್ಯವಿಲ್ಲ.\u003C\u002Fp\u003E\u003Cp\u003Eಕೊಂಡುಕೊಳ್ಳುವವರ ನಡುವಿನ ವ್ಯವಹಾರದಲ್ಲಿ ಆಸ್ತಿಯ ಮೇಲಿನ ಮೌಲ್ಯ ನಿರ್ಧಾರವಾಗುತ್ತದೆ. ಹೀಗಾಗಿ, ನಿಮ್ಮ ಭೂಮಿಯ ಮಾರಾಟ ಮೊತ್ತವನ್ನು ಗೈಡೆನ್ಸ್ ಮೌಲ್ಯ ₹4 ಲಕ್ಷ ಮೀರಿಯೂ ನಿಗದಿ ಮಾಡಬಹುದು. ಆದರೆ, ಅದಕ್ಕೆ ಸಂಬಂಧಿಸಿ ಮುದ್ರಾ೦ಕ ಶುಲ್ಕವನ್ನು, ಭೂಮಿ ಖರೀದಿಸುವವರು ಪಾವತಿಸುವುದಕ್ಕೆ ತಯಾರಿರಬೇಕು. ಅದೇ ರೀತಿ ಬಂಡವಾಳ ಗಳಿಕೆ ಮೇಲಿನ ತೆರಿಗೆ ಅನ್ವಯಿಸುವುದೇ ಆಗಿದ್ದಲ್ಲಿ ಮುಂದೆ ಮಾರಾಟದ ಸಮಯದಲ್ಲಿ ಕೊಂಡುಕೊಂಡವರು ಅದನ್ನು ಅಸಲು ಎಂದು ಪರಿಗಣಿಸುವುದಕ್ಕೂ ಅವಕಾಶ ಇದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಹಳ್ಳಿ ಪ್ರದೇಶದ ಯಾವುದೇ ಕೃಷಿ ಭೂಮಿಯನ್ನು ವರ್ಗಾವಣೆ ಮಾಡಿದಾಗ ಬಂಡವಾಳ ಗಳಿಕೆ ಮೇಲಿನ ತೆರಿಗೆ ಇರುವುದಿಲ್ಲ. ಆದರೆ, ಆ ಭೂಮಿಯನ್ನು ಕೃಷಿಗಾಗಿ ಉಪಯೋಗಿಸಲಾಗುತ್ತದೆಯೇ ಎಂಬುದನ್ನು ಖಾತರಿಪಡಿಸುವ ದಾಖಲೆಗಳನ್ನು ಹೊಂದಿರಬೇಕಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನು ಹಣ ವರ್ಗಾವಣೆಗೆ ಸಂಬಂಧಿಸಿ ನೀವು ಆರ್‌ಟಿಜಿಎಸ್ ಮೂಲಕ ಭೂಮಿಯ ಮೌಲ್ಯವನ್ನು ಪಡೆಯಬಹುದು. ಇದು ಸಹಜ ಪಾವತಿ ಪದ್ಧತಿಯಾಗಿದೆ. ಹೀಗಾಗಿ, ವರ್ಗಾವಣೆಯ ಸಮಯದಲ್ಲಿ ನಿಮ್ಮ ಖಾತೆಗೆ ಮೊತ್ತ ಜಮೆ ಆಗಿರುವ ಬಗ್ಗೆ ಬ್ಯಾಂಕ್‌ನಲ್ಲಿ ವಿಚಾರಿಸಿ ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಬೇಕು. ಪರ್ಯಾಯವಾಗಿ ನೀವು ಡಿ.ಡಿ ಮೂಲಕವೂ ಹಣ ಪಡೆಯಬಹುದು. ನಿಮ್ಮ ಅನುಕೂಲಕರ ಬ್ಯಾಂಕ್ ಖಾತೆಗೆ ಅದನ್ನು ಜಮೆ ಮಾಡಬಹುದು. ಈ ಬಗ್ಗೆ ಮಾಹಿತಿಯನ್ನು ನಿಮ್ಮ ವರ್ಗಾವಣೆ ದಾಖಲೆಗಳಲ್ಲಿ ಸೇರಿಸಿಕೊಳ್ಳಿ. ಅಗತ್ಯ ಕಂಡುಬಂದರೆ ಹೆಚ್ಚುವರಿ ಮಾರ್ಗದರ್ಶನಕ್ಕಾಗಿ ನುರಿತ ವಕೀಲರಿಂದಲೂ ಸಲಹೆ ಪಡೆದುಕೊಳ್ಳಬಹುದು.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eತುಮಕೂರು ಜಿಲ್ಲೆಯ ಹಳ್ಳಿಯೊಂದರಲ್ಲಿ ನನಗೆ ಒಂದು ಎಕರೆ ಭೂಮಿ ಇದೆ. ಪ್ರಸ್ತುತ ಈ ಭೂಮಿಯನ್ನು ಮಾರಾಟ ಮಾಡುವ ಹಂತದಲ್ಲಿದ್ದೇನೆ. ಈ ಭೂಮಿಯ ಗೈಡೆನ್ಸ್ ಮೌಲ್ಯ ₹4 ಲಕ್ಷ. ನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ ಈ ಮೌಲ್ಯಕ್ಕಿಂತ ಅಧಿಕ ಮೊತ್ತಕ್ಕೆ ಭೂಮಿ ಮಾರಾಟ ಮಾಡುವ ಸಂದರ್ಭದಲ್ಲಿ ವರ್ಗಾವಣೆ ದಾಖಲೆಗಳಲ್ಲಿ ಮೌಲ್ಯವನ್ನು ನಮೂದಿಸಬಹುದೇ? ಖರೀದಿದಾರರು ತಾವು ಪಾವತಿಸುವ ಮೊತ್ತವನ್ನು ಬ್ಯಾ೦ಕ್‌ ಮೂಲಕ ಆರ್‌ಟಿಜಿಎಸ್ ಮಾಡುವ ಬಗ್ಗೆ ಒಪ್ಪಿರುತ್ತಾರೆ. ಈ ರೀತಿ ವರ್ಗಾಯಿಸುವುದು ಸುರಕ್ಷಿತವೇ? ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eಯಾವುದೇ ಭೂಮಿಯನ್ನು ಮಾರಾಟ ಮಾಡುವ ಸಂದರ್ಭದಲ್ಲಿ ಮುದ್ರಾಂಕ ಶುಲ್ಕದ ತೀರ್ಮಾನಕ್ಕೆ ಭೂಮಿಯ ಕನಿಷ್ಠ ಮೌಲ್ಯವನ್ನು ಸರ್ಕಾರ ನಿರ್ಧರಿಸಿ ಸುತ್ತೋಲೆ ಹೊರಡಿಸುತ್ತದೆ. ಇದು ತಮಗೆ ಗೊತ್ತಿರಬಹುದಾದ ವಿಚಾರವಾಗಿದೆ. ಆದರೆ, ಈ ಮೌಲ್ಯಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ಮೊತ್ತಕ್ಕೆ ಕೊಂಡುಕೊಳ್ಳುವವರ ನಡುವೆ ಆರ್ಥಿಕ ಮೌಲ್ಯ ನಿರ್ಧಾರವಾಗಿದ್ದರೆ ಅದಕ್ಕೆ ಯಾರೂ ಅಡ್ಡಿ ಬರಲು ಸಾಧ್ಯವಿಲ್ಲ.\u003C\u002Fp\u003E\u003Cp\u003Eಕೊಂಡುಕೊಳ್ಳುವವರ ನಡುವಿನ ವ್ಯವಹಾರದಲ್ಲಿ ಆಸ್ತಿಯ ಮೇಲಿನ ಮೌಲ್ಯ ನಿರ್ಧಾರವಾಗುತ್ತದೆ. ಹೀಗಾಗಿ, ನಿಮ್ಮ ಭೂಮಿಯ ಮಾರಾಟ ಮೊತ್ತವನ್ನು ಗೈಡೆನ್ಸ್ ಮೌಲ್ಯ ₹4 ಲಕ್ಷ ಮೀರಿಯೂ ನಿಗದಿ ಮಾಡಬಹುದು. ಆದರೆ, ಅದಕ್ಕೆ ಸಂಬಂಧಿಸಿ ಮುದ್ರಾ೦ಕ ಶುಲ್ಕವನ್ನು, ಭೂಮಿ ಖರೀದಿಸುವವರು ಪಾವತಿಸುವುದಕ್ಕೆ ತಯಾರಿರಬೇಕು. ಅದೇ ರೀತಿ ಬಂಡವಾಳ ಗಳಿಕೆ ಮೇಲಿನ ತೆರಿಗೆ ಅನ್ವಯಿಸುವುದೇ ಆಗಿದ್ದಲ್ಲಿ ಮುಂದೆ ಮಾರಾಟದ ಸಮಯದಲ್ಲಿ ಕೊಂಡುಕೊಂಡವರು ಅದನ್ನು ಅಸಲು ಎಂದು ಪರಿಗಣಿಸುವುದಕ್ಕೂ ಅವಕಾಶ ಇದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಹಳ್ಳಿ ಪ್ರದೇಶದ ಯಾವುದೇ ಕೃಷಿ ಭೂಮಿಯನ್ನು ವರ್ಗಾವಣೆ ಮಾಡಿದಾಗ ಬಂಡವಾಳ ಗಳಿಕೆ ಮೇಲಿನ ತೆರಿಗೆ ಇರುವುದಿಲ್ಲ. ಆದರೆ, ಆ ಭೂಮಿಯನ್ನು ಕೃಷಿಗಾಗಿ ಉಪಯೋಗಿಸಲಾಗುತ್ತದೆಯೇ ಎಂಬುದನ್ನು ಖಾತರಿಪಡಿಸುವ ದಾಖಲೆಗಳನ್ನು ಹೊಂದಿರಬೇಕಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನು ಹಣ ವರ್ಗಾವಣೆಗೆ ಸಂಬಂಧಿಸಿ ನೀವು ಆರ್‌ಟಿಜಿಎಸ್ ಮೂಲಕ ಭೂಮಿಯ ಮೌಲ್ಯವನ್ನು ಪಡೆಯಬಹುದು. ಇದು ಸಹಜ ಪಾವತಿ ಪದ್ಧತಿಯಾಗಿದೆ. ಹೀಗಾಗಿ, ವರ್ಗಾವಣೆಯ ಸಮಯದಲ್ಲಿ ನಿಮ್ಮ ಖಾತೆಗೆ ಮೊತ್ತ ಜಮೆ ಆಗಿರುವ ಬಗ್ಗೆ ಬ್ಯಾಂಕ್‌ನಲ್ಲಿ ವಿಚಾರಿಸಿ ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಬೇಕು. ಪರ್ಯಾಯವಾಗಿ ನೀವು ಡಿ.ಡಿ ಮೂಲಕವೂ ಹಣ ಪಡೆಯಬಹುದು. ನಿಮ್ಮ ಅನುಕೂಲಕರ ಬ್ಯಾಂಕ್ ಖಾತೆಗೆ ಅದನ್ನು ಜಮೆ ಮಾಡಬಹುದು. ಈ ಬಗ್ಗೆ ಮಾಹಿತಿಯನ್ನು ನಿಮ್ಮ ವರ್ಗಾವಣೆ ದಾಖಲೆಗಳಲ್ಲಿ ಸೇರಿಸಿಕೊಳ್ಳಿ. ಅಗತ್ಯ ಕಂಡುಬಂದರೆ ಹೆಚ್ಚುವರಿ ಮಾರ್ಗದರ್ಶನಕ್ಕಾಗಿ ನುರಿತ ವಕೀಲರಿಂದಲೂ ಸಲಹೆ ಪಡೆದುಕೊಳ್ಳಬಹುದು.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1724176471028,"content-version-id":"1b3168ba-c50a-451f-a49b-794ef5d42c66","card-added-at":1724158822554,"status":"draft","id":"d8ae3ace-ceea-4abb-a827-22cebbcd4015","content-id":"d8ae3ace-ceea-4abb-a827-22cebbcd4015","version":23,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ | ತಂದೆ ಖಾತೆಗೆ ಜಮೆ ಮಾಡುವ ಹಣಕ್ಕೆ ತೆರಿಗೆ ಅನ್ವಯಿಸುತ್ತದೆಯೇ?","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-08-20\u002Fg01pekst\u002Fprajavani_2024-08-07_x4uxs0h2_prajavani_2024-06_04e5ec24-f762-49b0-8396-b00e5fed7e5a_taxweb.avif","url":null,"attribution":null,"alt-text":null,"caption":null,"metadata":{"width":500,"height":281,"mime-type":"image\u002Favif","file-size":30604,"file-name":"prajavani_2024-08-07_x4uxs0h2_prajavani_2024-06_04e5ec24-f762-49b0-8396-b00e5fed7e5a_taxweb.avif","focus-point":[223,110]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fexperts-answer-to-financial-and-tax-related-problems-2934510","story-version-id":"27eca6bd-d76b-4b43-87ac-1cdbca8d52f3","content-type":"story","content-updated-at":1724196899754,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1724196900000,"hero-image-caption":null,"version":28,"story-template":"syndicated","sequence-no":null,"created-at":1724176471017,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ 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","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"width":320,"height":180,"mime-type":"image\u002Favif","file-size":10109,"file-name":"deccanherald_2023-12_5f5b6a91-817e-40cd-8734-e138a06397c3_markets_istock_.avif","focus-point":[147,72]},"comments":null,"word-count":510,"story-features":{"push-notification":{"is-scheduled":false,"publish-at":null}},"entities":{},"published-at":1723604127588,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"last-correction-published-at":1723604250654,"summary":null,"push-notification-title":null,"external-id":null,"canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"c7acf93d-f3a2-428d-96e6-0bac38ffa79f","hero-image-s3-key":"prajavani\u002F2024-08-14\u002F7ddsjrxp\u002Fdeccanherald_2023-12_5f5b6a91-817e-40cd-8734-e138a06397c3_markets_istock_.avif","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002Fc7acf93d-f3a2-428d-96e6-0bac38ffa79f\u002Felement\u002F72e4e13d-8a1f-4c02-b750-7c82b55c189e","type":"text","family-id":"ad878f9c-4a43-4f64-a0ec-8126f3abb063","title":"","id":"72e4e13d-8a1f-4c02-b750-7c82b55c189e","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003Eಹಣಕಾಸಿಗೆ ಸಂಬಂಧಿಸಿದ ಪ್ರಶ್ನೆಗಳನ್ನು ಪತ್ರದಲ್ಲಿ (ದೂರವಾಣಿ ಸಂಖ್ಯೆ ಸಹಿತ) ಬರೆದು ಕಳುಹಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eವಿಳಾಸ: ಪ್ರಶ್ನೋತ್ತರ, ವಾಣಿಜ್ಯ ವಿಭಾಗ, ಪ್ರಜಾವಾಣಿ, ನಂ.75, ಮಹಾತ್ಮ ಗಾಂಧಿ ರಸ್ತೆ, ಬೆಂಗಳೂರು–560001.\u003C\u002Fp\u003E\u003Cp\u003Eಇ–ಮೇಲ್‌: businessdesk@prajavani.co.in\u003C\u002Fp\u003E\u003Cp\u003E****\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fc7acf93d-f3a2-428d-96e6-0bac38ffa79f\u002Felement\u002F98d13723-d36e-45b6-9241-470d48c74288","type":"text","family-id":"ef8d121b-164f-4af4-a5ed-c0761fa59c7d","title":"","id":"98d13723-d36e-45b6-9241-470d48c74288","metadata":{},"subtype":null,"text":"\u003Cp\u003E-ಮಹೇಶ್, ಬೆಂಗಳೂರು.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fc7acf93d-f3a2-428d-96e6-0bac38ffa79f\u002Felement\u002Fdaf7a110-1263-49e1-8887-8d39e87f57d7","type":"text","family-id":"98c8f71c-9577-4122-acf9-99d2f2fd0909","title":"","id":"daf7a110-1263-49e1-8887-8d39e87f57d7","metadata":{"question":"\u003Cp\u003E2004ರಲ್ಲಿ ನನ್ನ ಪತ್ನಿಯು ₹3 ಲಕ್ಷಕ್ಕೆ ಆಸ್ತಿಯೊಂದನ್ನು ಖರೀದಿಸಿದ್ದರು. ಪ್ರಸ್ತುತ ಅದರ ಮಾರುಕಟ್ಟೆ ಮೌಲ್ಯವು ಸುಮಾರು ₹1 ಕೋಟಿ ಆಗಿದೆ. ಅವರು ಸರ್ಕಾರಿ ಸ್ವಾಮ್ಯದ ಉದ್ದಿಮೆಯೊಂದರಲ್ಲಿ  ಕೆಲಸ ಮಾಡುತ್ತಿದ್ದಾರೆ. ಶೇ 30ರ ಆದಾಯ ತೆರಿಗೆ ಶ್ರೇಣಿಯಲ್ಲಿ ಬರುತ್ತಾರೆ. \u003Cstrong\u003Eಈ ಆಸ್ತಿ ಮಾರಾಟ ಮಾಡುವ ಕುರಿತು ನನಗೆ ಕೆಲವು ಪ್ರಶ್ನೆಗಳಿವೆ;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E* ಇತ್ತೀಚಿನ ಆದಾಯ ತೆರಿಗೆ ಮಾರ್ಗಸೂಚಿ ಪ್ರಕಾರ ಲಾಭದ ಮೇಲೆ ಶೇ 12.50 ದರದಲ್ಲಿ (ಸೂಚ್ಯಂಕ ರಹಿತ ಲಾಭ) ಅಥವಾ ಶೇ 20ರ ದರದಲ್ಲಿ (ಸೂಚ್ಯಂಕ ಸಹಿತ ಲಾಭ) ತೆರಿಗೆ ವಿಧಿಸಲಾಗುವುದೇ? ಆ ಮಾರಾಟದ ಮೊತ್ತವನ್ನು ಅವರ ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್‌ಗಳಲ್ಲಿ ತೋರಿಸಬೇಕೇ ಮತ್ತು ಇದಕ್ಕೆ ಹೆಚ್ಚುವರಿ ಶೇ 30ರಷ್ಟು ತೆರಿಗೆ ವಿಧಿಸಲಾಗುತ್ತದೆಯೇ?\u003C\u002Fp\u003E\u003Cp\u003E* ಮಾರಾಟದ ಮೊತ್ತವನ್ನು ಯಾವುದೇ ತೆರಿಗೆ ಉಳಿತಾಯ ಸಾಧನಗಳಲ್ಲಿ ಹೂಡಿ ತೆರಿಗೆ ಉಳಿಸುವ ಅವಕಾಶಗಳಿವೆಯೇ? ಈ ವ್ಯವಹಾರದಲ್ಲಿ ತೆರಿಗೆ ಕಡಿತ ಅನ್ವಯವಾಗುತ್ತದೆಯೇ? ತೆರಿಗೆ ಕಡಿತವನ್ನು ಯಾರು ಮಾಡಬೇಕು? ಮಾರಾಟಗಾರರೆ ಅಥವಾ ಕೊಳ್ಳುವವರೇ? ಕಡಿತ ಮಾಡಬೇಕಾದ ತೆರಿಗೆ ದರ ಎಷ್ಟು?\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನಿಮ್ಮ ಆಸ್ತಿಯನ್ನು ಈಗ ಮಾರಾಟ ಮಾಡುವ ಉದ್ದೇಶ ಹೊಂದಿರುವುದರಿಂದ 2024ರ ಬಜೆಟ್ ಘೋಷಣೆಗಳು ಅನ್ವಯವಾಗುತ್ತವೆ. ಇದರ ಉದ್ದೇಶಿತ ಹೊಸ ಪ್ರಸ್ತಾವದಂತೆ ನೀವು ಈಗಾಗಲೇ 2024ರ ಜುಲೈ 23ರ ಮೊದಲು ಆಸ್ತಿ ಖರೀದಿಸಿರುವುದರಿಂದ ನಿಮಗೆ ಎರಡು ಆಯ್ಕೆಗಳಲ್ಲಿ ಲಾಭದಾಯಕ ಆಯ್ಕೆಯನ್ನು ಪರಿಗಣಿಸುವ ಅವಕಾಶವಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಮೊದಲನೆಯದು ದೀರ್ಘಾವಧಿ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕುವಾಗ ಹಣದುಬ್ಬರ ಸೂಚ್ಯಂಕ ಆಧರಿಸಿ ಈ ಹಿಂದೆ ಹೇಗಿತ್ತೋ ಅದೇ ರೀತಿ ಆಸ್ತಿಯ ಮೌಲ್ಯವನ್ನು ಪರಿಗಣಿಸಿ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕಬಹುದಾಗಿದೆ. ಬಳಿಕ ಲಾಭದ ಮೇಲೆ ಶೇ 20ರಷ್ಟು ತೆರಿಗೆ ಪಾವತಿಸಬೇಕಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಎರಡನೆಯದು, ಹೊಸ ಬದಲಾವಣೆಯಂತೆ ಮಾರಾಟ ಮೌಲ್ಯ ಹಾಗೂ ಮೂಲ ಅಸಲು ಇವುಗಳ ನಡುವಿನ ಲಾಭದ ಮೇಲೆ ಶೇ 12.5ರ ದರದಲ್ಲಿ ತೆರಿಗೆ ಪಾವತಿಸಬೇಕಿದೆ.  \u003C\u002Fp\u003E\u003Cp\u003Eಒಂದು ವೇಳೆ ವಾಸವಿರುವ ಮನೆ ಮಾರಾಟ ಮಾಡಿ ಇನ್ನೊಂದು ಮನೆ ಖರೀದಿ ಮಾಡುವುದಿದ್ದರೆ ದೀರ್ಘಾವಧಿ ಬಂಡವಾಳ ಲಾಭದ ಮೇಲೆ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಇದೆ. ಈ ಸಂದರ್ಭದಲ್ಲಿ ನಿಮ್ಮ ಲಾಭಾಂಶ ಏನಿದೆಯೋ ಆ ಮೊತ್ತಕ್ಕೆ ಕಡಿಮೆ ಆಗದ ರೀತಿ ಹೂಡಿಕೆ ಮಾಡಿದ್ದರೆ ಸೆಕ್ಷನ್ 54ರ ಅಡಿ ಸಂಪೂರ್ಣ ವಿನಾಯಿತಿ ಸಿಗುತ್ತದೆ. ಇಲ್ಲವಾದರೆ ಲಾಭ ಹಾಗೂ ಹೂಡಿಕೆಯಲ್ಲಿ ಏನು ವ್ಯತ್ಯಾಸವಿದೆಯೋ ಆ ಮೊತ್ತವು ತೆರಿಗೆಗೊಳಪಡುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಮಾರಾಟ ಮಾಡುವ ಆಸ್ತಿ ಕೇವಲ ನಿವೇಶನವಾಗಿದ್ದು, ನಿಮ್ಮ ಮುಂದಿನ ಹೂಡಿಕೆ ವಾಸಯೋಗ್ಯ ಮನೆ ನಿರ್ಮಾಣ ಅಥವಾ ಖರೀದಿಗೆ ಉಪಯೋಗಿಸುವುದಿದ್ದರೆ ಸೆಕ್ಷನ್ 54ಎಫ್ ಅಡಿ ಮಾರಾಟ ಮೌಲ್ಯ ಹಾಗೂ ಹೂಡಿಕೆಯ ಮೌಲ್ಯದ ಅನುಪಾತದಲ್ಲಿ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಸಿಗುತ್ತದೆ. ಅಲ್ಲದೆ, ಸೆಕ್ಷನ್ 54ಈಸಿ ಅಡಿ ಕ್ಯಾಪಿಟಲ್ ಗೇನ್ಸ್ (ಬಂಡವಾಳ ಗಳಿಕೆ) ಬಾಂಡ್‌ಗಳಲ್ಲೂ ನಿಗದಿತ ಸಂದರ್ಭಗಳಲ್ಲಿ ಹೂಡಿಕೆಗೂ ಅವಕಾಶವಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಸೆಕ್ಷನ್ 194ಐಎ ಪ್ರಕಾರ ಭೂಮಿ ಖರೀದಿ ಮಾಡುವ ವ್ಯಕ್ತಿ, ಮಾರಾಟಗಾರರ ಪ್ಯಾನ್ ಸಂಖ್ಯೆಯಡಿ ಶೇ 1ರ ದರದಲ್ಲಿ ತೆರಿಗೆ ಕಡಿತ ಮಾಡಿ ಉಳಿದ ಮೊತ್ತವನ್ನು ಪಾವತಿಸಬೇಕಾಗುತ್ತದೆ. ಆದರೆ, ಈ ನಿಯಮ ₹50 ಲಕ್ಷಕ್ಕೂ ಅಧಿಕ ಮೌಲ್ಯದ ಯಾವುದೇ ಸ್ಥಿರಾಸ್ತಿ ವ್ಯವಹಾರಕ್ಕೆ ಮಾತ್ರ ಅನ್ವಯಿಸುತ್ತದೆ.  \u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನು ವೇತನಕ್ಕೆ ಗರಿಷ್ಠ ತೆರಿಗೆ ದರ ಅನ್ವಯಿಸಿದರೂ ಆಸ್ತಿ ಮಾರಾಟಕ್ಕೆ ಸಂಬಂಧಿಸಿದ ಲಾಭಕ್ಕೆ ತೆರಿಗೆ ಕಾಯ್ದೆಯಡಿ ಪ್ರತ್ಯೇಕ ದರ ಅನ್ವಯಿಸಲಿದೆ. ಇದರಿಂದ ಆ ದರಗಳನ್ನೇ ಪರಿಗಣಿಸಲಾಗುತ್ತದೆಯೆ ಹೊರತು ಒಂದೇ ಆದಾಯಕ್ಕೆ ಎರಡು ಬಾರಿ ತೆರಿಗೆ ಇರುವುದಿಲ್ಲ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003E2004ರಲ್ಲಿ ನನ್ನ ಪತ್ನಿಯು ₹3 ಲಕ್ಷಕ್ಕೆ ಆಸ್ತಿಯೊಂದನ್ನು ಖರೀದಿಸಿದ್ದರು. ಪ್ರಸ್ತುತ ಅದರ ಮಾರುಕಟ್ಟೆ ಮೌಲ್ಯವು ಸುಮಾರು ₹1 ಕೋಟಿ ಆಗಿದೆ. ಅವರು ಸರ್ಕಾರಿ ಸ್ವಾಮ್ಯದ ಉದ್ದಿಮೆಯೊಂದರಲ್ಲಿ  ಕೆಲಸ ಮಾಡುತ್ತಿದ್ದಾರೆ. ಶೇ 30ರ ಆದಾಯ ತೆರಿಗೆ ಶ್ರೇಣಿಯಲ್ಲಿ ಬರುತ್ತಾರೆ. \u003Cstrong\u003Eಈ ಆಸ್ತಿ ಮಾರಾಟ ಮಾಡುವ ಕುರಿತು ನನಗೆ ಕೆಲವು ಪ್ರಶ್ನೆಗಳಿವೆ;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E* ಇತ್ತೀಚಿನ ಆದಾಯ ತೆರಿಗೆ ಮಾರ್ಗಸೂಚಿ ಪ್ರಕಾರ ಲಾಭದ ಮೇಲೆ ಶೇ 12.50 ದರದಲ್ಲಿ (ಸೂಚ್ಯಂಕ ರಹಿತ ಲಾಭ) ಅಥವಾ ಶೇ 20ರ ದರದಲ್ಲಿ (ಸೂಚ್ಯಂಕ ಸಹಿತ ಲಾಭ) ತೆರಿಗೆ ವಿಧಿಸಲಾಗುವುದೇ? ಆ ಮಾರಾಟದ ಮೊತ್ತವನ್ನು ಅವರ ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್‌ಗಳಲ್ಲಿ ತೋರಿಸಬೇಕೇ ಮತ್ತು ಇದಕ್ಕೆ ಹೆಚ್ಚುವರಿ ಶೇ 30ರಷ್ಟು ತೆರಿಗೆ ವಿಧಿಸಲಾಗುತ್ತದೆಯೇ?\u003C\u002Fp\u003E\u003Cp\u003E* ಮಾರಾಟದ ಮೊತ್ತವನ್ನು ಯಾವುದೇ ತೆರಿಗೆ ಉಳಿತಾಯ ಸಾಧನಗಳಲ್ಲಿ ಹೂಡಿ ತೆರಿಗೆ ಉಳಿಸುವ ಅವಕಾಶಗಳಿವೆಯೇ? ಈ ವ್ಯವಹಾರದಲ್ಲಿ ತೆರಿಗೆ ಕಡಿತ ಅನ್ವಯವಾಗುತ್ತದೆಯೇ? ತೆರಿಗೆ ಕಡಿತವನ್ನು ಯಾರು ಮಾಡಬೇಕು? ಮಾರಾಟಗಾರರೆ ಅಥವಾ ಕೊಳ್ಳುವವರೇ? ಕಡಿತ ಮಾಡಬೇಕಾದ ತೆರಿಗೆ ದರ ಎಷ್ಟು?\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನಿಮ್ಮ ಆಸ್ತಿಯನ್ನು ಈಗ ಮಾರಾಟ ಮಾಡುವ ಉದ್ದೇಶ ಹೊಂದಿರುವುದರಿಂದ 2024ರ ಬಜೆಟ್ ಘೋಷಣೆಗಳು ಅನ್ವಯವಾಗುತ್ತವೆ. ಇದರ ಉದ್ದೇಶಿತ ಹೊಸ ಪ್ರಸ್ತಾವದಂತೆ ನೀವು ಈಗಾಗಲೇ 2024ರ ಜುಲೈ 23ರ ಮೊದಲು ಆಸ್ತಿ ಖರೀದಿಸಿರುವುದರಿಂದ ನಿಮಗೆ ಎರಡು ಆಯ್ಕೆಗಳಲ್ಲಿ ಲಾಭದಾಯಕ ಆಯ್ಕೆಯನ್ನು ಪರಿಗಣಿಸುವ ಅವಕಾಶವಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಮೊದಲನೆಯದು ದೀರ್ಘಾವಧಿ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕುವಾಗ ಹಣದುಬ್ಬರ ಸೂಚ್ಯಂಕ ಆಧರಿಸಿ ಈ ಹಿಂದೆ ಹೇಗಿತ್ತೋ ಅದೇ ರೀತಿ ಆಸ್ತಿಯ ಮೌಲ್ಯವನ್ನು ಪರಿಗಣಿಸಿ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕಬಹುದಾಗಿದೆ. ಬಳಿಕ ಲಾಭದ ಮೇಲೆ ಶೇ 20ರಷ್ಟು ತೆರಿಗೆ ಪಾವತಿಸಬೇಕಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಎರಡನೆಯದು, ಹೊಸ ಬದಲಾವಣೆಯಂತೆ ಮಾರಾಟ ಮೌಲ್ಯ ಹಾಗೂ ಮೂಲ ಅಸಲು ಇವುಗಳ ನಡುವಿನ ಲಾಭದ ಮೇಲೆ ಶೇ 12.5ರ ದರದಲ್ಲಿ ತೆರಿಗೆ ಪಾವತಿಸಬೇಕಿದೆ.  \u003C\u002Fp\u003E\u003Cp\u003Eಒಂದು ವೇಳೆ ವಾಸವಿರುವ ಮನೆ ಮಾರಾಟ ಮಾಡಿ ಇನ್ನೊಂದು ಮನೆ ಖರೀದಿ ಮಾಡುವುದಿದ್ದರೆ ದೀರ್ಘಾವಧಿ ಬಂಡವಾಳ ಲಾಭದ ಮೇಲೆ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಇದೆ. ಈ ಸಂದರ್ಭದಲ್ಲಿ ನಿಮ್ಮ ಲಾಭಾಂಶ ಏನಿದೆಯೋ ಆ ಮೊತ್ತಕ್ಕೆ ಕಡಿಮೆ ಆಗದ ರೀತಿ ಹೂಡಿಕೆ ಮಾಡಿದ್ದರೆ ಸೆಕ್ಷನ್ 54ರ ಅಡಿ ಸಂಪೂರ್ಣ ವಿನಾಯಿತಿ ಸಿಗುತ್ತದೆ. ಇಲ್ಲವಾದರೆ ಲಾಭ ಹಾಗೂ ಹೂಡಿಕೆಯಲ್ಲಿ ಏನು ವ್ಯತ್ಯಾಸವಿದೆಯೋ ಆ ಮೊತ್ತವು ತೆರಿಗೆಗೊಳಪಡುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಮಾರಾಟ ಮಾಡುವ ಆಸ್ತಿ ಕೇವಲ ನಿವೇಶನವಾಗಿದ್ದು, ನಿಮ್ಮ ಮುಂದಿನ ಹೂಡಿಕೆ ವಾಸಯೋಗ್ಯ ಮನೆ ನಿರ್ಮಾಣ ಅಥವಾ ಖರೀದಿಗೆ ಉಪಯೋಗಿಸುವುದಿದ್ದರೆ ಸೆಕ್ಷನ್ 54ಎಫ್ ಅಡಿ ಮಾರಾಟ ಮೌಲ್ಯ ಹಾಗೂ ಹೂಡಿಕೆಯ ಮೌಲ್ಯದ ಅನುಪಾತದಲ್ಲಿ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಸಿಗುತ್ತದೆ. ಅಲ್ಲದೆ, ಸೆಕ್ಷನ್ 54ಈಸಿ ಅಡಿ ಕ್ಯಾಪಿಟಲ್ ಗೇನ್ಸ್ (ಬಂಡವಾಳ ಗಳಿಕೆ) ಬಾಂಡ್‌ಗಳಲ್ಲೂ ನಿಗದಿತ ಸಂದರ್ಭಗಳಲ್ಲಿ ಹೂಡಿಕೆಗೂ ಅವಕಾಶವಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಸೆಕ್ಷನ್ 194ಐಎ ಪ್ರಕಾರ ಭೂಮಿ ಖರೀದಿ ಮಾಡುವ ವ್ಯಕ್ತಿ, ಮಾರಾಟಗಾರರ ಪ್ಯಾನ್ ಸಂಖ್ಯೆಯಡಿ ಶೇ 1ರ ದರದಲ್ಲಿ ತೆರಿಗೆ ಕಡಿತ ಮಾಡಿ ಉಳಿದ ಮೊತ್ತವನ್ನು ಪಾವತಿಸಬೇಕಾಗುತ್ತದೆ. ಆದರೆ, ಈ ನಿಯಮ ₹50 ಲಕ್ಷಕ್ಕೂ ಅಧಿಕ ಮೌಲ್ಯದ ಯಾವುದೇ ಸ್ಥಿರಾಸ್ತಿ ವ್ಯವಹಾರಕ್ಕೆ ಮಾತ್ರ ಅನ್ವಯಿಸುತ್ತದೆ.  \u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನು ವೇತನಕ್ಕೆ ಗರಿಷ್ಠ ತೆರಿಗೆ ದರ ಅನ್ವಯಿಸಿದರೂ ಆಸ್ತಿ ಮಾರಾಟಕ್ಕೆ ಸಂಬಂಧಿಸಿದ ಲಾಭಕ್ಕೆ ತೆರಿಗೆ ಕಾಯ್ದೆಯಡಿ ಪ್ರತ್ಯೇಕ ದರ ಅನ್ವಯಿಸಲಿದೆ. ಇದರಿಂದ ಆ ದರಗಳನ್ನೇ ಪರಿಗಣಿಸಲಾಗುತ್ತದೆಯೆ ಹೊರತು ಒಂದೇ ಆದಾಯಕ್ಕೆ ಎರಡು ಬಾರಿ ತೆರಿಗೆ ಇರುವುದಿಲ್ಲ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002Fc7acf93d-f3a2-428d-96e6-0bac38ffa79f\u002Felement\u002F6b9c9378-0842-47d3-91d9-ec2f01d82603","type":"text","family-id":"986110dd-2e70-4668-b7c3-b9d4c1c7ab36","title":"","id":"6b9c9378-0842-47d3-91d9-ec2f01d82603","metadata":{},"subtype":null,"text":"\u003Cp\u003E-ಪರಮೇಶ್ವರಪ್ಪ, ಹುಬ್ಬಳ್ಳಿ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fc7acf93d-f3a2-428d-96e6-0bac38ffa79f\u002Felement\u002F3511178c-a09d-4d78-af7b-32198968e8a3","type":"text","family-id":"dcb50be1-1c07-4370-b73a-d227a24bbb9f","title":"","id":"3511178c-a09d-4d78-af7b-32198968e8a3","metadata":{"question":"\u003Cp\u003Eನಾನು ಹಿರಿಯ ನಾಗರಿಕ (ವಯಸ್ಸು 65). 1984ರಲ್ಲಿ ನಮ್ಮ ತಂದೆಯವರು ₹25,000 ಕೊಟ್ಟು ತೆಗೆದುಕೊಂಡ ಜಾಗದಲ್ಲಿ 1987ರಲ್ಲಿ ಸುಮಾರು ₹2 ಲಕ್ಷ ವೆಚ್ಚದಲ್ಲಿ ಮನೆ ಕಟ್ಟಿಸಿದ್ದೇವೆ. 2020ರಲ್ಲಿ ಸುಮಾರು ₹5 ಲಕ್ಷ ವೆಚ್ಚದಲ್ಲಿ ಮೇಲ್ಮಹಡಿ ಕಟ್ಟಿಸಿದ್ದೇವೆ. ಈಗ ಮಾರಾಟ ಮಾಡಿದರೆ ಸುಮಾರು ₹1.25 ಕೋಟಿ ಲಭಿಸಲಿದೆ. \u003Cbr\u003E \u003C\u002Fp\u003E\u003Cp\u003Eನಾನು ಅಜಮಾಸು ಎ‌ಷ್ಟು ದೀರ್ಘಕಾಲಿನ ಲಾಭದ ತೆರಿಗೆ ಕಟ್ಟಬೇಕಾಗುತ್ತದೆ. ತೆರಿಗೆ ಕಡಿಮೆ ಮಾಡಲು ಯಾವ ರೀತಿ ಪರಿಹಾರಗಳಿವೆ. ₹50 ಲಕ್ಷದವರೆಗೆ ಠೇವಣಿ ಇಡುವ ಯೋಜನೆ ಇದೆಯೇ? ಒಂದು ವೇಳೆ ನಗರ ಮಿತಿಯಿಂದ 8 ಕಿ.ಮೀ ಒಳಗಡೆ ಕೃಷಿ ಜಮೀನು ಖರೀದಿಸಿ ಫಾರಂ ಹೌಸ್ ಕಟ್ಟಿಸಿದರೆ ತೆರಿಗೆ ಉಳಿಸಬಹುದೇ?  \u003C\u002Fp\u003E","answer":"\u003Cp\u003Eಈ ಮೇಲಿನ ಪ್ರಶ್ನೆಯಲ್ಲಿ ಈಗಾಗಲೇ ಉಲ್ಲೇಖಿಸಿರುವಂತೆ ನಿಮ್ಮ ತೆರಿಗೆಯನ್ನು ಲೆಕ್ಕ ಹಾಕಿಕೊಳ್ಳಬೇಕಾಗುತ್ತದೆ. ಹೆಚ್ಚುವರಿಯಾಗಿ ನೀವು ಗಮನಿಸಬೇಕಾದ ಅಂಶವೆಂದರೆ ನಿಮ್ಮ ಆಸ್ತಿಯ ಮೌಲ್ಯವು 2000ರ ಏಪ್ರಿಲ್‌ 1ಕ್ಕೆ ಎಷ್ಟಿತ್ತು ಎಂಬುದನ್ನು ಗೊತ್ತು ಮಾಡಿಕೊಳ್ಳಬೇಕು. ಅದರ ಮೇಲೆ ಸೂಚ್ಯಂಕ ಆಧರಿಸಿ ಲಾಭ ಲೆಕ್ಕ ಹಾಕಬೇಕು. ಅಲ್ಲದೆ, ಹೆಚ್ಚುವರಿ ಕಟ್ಟಡ ನಿರ್ಮಾಣಕ್ಕೂ ಇಂತಹ ಸೂಚ್ಯಂಕ ಆಧಾರಿತ ಲಾಭ ಲೆಕ್ಕ ಹಾಕಬೇಕು. ನಿಮಗೆ ಈ ಹಿಂದಿನಿಂದ ಚಾಲ್ತಿಯಲ್ಲಿರುವ ಸೂಚ್ಯಂಕ ಆಧಾರಿತ ತೆರಿಗೆ ಲೆಕ್ಕದ ಅನ್ವಯ ತೆರಿಗೆ ಹೆಚ್ಚುವರಿ ಬರುವುದಿದ್ದರೆ ಶೇ 12.50ರ ದರದಲ್ಲಿ ಬರುವ ಲಾಭಕ್ಕೆ ತೆರಿಗೆ ಕಟ್ಟಬಹುದು.  \u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಮನೆ ಮಾರಾಟ ಮಾಡುತ್ತಿರುವ ಕಾರಣ ಹೊಸ ಮನೆಯ ನಿರ್ಮಾಣ, ಖರೀದಿ, ಬಾಂಡ್‌ಗಳ ಖರೀದಿ ಇತ್ಯಾದಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದಕ್ಕೆ ಅವಕಾಶ ಇದೆ. ಕೃಷಿ ಭೂಮಿ ಮೇಲಿನ ಹೂಡಿಕೆಗೆ ತೆರಿಗೆ ಲಾಭ ಬರಲು ಕೃಷಿ ಭೂಮಿಯನ್ನಷ್ಟೇ ಮಾರಾಟ ಮಾಡಿ ಮರು ಹೂಡಿಕೆ ಮಾಡಿರಬೇಕು. ನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ಮಾರಾಟ ಮಾಡುವ ಆಸ್ತಿ ಮನೆಯಾಗಿರುವುದರಿಂದ ಈ ಪ್ರಯೋಜನ ಸಿಗುವುದಿಲ್ಲ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಹಿರಿಯ ನಾಗರಿಕ (ವಯಸ್ಸು 65). 1984ರಲ್ಲಿ ನಮ್ಮ ತಂದೆಯವರು ₹25,000 ಕೊಟ್ಟು ತೆಗೆದುಕೊಂಡ ಜಾಗದಲ್ಲಿ 1987ರಲ್ಲಿ ಸುಮಾರು ₹2 ಲಕ್ಷ ವೆಚ್ಚದಲ್ಲಿ ಮನೆ ಕಟ್ಟಿಸಿದ್ದೇವೆ. 2020ರಲ್ಲಿ ಸುಮಾರು ₹5 ಲಕ್ಷ ವೆಚ್ಚದಲ್ಲಿ ಮೇಲ್ಮಹಡಿ ಕಟ್ಟಿಸಿದ್ದೇವೆ. ಈಗ ಮಾರಾಟ ಮಾಡಿದರೆ ಸುಮಾರು ₹1.25 ಕೋಟಿ ಲಭಿಸಲಿದೆ. \u003Cbr\u003E \u003C\u002Fp\u003E\u003Cp\u003Eನಾನು ಅಜಮಾಸು ಎ‌ಷ್ಟು ದೀರ್ಘಕಾಲಿನ ಲಾಭದ ತೆರಿಗೆ ಕಟ್ಟಬೇಕಾಗುತ್ತದೆ. ತೆರಿಗೆ ಕಡಿಮೆ ಮಾಡಲು ಯಾವ ರೀತಿ ಪರಿಹಾರಗಳಿವೆ. ₹50 ಲಕ್ಷದವರೆಗೆ ಠೇವಣಿ ಇಡುವ ಯೋಜನೆ ಇದೆಯೇ? ಒಂದು ವೇಳೆ ನಗರ ಮಿತಿಯಿಂದ 8 ಕಿ.ಮೀ ಒಳಗಡೆ ಕೃಷಿ ಜಮೀನು ಖರೀದಿಸಿ ಫಾರಂ ಹೌಸ್ ಕಟ್ಟಿಸಿದರೆ ತೆರಿಗೆ ಉಳಿಸಬಹುದೇ?  \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eಈ ಮೇಲಿನ ಪ್ರಶ್ನೆಯಲ್ಲಿ ಈಗಾಗಲೇ ಉಲ್ಲೇಖಿಸಿರುವಂತೆ ನಿಮ್ಮ ತೆರಿಗೆಯನ್ನು ಲೆಕ್ಕ ಹಾಕಿಕೊಳ್ಳಬೇಕಾಗುತ್ತದೆ. ಹೆಚ್ಚುವರಿಯಾಗಿ ನೀವು ಗಮನಿಸಬೇಕಾದ ಅಂಶವೆಂದರೆ ನಿಮ್ಮ ಆಸ್ತಿಯ ಮೌಲ್ಯವು 2000ರ ಏಪ್ರಿಲ್‌ 1ಕ್ಕೆ ಎಷ್ಟಿತ್ತು ಎಂಬುದನ್ನು ಗೊತ್ತು ಮಾಡಿಕೊಳ್ಳಬೇಕು. ಅದರ ಮೇಲೆ ಸೂಚ್ಯಂಕ ಆಧರಿಸಿ ಲಾಭ ಲೆಕ್ಕ ಹಾಕಬೇಕು. ಅಲ್ಲದೆ, ಹೆಚ್ಚುವರಿ ಕಟ್ಟಡ ನಿರ್ಮಾಣಕ್ಕೂ ಇಂತಹ ಸೂಚ್ಯಂಕ ಆಧಾರಿತ ಲಾಭ ಲೆಕ್ಕ ಹಾಕಬೇಕು. ನಿಮಗೆ ಈ ಹಿಂದಿನಿಂದ ಚಾಲ್ತಿಯಲ್ಲಿರುವ ಸೂಚ್ಯಂಕ ಆಧಾರಿತ ತೆರಿಗೆ ಲೆಕ್ಕದ ಅನ್ವಯ ತೆರಿಗೆ ಹೆಚ್ಚುವರಿ ಬರುವುದಿದ್ದರೆ ಶೇ 12.50ರ ದರದಲ್ಲಿ ಬರುವ ಲಾಭಕ್ಕೆ ತೆರಿಗೆ ಕಟ್ಟಬಹುದು.  \u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಮನೆ ಮಾರಾಟ ಮಾಡುತ್ತಿರುವ ಕಾರಣ ಹೊಸ ಮನೆಯ ನಿರ್ಮಾಣ, ಖರೀದಿ, ಬಾಂಡ್‌ಗಳ ಖರೀದಿ ಇತ್ಯಾದಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದಕ್ಕೆ ಅವಕಾಶ ಇದೆ. ಕೃಷಿ ಭೂಮಿ ಮೇಲಿನ ಹೂಡಿಕೆಗೆ ತೆರಿಗೆ ಲಾಭ ಬರಲು ಕೃಷಿ ಭೂಮಿಯನ್ನಷ್ಟೇ ಮಾರಾಟ ಮಾಡಿ ಮರು ಹೂಡಿಕೆ ಮಾಡಿರಬೇಕು. ನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ಮಾರಾಟ ಮಾಡುವ ಆಸ್ತಿ ಮನೆಯಾಗಿರುವುದರಿಂದ ಈ ಪ್ರಯೋಜನ ಸಿಗುವುದಿಲ್ಲ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002Fc7acf93d-f3a2-428d-96e6-0bac38ffa79f\u002Felement\u002Fb9251173-a25c-4d2a-a6fe-7a40ed72d53b","type":"text","family-id":"27ba1a5b-90b9-4743-8007-f6b2cffb4797","title":"","id":"b9251173-a25c-4d2a-a6fe-7a40ed72d53b","metadata":{},"subtype":null,"text":"\u003Cp\u003E(ವಿ.ಸೂ: ಹೊಸ ನಿಯಮಗಳು ಅಧಿಕೃತವಾಗಿ ಗೆಜೆಟ್ ರೂಪದಲ್ಲಿ ಬರಲು ಇನ್ನೂ ಕೆಲವು ದಿನ ಕಾಯಬೇಕಿದೆ. ಅದರಲ್ಲಿ ಯಾವುದೇ ಬದಲಾವಣೆಗಳಿದ್ದರೆ ಈ ವಿಚಾರಗಳನ್ನು ಮರು ಪರಿಶೀಲಿಸಬೇಕಾಗಬಹುದು)\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1723604247996,"content-version-id":"1f662237-a742-4469-9f21-d7a46a4a02b7","card-added-at":1723603854468,"status":"draft","id":"3adc934f-a778-42c6-b7ee-7b39aff192e5","content-id":"3adc934f-a778-42c6-b7ee-7b39aff192e5","version":12,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ","message":null,"image":{"key":"prajavani\u002F2024-08-14\u002F7ddsjrxp\u002Fdeccanherald_2023-12_5f5b6a91-817e-40cd-8734-e138a06397c3_markets_istock_.avif","url":null,"attribution":null,"alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಸಾಂದರ್ಭಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"width":320,"height":180,"mime-type":"image\u002Favif","file-size":10109,"file-name":"deccanherald_2023-12_5f5b6a91-817e-40cd-8734-e138a06397c3_markets_istock_.avif","focus-point":[147,72]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Ffinancial-assistance-advice-by-experts-question-and-answers-2926314","story-version-id":"0827e354-3b3a-4b7a-a326-32fed67ef0d3","content-type":"story","content-updated-at":1723604250659,"author-id":1749710,"owner-id":1754432,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1723604127588,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಸಾಂದರ್ಭಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":12,"story-template":"text","sequence-no":null,"created-at":1723604247987,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ 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(ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1722952889058,"is-embargoed":false,"owner-name":"syndication","custom-slug":"Solution for financial and tax related problem an expert 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ಕೆ.ಎಸ್., ಊರು ತಿಳಿಸಿಲ್ಲ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F6c2f6164-1f86-4ad3-9254-4d0df766355b\u002Felement\u002Fe9a9a1e0-07a1-46ee-85db-2c649681f2f7","type":"text","family-id":"9ebc599f-fbcd-4c0e-9957-411661332ebe","title":"","id":"e9a9a1e0-07a1-46ee-85db-2c649681f2f7","metadata":{"question":"\u003Cp\u003Eನಾನು ಹಿರಿಯ ನಾಗರಿಕ (ವಯಸ್ಸು 87). ನಮಗೆ ಯಾವ ಬಗೆಯ ತೆರಿಗೆ ರಿಯಾಯಿತಿಗಳು ಲಭ್ಯ ಎನ್ನುವ ಮಾಹಿತಿ ನೀಡಿ. ನನ್ನಲ್ಲಿ ಬ್ಯಾಂಕ್ ಎಫ್‌.ಡಿ ಹಾಗೂ ಉಳಿತಾಯ ಖಾತೆ ಬಡ್ಡಿ ಆದಾಯ ಬರುತ್ತಿದೆ. ಇದಲ್ಲದೆ, ವೈದ್ಯಕೀಯ ವೆಚ್ಚ ಕೂಡ ಇದೆ. ಈ ರಿಯಾಯಿತಿಗಳಲ್ಲದೆ ಇನ್ನೂ ಇತರೆ ವಿಶೇಷ ರಿಯಾಯಿತಿ ಸೌಲಭ್ಯವು ನಮಗೆ ಸಿಗುವುದಿದ್ದರೆ ತಿಳಿಸಿ.\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನೀವು ಅತಿ ಹಿರಿಯ ನಾಗರಿಕರಾಗಿದ್ದೀರಿ. ಇದರಿಂದ ನಿಮ್ಮ ಆಯ್ಕೆಯ ತೆರಿಗೆ ಪದ್ಧತಿಯಂತೆ ನಿಮಗೆ ಸಿಗುವ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಕಳೆದು ಉಳಿದ ಮೊತ್ತವು ಇನ್ನೂ ತೆರಿಗೆಗೆ ಒಳಪಡುವುದಿದ್ದರೆ, ತೆರಿಗೆ ಪಾವತಿಸಿ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಬೇಕಾಗುತ್ತದೆ. ನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ನೀವು ಹಳೆಯ ತೆರಿಗೆ ಪದ್ಧತಿಯನ್ನು ಆಯ್ಕೆ ಮಾಡುವುದೇ ಲಾಭದಾಯಕವೆಂದು ಕಂಡುಬಂದರೆ ಮಾತ್ರ ಈ ಕೆಳಗಿನ ಮಾಹಿತಿಯಂತೆ ವಿನಾಯಿತಿ ಪಡೆಯಬಹುದು.  ಬಡ್ಡಿ ಆದಾಯಕ್ಕೆ ಸೆಕ್ಷನ್ 80ಟಿಟಿಬಿ ಅಡಿ ₹50,000, ಸೆಕ್ಷನ್ 80ಡಿ ಅಡಿ ಇನ್ಶೂರೆನ್ಸ್ ಇಲ್ಲದ ಸಂದರ್ಭದಲ್ಲಿ ಮೆಡಿಕಲ್ ವೆಚ್ಚಕ್ಕಾಗಿ ₹50,000, ವಿಶೇಷ ಕಾಯಿಲೆ ಇತ್ಯಾದಿ ಇದ್ದ ಸಂದರ್ಭದಲ್ಲಿ ಸೆಕ್ಷನ್ 80ಡಿಡಿಬಿ ಅಡಿ ನೈಜ ವೆಚ್ಚ ಅಥವಾ ₹1 ಲಕ್ಷದ ತನಕ ವಿನಾಯಿತಿ ಲಭ್ಯವಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಸೆಕ್ಷನ್ 194ಪಿ ಅನ್ವಯ ಕೇವಲ ಪಿಂಚಣಿ ಆದಾಯ ಅಥವಾ ಬಡ್ಡಿ ಆದಾಯ ಇದ್ದಾಗ ನೀವು ಆಯ್ಕೆ ಮಾಡಿದ ಯಾವುದೇ ಪದ್ಧತಿಯಡಿ ಬ್ಯಾಂಕಿನವರು ನಿಮಗೆ ಅನ್ವಯವಾಗುವ ಸಮರ್ಪಕ ತೆರಿಗೆಯನ್ನು ಕಡಿತಗೊಳಿಸಿ ಈ ಬಗ್ಗೆ ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಗೆ ಮಾಹಿತಿ ಸಲ್ಲಿಸಿದ್ದರೆ ನೀವು ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವ ಅಗತ್ಯವೂ ಇರುವುದಿಲ್ಲ. ಒಂದು ವೇಳೆ ನಿಮಗೆ ₹50,000ಕ್ಕಿಂತ ಅಧಿಕ ಬಡ್ಡಿ ಬರುತ್ತಿದ್ದು, ಒಟ್ಟಾರೆ ತೆರಿಗೆ ಅನ್ವಯಿಸುವುದಿಲ್ಲ ಎಂದಾದರೆ ಫಾರಂ 15 ಎಚ್‌ ಅನ್ನು ಬ್ಯಾಂಕಿಗೆ ಸಲ್ಲಿಸಿ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಹಿರಿಯ ನಾಗರಿಕ (ವಯಸ್ಸು 87). ನಮಗೆ ಯಾವ ಬಗೆಯ ತೆರಿಗೆ ರಿಯಾಯಿತಿಗಳು ಲಭ್ಯ ಎನ್ನುವ ಮಾಹಿತಿ ನೀಡಿ. ನನ್ನಲ್ಲಿ ಬ್ಯಾಂಕ್ ಎಫ್‌.ಡಿ ಹಾಗೂ ಉಳಿತಾಯ ಖಾತೆ ಬಡ್ಡಿ ಆದಾಯ ಬರುತ್ತಿದೆ. ಇದಲ್ಲದೆ, ವೈದ್ಯಕೀಯ ವೆಚ್ಚ ಕೂಡ ಇದೆ. ಈ ರಿಯಾಯಿತಿಗಳಲ್ಲದೆ ಇನ್ನೂ ಇತರೆ ವಿಶೇಷ ರಿಯಾಯಿತಿ ಸೌಲಭ್ಯವು ನಮಗೆ ಸಿಗುವುದಿದ್ದರೆ ತಿಳಿಸಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನೀವು ಅತಿ ಹಿರಿಯ ನಾಗರಿಕರಾಗಿದ್ದೀರಿ. ಇದರಿಂದ ನಿಮ್ಮ ಆಯ್ಕೆಯ ತೆರಿಗೆ ಪದ್ಧತಿಯಂತೆ ನಿಮಗೆ ಸಿಗುವ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಕಳೆದು ಉಳಿದ ಮೊತ್ತವು ಇನ್ನೂ ತೆರಿಗೆಗೆ ಒಳಪಡುವುದಿದ್ದರೆ, ತೆರಿಗೆ ಪಾವತಿಸಿ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಬೇಕಾಗುತ್ತದೆ. ನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ನೀವು ಹಳೆಯ ತೆರಿಗೆ ಪದ್ಧತಿಯನ್ನು ಆಯ್ಕೆ ಮಾಡುವುದೇ ಲಾಭದಾಯಕವೆಂದು ಕಂಡುಬಂದರೆ ಮಾತ್ರ ಈ ಕೆಳಗಿನ ಮಾಹಿತಿಯಂತೆ ವಿನಾಯಿತಿ ಪಡೆಯಬಹುದು.  ಬಡ್ಡಿ ಆದಾಯಕ್ಕೆ ಸೆಕ್ಷನ್ 80ಟಿಟಿಬಿ ಅಡಿ ₹50,000, ಸೆಕ್ಷನ್ 80ಡಿ ಅಡಿ ಇನ್ಶೂರೆನ್ಸ್ ಇಲ್ಲದ ಸಂದರ್ಭದಲ್ಲಿ ಮೆಡಿಕಲ್ ವೆಚ್ಚಕ್ಕಾಗಿ ₹50,000, ವಿಶೇಷ ಕಾಯಿಲೆ ಇತ್ಯಾದಿ ಇದ್ದ ಸಂದರ್ಭದಲ್ಲಿ ಸೆಕ್ಷನ್ 80ಡಿಡಿಬಿ ಅಡಿ ನೈಜ ವೆಚ್ಚ ಅಥವಾ ₹1 ಲಕ್ಷದ ತನಕ ವಿನಾಯಿತಿ ಲಭ್ಯವಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಸೆಕ್ಷನ್ 194ಪಿ ಅನ್ವಯ ಕೇವಲ ಪಿಂಚಣಿ ಆದಾಯ ಅಥವಾ ಬಡ್ಡಿ ಆದಾಯ ಇದ್ದಾಗ ನೀವು ಆಯ್ಕೆ ಮಾಡಿದ ಯಾವುದೇ ಪದ್ಧತಿಯಡಿ ಬ್ಯಾಂಕಿನವರು ನಿಮಗೆ ಅನ್ವಯವಾಗುವ ಸಮರ್ಪಕ ತೆರಿಗೆಯನ್ನು ಕಡಿತಗೊಳಿಸಿ ಈ ಬಗ್ಗೆ ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಗೆ ಮಾಹಿತಿ ಸಲ್ಲಿಸಿದ್ದರೆ ನೀವು ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವ ಅಗತ್ಯವೂ ಇರುವುದಿಲ್ಲ. ಒಂದು ವೇಳೆ ನಿಮಗೆ ₹50,000ಕ್ಕಿಂತ ಅಧಿಕ ಬಡ್ಡಿ ಬರುತ್ತಿದ್ದು, ಒಟ್ಟಾರೆ ತೆರಿಗೆ ಅನ್ವಯಿಸುವುದಿಲ್ಲ ಎಂದಾದರೆ ಫಾರಂ 15 ಎಚ್‌ ಅನ್ನು ಬ್ಯಾಂಕಿಗೆ ಸಲ್ಲಿಸಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F6c2f6164-1f86-4ad3-9254-4d0df766355b\u002Felement\u002F191e106d-a386-4663-b1f6-2017c364f96b","type":"text","family-id":"fe57476e-b2a0-474b-b6ed-8b05ec08639f","title":"","id":"191e106d-a386-4663-b1f6-2017c364f96b","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಮುರಗೋಡ್ ಎಂ.ಸಿ., ಊರು ತಿಳಿಸಿಲ್ಲ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F6c2f6164-1f86-4ad3-9254-4d0df766355b\u002Felement\u002Fb3235c1d-8162-43c1-a248-8653aeafb55f","type":"text","family-id":"48ab5f9f-6edc-4c67-87bc-6de6cc68853b","title":"","id":"b3235c1d-8162-43c1-a248-8653aeafb55f","metadata":{"question":"\u003Cp\u003Eನಾನು ಬ್ಯಾಂಕ್‌ನ ನಿವೃತ್ತ ಉದ್ಯೋಗಿ. 2015ರ ಏಪ್ರಿಲ್‌ 30ರಂದು ನಿವೃತ್ತಿ ಹೊಂದಿದೆ. 8 ತಿಂಗಳ ರಜಾ ನಿವೃತ್ತಿ ವೇತನವಾಗಿ ₹6.02 ಲಕ್ಷ ಮೊತ್ತ ಸಿಕ್ಕಿತ್ತು. ಆ ಸಂದರ್ಭದಲ್ಲಿ ₹3 ಲಕ್ಷ ಮಾತ್ರ ರಜಾ ವೇತನಕ್ಕೆ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಇತ್ತು. ತದನಂತರ ಈ ಮೊತ್ತವನ್ನು ₹25 ಲಕ್ಷಕ್ಕೆ ಹೆಚ್ಚಿಸಲಾಯಿತು. ಈ ಬಗ್ಗೆ ಗೆಜೆಟ್ ನೋಟಿಫಿಕೇಷನ್ (ದಿನಾಂಕ 24.5.2023ರಂದು) ಹೊರಡಿಸಲಾಯಿತು.\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eಇದರಲ್ಲಿ ಇರುವಂತೆ ಪೂರ್ವಾನ್ವಯವಾಗುವ ರೀತಿ ವಿನಾಯಿತಿ ನೀಡಲಾಗಿದೆ. ಈ ಬಗ್ಗೆ ನಮ್ಮ ಬ್ಯಾಂಕ್‌ನ ಪೆನ್ಷನರ್ ಅಸೋಸಿಯೇಷನ್ ಕೂಡ ಈ ವಿನಾಯಿತಿ ಪೂರ್ವಾನ್ವಯವಾಗುವ ಕಾರಣಕ್ಕೆ ಹಿಂದಿನ ವರ್ಷಗಳಿಗೂ ವಿನಾಯಿತಿ ಪಡೆಯಬಹುದು ಎಂದು ಮಾಹಿತಿ ನೀಡುವ ತಿಳಿವಳಿಕೆ ಪತ್ರವನ್ನು ಸದಸ್ಯರ ಅವಗಾಹನೆಗೆ ತಂದಿರುತ್ತಾರೆ. ಈ ಬಗ್ಗೆ ನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ, ಈ ನೋಟಿಫಿಕೇಷನ್ ಪ್ರಕಾರ ನಾವು 2015ಕ್ಕೆ ನಿವೃತ್ತಿಯ ಸಮಯ ಸಲ್ಲಿಸಿದ್ದ ರಿಟರ್ನ್ಸ್‌ಗಳಲ್ಲಿ ₹3 ಲಕ್ಷಕ್ಕೂ ಹೆಚ್ಚಿನ ಮೊತ್ತದ ರಜಾ ವೇತನಕ್ಕೆ ಪಾವತಿಸಿದ ತೆರಿಗೆ ಹಿಂಪಡೆಯಬಹುದೇ? ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಉತ್ತರ: ರಜಾ ವೇತನಕ್ಕೆ ಸಂಬಂಧಿಸಿದ ವಿನಾಯಿತಿ ಬಗ್ಗೆ ಆದಾಯ ತೆರಿಗೆಯ ಸೆಕ್ಷನ್ 10(10ಎಎ) ಅಡಿ ಹೇಳಲಾಗಿದೆ. 2023ರ ಕೇಂದ್ರ ಬಜೆಟ್‌ನಲ್ಲಿ ಈ ಸಂಬಂಧ ಇರುವ ವಿನಾಯಿತಿ ಮಿತಿಯನ್ನು ಹೆಚ್ಚಿಸಲಾಗಿತ್ತು.\u003C\u002Fp\u003E\u003Cp\u003Eತಾವು ಉಲ್ಲೇಖಿಸಿರುವ ಹಾಗೂ ಪ್ರಶ್ನೆಯೊಂದಿಗೆ ಮಾಹಿತಿಗಾಗಿ ನೀಡಿದ ಗೆಜೆಟ್‌ನಲ್ಲಿ ಹೇಳಿರುವಂತೆ ಈ ಹೊಸ ವಿನಾಯಿತಿ ಮಿತಿಯ ಪೂರ್ವಾನ್ವಯ ದಿನಾಂಕವು 2023ರ ಏಪ್ರಿಲ್‌ 1 ಆಗಿದೆ. ಆಗ ಚಾಲ್ತಿಯಲ್ಲಿದ್ದ ವಿನಾಯಿತಿ ಮೊತ್ತವನ್ನು ₹3 ಲಕ್ಷದಿಂದ ₹25 ಲಕ್ಷಕ್ಕೆ ಹೆಚ್ಚಿಸುವ ಬಗ್ಗೆ ಭಾಷಣದಲ್ಲಿ ಪ್ರಸ್ತಾಪಿಸುತ್ತಾ, ಆ ಬಗ್ಗೆ ಸೂಕ್ತ ಈ  ನೋಟಿಫಿಕೇಷನ್ ಹೊರಡಿಸುವ ಬಗ್ಗೆ ಬಜೆಟ್ ಭಾಷಣದಲ್ಲಿ ಉಲ್ಲೇಖಿಸಲಾಗಿತ್ತು. ಈ ಭಾಷಣದ ಪ್ರಸ್ತಾವನೆಯಂತೆ ಈ ಹಿಂದೆ ಈಗಾಗಲೇ ನಿವೃತ್ತಿ ಹೊಂದಿ, ಆಯಾ ಸಂದರ್ಭಕ್ಕೆ ಹೊಂದಿಕೊಂಡು, ಪಡೆಯಲಾದ ತೆರಿಗೆ ವಿನಾಯಿತಿಗಳಿಗೆ ಇನ್ನೂ ಹೆಚ್ಚುವರಿಯಾಗಿ ವಿನಾಯಿತಿ ಸಿಗುವ ರೀತಿ ಪೂರ್ವಾನ್ವಯವಾಗುವಂತೆ ತೆರಿಗೆ ಕಾನೂನು ನಿರೂಪಿಸುವುದು ಉದ್ದೇಶವಾಗಿರಲಿಲ್ಲ. ಬದಲಾಗಿ ಗೆಜೆಟ್ ಅಧಿಸೂಚನೆಯಲ್ಲಿ ಹೇಳಲಾದ ಮಾಹಿತಿಯಂತೆ 2023ರ ಏಪ್ರಿಲ್‌ 1ರಿಂದ ಹೆಚ್ಚುವರಿ ಮಿತಿ ಅನ್ವಯವಾಗುವುದಾಗಿ ಹೇಳಲಾಗಿತ್ತು.\u003C\u002Fp\u003E\u003Cp\u003Eಹೀಗಾಗಿ, ಗೆಜೆಟ್ ಅಧಿಸೂಚನೆಯನ್ನು (24.5.2023ರಂದು) ತಡವಾಗಿ ಹೊರಡಿಸಲಾಗಿ ದ್ದರೂ ಅದನ್ನು 2023ರ ಏಪ್ರಿಲ್‌ 1ರಿಂದ ಪೂರ್ವಾನ್ವಯವಾಗುವ ರೀತಿ ಕಾರ್ಯರೂಪಕ್ಕೆ ತರಲಾಗಿದೆ. ಆದರೆ, ತಡವಾಗಿ ಹೊರಡಿಸಲಾದ ಗೆಜೆಟ್‌ನಿಂದ ಯಾರಿಗೂ ವೃಥಾ ತೊಂದರೆಯಾಗ ಬಾರದು ಎನ್ನುವ ಉದ್ದೇಶದಿಂದ ವಿವರಣಾತ್ಮಕ ಮಾಹಿತಿ ನೀಡಲಾಗಿತ್ತು.\u003C\u002Fp\u003E\u003Cp\u003Eಉದಾಹರಣೆಗೆ ಈ ಎರಡು ದಿನಾಂಕಗಳ ಅವಧಿಯಲ್ಲಿ ಯಾವುದೇ ವ್ಯಕ್ತಿ ನಿವೃತ್ತಿ ಹೊಂದಿದ್ದರೆ, ಅವರ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕುವಾಗ ₹3 ಲಕ್ಷದ ವಿನಾಯಿತಿ ಮಿತಿ ಎಂದು ಪರಿಗಣಿಸಿರುವ ಸಾಧ್ಯತೆ ಇರುವ ಕಾರಣ ಹಾಗೂ ಅದರಂತೆ ತೆರಿಗೆಯನ್ನೂ ಗೆಜೆಟ್ ಹೊರಡಿಸುವ ಮುನ್ನ ಕಡಿತಗೊಳಿಸಿರಬಹುದಾದ ಸಾಧ್ಯತೆ ಇದೆ. ಇದರಿಂದ, ಅಂತಹವರು ಅನಗತ್ಯ ತೊಂದರೆಗೆ ಒಳಪಡಬಾರದು ಎನ್ನುವ ಕಾರಣಕ್ಕೆ ವಾರ್ಷಿಕ ರಿಟರ್ನ್ಸ್ ಸಲಿಸುವಾಗ ರೀಫಂಡ್ ಪಡೆದುಕೊಳ್ಳಬಹುದು ಎಂಬುದೇ ಅದರಲ್ಲಿನ ವಿವರಣೆಯ ಪರೋಕ್ಷ ಅರ್ಥವಾಗಿದೆ.  \u003C\u002Fp\u003E\u003Cp\u003Eಹೀಗಾಗಿ, ಈ ಪೂರ್ವಾನ್ವಯ ವಿನಾಯಿತಿಯನ್ನು ಬಜೆಟ್ ಮಂಡನೆಯ ಪರಿವ್ಯಾಪ್ತಿಗಿಂತಲೂ ಹಿಂದಿನ ಆರ್ಥಿಕ ವರ್ಷಗಳಿಗೆ ತಳಕು ಹಾಕುವುದು ತೆರಿಗೆ ವಿನಾಯಿತಿಯ ಪರಿಷ್ಕರಣೆಯ ಉದ್ದೇಶವಲ್ಲ. ಜೊತೆಗೆ, ತೆರಿಗೆಯ ಆಡಳಿತಾತ್ಮಕ ದೃಷ್ಟಿಕೋನದಿಂದಲೂ ಅದು ಪ್ರಾಯೋಗಿಕವಲ್ಲ. ಏಕೆಂದರೆ ಈ ಬಗೆಗಿನ ತೆರಿಗೆ ಮೌಲ್ಯಮಾಪನವು ಕೂಡ ಮುಗಿದಿರುತ್ತದೆ. ರಿಟರ್ನ್ಸ್ ಪರಿಷ್ಕರಿಸಲು ಇರುವ ಅವಧಿಯೂ ಆಯಾ ವರ್ಷಕ್ಕೆ ಸಂಬಂಧಿಸಿ ಈಗಾಗಲೇ ಮುಗಿದಿರುತ್ತದೆ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಬ್ಯಾಂಕ್‌ನ ನಿವೃತ್ತ ಉದ್ಯೋಗಿ. 2015ರ ಏಪ್ರಿಲ್‌ 30ರಂದು ನಿವೃತ್ತಿ ಹೊಂದಿದೆ. 8 ತಿಂಗಳ ರಜಾ ನಿವೃತ್ತಿ ವೇತನವಾಗಿ ₹6.02 ಲಕ್ಷ ಮೊತ್ತ ಸಿಕ್ಕಿತ್ತು. ಆ ಸಂದರ್ಭದಲ್ಲಿ ₹3 ಲಕ್ಷ ಮಾತ್ರ ರಜಾ ವೇತನಕ್ಕೆ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಇತ್ತು. ತದನಂತರ ಈ ಮೊತ್ತವನ್ನು ₹25 ಲಕ್ಷಕ್ಕೆ ಹೆಚ್ಚಿಸಲಾಯಿತು. ಈ ಬಗ್ಗೆ ಗೆಜೆಟ್ ನೋಟಿಫಿಕೇಷನ್ (ದಿನಾಂಕ 24.5.2023ರಂದು) ಹೊರಡಿಸಲಾಯಿತು.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eಇದರಲ್ಲಿ ಇರುವಂತೆ ಪೂರ್ವಾನ್ವಯವಾಗುವ ರೀತಿ ವಿನಾಯಿತಿ ನೀಡಲಾಗಿದೆ. ಈ ಬಗ್ಗೆ ನಮ್ಮ ಬ್ಯಾಂಕ್‌ನ ಪೆನ್ಷನರ್ ಅಸೋಸಿಯೇಷನ್ ಕೂಡ ಈ ವಿನಾಯಿತಿ ಪೂರ್ವಾನ್ವಯವಾಗುವ ಕಾರಣಕ್ಕೆ ಹಿಂದಿನ ವರ್ಷಗಳಿಗೂ ವಿನಾಯಿತಿ ಪಡೆಯಬಹುದು ಎಂದು ಮಾಹಿತಿ ನೀಡುವ ತಿಳಿವಳಿಕೆ ಪತ್ರವನ್ನು ಸದಸ್ಯರ ಅವಗಾಹನೆಗೆ ತಂದಿರುತ್ತಾರೆ. ಈ ಬಗ್ಗೆ ನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ, ಈ ನೋಟಿಫಿಕೇಷನ್ ಪ್ರಕಾರ ನಾವು 2015ಕ್ಕೆ ನಿವೃತ್ತಿಯ ಸಮಯ ಸಲ್ಲಿಸಿದ್ದ ರಿಟರ್ನ್ಸ್‌ಗಳಲ್ಲಿ ₹3 ಲಕ್ಷಕ್ಕೂ ಹೆಚ್ಚಿನ ಮೊತ್ತದ ರಜಾ ವೇತನಕ್ಕೆ ಪಾವತಿಸಿದ ತೆರಿಗೆ ಹಿಂಪಡೆಯಬಹುದೇ? ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಉತ್ತರ: ರಜಾ ವೇತನಕ್ಕೆ ಸಂಬಂಧಿಸಿದ ವಿನಾಯಿತಿ ಬಗ್ಗೆ ಆದಾಯ ತೆರಿಗೆಯ ಸೆಕ್ಷನ್ 10(10ಎಎ) ಅಡಿ ಹೇಳಲಾಗಿದೆ. 2023ರ ಕೇಂದ್ರ ಬಜೆಟ್‌ನಲ್ಲಿ ಈ ಸಂಬಂಧ ಇರುವ ವಿನಾಯಿತಿ ಮಿತಿಯನ್ನು ಹೆಚ್ಚಿಸಲಾಗಿತ್ತು.\u003C\u002Fp\u003E\u003Cp\u003Eತಾವು ಉಲ್ಲೇಖಿಸಿರುವ ಹಾಗೂ ಪ್ರಶ್ನೆಯೊಂದಿಗೆ ಮಾಹಿತಿಗಾಗಿ ನೀಡಿದ ಗೆಜೆಟ್‌ನಲ್ಲಿ ಹೇಳಿರುವಂತೆ ಈ ಹೊಸ ವಿನಾಯಿತಿ ಮಿತಿಯ ಪೂರ್ವಾನ್ವಯ ದಿನಾಂಕವು 2023ರ ಏಪ್ರಿಲ್‌ 1 ಆಗಿದೆ. ಆಗ ಚಾಲ್ತಿಯಲ್ಲಿದ್ದ ವಿನಾಯಿತಿ ಮೊತ್ತವನ್ನು ₹3 ಲಕ್ಷದಿಂದ ₹25 ಲಕ್ಷಕ್ಕೆ ಹೆಚ್ಚಿಸುವ ಬಗ್ಗೆ ಭಾಷಣದಲ್ಲಿ ಪ್ರಸ್ತಾಪಿಸುತ್ತಾ, ಆ ಬಗ್ಗೆ ಸೂಕ್ತ ಈ  ನೋಟಿಫಿಕೇಷನ್ ಹೊರಡಿಸುವ ಬಗ್ಗೆ ಬಜೆಟ್ ಭಾಷಣದಲ್ಲಿ ಉಲ್ಲೇಖಿಸಲಾಗಿತ್ತು. ಈ ಭಾಷಣದ ಪ್ರಸ್ತಾವನೆಯಂತೆ ಈ ಹಿಂದೆ ಈಗಾಗಲೇ ನಿವೃತ್ತಿ ಹೊಂದಿ, ಆಯಾ ಸಂದರ್ಭಕ್ಕೆ ಹೊಂದಿಕೊಂಡು, ಪಡೆಯಲಾದ ತೆರಿಗೆ ವಿನಾಯಿತಿಗಳಿಗೆ ಇನ್ನೂ ಹೆಚ್ಚುವರಿಯಾಗಿ ವಿನಾಯಿತಿ ಸಿಗುವ ರೀತಿ ಪೂರ್ವಾನ್ವಯವಾಗುವಂತೆ ತೆರಿಗೆ ಕಾನೂನು ನಿರೂಪಿಸುವುದು ಉದ್ದೇಶವಾಗಿರಲಿಲ್ಲ. ಬದಲಾಗಿ ಗೆಜೆಟ್ ಅಧಿಸೂಚನೆಯಲ್ಲಿ ಹೇಳಲಾದ ಮಾಹಿತಿಯಂತೆ 2023ರ ಏಪ್ರಿಲ್‌ 1ರಿಂದ ಹೆಚ್ಚುವರಿ ಮಿತಿ ಅನ್ವಯವಾಗುವುದಾಗಿ ಹೇಳಲಾಗಿತ್ತು.\u003C\u002Fp\u003E\u003Cp\u003Eಹೀಗಾಗಿ, ಗೆಜೆಟ್ ಅಧಿಸೂಚನೆಯನ್ನು (24.5.2023ರಂದು) ತಡವಾಗಿ ಹೊರಡಿಸಲಾಗಿ ದ್ದರೂ ಅದನ್ನು 2023ರ ಏಪ್ರಿಲ್‌ 1ರಿಂದ ಪೂರ್ವಾನ್ವಯವಾಗುವ ರೀತಿ ಕಾರ್ಯರೂಪಕ್ಕೆ ತರಲಾಗಿದೆ. ಆದರೆ, ತಡವಾಗಿ ಹೊರಡಿಸಲಾದ ಗೆಜೆಟ್‌ನಿಂದ ಯಾರಿಗೂ ವೃಥಾ ತೊಂದರೆಯಾಗ ಬಾರದು ಎನ್ನುವ ಉದ್ದೇಶದಿಂದ ವಿವರಣಾತ್ಮಕ ಮಾಹಿತಿ ನೀಡಲಾಗಿತ್ತು.\u003C\u002Fp\u003E\u003Cp\u003Eಉದಾಹರಣೆಗೆ ಈ ಎರಡು ದಿನಾಂಕಗಳ ಅವಧಿಯಲ್ಲಿ ಯಾವುದೇ ವ್ಯಕ್ತಿ ನಿವೃತ್ತಿ ಹೊಂದಿದ್ದರೆ, ಅವರ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕುವಾಗ ₹3 ಲಕ್ಷದ ವಿನಾಯಿತಿ ಮಿತಿ ಎಂದು ಪರಿಗಣಿಸಿರುವ ಸಾಧ್ಯತೆ ಇರುವ ಕಾರಣ ಹಾಗೂ ಅದರಂತೆ ತೆರಿಗೆಯನ್ನೂ ಗೆಜೆಟ್ ಹೊರಡಿಸುವ ಮುನ್ನ ಕಡಿತಗೊಳಿಸಿರಬಹುದಾದ ಸಾಧ್ಯತೆ ಇದೆ. ಇದರಿಂದ, ಅಂತಹವರು ಅನಗತ್ಯ ತೊಂದರೆಗೆ ಒಳಪಡಬಾರದು ಎನ್ನುವ ಕಾರಣಕ್ಕೆ ವಾರ್ಷಿಕ ರಿಟರ್ನ್ಸ್ ಸಲಿಸುವಾಗ ರೀಫಂಡ್ ಪಡೆದುಕೊಳ್ಳಬಹುದು ಎಂಬುದೇ ಅದರಲ್ಲಿನ ವಿವರಣೆಯ ಪರೋಕ್ಷ ಅರ್ಥವಾಗಿದೆ.  \u003C\u002Fp\u003E\u003Cp\u003Eಹೀಗಾಗಿ, ಈ ಪೂರ್ವಾನ್ವಯ ವಿನಾಯಿತಿಯನ್ನು ಬಜೆಟ್ ಮಂಡನೆಯ ಪರಿವ್ಯಾಪ್ತಿಗಿಂತಲೂ ಹಿಂದಿನ ಆರ್ಥಿಕ ವರ್ಷಗಳಿಗೆ ತಳಕು ಹಾಕುವುದು ತೆರಿಗೆ ವಿನಾಯಿತಿಯ ಪರಿಷ್ಕರಣೆಯ ಉದ್ದೇಶವಲ್ಲ. ಜೊತೆಗೆ, ತೆರಿಗೆಯ ಆಡಳಿತಾತ್ಮಕ ದೃಷ್ಟಿಕೋನದಿಂದಲೂ ಅದು ಪ್ರಾಯೋಗಿಕವಲ್ಲ. ಏಕೆಂದರೆ ಈ ಬಗೆಗಿನ ತೆರಿಗೆ ಮೌಲ್ಯಮಾಪನವು ಕೂಡ ಮುಗಿದಿರುತ್ತದೆ. ರಿಟರ್ನ್ಸ್ ಪರಿಷ್ಕರಿಸಲು ಇರುವ ಅವಧಿಯೂ ಆಯಾ ವರ್ಷಕ್ಕೆ ಸಂಬಂಧಿಸಿ ಈಗಾಗಲೇ ಮುಗಿದಿರುತ್ತದೆ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F6c2f6164-1f86-4ad3-9254-4d0df766355b\u002Felement\u002Fe2ed861f-3eb5-4210-a204-6bcb4377fea6","type":"text","family-id":"4870a970-677b-4913-ad7b-3ad7a2e8494c","title":"","id":"e2ed861f-3eb5-4210-a204-6bcb4377fea6","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003Eಹಣಕಾಸಿಗೆ ಸಂಬಂಧಿಸಿದ ಪ್ರಶ್ನೆಗಳನ್ನು ಪತ್ರದಲ್ಲಿ (ದೂರವಾಣಿ ಸಂಖ್ಯೆ ಸಹಿತ) ಬರೆದು ಕಳುಹಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eವಿಳಾಸ: ಪ್ರಶ್ನೋತ್ತರ, ವಾಣಿಜ್ಯ ವಿಭಾಗ, ಪ್ರಜಾವಾಣಿ, ನಂ.75, ಮಹಾತ್ಮ ಗಾಂಧಿ ರಸ್ತೆ, ಬೆಂಗಳೂರು–560001.\u003C\u002Fp\u003E\u003Cp\u003Eಇ–ಮೇಲ್‌: businessdesk@prajavani.co.in\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1722987014806,"content-version-id":"062b77a6-ea02-46a3-9f5b-a3b41c535b1b","card-added-at":1722952889265,"status":"draft","id":"6d59c19d-b34c-4d5c-8596-353c4eab99a7","content-id":"6d59c19d-b34c-4d5c-8596-353c4eab99a7","version":10,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ | ಯಾವ ಬಗೆಯ ತೆರಿಗೆ ರಿಯಾಯಿತಿಗಳು ಲಭ್ಯ ?","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-08-07\u002Fx4uxs0h2\u002Fprajavani_2024-06_04e5ec24-f762-49b0-8396-b00e5fed7e5a_taxweb.avif","url":null,"attribution":null,"alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಸಾಂಕೇತಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"width":500,"height":281,"mime-type":"image\u002Favif","file-size":26905,"file-name":"prajavani_2024-06_04e5ec24-f762-49b0-8396-b00e5fed7e5a_taxweb.avif","focus-point":[275,100]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fsolution-for-financial-and-tax-related-problem-an-expert-advice-2-2916682","story-version-id":"be00f043-0b8d-480a-8f72-4402b998b654","content-type":"story","content-updated-at":1722995082937,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1722987023031,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಸಾಂಕೇತಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":15,"story-template":"syndicated","sequence-no":null,"created-at":1722995078077,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ಪ್ರಶ್ನೋತ್ತರ"]},"imported-card-id":"6d59c19d-b34c-4d5c-8596-353c4eab99a7","card-share":{"shareable":false}},"publish-at":null,"assignee-name":"syndication"}},{"id":"b3cfd3db-3f41-4717-9724-9583b7f1c88d","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ"]},"story":{"updated-at":1722359627560,"seo":{"meta-description":"ಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ","meta-keywords":["Financial 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advice","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"width":299,"height":168,"mime-type":"image\u002Fjpeg","file-size":9901,"file-name":"images.jpg","focus-point":[83,59]},"comments":null,"word-count":462,"story-features":null,"entities":{},"published-at":1722385800000,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7wiu6l832mpoag9imqg","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"b3cfd3db-3f41-4717-9724-9583b7f1c88d","hero-image-s3-key":"prajavani\u002F2024-07\u002F4b0e0d1f-079c-4b3f-b4f0-b46beb2e2ba6\u002Fimages.jpg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002Fb3cfd3db-3f41-4717-9724-9583b7f1c88d\u002Felement\u002Fae95644f-a689-4c9e-8350-9caf0a9e0b17","type":"text","family-id":"5ab613a3-7ec4-47fd-8459-1deaaad20158","title":"","id":"ae95644f-a689-4c9e-8350-9caf0a9e0b17","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fb3cfd3db-3f41-4717-9724-9583b7f1c88d\u002Felement\u002F1d55d438-5308-46eb-ac48-dce96676f53d","type":"text","family-id":"22e7752a-37f6-4066-b7ae-686d943c9fdd","title":"","id":"1d55d438-5308-46eb-ac48-dce96676f53d","metadata":{},"subtype":null,"text":"\u003Cp\u003E-ನಾಗಭೂಷಣ್, ಊರು ಹೆಸರಿಸಿಲ್ಲ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fb3cfd3db-3f41-4717-9724-9583b7f1c88d\u002Felement\u002F098f6349-2028-455d-8a4e-64db7398cbb8","type":"text","family-id":"5e5ed1c4-5a5d-4657-8a44-0a83958006bf","title":"","id":"098f6349-2028-455d-8a4e-64db7398cbb8","metadata":{"question":"\u003Cp\u003Eನನ್ನ ಪತ್ನಿಯ ಹೆಸರಲ್ಲಿ ಕೆಲವು ಉಳಿತಾಯ ಖಾತೆಗಳಿದ್ದವು. ಇದರಲ್ಲಿ ಅಂಚೆ ಕಚೇರಿಯಲ್ಲಿ ತೆರೆದಿರುವ ಎನ್‌ಎಸ್‌‌ಸಿ ಹಾಗೂ ಉಳಿತಾಯ ಖಾತೆ ಸೇರಿವೆ. ಅವರು ನಿಧನರಾಗಿರುವುದರಿಂದ ಒಟ್ಟಾರೆ ₹6.08 ಲಕ್ಷ ಮೊತ್ತವು ನನ್ನ ಖಾತೆಗೆ ಪ್ರಸಕ್ತ ವರ್ಷದ ಜನವರಿಯಲ್ಲಿ ಜಮೆ ಆಗಿದೆ. ಇದರ ಮೇಲೆ ಆದಾಯ ತೆರಿಗೆ ಬಂದಿರುವುದು ನನ್ನ ಖಾತೆಯಲ್ಲಿ ಗೋಚರಿಸುತ್ತಿದೆ. ಈ ವರ್ಗಾವಣೆಗೆ ತೆರಿಗೆ ಅನ್ವಯವಾಗುತ್ತದೆಯೇ? ಎಂಬ ಬಗ್ಗೆ ತಿಳಿಸಿ.\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ ಪತ್ನಿಯ ಖಾತೆಗೆ ನೀವು ನಾಮಿನಿ ಆಗಿರುವುದರಿಂದ ಉಲ್ಲೇಖಿಸಿರುವ ಮೊತ್ತ ಬಂದಿದೆ. ಮೊದಲ ಹಂತದಲ್ಲಿ ಈ ಮೊತ್ತವು ನಿಮಗೆ ಯಾವುದೇ ಆದಾಯವಲ್ಲ. ಮೃತರ ಸಂಬಂಧಿಯಾಗಿರುವ ಕಾರಣಕ್ಕೆ ಈ ಹಣ ನಿಮ್ಮ ಖಾತೆಗೆ ಜಮೆ ಆಗಿರುತ್ತದೆ. ಒಂದು ವೇಳೆ ಈ ಮೊತ್ತದ ಮೇಲೆ ಬಡ್ಡಿ ಜಮೆ ಆಗಿ ತೆರಿಗೆ ಕಡಿತಗೊಳಿಸುವ ಹಂತ ಮೀರಿದ್ದರೆ ಮಾತ್ರ ತೆರಿಗೆ ಕಡಿತಗೊಳಿಸಬಹುದು. ಬರಬಹುದಾದ ಬಡ್ಡಿ ಮೊತ್ತ ₹40 ಸಾವಿರಕ್ಕೂ (ಹಿರಿಯ ನಾಗರಿಕರಿಗೆ ₹50,000) ಕಡಿಮೆ ಇದ್ದರೆ, ತೆರಿಗೆ ಕಡಿತಗೊಳಿಸುವ ಅಗತ್ಯವಿರುವುದಿಲ್ಲ.  \u003C\u002Fp\u003E\u003Cp\u003Eಆದಾಯ ತೆರಿಗೆಯ ನಿಯಮ 114ಇ ಅಡಿ ಯಾವುದೇ ಅಂಚೆ ಖಾತೆಗೆ ಒಂದು ಆರ್ಥಿಕ ವರ್ಷದಲ್ಲಿ ₹10 ಲಕ್ಷ ನಗದು ಮೊತ್ತಕ್ಕಿಂತ ಅಧಿಕ ಜಮೆ ಮಾಡಿದಾಗ ಅಥವಾ ಆ ಮೊತ್ತಕ್ಕಿಂತ ಅಧಿಕ ಮೊತ್ತದ ಠೇವಣಿ ಪಡೆದಾಗ ಮಾತ್ರ ಅಂತಹ ಮೊತ್ತವನ್ನು ಅಂಚೆ ಇಲಾಖೆ ಪ್ರತ್ಯೇಕವಾಗಿ ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಗೆ ವರದಿ ಸಲ್ಲಿಸುವ ಮೂಲಕ ಮಾಹಿತಿ ನೀಡಬೇಕಾಗುತ್ತದೆ. ನೀವು ಕೊಟ್ಟಿರುವ ಮಾಹಿತಿಯಂತೆ ಈ ಮೇಲಿನ ಯಾವುದೇ ವರ್ಗದಲ್ಲಿ ನಿಮ್ಮ ವರ್ಗಾವಣೆ ಬರದ ಕಾರಣ ನಿಮ್ಮ ಖಾತೆಯಲ್ಲಿ ಯಾವುದೇ ವರ್ಗಾವಣೆ ಮೊತ್ತ ಕಂಡುಬರುವ ಅಗತ್ಯವಿಲ್ಲ. ಜೊತೆಗೆ, ತೆರಿಗೆಯು ಅನ್ವಯವಾಗುವುದಿಲ್ಲ.  \u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನನ್ನ ಪತ್ನಿಯ ಹೆಸರಲ್ಲಿ ಕೆಲವು ಉಳಿತಾಯ ಖಾತೆಗಳಿದ್ದವು. ಇದರಲ್ಲಿ ಅಂಚೆ ಕಚೇರಿಯಲ್ಲಿ ತೆರೆದಿರುವ ಎನ್‌ಎಸ್‌‌ಸಿ ಹಾಗೂ ಉಳಿತಾಯ ಖಾತೆ ಸೇರಿವೆ. ಅವರು ನಿಧನರಾಗಿರುವುದರಿಂದ ಒಟ್ಟಾರೆ ₹6.08 ಲಕ್ಷ ಮೊತ್ತವು ನನ್ನ ಖಾತೆಗೆ ಪ್ರಸಕ್ತ ವರ್ಷದ ಜನವರಿಯಲ್ಲಿ ಜಮೆ ಆಗಿದೆ. ಇದರ ಮೇಲೆ ಆದಾಯ ತೆರಿಗೆ ಬಂದಿರುವುದು ನನ್ನ ಖಾತೆಯಲ್ಲಿ ಗೋಚರಿಸುತ್ತಿದೆ. ಈ ವರ್ಗಾವಣೆಗೆ ತೆರಿಗೆ ಅನ್ವಯವಾಗುತ್ತದೆಯೇ? ಎಂಬ ಬಗ್ಗೆ ತಿಳಿಸಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ ಪತ್ನಿಯ ಖಾತೆಗೆ ನೀವು ನಾಮಿನಿ ಆಗಿರುವುದರಿಂದ ಉಲ್ಲೇಖಿಸಿರುವ ಮೊತ್ತ ಬಂದಿದೆ. ಮೊದಲ ಹಂತದಲ್ಲಿ ಈ ಮೊತ್ತವು ನಿಮಗೆ ಯಾವುದೇ ಆದಾಯವಲ್ಲ. ಮೃತರ ಸಂಬಂಧಿಯಾಗಿರುವ ಕಾರಣಕ್ಕೆ ಈ ಹಣ ನಿಮ್ಮ ಖಾತೆಗೆ ಜಮೆ ಆಗಿರುತ್ತದೆ. ಒಂದು ವೇಳೆ ಈ ಮೊತ್ತದ ಮೇಲೆ ಬಡ್ಡಿ ಜಮೆ ಆಗಿ ತೆರಿಗೆ ಕಡಿತಗೊಳಿಸುವ ಹಂತ ಮೀರಿದ್ದರೆ ಮಾತ್ರ ತೆರಿಗೆ ಕಡಿತಗೊಳಿಸಬಹುದು. ಬರಬಹುದಾದ ಬಡ್ಡಿ ಮೊತ್ತ ₹40 ಸಾವಿರಕ್ಕೂ (ಹಿರಿಯ ನಾಗರಿಕರಿಗೆ ₹50,000) ಕಡಿಮೆ ಇದ್ದರೆ, ತೆರಿಗೆ ಕಡಿತಗೊಳಿಸುವ ಅಗತ್ಯವಿರುವುದಿಲ್ಲ.  \u003C\u002Fp\u003E\u003Cp\u003Eಆದಾಯ ತೆರಿಗೆಯ ನಿಯಮ 114ಇ ಅಡಿ ಯಾವುದೇ ಅಂಚೆ ಖಾತೆಗೆ ಒಂದು ಆರ್ಥಿಕ ವರ್ಷದಲ್ಲಿ ₹10 ಲಕ್ಷ ನಗದು ಮೊತ್ತಕ್ಕಿಂತ ಅಧಿಕ ಜಮೆ ಮಾಡಿದಾಗ ಅಥವಾ ಆ ಮೊತ್ತಕ್ಕಿಂತ ಅಧಿಕ ಮೊತ್ತದ ಠೇವಣಿ ಪಡೆದಾಗ ಮಾತ್ರ ಅಂತಹ ಮೊತ್ತವನ್ನು ಅಂಚೆ ಇಲಾಖೆ ಪ್ರತ್ಯೇಕವಾಗಿ ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಗೆ ವರದಿ ಸಲ್ಲಿಸುವ ಮೂಲಕ ಮಾಹಿತಿ ನೀಡಬೇಕಾಗುತ್ತದೆ. ನೀವು ಕೊಟ್ಟಿರುವ ಮಾಹಿತಿಯಂತೆ ಈ ಮೇಲಿನ ಯಾವುದೇ ವರ್ಗದಲ್ಲಿ ನಿಮ್ಮ ವರ್ಗಾವಣೆ ಬರದ ಕಾರಣ ನಿಮ್ಮ ಖಾತೆಯಲ್ಲಿ ಯಾವುದೇ ವರ್ಗಾವಣೆ ಮೊತ್ತ ಕಂಡುಬರುವ ಅಗತ್ಯವಿಲ್ಲ. ಜೊತೆಗೆ, ತೆರಿಗೆಯು ಅನ್ವಯವಾಗುವುದಿಲ್ಲ.  \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002Fb3cfd3db-3f41-4717-9724-9583b7f1c88d\u002Felement\u002F76ce8c58-e941-445e-8959-e90d042932e1","type":"text","family-id":"647f2901-48b2-45bc-bf26-50bf5b649ed7","title":"","id":"76ce8c58-e941-445e-8959-e90d042932e1","metadata":{},"subtype":null,"text":"\u003Cp\u003E-ನಾರಾಯಣ, ಮೈಸೂರು\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fb3cfd3db-3f41-4717-9724-9583b7f1c88d\u002Felement\u002Fbbbaec56-0ca8-4269-b483-568897e18f4b","type":"text","family-id":"402f598a-0fa4-4f8b-9715-d9eb4125d2f6","title":"","id":"bbbaec56-0ca8-4269-b483-568897e18f4b","metadata":{"question":"\u003Cp\u003Eನಾನು 2023ರ ಡಿಸೆಂಬರ್‌ನಲ್ಲಿ ಮೈಸೂರಿನಲ್ಲಿದ್ದ ನನ್ನ ನಿವೇಶನವನ್ನು ₹80 ಲಕ್ಷಕ್ಕೆ ಮಾರಾಟ ಮಾಡಿದ್ದೇನೆ. ಆ ಹಣ ನನ್ನ ಬ್ಯಾ೦ಕ್ ಖಾತೆಯಲ್ಲಿದೆ. ಖರೀದಿದಾರರು ಶೇ 1ರ ದರದಲ್ಲಿ ಟಿಡಿಎಸ್ ಮಾಡಿರುತ್ತಾರೆ. ಈಗ ಬೆಂಗಳೂರಿನಲ್ಲಿ ಒಂದು ಫ್ಲ್ಯಾಟ್ ಖರೀದಿಸುವ ಬಗ್ಗೆ ನಾನು ಮಾತುಕತೆ ನಡೆಸಿದ್ದೇನೆ. ಇದರ ಮೌಲ್ಯ ₹58 ಲಕ್ಷ. ಈ ಆಸ್ತಿಯನ್ನು ನಾನು ಅನಿವಾಸಿ ಭಾರತೀಯರೊಬ್ಬರಿಂದ ಖರೀದಿ ಮಾಡಬೇಕಾಗಿದೆ. ಇದರಿಂದ ನಾನು ಶೇ 20ರಷ್ಟು ಟಿಡಿಎಸ್ ಪಾವತಿ ಮಾಡಬೇಕೆಂದು ತಿಳಿಯಿತು. ಈ ವ್ಯವಹಾರವನ್ನು ನಾನು ತ್ವರಿತವಾಗಿ ಮಾಡಬೇಕಾಗಿರುವುದರಿಂದ ದಯವಿಟ್ಟು ಉತ್ತರಿಸಿ.\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ ಈಗಾಗಲೇ ನಿಮ್ಮ ಮೈಸೂರಿನ ನಿವೇಶನ ಮಾರಾಟ ಮಾಡಿದ್ದೀರಿ. ಇದಕ್ಕೆ ಖರೀದಿದಾರರು ಕಡಿತ ಮಾಡಬೇಕಾದ ಟಿಡಿಎಸ್ ಅನ್ನು ಈಗಾಗಲೇ ಕಡಿತ ಮಾಡಿದ್ದಾರೆ. ಆದರೆ, ಇದಕ್ಕೆ ಸಂಬಂಧಿಸಿ ನಿಮಗೆ ಯಾವ ವರ್ಗದಲ್ಲಿ ತೆರಿಗೆ ಅನ್ವಯಿಸುತ್ತದೆ ಎಂಬುದನ್ನು ಪರಿಶೀಲಿಸಿ. ಒಂದು ವೇಳೆ ಈ ನಿವೇಶನವು ನೀವು ಹೊಂದಿರುವ ಅವಧಿ 24 ತಿಂಗಳಿಗಿಂತ ಹೆಚ್ಚಿದ್ದರೆ ದೀರ್ಘಾವಧಿ ಬಂಡವಾಳ ಗಳಿಕೆ ತೆರಿಗೆ ಅನ್ವಯಿಸುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಇದಕ್ಕಿಂತ ಕಡಿಮೆ ಅವಧಿಯ ಹೂಡಿಕೆಯಾಗಿದ್ದರೆ, ಅಲ್ಪಾವಧಿ ಬಂಡವಾಳ ಗಳಿಕೆ ಮೇಲಿನ ತೆರಿಗೆ ಅನ್ವಯಿಸುತ್ತದೆ. ಇದಕ್ಕೆ ಕ್ರಮವಾಗಿ ಶೇ 20ರಷ್ಟು ತೆರಿಗೆ ಅಥವಾ ನಿಮಗೆ ಅನ್ವಯಿಸುವ ವಿವಿಧ ಸ್ಥರದ ದರ ಅನ್ವಯವಾಗುತ್ತದೆ. ನೀವು ಮನೆಯಲ್ಲಿ ಮರು ಹೂಡಿಕೆ ಮಾಡುವ ಕಾರಣ ನಿಮಗೆ ಸೆಕ್ಷನ್ 54ಎಫ್ ಅಡಿ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಪಡೆಯಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eಅನಿವಾಸಿ ಭಾರತೀಯರಿಂದ (ಎನ್‌ಆರ್‌ಐ) ನೀವು ಫ್ಲ್ಯಾಟ್‌ ಖರೀದಿಸುವಾಗ ಅನ್ವಯವಾಗುವ ಕೆಲವು ತೆರಿಗೆ ನಿಯಮಗಳನ್ನು ಪಾಲಿಸಬೇಕಾಗುತ್ತದೆ. ಇದಕ್ಕೆ ಯಾವುದೇ ಮೌಲ್ಯದ ಮಿತಿ ಇಲ್ಲ. ಹೀಗಾಗಿ, ಮೊದಲ ಹಂತದಲ್ಲಿ ತೆರಿಗೆ ಕಡಿತಕ್ಕಾಗಿ ನೀವು ಟ್ಯಾನ್ ಸಂಖ್ಯೆ ಹೊಂದಿರಬೇಕು. ಇದಕ್ಕಾಗಿ ಖರೀದಿದಾರರಾದ ನೀವು ಟ್ಯಾನ್ ಸಂಖ್ಯೆಯನ್ನು ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಯಿಂದ ಪಡೆಯಲು ಅರ್ಜಿ ಸಲ್ಲಿಸಬೇಕು. ತದನಂತರ ಅನ್ವಯವಾಗುವ ತೆರಿಗೆ ದರದಂತೆ (ಶೇ 22.88ರಷ್ಟು) ತೆರಿಗೆ ಕಡಿತಗೊಳಿಸಬೇಕು.\u003C\u002Fp\u003E\u003Cp\u003Eಮೇಲೆ ಉಲ್ಲೇಖಿಸಿದ ಟಿಡಿಎಸ್ ಮೊತ್ತ ಕಡಿತಗೊಳಿಸಿ ನಂತರದ ತಿಂಗಳ 7ನೇ ದಿನಾಂಕದೊಳಗೆ ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಗೆ ಪಾವತಿಸಬೇಕು. ಜಮೆ ಮಾಡಿದ ನಂತರ ನೀವು ಟಿಡಿಎಸ್ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಬೇಕಾಗುತ್ತದೆ. ಈ ರಿಟರ್ನ್ಸ್ ಅನ್ನು ಟಿಡಿಎಸ್ ಕಡಿತಗೊಳಿಸಿದ ಆಯಾ ತ್ರೈಮಾಸಿಕದ ಒಂದು ತಿಂಗಳೊಳಗೆ ಸಲ್ಲಿಸಬೇಕಾಗುತ್ತದೆ. ಕೊನೆಯ ಹಂತವಾಗಿ ಖರೀದಿದಾರರಾದ ನೀವು ಆಸ್ತಿ ಮಾರಾಟ ಮಾಡಿದವರಿಗೆ ‘ಫಾರ್ಮ್ 16ಎ’ ಅನ್ನು ಒದಗಿಸಬೇಕಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಒಂದು ವೇಳೆ ಮಾರಾಟ ಮಾಡುವವರಿಗೆ ಇಲ್ಲಿನ ಆದಾಯದ ಮೇಲೆ ಯಾವುದೇ ತೆರಿಗೆ ಅನ್ವಯವಾಗುವುದಿಲ್ಲ ಅಥವಾ ನೀವು ಕಡಿತಗೊಳಿಸುವ ತೆರಿಗೆ ಅವರ ಒಟ್ಟಾರೆ ಆದಾಯಕ್ಕೆ ಸಂಬಂಧಿಸಿದಂತೆ ಹೆಚ್ಚಾಗುವುದಿದ್ದರೆ, ಅವರು ಸ್ಥಳೀಯ ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಯಿಂದ ‘ಫಾರ್ಮ್ 13’ ಪಡೆದುಕೊಳ್ಳಬಹುದು. ಇದರ ಆಧಾರದ ಮೇಲೆ ನೀವು ಶೂನ್ಯ ಅಥವಾ ಅದರಲ್ಲಿ ಉಲ್ಲೇಖಿಸಿಸುವ ತೆರಿಗೆ ದರದಂತೆ ಕಡಿಮೆ ಮೊತ್ತ ಕಡಿತಗೊಳಿಸಲು ಅವಕಾಶವಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಖರೀದಿ ಹಾಗೂ ಹಣ ಸಂದಾಯವಾದ ನಂತರ ಟ್ಯಾನ್ ಸಂಖ್ಯೆಯನ್ನು ರದ್ದುಗೊಳಿಸಲು ತೆರಿಗೆ ಇಲಾಖೆಗೆ ಮನವಿ ಸಲ್ಲಿಸಿ. ಇದಕ್ಕಾಗಿ ಸ್ಥಳೀಯ ತೆರಿಗೆ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸಿ ಅಗತ್ಯವಿರುವ ನೆರವು ಪಡೆದುಕೊಳ್ಳಿ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು 2023ರ ಡಿಸೆಂಬರ್‌ನಲ್ಲಿ ಮೈಸೂರಿನಲ್ಲಿದ್ದ ನನ್ನ ನಿವೇಶನವನ್ನು ₹80 ಲಕ್ಷಕ್ಕೆ ಮಾರಾಟ ಮಾಡಿದ್ದೇನೆ. ಆ ಹಣ ನನ್ನ ಬ್ಯಾ೦ಕ್ ಖಾತೆಯಲ್ಲಿದೆ. ಖರೀದಿದಾರರು ಶೇ 1ರ ದರದಲ್ಲಿ ಟಿಡಿಎಸ್ ಮಾಡಿರುತ್ತಾರೆ. ಈಗ ಬೆಂಗಳೂರಿನಲ್ಲಿ ಒಂದು ಫ್ಲ್ಯಾಟ್ ಖರೀದಿಸುವ ಬಗ್ಗೆ ನಾನು ಮಾತುಕತೆ ನಡೆಸಿದ್ದೇನೆ. ಇದರ ಮೌಲ್ಯ ₹58 ಲಕ್ಷ. ಈ ಆಸ್ತಿಯನ್ನು ನಾನು ಅನಿವಾಸಿ ಭಾರತೀಯರೊಬ್ಬರಿಂದ ಖರೀದಿ ಮಾಡಬೇಕಾಗಿದೆ. ಇದರಿಂದ ನಾನು ಶೇ 20ರಷ್ಟು ಟಿಡಿಎಸ್ ಪಾವತಿ ಮಾಡಬೇಕೆಂದು ತಿಳಿಯಿತು. ಈ ವ್ಯವಹಾರವನ್ನು ನಾನು ತ್ವರಿತವಾಗಿ ಮಾಡಬೇಕಾಗಿರುವುದರಿಂದ ದಯವಿಟ್ಟು ಉತ್ತರಿಸಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ ಈಗಾಗಲೇ ನಿಮ್ಮ ಮೈಸೂರಿನ ನಿವೇಶನ ಮಾರಾಟ ಮಾಡಿದ್ದೀರಿ. ಇದಕ್ಕೆ ಖರೀದಿದಾರರು ಕಡಿತ ಮಾಡಬೇಕಾದ ಟಿಡಿಎಸ್ ಅನ್ನು ಈಗಾಗಲೇ ಕಡಿತ ಮಾಡಿದ್ದಾರೆ. ಆದರೆ, ಇದಕ್ಕೆ ಸಂಬಂಧಿಸಿ ನಿಮಗೆ ಯಾವ ವರ್ಗದಲ್ಲಿ ತೆರಿಗೆ ಅನ್ವಯಿಸುತ್ತದೆ ಎಂಬುದನ್ನು ಪರಿಶೀಲಿಸಿ. ಒಂದು ವೇಳೆ ಈ ನಿವೇಶನವು ನೀವು ಹೊಂದಿರುವ ಅವಧಿ 24 ತಿಂಗಳಿಗಿಂತ ಹೆಚ್ಚಿದ್ದರೆ ದೀರ್ಘಾವಧಿ ಬಂಡವಾಳ ಗಳಿಕೆ ತೆರಿಗೆ ಅನ್ವಯಿಸುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಇದಕ್ಕಿಂತ ಕಡಿಮೆ ಅವಧಿಯ ಹೂಡಿಕೆಯಾಗಿದ್ದರೆ, ಅಲ್ಪಾವಧಿ ಬಂಡವಾಳ ಗಳಿಕೆ ಮೇಲಿನ ತೆರಿಗೆ ಅನ್ವಯಿಸುತ್ತದೆ. ಇದಕ್ಕೆ ಕ್ರಮವಾಗಿ ಶೇ 20ರಷ್ಟು ತೆರಿಗೆ ಅಥವಾ ನಿಮಗೆ ಅನ್ವಯಿಸುವ ವಿವಿಧ ಸ್ಥರದ ದರ ಅನ್ವಯವಾಗುತ್ತದೆ. ನೀವು ಮನೆಯಲ್ಲಿ ಮರು ಹೂಡಿಕೆ ಮಾಡುವ ಕಾರಣ ನಿಮಗೆ ಸೆಕ್ಷನ್ 54ಎಫ್ ಅಡಿ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಪಡೆಯಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eಅನಿವಾಸಿ ಭಾರತೀಯರಿಂದ (ಎನ್‌ಆರ್‌ಐ) ನೀವು ಫ್ಲ್ಯಾಟ್‌ ಖರೀದಿಸುವಾಗ ಅನ್ವಯವಾಗುವ ಕೆಲವು ತೆರಿಗೆ ನಿಯಮಗಳನ್ನು ಪಾಲಿಸಬೇಕಾಗುತ್ತದೆ. ಇದಕ್ಕೆ ಯಾವುದೇ ಮೌಲ್ಯದ ಮಿತಿ ಇಲ್ಲ. ಹೀಗಾಗಿ, ಮೊದಲ ಹಂತದಲ್ಲಿ ತೆರಿಗೆ ಕಡಿತಕ್ಕಾಗಿ ನೀವು ಟ್ಯಾನ್ ಸಂಖ್ಯೆ ಹೊಂದಿರಬೇಕು. ಇದಕ್ಕಾಗಿ ಖರೀದಿದಾರರಾದ ನೀವು ಟ್ಯಾನ್ ಸಂಖ್ಯೆಯನ್ನು ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಯಿಂದ ಪಡೆಯಲು ಅರ್ಜಿ ಸಲ್ಲಿಸಬೇಕು. ತದನಂತರ ಅನ್ವಯವಾಗುವ ತೆರಿಗೆ ದರದಂತೆ (ಶೇ 22.88ರಷ್ಟು) ತೆರಿಗೆ ಕಡಿತಗೊಳಿಸಬೇಕು.\u003C\u002Fp\u003E\u003Cp\u003Eಮೇಲೆ ಉಲ್ಲೇಖಿಸಿದ ಟಿಡಿಎಸ್ ಮೊತ್ತ ಕಡಿತಗೊಳಿಸಿ ನಂತರದ ತಿಂಗಳ 7ನೇ ದಿನಾಂಕದೊಳಗೆ ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಗೆ ಪಾವತಿಸಬೇಕು. ಜಮೆ ಮಾಡಿದ ನಂತರ ನೀವು ಟಿಡಿಎಸ್ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಬೇಕಾಗುತ್ತದೆ. ಈ ರಿಟರ್ನ್ಸ್ ಅನ್ನು ಟಿಡಿಎಸ್ ಕಡಿತಗೊಳಿಸಿದ ಆಯಾ ತ್ರೈಮಾಸಿಕದ ಒಂದು ತಿಂಗಳೊಳಗೆ ಸಲ್ಲಿಸಬೇಕಾಗುತ್ತದೆ. ಕೊನೆಯ ಹಂತವಾಗಿ ಖರೀದಿದಾರರಾದ ನೀವು ಆಸ್ತಿ ಮಾರಾಟ ಮಾಡಿದವರಿಗೆ ‘ಫಾರ್ಮ್ 16ಎ’ ಅನ್ನು ಒದಗಿಸಬೇಕಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಒಂದು ವೇಳೆ ಮಾರಾಟ ಮಾಡುವವರಿಗೆ ಇಲ್ಲಿನ ಆದಾಯದ ಮೇಲೆ ಯಾವುದೇ ತೆರಿಗೆ ಅನ್ವಯವಾಗುವುದಿಲ್ಲ ಅಥವಾ ನೀವು ಕಡಿತಗೊಳಿಸುವ ತೆರಿಗೆ ಅವರ ಒಟ್ಟಾರೆ ಆದಾಯಕ್ಕೆ ಸಂಬಂಧಿಸಿದಂತೆ ಹೆಚ್ಚಾಗುವುದಿದ್ದರೆ, ಅವರು ಸ್ಥಳೀಯ ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಯಿಂದ ‘ಫಾರ್ಮ್ 13’ ಪಡೆದುಕೊಳ್ಳಬಹುದು. ಇದರ ಆಧಾರದ ಮೇಲೆ ನೀವು ಶೂನ್ಯ ಅಥವಾ ಅದರಲ್ಲಿ ಉಲ್ಲೇಖಿಸಿಸುವ ತೆರಿಗೆ ದರದಂತೆ ಕಡಿಮೆ ಮೊತ್ತ ಕಡಿತಗೊಳಿಸಲು ಅವಕಾಶವಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಖರೀದಿ ಹಾಗೂ ಹಣ ಸಂದಾಯವಾದ ನಂತರ ಟ್ಯಾನ್ ಸಂಖ್ಯೆಯನ್ನು ರದ್ದುಗೊಳಿಸಲು ತೆರಿಗೆ ಇಲಾಖೆಗೆ ಮನವಿ ಸಲ್ಲಿಸಿ. ಇದಕ್ಕಾಗಿ ಸ್ಥಳೀಯ ತೆರಿಗೆ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸಿ ಅಗತ್ಯವಿರುವ ನೆರವು ಪಡೆದುಕೊಳ್ಳಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002Fb3cfd3db-3f41-4717-9724-9583b7f1c88d\u002Felement\u002F81403be9-b2eb-486c-8a36-76db5f8e6a29","type":"text","family-id":"3579c209-5221-4e6f-a071-2ef3aca2ba84","title":"","id":"81403be9-b2eb-486c-8a36-76db5f8e6a29","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003Eಹಣಕಾಸಿಗೆ ಸಂಬಂಧಿಸಿದ ಪ್ರಶ್ನೆಗಳನ್ನು ಪತ್ರದಲ್ಲಿ (ದೂರವಾಣಿ ಸಂಖ್ಯೆ ಸಹಿತ) ಬರೆದು ಕಳುಹಿಸಿ. ವಿಳಾಸ: ಪ್ರಶ್ನೋತ್ತರ, ವಾಣಿಜ್ಯ ವಿಭಾಗ, ಪ್ರಜಾವಾಣಿ, ನಂ.75, ಮಹಾತ್ಮ ಗಾಂಧಿ ರಸ್ತೆ,\u003Cbr\u003Eಬೆಂಗಳೂರು–560001.\u003C\u002Fp\u003E\u003Cp\u003Eಇ–ಮೇಲ್‌:businessdesk@prajavani.co.in\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1722359610338,"content-version-id":"25e1c7b5-d1c3-42ea-be34-c6756586e1cc","card-added-at":1722347163543,"status":"draft","id":"0b833e68-874e-44b9-bbc4-666302e38e0f","content-id":"0b833e68-874e-44b9-bbc4-666302e38e0f","version":9,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-07\u002F4b0e0d1f-079c-4b3f-b4f0-b46beb2e2ba6\u002Fimages.jpg","url":null,"attribution":null,"alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಸಾಂದರ್ಭಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"width":299,"height":168,"mime-type":"image\u002Fjpeg","file-size":9901,"file-name":"images.jpg","focus-point":[83,59]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fsolution-for-financial-and-tax-related-problem-an-expert-advice-2906554","story-version-id":"e4b62103-9ad3-40ad-9a69-c15e48eda73b","content-type":"story","content-updated-at":1722385800110,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1722385800000,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಸಾಂದರ್ಭಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":9,"story-template":"syndicated","sequence-no":null,"created-at":1722359610093,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ಪ್ರಶ್ನೋತ್ತರ"]},"imported-card-id":"0b833e68-874e-44b9-bbc4-666302e38e0f","card-share":{"shareable":false}},"publish-at":1722385800000,"assignee-name":"syndication"}},{"id":"3128051a-4c15-4d2b-9625-817652333440","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ | ನನಗೆ ಇಪಿಎಸ್ ಪಿಂಚಣಿ ದೊರೆಯುವುದೇ?"]},"story":{"updated-at":1727207620912,"seo":{"meta-keywords":["Finance","Question"],"meta-description":"ಹಣಕಾಸು ಹೂಡಿಕೆ, ತೆರಿಗೆ ಮುಂತಾದ ಪ್ರಶ್ನೆಗಳಿಗೆ ತೆರಿಗೆ ಮತ್ತು ವೈಯಕ್ತಿಕ ಹಣಕಾಸು ತಜ್ಞ ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ ಉತ್ತರ ನೀಡಿದ್ದಾರೆ.\n\n","claim-reviews":{"story":null}},"assignee-id":1754433,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5510713,"name":"Finance","meta-description":null,"meta-title":null,"slug":"finance","tag-type":"Tag"},{"id":5519479,"name":"Question","meta-description":null,"meta-title":null,"slug":"question","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ | ನನಗೆ ಇಪಿಎಸ್ ಪಿಂಚಣಿ ದೊರೆಯುವುದೇ?","storyline-id":null,"votes":{},"story-content-id":"3128051a-4c15-4d2b-9625-817652333440","slug":"business\u002Fprashnottara\u002Fpramod-sreekanth-daithota-answer-to-financial-questions-2888039","last-published-at":1721171454494,"public-identifier":"2888039","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1721170593774,"is-embargoed":false,"owner-name":"Venugopala K.","custom-slug":"pramod sreekanth daithota answer to financial 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ಹೂಡಿಕೆ, ತೆರಿಗೆ ಮುಂತಾದ ಪ್ರಶ್ನೆಗಳಿಗೆ \u003C\u002Fstrong\u003E\u003Cem\u003Eತೆರಿಗೆ ಮತ್ತು ವೈಯಕ್ತಿಕ ಹಣಕಾಸು ತಜ್ಞ ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ ಉತ್ತರ ನೀಡಿದ್ದಾರೆ.\u003C\u002Fem\u003E\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಶ್ನೆ ಕೇಳಿದವರು:\u003C\u002Fstrong\u003E ರಾಜು ಎಂ.ಎಸ್., ಬೆಂಗಳೂರು.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F3128051a-4c15-4d2b-9625-817652333440\u002Felement\u002Fce39213b-ab27-49df-9c66-3226e909bbdb","type":"text","family-id":"8127dfc1-38bf-41a6-b5d3-ce30e3f4feea","title":"","id":"ce39213b-ab27-49df-9c66-3226e909bbdb","metadata":{"question":"\u003Cp\u003E ನಾನು ಒಂದು ವರ್ಷದ ಹಿಂದೆ ಮನೆಯನ್ನು ಮಾರಾಟ ಮಾಡಿ ಬಂದ ಲಾಭದ ಮೇಲೆ ತೆರಿಗೆ ಉಳಿತಾಯಕ್ಕೆ ಸಂಬಂಧಿಸಿ ‘ಕ್ಯಾಪಿಟಲ್ ಗೈನ್ಸ್’ ಖಾತೆ ತೆರೆದು ತೆರಿಗೆ ವಿನಾಯಿತಿ ಪಡೆದಿದ್ದೆ. ಪ್ರಸ್ತುತ ನಾನು ಮೊದಲ ಹಂತದಲ್ಲಿ ನಿವೇಶನ ಖರೀದಿಸಿ ಮುಂದೆ ಮನೆಯನ್ನು ಕಟ್ಟಬೇಕೆಂದಿದ್ದೇನೆ. ಮನೆ ನಿರ್ಮಾಣಕ್ಕೆ ಸಂದಾಯವಾಗುವ ಹಣಕ್ಕಿಂತ ಅಧಿಕ ಮೊತ್ತ ಭೂಮಿಗೆ ಪಾವತಿಯಾಗುತ್ತಿದೆ. ಉಳಿದ ಹಣವನ್ನು ಮನೆ ಕಟ್ಟುವ ಕೆಲಸಕ್ಕೆ ಉಪಯೋಗಿಸಲಿದ್ದೇನೆ.ನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ, ಮನೆ ನಿರ್ಮಾಣವನ್ನು ತುಸು ಮುಂದೂಡಿ ಮೊದಲ ಹಂತದಲ್ಲಿ ಭೂಮಿ ಖರೀದಿಸಿ ಇಟ್ಟುಕೊಂಡು ಅವಕಾಶವಾದಾಗ ಮನೆ ನಿರ್ಮಿಸಲು ಇಚ್ಛಿಸಿದ್ದೇನೆ. ಇದರಿಂದ ಯಾವುದಾದರೂ ತೊಂದರೆ ಇದೆಯೇ? ಈ ಹಿಂದೆ ಪಡೆದ ತೆರಿಗೆ ವಿನಾಯಿತಿಗೆ ಯಾವುದಾದರೂ ತೊಡಕಾಗುತ್ತದೆಯೇ? ಈ ಬಗ್ಗೆ ನಾನು ಮುಂದೇನು ಮಾಡಬಹುದು?\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ ಹಿಂದಿನ ವರ್ಷದಲ್ಲಿ ನಿಮ್ಮ ಮನೆ ಮಾರಾಟ ಮಾಡಿ ಅದೇ ಸಂದರ್ಭದಲ್ಲಿ ‘ಕ್ಯಾಪಿಟಲ್ ಗೈನ್ಸ್’ ಅಕೌಂಟ್ ತೆರೆದು ತೆರಿಗೆ ವಿನಾಯಿತಿ ಪಡೆದಿದ್ದೀರಿ. ಈ ಖಾತೆಯಲ್ಲಿ ಹಣ ಹೂಡಿಕೆ ಮಾಡಿದ್ದ ಸನ್ನಿವೇಶಗಳಲ್ಲಿ ತೆರಿಗೆದಾರರಿಗೆ ಒಂದಿಷ್ಟು ಸಮಯ ತಮ್ಮ ಮುಂದಿನ ಯೋಜನೆಯನ್ನು ನಿರೂಪಿಸಿ ಖಾತೆಯಲ್ಲಿ ಇರುವ ಹಣವನ್ನು ತೆರಿಗೆ ಉಳಿತಾಯಕ್ಕಿರುವ ನಿಯಮದಂತೆ ಉಪಯೋಗಿಸಿಕೊಳ್ಳಲು ಅವಕಾಶ ಮಾಡಿಕೊಡುತ್ತದೆ.  \u003C\u002Fp\u003E\u003Cp\u003Eಇದರಂತೆ ನಿಮ್ಮ ಮೂಲ ಆಸ್ತಿ ಮಾರಾಟವಾದ ಸಂದರ್ಭದಿಂದ ಎರಡು ವರ್ಷದೊಳಗೆ ಹೊಸದೊಂದು ಮನೆ ಖರೀದಿಸಿರಬೇಕು ಅಥವಾ ಮೂರು ವರ್ಷದೊಳಗೆ ಮನೆ ಕಟ್ಟಿಸಿರಬೇಕು. ಒಂದು ವೇಳೆ ಇದು ಯಾವುದೂ ಕಾರ್ಯಗತ ಮಾಡಿರದ ಸನ್ನಿವೇಶದಲ್ಲಿ ಮೂಲ ಮನೆಯ ಮಾರಾಟದ ಸಂದರ್ಭದಲ್ಲಿ ನೀಡಲಾಗಿದ್ದ ವಿನಾಯಿತಿಯನ್ನು ರದ್ದುಗೊಳಿಸಿ ಹಿಂದೆ ನೀಡಲಾದ ವಿನಾಯಿತಿಯನ್ನು ಮೂರು ವರ್ಷದ ಸಮಯ ಪರಿಮಿತಿ ಕಳೆದೊಡನೆ ದೀರ್ಘಾವಧಿ ಬಂಡವಾಳ ಲಾಭವೆಂದು ಪರಿಗಣಿಸಿ ತೆರಿಗೆಗೆ ಒಳಪಡಿಸಲಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಹೀಗಾಗಿ, ನಿಮ್ಮ ಮೊದಲ ಹಂತದ ಯೋಜನೆ ಕೇವಲ ಭೂಮಿ ಖರೀದಿಸುವುದು ಹಾಗೂ ಅವಕಾಶ ಬಂದಾಗ ಮುಂದೆ ಮನೆ ಕಟ್ಟುವ ದೀರ್ಘಾವಧಿ ಯೋಜನೆ ಇದ್ದರೂ, ಅದು ತೆರಿಗೆ ನಿಯಮಗಳ ಅನ್ವಯ ಸಮಯ ಪರಿಮಿತಿ ಮೀರಿದಾಗ ಈಗಾಗಲೇ ಪಡೆದ ವಿನಾಯಿತಿಯು ತಾತ್ಕಾಲಿಕವಾಗುತ್ತದೆ. ತೆರಿಗೆ ನಿಯಮದ ಅನ್ವಯ ಕೇವಲ ಭೂಮಿ ಖರೀದಿಗಾಗಿ ಅಥವಾ ಭೂಮಿಯಲ್ಲಿ ಹೂಡಿಕೆಗಾಗಿ ಯಾವುದೇ ವಿನಾಯಿತಿ ಇರುವುದಿಲ್ಲ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಮನೆ ಮಾರಾಟ ಮಾಡಿ ಮನೆ ಖರೀದಿಸುವುದರಿಂದ ಸೆಕ್ಷನ್ 54ರ ಅಡಿ ವಿನಾಯಿತಿ ಪಡೆದಿರುತ್ತೀರಿ. ಇಲ್ಲಿ ಗಮನಿಸಬೇಕಾದ ಅಂಶವೇನೆಂದರೆ, ತೆರಿಗೆದಾರರಲ್ಲಿ ಹೊಸ ಮನೆ ನಿರ್ಮಾಣ- ಖರೀದಿಗೆ ಉತ್ತೇಜನ ನೀಡುವುದಾಗಿದೆಯೇ ಹೊರತು, ಕೇವಲ ಮರು ಹೂಡಿಕೆಯ ದೃಷ್ಟಿಯಿಂದ ಕೈಗೊಳ್ಳುವ ಭೂ ವ್ಯವಹಾರಗಳಿಗೆ ತೆರಿಗೆ ವಿನಾಯಿತಿ ನೀಡುವುದಲ್ಲ.\u003C\u002Fp\u003E\u003Cp\u003Eಹೊಸ ಮನೆ ಖರೀದಿಗೆ ಉತ್ತೇಜನ ನೀಡಿದಾಗ ಪರೋಕ್ಷವಾಗಿ ದೇಶದ ಆರ್ಥಿಕತೆಗೂ ಸಹಕಾರಿಯಾಗುತ್ತದೆ ಎಂಬುದು ಇದರ ಹಿಂದಿನ ಅಲಿಖಿತ ಆಶಯ. ಒಂದು ವೇಳೆ ನಿಮ್ಮ ಖಾತೆಯಲ್ಲಿ ಮಾಡಲಾದ ಹೂಡಿಕೆಯನ್ನು ಯಾವುದೇ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳದೆ ಹಾಗೆಯೇ ಇಟ್ಟರೂ ಉದ್ದೇಶಿತ ಗುರಿ ಈಡೇರದ ಕಾರಣ ತೆರಿಗೆ ಕಟ್ಟಿಯೇ ಹಣ ಹಿಂಪಡೆಯಬೇಕಾಗುತ್ತದೆ. ಅದಕ್ಕೂ ನೀವು ತೆರಿಗೆ ಪಾವತಿಸಿರುವ ದಾಖಲೆಗಳನ್ನು ನೀಡಬೇಕಾಗುತ್ತದೆ. ಹೀಗಾಗಿ, ನಿಮ್ಮ ಯೋಜನೆಯನ್ನು ಈ ವಿಚಾರಗಳ ಸುತ್ತ ಮರು ಪರಿಶೀಲನೆ ಮಾಡಬೇಕು ಹಾಗೂ ಸಮಯದ ಪರಿಧಿಯೊಳಗೆ ಮನೆ ನಿರ್ಮಾಣ ಪೂರೈಸಿ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003E ನಾನು ಒಂದು ವರ್ಷದ ಹಿಂದೆ ಮನೆಯನ್ನು ಮಾರಾಟ ಮಾಡಿ ಬಂದ ಲಾಭದ ಮೇಲೆ ತೆರಿಗೆ ಉಳಿತಾಯಕ್ಕೆ ಸಂಬಂಧಿಸಿ ‘ಕ್ಯಾಪಿಟಲ್ ಗೈನ್ಸ್’ ಖಾತೆ ತೆರೆದು ತೆರಿಗೆ ವಿನಾಯಿತಿ ಪಡೆದಿದ್ದೆ. ಪ್ರಸ್ತುತ ನಾನು ಮೊದಲ ಹಂತದಲ್ಲಿ ನಿವೇಶನ ಖರೀದಿಸಿ ಮುಂದೆ ಮನೆಯನ್ನು ಕಟ್ಟಬೇಕೆಂದಿದ್ದೇನೆ. ಮನೆ ನಿರ್ಮಾಣಕ್ಕೆ ಸಂದಾಯವಾಗುವ ಹಣಕ್ಕಿಂತ ಅಧಿಕ ಮೊತ್ತ ಭೂಮಿಗೆ ಪಾವತಿಯಾಗುತ್ತಿದೆ. ಉಳಿದ ಹಣವನ್ನು ಮನೆ ಕಟ್ಟುವ ಕೆಲಸಕ್ಕೆ ಉಪಯೋಗಿಸಲಿದ್ದೇನೆ.ನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ, ಮನೆ ನಿರ್ಮಾಣವನ್ನು ತುಸು ಮುಂದೂಡಿ ಮೊದಲ ಹಂತದಲ್ಲಿ ಭೂಮಿ ಖರೀದಿಸಿ ಇಟ್ಟುಕೊಂಡು ಅವಕಾಶವಾದಾಗ ಮನೆ ನಿರ್ಮಿಸಲು ಇಚ್ಛಿಸಿದ್ದೇನೆ. ಇದರಿಂದ ಯಾವುದಾದರೂ ತೊಂದರೆ ಇದೆಯೇ? ಈ ಹಿಂದೆ ಪಡೆದ ತೆರಿಗೆ ವಿನಾಯಿತಿಗೆ ಯಾವುದಾದರೂ ತೊಡಕಾಗುತ್ತದೆಯೇ? ಈ ಬಗ್ಗೆ ನಾನು ಮುಂದೇನು ಮಾಡಬಹುದು?\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ ಹಿಂದಿನ ವರ್ಷದಲ್ಲಿ ನಿಮ್ಮ ಮನೆ ಮಾರಾಟ ಮಾಡಿ ಅದೇ ಸಂದರ್ಭದಲ್ಲಿ ‘ಕ್ಯಾಪಿಟಲ್ ಗೈನ್ಸ್’ ಅಕೌಂಟ್ ತೆರೆದು ತೆರಿಗೆ ವಿನಾಯಿತಿ ಪಡೆದಿದ್ದೀರಿ. ಈ ಖಾತೆಯಲ್ಲಿ ಹಣ ಹೂಡಿಕೆ ಮಾಡಿದ್ದ ಸನ್ನಿವೇಶಗಳಲ್ಲಿ ತೆರಿಗೆದಾರರಿಗೆ ಒಂದಿಷ್ಟು ಸಮಯ ತಮ್ಮ ಮುಂದಿನ ಯೋಜನೆಯನ್ನು ನಿರೂಪಿಸಿ ಖಾತೆಯಲ್ಲಿ ಇರುವ ಹಣವನ್ನು ತೆರಿಗೆ ಉಳಿತಾಯಕ್ಕಿರುವ ನಿಯಮದಂತೆ ಉಪಯೋಗಿಸಿಕೊಳ್ಳಲು ಅವಕಾಶ ಮಾಡಿಕೊಡುತ್ತದೆ.  \u003C\u002Fp\u003E\u003Cp\u003Eಇದರಂತೆ ನಿಮ್ಮ ಮೂಲ ಆಸ್ತಿ ಮಾರಾಟವಾದ ಸಂದರ್ಭದಿಂದ ಎರಡು ವರ್ಷದೊಳಗೆ ಹೊಸದೊಂದು ಮನೆ ಖರೀದಿಸಿರಬೇಕು ಅಥವಾ ಮೂರು ವರ್ಷದೊಳಗೆ ಮನೆ ಕಟ್ಟಿಸಿರಬೇಕು. ಒಂದು ವೇಳೆ ಇದು ಯಾವುದೂ ಕಾರ್ಯಗತ ಮಾಡಿರದ ಸನ್ನಿವೇಶದಲ್ಲಿ ಮೂಲ ಮನೆಯ ಮಾರಾಟದ ಸಂದರ್ಭದಲ್ಲಿ ನೀಡಲಾಗಿದ್ದ ವಿನಾಯಿತಿಯನ್ನು ರದ್ದುಗೊಳಿಸಿ ಹಿಂದೆ ನೀಡಲಾದ ವಿನಾಯಿತಿಯನ್ನು ಮೂರು ವರ್ಷದ ಸಮಯ ಪರಿಮಿತಿ ಕಳೆದೊಡನೆ ದೀರ್ಘಾವಧಿ ಬಂಡವಾಳ ಲಾಭವೆಂದು ಪರಿಗಣಿಸಿ ತೆರಿಗೆಗೆ ಒಳಪಡಿಸಲಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಹೀಗಾಗಿ, ನಿಮ್ಮ ಮೊದಲ ಹಂತದ ಯೋಜನೆ ಕೇವಲ ಭೂಮಿ ಖರೀದಿಸುವುದು ಹಾಗೂ ಅವಕಾಶ ಬಂದಾಗ ಮುಂದೆ ಮನೆ ಕಟ್ಟುವ ದೀರ್ಘಾವಧಿ ಯೋಜನೆ ಇದ್ದರೂ, ಅದು ತೆರಿಗೆ ನಿಯಮಗಳ ಅನ್ವಯ ಸಮಯ ಪರಿಮಿತಿ ಮೀರಿದಾಗ ಈಗಾಗಲೇ ಪಡೆದ ವಿನಾಯಿತಿಯು ತಾತ್ಕಾಲಿಕವಾಗುತ್ತದೆ. ತೆರಿಗೆ ನಿಯಮದ ಅನ್ವಯ ಕೇವಲ ಭೂಮಿ ಖರೀದಿಗಾಗಿ ಅಥವಾ ಭೂಮಿಯಲ್ಲಿ ಹೂಡಿಕೆಗಾಗಿ ಯಾವುದೇ ವಿನಾಯಿತಿ ಇರುವುದಿಲ್ಲ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಮನೆ ಮಾರಾಟ ಮಾಡಿ ಮನೆ ಖರೀದಿಸುವುದರಿಂದ ಸೆಕ್ಷನ್ 54ರ ಅಡಿ ವಿನಾಯಿತಿ ಪಡೆದಿರುತ್ತೀರಿ. ಇಲ್ಲಿ ಗಮನಿಸಬೇಕಾದ ಅಂಶವೇನೆಂದರೆ, ತೆರಿಗೆದಾರರಲ್ಲಿ ಹೊಸ ಮನೆ ನಿರ್ಮಾಣ- ಖರೀದಿಗೆ ಉತ್ತೇಜನ ನೀಡುವುದಾಗಿದೆಯೇ ಹೊರತು, ಕೇವಲ ಮರು ಹೂಡಿಕೆಯ ದೃಷ್ಟಿಯಿಂದ ಕೈಗೊಳ್ಳುವ ಭೂ ವ್ಯವಹಾರಗಳಿಗೆ ತೆರಿಗೆ ವಿನಾಯಿತಿ ನೀಡುವುದಲ್ಲ.\u003C\u002Fp\u003E\u003Cp\u003Eಹೊಸ ಮನೆ ಖರೀದಿಗೆ ಉತ್ತೇಜನ ನೀಡಿದಾಗ ಪರೋಕ್ಷವಾಗಿ ದೇಶದ ಆರ್ಥಿಕತೆಗೂ ಸಹಕಾರಿಯಾಗುತ್ತದೆ ಎಂಬುದು ಇದರ ಹಿಂದಿನ ಅಲಿಖಿತ ಆಶಯ. ಒಂದು ವೇಳೆ ನಿಮ್ಮ ಖಾತೆಯಲ್ಲಿ ಮಾಡಲಾದ ಹೂಡಿಕೆಯನ್ನು ಯಾವುದೇ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳದೆ ಹಾಗೆಯೇ ಇಟ್ಟರೂ ಉದ್ದೇಶಿತ ಗುರಿ ಈಡೇರದ ಕಾರಣ ತೆರಿಗೆ ಕಟ್ಟಿಯೇ ಹಣ ಹಿಂಪಡೆಯಬೇಕಾಗುತ್ತದೆ. ಅದಕ್ಕೂ ನೀವು ತೆರಿಗೆ ಪಾವತಿಸಿರುವ ದಾಖಲೆಗಳನ್ನು ನೀಡಬೇಕಾಗುತ್ತದೆ. ಹೀಗಾಗಿ, ನಿಮ್ಮ ಯೋಜನೆಯನ್ನು ಈ ವಿಚಾರಗಳ ಸುತ್ತ ಮರು ಪರಿಶೀಲನೆ ಮಾಡಬೇಕು ಹಾಗೂ ಸಮಯದ ಪರಿಧಿಯೊಳಗೆ ಮನೆ ನಿರ್ಮಾಣ ಪೂರೈಸಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F3128051a-4c15-4d2b-9625-817652333440\u002Felement\u002Ff6fe2ed4-d1cd-4288-b7df-70178cea8d67","type":"text","family-id":"87b1ca83-31ac-493f-9554-011569f9651f","title":"","id":"f6fe2ed4-d1cd-4288-b7df-70178cea8d67","metadata":{},"subtype":null,"text":" \u003Cp\u003E\u003Cstrong\u003Eಪ್ರಶ್ನೆ ಕೇಳಿದವರು: \u003C\u002Fstrong\u003Eಶಂಕರ್, ಮೈಸೂರು.\u003C\u002Fp\u003E "},{"description":"","page-url":"\u002Fstory\u002F3128051a-4c15-4d2b-9625-817652333440\u002Felement\u002Fe91e3176-99d9-4c1f-89ff-971e864dd96b","type":"text","family-id":"9833e88e-4933-4983-8c5c-e43658dcf0f1","title":"","id":"e91e3176-99d9-4c1f-89ff-971e864dd96b","metadata":{"question":"\u003Cp\u003Eನಾನು ಬಹುರಾಷ್ಟ್ರೀಯ ಐ.ಟಿ ಕಂಪನಿಯಲ್ಲಿ ಒಂಬತ್ತು ವರ್ಷ ಏಳು ತಿಂಗಳ ಕಾಲ ಕೆಲಸ ನಿರ್ವಹಿಸಿ ನಂತರದಲ್ಲಿ ಸರ್ಕಾರಿ ಕೆಲಸಕ್ಕೆ ಸೇರಿದ್ದೇನೆ. ಮೊದಲ ಕೆಲಸದ ಸಮಯದಲ್ಲಿ ಒಂಬತ್ತು ವರ್ಷ ಆರು ತಿಂಗಳಿಗಿಂತ ಹೆಚ್ಚು ಕಾರ್ಯ ನಿರ್ವಹಿಸಿರುವುದರಿಂದ ಇಪಿಎಸ್ ಅರ್ಹನಾಗಿದ್ದೇನೆ. ಈಗ ಸರ್ಕಾರಿ ನೌಕರಿಗೆ ಸೇರಿರುವುದರಿಂದ ಅಲ್ಲಿಯೂ ಎನ್‌ಪಿಎಸ್ ದೊರೆಯುತ್ತದೆ. ಇದರಿಂದ ನನಗೆ ಇಪಿಎಸ್ ಪಿಂಚಣಿ ದೊರೆಯುವುದೇ? ಒಂದು ವೇಳೆ ದೊರೆಯದಿದ್ದರೆ ಇಪಿಎಸ್ ಮೊತ್ತ ಹಿಂಪಡೆಯಬಹುದೇ?\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನೀವು ಈಗಾಗಲೇ ಸರ್ಕಾರಿ ಉದ್ಯೋಗಕ್ಕೆ ಸೇರಿದ್ದು ಅಲ್ಲಿ ನಿವೃತ್ತಿ ಸಂಬಂಧಿತ ಯೋಜನೆ ಹಾಗೂ ಅದಕ್ಕೆ ಪಾವತಿಗಳು ಪ್ರತ್ಯೇಕವಾದ ಎನ್‌ಪಿಎಸ್ ಅಡಿ ನಡೆಯುತ್ತಿದೆ ಎಂದು ತಿಳಿಸಿದ್ದೀರಿ. ನಿಮ್ಮ ಹಿಂದಿನ ಸಂಸ್ಥೆಯ ಸೇವೆಯ ಆಧಾರದ ಮೇಲೆ ನೀವು ಈಗಾಗಲೇ ಪಿಂಚಣಿಗೆ ಅರ್ಹರಾಗಲು ಅಗತ್ಯವಿರುವ ಕನಿಷ್ಠ ಸೇವಾವಧಿಯಾದ ಹತ್ತು ವರ್ಷ ಪೂರೈಸಿರುವುದರಿಂದ ನೀವು ಪಿಂಚಣಿಗೆ ಅರ್ಹರು.\u003C\u002Fp\u003E\u003Cp\u003Eನೌಕರರ ಪಿಂಚಣಿ ಯೋಜನೆಯಡಿ ಹತ್ತು ವರ್ಷ ಸೇವಾವಧಿ ಪೂರೈಸಿದ ನಂತರ ಅವಧಿಗೂ ಮುನ್ನ ಪಿಂಚಣಿ ಪಡೆಯಲು ಅವಕಾಶವಿಲ್ಲ. ಆದರೆ, 50 ವರ್ಷ ಪೂರ್ತಿಯಾದ ನಂತರ 58 ವರ್ಷಕ್ಕೂ ಮೊದಲು, ಅವಧಿಗೂ ಮುನ್ನ ಪಿಂಚಣಿ ಪಡೆಯಲು ಅವಕಾಶವಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003E58 ವಯಸ್ಸು ಪೂರ್ತಿಯಾದ ನಂತರ ಖಾತೆದಾರರು ಸಹಜವಾಗಿ ಪೂರ್ಣ ಪ್ರಮಾಣದ ಪಿಂಚಣಿ ಪಡೆಯಲು ಅರ್ಹರು. ಸಂದರ್ಭದಲ್ಲಿ ಅವಧಿಗೂ ಮುನ್ನ, ಎಷ್ಟು ವರ್ಷ ಪೂರ್ವಭಾವಿಯಾಗಿ ಪಿಂಚಣಿ ಪಡೆಯುತ್ತೀರೋ ಅದಕ್ಕೆ ಅನುಗುಣವಾಗಿ ಪಿಂಚಣಿಯ ಪ್ರಮಾಣವೂ ಕಡಿಮೆಯಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಪಿಂಚಣಿ ಖಾತೆದಾರರು ಪಿಂಚಣಿಗಾಗಿ ತಮ್ಮ ಕನಿಷ್ಠ ಸೇವಾವಧಿ ಪೂರೈಸದಿದ್ದ ಸಂದರ್ಭದಲ್ಲಿ ಮಾತ್ರ ಈಗಾಗಲೇ ಪಾವತಿಸಿರುವ ಮೊತ್ತ ಹಿಂಪಡೆಯಲು ಸಾಧ್ಯವಿದೆ. ನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ಇದು 9 ವರ್ಷ 6 ತಿಂಗಳಿಗಿಂತ ಹೆಚ್ಚಿರುವ ಕಾರಣ ಹತ್ತು ವರ್ಷ ಸೇವಾವಧಿಗೆ ಸಮ. ಹೀಗಾಗಿ, ಮುಂದಿನ ಕೆಲವು ವರ್ಷ ನೀವು ಕಾಯಬೇಕಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003E\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಬಹುರಾಷ್ಟ್ರೀಯ ಐ.ಟಿ ಕಂಪನಿಯಲ್ಲಿ ಒಂಬತ್ತು ವರ್ಷ ಏಳು ತಿಂಗಳ ಕಾಲ ಕೆಲಸ ನಿರ್ವಹಿಸಿ ನಂತರದಲ್ಲಿ ಸರ್ಕಾರಿ ಕೆಲಸಕ್ಕೆ ಸೇರಿದ್ದೇನೆ. ಮೊದಲ ಕೆಲಸದ ಸಮಯದಲ್ಲಿ ಒಂಬತ್ತು ವರ್ಷ ಆರು ತಿಂಗಳಿಗಿಂತ ಹೆಚ್ಚು ಕಾರ್ಯ ನಿರ್ವಹಿಸಿರುವುದರಿಂದ ಇಪಿಎಸ್ ಅರ್ಹನಾಗಿದ್ದೇನೆ. ಈಗ ಸರ್ಕಾರಿ ನೌಕರಿಗೆ ಸೇರಿರುವುದರಿಂದ ಅಲ್ಲಿಯೂ ಎನ್‌ಪಿಎಸ್ ದೊರೆಯುತ್ತದೆ. ಇದರಿಂದ ನನಗೆ ಇಪಿಎಸ್ ಪಿಂಚಣಿ ದೊರೆಯುವುದೇ? ಒಂದು ವೇಳೆ ದೊರೆಯದಿದ್ದರೆ ಇಪಿಎಸ್ ಮೊತ್ತ ಹಿಂಪಡೆಯಬಹುದೇ?\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನೀವು ಈಗಾಗಲೇ ಸರ್ಕಾರಿ ಉದ್ಯೋಗಕ್ಕೆ ಸೇರಿದ್ದು ಅಲ್ಲಿ ನಿವೃತ್ತಿ ಸಂಬಂಧಿತ ಯೋಜನೆ ಹಾಗೂ ಅದಕ್ಕೆ ಪಾವತಿಗಳು ಪ್ರತ್ಯೇಕವಾದ ಎನ್‌ಪಿಎಸ್ ಅಡಿ ನಡೆಯುತ್ತಿದೆ ಎಂದು ತಿಳಿಸಿದ್ದೀರಿ. ನಿಮ್ಮ ಹಿಂದಿನ ಸಂಸ್ಥೆಯ ಸೇವೆಯ ಆಧಾರದ ಮೇಲೆ ನೀವು ಈಗಾಗಲೇ ಪಿಂಚಣಿಗೆ ಅರ್ಹರಾಗಲು ಅಗತ್ಯವಿರುವ ಕನಿಷ್ಠ ಸೇವಾವಧಿಯಾದ ಹತ್ತು ವರ್ಷ ಪೂರೈಸಿರುವುದರಿಂದ ನೀವು ಪಿಂಚಣಿಗೆ ಅರ್ಹರು.\u003C\u002Fp\u003E\u003Cp\u003Eನೌಕರರ ಪಿಂಚಣಿ ಯೋಜನೆಯಡಿ ಹತ್ತು ವರ್ಷ ಸೇವಾವಧಿ ಪೂರೈಸಿದ ನಂತರ ಅವಧಿಗೂ ಮುನ್ನ ಪಿಂಚಣಿ ಪಡೆಯಲು ಅವಕಾಶವಿಲ್ಲ. ಆದರೆ, 50 ವರ್ಷ ಪೂರ್ತಿಯಾದ ನಂತರ 58 ವರ್ಷಕ್ಕೂ ಮೊದಲು, ಅವಧಿಗೂ ಮುನ್ನ ಪಿಂಚಣಿ ಪಡೆಯಲು ಅವಕಾಶವಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003E58 ವಯಸ್ಸು ಪೂರ್ತಿಯಾದ ನಂತರ ಖಾತೆದಾರರು ಸಹಜವಾಗಿ ಪೂರ್ಣ ಪ್ರಮಾಣದ ಪಿಂಚಣಿ ಪಡೆಯಲು ಅರ್ಹರು. ಸಂದರ್ಭದಲ್ಲಿ ಅವಧಿಗೂ ಮುನ್ನ, ಎಷ್ಟು ವರ್ಷ ಪೂರ್ವಭಾವಿಯಾಗಿ ಪಿಂಚಣಿ ಪಡೆಯುತ್ತೀರೋ ಅದಕ್ಕೆ ಅನುಗುಣವಾಗಿ ಪಿಂಚಣಿಯ ಪ್ರಮಾಣವೂ ಕಡಿಮೆಯಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಪಿಂಚಣಿ ಖಾತೆದಾರರು ಪಿಂಚಣಿಗಾಗಿ ತಮ್ಮ ಕನಿಷ್ಠ ಸೇವಾವಧಿ ಪೂರೈಸದಿದ್ದ ಸಂದರ್ಭದಲ್ಲಿ ಮಾತ್ರ ಈಗಾಗಲೇ ಪಾವತಿಸಿರುವ ಮೊತ್ತ ಹಿಂಪಡೆಯಲು ಸಾಧ್ಯವಿದೆ. ನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ಇದು 9 ವರ್ಷ 6 ತಿಂಗಳಿಗಿಂತ ಹೆಚ್ಚಿರುವ ಕಾರಣ ಹತ್ತು ವರ್ಷ ಸೇವಾವಧಿಗೆ ಸಮ. ಹೀಗಾಗಿ, ಮುಂದಿನ ಕೆಲವು ವರ್ಷ ನೀವು ಕಾಯಬೇಕಾಗುತ್ತದೆ.\u003C\u002Fp\u003E \u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F3128051a-4c15-4d2b-9625-817652333440\u002Felement\u002F486e7a51-881b-42a9-9684-70a8b6c57671","type":"text","family-id":"76990b32-11b1-4788-a116-7c9ee62a1e55","title":"","id":"486e7a51-881b-42a9-9684-70a8b6c57671","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003Eಹಣಕಾಸಿಗೆ ಸಂಬಂಧಿಸಿದ ಪ್ರಶ್ನೆಗಳನ್ನು ಪತ್ರದಲ್ಲಿ (ದೂರವಾಣಿ ಸಂಖ್ಯೆ ಸಹಿತ) ಬರೆದು ಕಳುಹಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eವಿಳಾಸ: ಪ್ರಶ್ನೋತ್ತರ, ವಾಣಿಜ್ಯ ವಿಭಾಗ, ಪ್ರಜಾವಾಣಿ, ನಂ.75, ಮಹಾತ್ಮ ಗಾಂಧಿ ರಸ್ತೆ, ಬೆಂಗಳೂರು–560001.\u003C\u002Fp\u003E\u003Cp\u003Eಇ–ಮೇಲ್‌: businessdesk@prajavani.co.in\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1727207619524,"content-version-id":"202c76db-479c-4764-8e0a-1dc2acbc1dc4","card-added-at":1721170593784,"status":"draft","id":"50e96040-b903-45af-b93e-306d9ba0efea","content-id":"50e96040-b903-45af-b93e-306d9ba0efea","version":18,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ | ನನಗೆ ಇಪಿಎಸ್ ಪಿಂಚಣಿ ದೊರೆಯುವುದೇ?","message":null,"image":{"key":"prajavani\u002F2024-07\u002Fcdced727-5063-4e39-bdf8-2bde86894ff2\u002Fdownload.jpg","url":null,"attribution":null,"alt-text":null,"caption":null,"metadata":{"width":300,"height":168,"mime-type":"image\u002Fjpeg","file-size":7010,"file-name":"download.jpg","focus-point":[182,58]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fpramod-sreekanth-daithota-answer-to-financial-questions-2888039","story-version-id":"3607e45f-6d85-4e43-a5f2-f5724a71dc93","content-type":"story","content-updated-at":1727207623113,"author-id":1749710,"owner-id":1754433,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1721171454494,"hero-image-caption":null,"version":18,"story-template":"text","sequence-no":null,"created-at":1727207619514,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"card-share":{"shareable":false}},"publish-at":null,"assignee-name":"Venugopala K."}},{"id":"67b31b9b-8b3a-43f4-89ee-40c2ace848aa","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ | ತೆರಿಗೆ ಉಳಿತಾಯಕ್ಕಾಗಿ ಇರುವ ಸುಲಭೋಪಾಯಗಳು ಯಾವುವು?"]},"story":{"updated-at":1720593148399,"seo":{"meta-keywords":["Financial advice","Tax"],"meta-description":"ನಿಮ್ಮ ಆದ್ಯತೆಯ ಮನೆಯ ಬಗೆಗಿನ ಹಣಕಾಸು ವಿಚಾರವು ಸರಿದೂಗಿದ ನಂತರ ಈ ಮೊತ್ತ ಹೆಚ್ಚಿಸುವತ್ತ ಗಮನ ನೀಡಿ. ಮುಂದೆ ಇದು ನಿಮ್ಮ ಹಣಕಾಸಿನ ಭದ್ರತೆಗೆ ನೆರವಾಗುತ್ತದೆ. ಅಲ್ಲದೆ, ಇತ್ತೀಚೆಗೆ ಬಹಳಷ್ಟು ಹೊಸ ಫಂಡ್‌ಗಳು (ಎನ್‌ಎಫ್‌ಒ) ಹೂಡಿಕೆಗೆ ಅವಕಾಶ ಕಲ್ಪಿಸಿ ಕೊಡುತ್ತಿವೆ.","claim-reviews":{"story":null}},"assignee-id":1792297,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5510997,"name":"Tax","meta-description":null,"meta-title":null,"slug":"tax","tag-type":"Tag"},{"id":5514883,"name":"Financial advice","meta-description":null,"meta-title":null,"slug":"financial-advice","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ | ತೆರಿಗೆ ಉಳಿತಾಯಕ್ಕಾಗಿ ಇರುವ ಸುಲಭೋಪಾಯಗಳು ಯಾವುವು?","storyline-id":null,"votes":{},"story-content-id":"67b31b9b-8b3a-43f4-89ee-40c2ace848aa","slug":"business\u002Fprashnottara\u002Fwhat-are-the-tax-saving-benefits-here-is-the-expert-answer-2878464","last-published-at":1720564020000,"public-identifier":"2878464","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":3,"access-level-value":null,"content-created-at":1720544301195,"is-embargoed":false,"owner-name":"Pavitra Bhat","custom-slug":"What are the tax saving benefits here is the expert answer","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"width":1170,"height":1200,"mime-type":"image\u002Fjpeg","file-size":236462,"file-name":"file7ov8hqunm3m60f9oh6u.jpg","focus-point":[585,600]},"comments":null,"word-count":555,"story-features":{"push-notification":{"is-scheduled":false,"publish-at":null}},"entities":{},"published-at":1720564020000,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"last-correction-published-at":1720593149926,"summary":null,"push-notification-title":null,"external-id":null,"canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"67b31b9b-8b3a-43f4-89ee-40c2ace848aa","hero-image-s3-key":"prajavani\u002F2024-07\u002F72218762-e4d1-446f-ba54-8a8ccf53f3da\u002Ffile7ov8hqunm3m60f9oh6u.jpg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F67b31b9b-8b3a-43f4-89ee-40c2ace848aa\u002Felement\u002F71813b02-f9d3-4c12-a034-90951f199d3f","type":"text","family-id":"1c669232-c5b1-4d88-bd5e-87010f37ce9f","title":"","id":"71813b02-f9d3-4c12-a034-90951f199d3f","metadata":{},"subtype":null,"text":"\u003Cp\u003Eತೆರಿಗೆ ಉಳಿತಾಯಕ್ಕಾಗಿ ಇರುವ ಸುಲಭೋಪಾಯಗಳು ಯಾವುವು?\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F67b31b9b-8b3a-43f4-89ee-40c2ace848aa\u002Felement\u002F102e1a36-65ea-41b8-9687-729f2bde5c78","type":"text","family-id":"be40d666-0631-47ac-82df-e7232ace8db7","title":"","id":"102e1a36-65ea-41b8-9687-729f2bde5c78","metadata":{},"subtype":"question","text":"\u003Cp\u003Eನಾನು ಕೇಂದ್ರ ಸರ್ಕಾರದ ಪಿಂಚಣಿದಾರ ನಾಗಿದ್ದು, ನನಗೆ 68 ವರ್ಷ. 2023-24ನೇ ಸಾಲಿನಲ್ಲಿ ನನ್ನ ಪಿಂಚಣಿ ಆದಾಯ ₹5,06,864 ಹಾಗೂ ಬಡ್ಡಿ ಆದಾಯ ₹4,32,110 ಆಗಿದೆ. ಹೀಗೆ ಒಟ್ಟಾರೆ ಆದಾಯ ₹9,38,974. ಹಳೆಯ ಮತ್ತು ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿ ಅಡಿಯಲ್ಲಿ ತೆರಿಗೆ ಹೊಣೆಗಾರಿಕೆ ಮತ್ತು ಯಾವುದೇ ರಿಯಾಯಿತಿ\u002Fಕಡಿತದ ಬಗ್ಗೆ ದಯವಿಟ್ಟು ನನಗೆ ತಿಳಿಸಿ\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F67b31b9b-8b3a-43f4-89ee-40c2ace848aa\u002Felement\u002F858ec5f8-89c8-4d04-99e9-7f1ef9a71292","type":"text","family-id":"38903813-3507-4bb0-a235-d65ed3a786ad","title":"","id":"858ec5f8-89c8-4d04-99e9-7f1ef9a71292","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಚಂದ್ರಶೇಖರ್ ಕೆ.ಎನ್., ಊರು ಹೆಸರಿಸಿಲ್ಲ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F67b31b9b-8b3a-43f4-89ee-40c2ace848aa\u002Felement\u002F78a0b272-112f-4d23-96c0-3aa1330d3cca","type":"text","family-id":"048bc73c-9de0-4cae-8e40-40518099f1a4","title":"","id":"78a0b272-112f-4d23-96c0-3aa1330d3cca","metadata":{},"subtype":"answer","text":"\u003Cp\u003Eನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ ನಿಮ್ಮ ಆದಾಯಕ್ಕೆ ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿ ಆಯ್ಕೆಯು ಉತ್ತಮವಾಗಿದೆ. ಇದರಂತೆ ಸುಮಾರು ₹45,653 ತೆರಿಗೆ ಪಾವತಿಸಬೇಕಾಗುತ್ತದೆ. ನಿಮಗೆ ಬರುವ ಬಡ್ಡಿ ಆದಾಯ ಒಂದೇ ಬ್ಯಾಂಕ್‌ನಿಂದ ₹50,000ಕ್ಕೂ ಮೀರಿ ಜಮೆ ಆಗಿದ್ದರೆ ಈಗಾಗಲೇ ಶೇ 10ರಷ್ಟು ತೆರಿಗೆ ಕಡಿತ ಆಗಿರಬಹುದು. ಹಾಗಾಗಿ, ಸಣ್ಣ ಪ್ರಮಾಣದ ಮೊತ್ತ ಮಾತ್ರ ಪಾವತಿಸಬೇಕಾಗಬಹುದು. ಇದುವರೆಗೆ ಈ ಆದಾಯದ ಮೇಲೆ ಯಾವುದೇ ತೆರಿಗೆ ಕಡಿತ ಆಗಿಲ್ಲ ಎಂದಾದರೆ ಸಂಪೂರ್ಣ ತೆರಿಗೆ ಮೊತ್ತವನ್ನು ಈ ತಿಂಗಳೊಳಗೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವ ಮೊದಲು ಪಾವತಿಸಿ. ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿಯಡಿ ನಿಮಗೆ ₹50,000  ಸ್ಟ್ಯಾಂಡರ್ಡ್ ಡಿಡಕ್ಷನ್ ಮಾತ್ರ ಸಿಗುವುದಿದ್ದರೂ ಅದು ಒಟ್ಟು ತೆರಿಗೆ ದೃಷ್ಟಿಯಲ್ಲಿ ಉತ್ತಮ.  \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F67b31b9b-8b3a-43f4-89ee-40c2ace848aa\u002Felement\u002Fdec45732-9aeb-4603-a567-b8dfe4cb47f1","type":"text","family-id":"d79c9211-3533-4b68-ab94-0654e092e6fb","title":"","id":"dec45732-9aeb-4603-a567-b8dfe4cb47f1","metadata":{},"subtype":"question","text":"\u003Cp\u003Eನಾನು ಮಂಗಳೂರಿನಲ್ಲಿ ಐ.ಟಿ ಕಂಪನಿಯಲ್ಲಿ ಕೆಲಸ ಮಾಡುತ್ತಿದ್ದೇನೆ. ನನಗೆ 25 ವರ್ಷ. ನನ್ನ ಪೋಷಕರಿಗೆ ಮನೆ ಖರೀದಿಸಲು ಯೋಚಿಸುತ್ತಿದ್ದು, ನನ್ನ ವಾರ್ಷಿಕ ಆದಾಯ ಕೇವಲ ₹2 ಲಕ್ಷ. ನನ್ನ ತಂದೆ ಕೆಲಸದಿಂದ ನಿವೃತ್ತರಾಗಿದ್ದಾರೆ. ಅವರು ತಮ್ಮ ಬ್ಯಾಂಕ್ ಮತ್ತು ಎಲ್ಐಸಿಯಲ್ಲಿ ಸುಮಾರು ₹5 ಲಕ್ಷ ಮೊತ್ತ ಹೊಂದಿರಬಹುದು. ನನ್ನ ಪೋಷಕರು ನಿವೇಶನ ಖರೀದಿಸುವ ಮೂಲಕ ಮನೆ ನಿರ್ಮಿಸಲು ಬಯಸುತ್ತಾರೆ. ಆದರೆ, ನನಗೆ ಈ ಹಂತದಲ್ಲಿ ಇಎಂಐ ಪಾವತಿಸಲು ಸಾಧ್ಯವಿಲ್ಲ. ಹಾಗಾಗಿ, ನಾನು ಮನೆ ಖರೀದಿಸಲು ಯೋಜಿಸುತ್ತಿದ್ದೇನೆ ಮತ್ತು ಮನೆಯಲ್ಲಿ ನಾವು ನಾಲ್ವರು ಸದಸ್ಯರಿದ್ದೇವೆ. ಹಾಗಾಗಿ, ಐಷಾರಾಮಿ ಮನೆಗಾಗಿ ಯೋಜಿಸುತ್ತಿಲ್ಲ. ಅಂದಾಜು ₹10 ಲಕ್ಷದ ಒಳಗೆ ಇರುವ ಮನೆ ಖರೀದಿಸುವ ಯೋಜನೆಯಿದೆ. ನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ, ನನಗಿರುವ ಮಾಸಿಕ ₹17 ಸಾವಿರ ಸಂಬಳದೊಂದಿಗೆ ನಾನು ಈ ಗುರಿಯನ್ನು ಹೇಗೆ ಈಡೇರಿಸಬಹುದು? ನಾನು ಬ್ಯಾಂಕ್‌ನಿಂದ ಸಾಲ ಪಡೆಯಬಹುದೇ? ನಾನು ಮುಂದಿನ ಒಂದು ವರ್ಷದೊಳಗೆ ಖರೀದಿಸಲು ಯೋಜಿಸುತ್ತಿದ್ದೇನೆ. ಹಾಗಾಗಿ ಲೋನ್ ಡೌನ್ ಪೇಮೆಂಟ್ ಅಥವಾ ನನ್ನ ಹಣಕಾಸಿನ ಸುರಕ್ಷತೆಗಾಗಿ ನಾನು ಎಷ್ಟು ಮೊತ್ತವನ್ನು ಇಟ್ಟುಕೊಳ್ಳಬೇಕು? ತೆರಿಗೆ ಉಳಿತಾಯಕ್ಕಾಗಿ ಇರುವ ಸುಲಭೋಪಾಯಗಳು ಯಾವುವು? \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F67b31b9b-8b3a-43f4-89ee-40c2ace848aa\u002Felement\u002F3ce11b4e-0689-49c6-aad5-9c6bc6e25988","type":"text","family-id":"ed111043-3bf2-472b-8f59-715794becf16","title":"","id":"3ce11b4e-0689-49c6-aad5-9c6bc6e25988","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಅಂಕುರ್, ಮಂಗಳೂರು.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F67b31b9b-8b3a-43f4-89ee-40c2ace848aa\u002Felement\u002F6fe2a35a-9481-49ff-8977-cbd22ec2632d","type":"text","family-id":"19a5844a-0aa3-42e8-8351-f0cb699e5381","title":"","id":"6fe2a35a-9481-49ff-8977-cbd22ec2632d","metadata":{},"subtype":"answer","text":"\u003Cp\u003Eನಿಮ್ಮ ಮನೆ ಖರೀದಿಸುವ ಕನಸು ಸಹಜವಾದುದು. ಸಾಮಾನ್ಯವಾಗಿ ಯಾವುದೇ ಸಾಲ ನೀಡುವಾಗ ಹಣಕಾಸು ಸಂಸ್ಥೆಗಳು ಆಯಾ ಪ್ರದೇಶದ ವೆಚ್ಚಗಳಿಗೆ ಅನುಸಾರ ಪ್ರತಿ ತಿಂಗಳಿಗೆ ₹15 ಸಾವಿರದಿಂದ ₹25 ಸಾವಿರಕ್ಕೆ ಕಡಿಮೆ ಇರದ ವೇತನ ಶ್ರೇಣಿಯ ಮಂದಿಗಳಿಗೆ ಹೆಚ್ಚಿನ ಆದ್ಯತೆ ನೀಡುತ್ತವೆ. ಅಲ್ಲದೆ, ಉದ್ಯೋಗದಲ್ಲಿರುವ ಸಂಸ್ಥೆಯ ಪೂರ್ವ ಮಾಹಿತಿಯು, ಸಾಲ ನೀಡುವ ಸಂಸ್ಥೆಗಳಿಗಿದ್ದರೆ ಅದೂ ಕೆಲವೊಮ್ಮೆ ನೆರವಾಗುತ್ತದೆ. ಮೊದಲ ಹಂತದಲ್ಲಿ ಸಹಕಾರ ಬ್ಯಾಂಕ್‌ಗಳನ್ನೂ ಸಂಪರ್ಕಿಸಿ. ನೀವು ಖರೀದಿಸುವ ಮನೆಯ ಮೇಲೆ ನೇರವಾಗಿ ಅಡಮಾನ ಸಾಲ ಪಡೆಯಲು ಹೆಚ್ಚುವರಿ ದಾಖಲೆಗಳು ಹಾಗೂ ನಿಮ್ಮ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಇತ್ಯಾದಿ ಅನಿವಾರ್ಯವಾಗುತ್ತದೆ. ಮುಂದೆ ಈ ಬಗ್ಗೆ ಗಮನಹರಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಯೋಜಿಸಿರುವ ಮನೆಯು ₹10 ಲಕ್ಷದೊಳಗೆ ಸಿಗುವ ಸಾಧ್ಯತೆಗಳಿದ್ದರೆ ಪ್ಯಾನ್ ಸಹಿತ ಪೂರ್ಣ ಕೆವೈಸಿ ದಾಖಲೆ ಹೊಂದಿ, ವೇತನದ ಆಧಾರದ ಮೇಲೆ ವೈಯಕ್ತಿಕ ಸಾಲಕ್ಕೆ ಅರ್ಜಿ ಸಲ್ಲಿಸಬಹುದು. ಇತ್ತೀಚೆಗೆ ವೈಯಕ್ತಿಕ ಸಾಲ ನೀಡುವ ಸಂಸ್ಥೆಗಳು ಸಾಕಷ್ಟಿದ್ದು, ಯಾವುದೇ ಹೆಚ್ಚಿನ\u003Cbr\u003Eದಾಖಲೆಗಳಿಲ್ಲದೆ ಸಾಲ ನೀಡುತ್ತವೆ. ಆದರೆ, ಇಂತಹ ಸಾಲಕ್ಕೆ ಶೇ 12ರಿಂದ 18ರಷ್ಟು ಬಡ್ಡಿ ಇರುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಸಾಲಗಾರರ ಆರ್ಥಿಕ ಸ್ಥಿತಿಯನ್ನು ಪರಿಗಣಿಸಿ ಇದು ವ್ಯತ್ಯಾಸವಾಗುತ್ತದೆ. ಏನಿದ್ದರೂ ನೀವು ಎರಡು– ಮೂರು ಮೂಲಗಳಿಂದ ಹಣ ಕ್ರೋಡೀಕರಿಸುವತ್ತ ಗಮನ ಹರಿಸಬೇಕು. ಉದಾಹರಣೆಗೆ ನಿಮ್ಮಲ್ಲಿ ಯಾವುದಾದರೂ ಚಿನ್ನಾಭರಣ ಇದ್ದರೆ ಅದರ ಮೇಲೆ ಸಾಲಕ್ಕೆ ಪ್ರಯತ್ನಿಸಬಹುದು. ಪ್ರಸ್ತುತ ಮೌಲ್ಯದ ಸುಮಾರು ಶೇ 60ರಿಂದ 70ರಷ್ಟು ಸಾಲ ಸಿಗುತ್ತದೆ. ನಿಮ್ಮ ಖರ್ಚಿಗಾಗಿ ಪ್ರಸ್ತುತ ವೇತನದ ಅರ್ಧ ಮೊತ್ತವನ್ನಾದರೂ ಕಾಯ್ದಿರಿಸಿ. ವೈಯಕ್ತಿಕ ಸಾಲವಾದರೆ ಯಾವುದೇ ಪೂರ್ವ ಪಾವತಿಯ (ಡೌನ್‌ ಪೇಮೆಂಟ್) ಪ್ರಶ್ನೆ ಬರುವುದಿಲ್ಲ.\u003C\u002Fp\u003E\u003Cp\u003Eಇತರೆ ಸಂದರ್ಭದಲ್ಲಿ ಶೇ 20ರಿಂದ ಶೇ 25ರಷ್ಟು ಹಣವನ್ನು ಸಾಲಗಾರ ಮೊದಲೇ ಭರಿಸಬೇಕಾಗಿರುತ್ತದೆ. ಅನಿವಾರ್ಯ ಸಂದರ್ಭದಲ್ಲಿ ಮಾತ್ರ ನಿಮ್ಮ ತಂದೆಯವರ ಹಣ ಉಪಯೋಗಿಸಿ. ಇನ್ನೂ ಸಾಧ್ಯವಾಗದಿದ್ದರೆ ವಿಶ್ವಸನೀಯ ಸ್ನೇಹಿತರು, ಬಂಧುಗಳಿಂದ ಹಣವನ್ನು ಸಾಲವಾಗಿ ಪಡೆದು ಅವರಿಗೆ ಪರ್ಯಾಯವಾಗಿ ಬಡ್ಡಿ ಸಹಿತ ಮರಳಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಪ್ರಸ್ತುತ ನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ ನಿಮ್ಮ ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ಬರುವ ಸಾಧ್ಯತೆಗಳಿಲ್ಲ. ಮುಂದಿನ ದಿನಗಳಲ್ಲಿ ಹೆಚ್ಚಿನ ಗಳಿಕೆಗೆ ನಿಮಗಿರುವ ಹೆಚ್ಚುವರಿ ಸಮಯ ಹಾಗೂ ನಿಮ್ಮಲ್ಲಿರುವ ಕೌಶಲವನ್ನು ಬಳಸಿಕೊಳ್ಳಿ. ಅಂತಹ ಆದಾಯವನ್ನು ಅಗತ್ಯವಾಗಿ ನಿಮ್ಮ ರಿಟರ್ನ್ಸ್‌ನಲ್ಲಿ ಘೋಷಿಸಬೇಕು. ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿಯಡಿ ₹7 ಲಕ್ಷದೊಳಗೆ ಆದಾಯ ಇರುವವರಿಗೆ ಯಾವುದೇ ತೆರಿಗೆ ಬರುವ ಸಾಧ್ಯತೆ ಇಲ್ಲ. ಇದೇ ಸಂದರ್ಭದಲ್ಲಿ ಗರಿಷ್ಠ ಉಳಿಕೆಗೆ ಪ್ರಯತ್ನಿಸಿ. ತೆರಿಗೆ ಉಳಿತಾಯಕ್ಕಾಗಿ ಮಾತ್ರ ಹೂಡಿಕೆಯ ಉದ್ದೇಶ ಆಗಿರದೆ ನಿಮ್ಮ ಆರ್ಥಿಕ ಸುರಕ್ಷತೆ ದೃಷ್ಟಿಯಲ್ಲಿಯೂ ಇದು ಅನಿವಾರ್ಯವಾಗಿದೆ.  \u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಉತ್ತಮ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಮೂಲಕ ದೀರ್ಘಕಾಲದಲ್ಲಿ ಆರ್ಥಿಕವಾಗಿ ಸಶಕ್ತರಾಗಲು ಅವಕಾಶವಿದೆ. ಇಂದು ತಿಂಗಳಿಗೆ ₹100ರಿಂದ ತೊಡಗಿ ತಮ್ಮ ಆರ್ಥಿಕ ಸಾಮರ್ಥ್ಯಕ್ಕೆ ಅನುಗುಣವಾಗಿ ಯಾವುದೇ ಮೊತ್ತದ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಇದು ಮೊದಲ ಹೆಜ್ಜೆಯ ಆರಂಭವಷ್ಟೇ ಎಂದು ತಿಳಿದು ಮುಂದುವರಿಯಿರಿ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಆದ್ಯತೆಯ ಮನೆಯ ಬಗೆಗಿನ ಹಣಕಾಸು ವಿಚಾರವು ಸರಿದೂಗಿದ ನಂತರ ಈ ಮೊತ್ತ ಹೆಚ್ಚಿಸುವತ್ತ ಗಮನ ನೀಡಿ. ಮುಂದೆ ಇದು ನಿಮ್ಮ ಹಣಕಾಸಿನ ಭದ್ರತೆಗೆ ನೆರವಾಗುತ್ತದೆ. ಅಲ್ಲದೆ, ಇತ್ತೀಚೆಗೆ ಬಹಳಷ್ಟು ಹೊಸ ಫಂಡ್‌ಗಳು (ಎನ್‌ಎಫ್‌ಒ)  ಹೂಡಿಕೆಗೆ ಅವಕಾಶ ಕಲ್ಪಿಸಿ ಕೊಡುತ್ತಿವೆ. ಇವುಗಳ ಪ್ರತಿ ಯೂನಿಟ್‌ನ ಮೂಲ ಬೆಲೆ ₹10 ಆಗಿರುವುದರಿಂದ ಆರಂಭಿಕ ಹಂತದಲ್ಲಿಯೇ ಮಾಡುವ ಖರೀದಿಯು ಮುಂದೆ ಫಂಡ್ ಬೆಳೆದಂತೆ ಉತ್ತಮ ಲಾಭವನ್ನು ತಂದುಕೊಡಬಲ್ಲದು.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F67b31b9b-8b3a-43f4-89ee-40c2ace848aa\u002Felement\u002F964f0757-a80d-41a3-8176-59d398cc29f7","type":"text","family-id":"54ac12ad-04e5-48a4-9a7d-3ef83334f9b4","title":"","id":"964f0757-a80d-41a3-8176-59d398cc29f7","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003Eಹಣಕಾಸಿಗೆ ಸಂಬಂಧಿಸಿದ ಪ್ರಶ್ನೆಗಳನ್ನು ಪತ್ರದಲ್ಲಿ (ದೂರವಾಣಿ ಸಂಖ್ಯೆ ಸಹಿತ) ಬರೆದು ಕಳುಹಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003Eವಿಳಾಸ:\u003C\u002Fstrong\u003E ಪ್ರಶ್ನೋತ್ತರ, ವಾಣಿಜ್ಯ ವಿಭಾಗ, ಪ್ರಜಾವಾಣಿ, ನಂ.75, ಮಹಾತ್ಮ ಗಾಂಧಿ ರಸ್ತೆ, ಬೆಂಗಳೂರು–560001.\u003C\u002Fp\u003E\u003Cp\u003Eಇ–ಮೇಲ್‌: businessdesk@prajavani.co.in\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1720593146960,"content-version-id":"8f6eb1f0-ed03-4e05-9946-470ab4fd7327","card-added-at":1720544301205,"status":"draft","id":"16033a22-62bd-495a-9dea-ad855ee355f2","content-id":"16033a22-62bd-495a-9dea-ad855ee355f2","version":15,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ | ತೆರಿಗೆ ಉಳಿತಾಯಕ್ಕಾಗಿ ಇರುವ ಸುಲಭೋಪಾಯಗಳು ಯಾವುವು?","message":null,"image":{"key":"prajavani\u002F2024-07\u002F72218762-e4d1-446f-ba54-8a8ccf53f3da\u002Ffile7ov8hqunm3m60f9oh6u.jpg","url":null,"attribution":null,"alt-text":null,"caption":null,"metadata":{"width":1170,"height":1200,"mime-type":"image\u002Fjpeg","file-size":236462,"file-name":"file7ov8hqunm3m60f9oh6u.jpg","focus-point":[585,600]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fwhat-are-the-tax-saving-benefits-here-is-the-expert-answer-2878464","story-version-id":"93311929-9df3-426e-840c-a5554bd19156","content-type":"story","content-updated-at":1720593149930,"author-id":1749710,"owner-id":1792297,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1720564020000,"hero-image-caption":null,"version":15,"story-template":"text","sequence-no":null,"created-at":1720593146951,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"card-share":{"shareable":false}},"publish-at":null,"assignee-name":"Pavitra Bhat"}},{"id":"4c326ca2-521d-4a19-9744-9faae55a3369","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ: ಮನೆ ಮಾರಾಟ ಮಾಡಿದರೆ ಬರುವ ಲಾಭಕ್ಕೆ ತೆರಿಗೆ ಇದೆಯೇ?"]},"story":{"updated-at":1719954722170,"seo":{"meta-description":"ನೀವು ಈಗಾಗಲೇ ಖರೀದಿಸಬೇಕೆಂದಿದ್ದ ಮನೆ ನಿರ್ಮಾಣದ ಹಂತದಲ್ಲೇ ಮಾರಾಟ ಮಾಡುವ ಬಗ್ಗೆ ತಿಳಿಸಿರುತ್ತೀರಿ.","meta-keywords":["Financial advice"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5514883,"name":"Financial advice","meta-description":null,"meta-title":null,"slug":"financial-advice","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ಮನೆ ಮಾರಾಟ ಮಾಡಿದರೆ ಬರುವ ಲಾಭಕ್ಕೆ ತೆರಿಗೆ ಇದೆಯೇ?","storyline-id":null,"votes":{},"story-content-id":"4c326ca2-521d-4a19-9744-9faae55a3369","slug":"business\u002Fprashnottara\u002Fprashnottara-is-there-any-tax-on-the-profit-from-the-sale-of-the-house-2869052","last-published-at":1719954724110,"public-identifier":"2869052","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1719927733109,"is-embargoed":false,"owner-name":"syndication","custom-slug":"Prashnottara: Is there any tax on the profit from the sale of the house","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"focus-point":[474,254],"width":800,"height":599},"comments":null,"word-count":476,"story-features":null,"entities":{},"published-at":1719954724110,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7w4g9vts5mpae6ck4pc","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"4c326ca2-521d-4a19-9744-9faae55a3369","hero-image-s3-key":"prajavani\u002Fimport\u002Fsites\u002Fpv\u002Ffiles\u002Farticle_images\u002F2017\u002F04\u002F28\u002Fpvec28home.jpg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F4c326ca2-521d-4a19-9744-9faae55a3369\u002Felement\u002F335e788c-0c5b-45dc-a3da-021dbc06a7cb","type":"text","family-id":"f2a66c46-7e58-4c54-a155-e8cea80291c4","title":"","id":"335e788c-0c5b-45dc-a3da-021dbc06a7cb","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಜಯರಾಮ್, ಬೆಂಗಳೂರು.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F4c326ca2-521d-4a19-9744-9faae55a3369\u002Felement\u002F03253e0a-834b-4836-b90f-36bf8b479a19","type":"text","family-id":"96a295de-8867-4cec-bbb3-9f023cc88606","title":"","id":"03253e0a-834b-4836-b90f-36bf8b479a19","metadata":{"question":"\u003Cp\u003Eಇತ್ತೀಚೆಗೆ ನಾನು ಕ್ವಾಂಟ್‌ ಫಂಡ್‌ಗಳ ಬಗ್ಗೆ ಕೇಳಿದ್ದೇನೆ. ಇದು ಇತರೆ ಫಂಡ್‌ಗಳಿಗಿಂತ ತೀರಾ ಭಿನ್ನವಾಗಿರುತ್ತದೆ ಎಂಬುದನ್ನು ತಿಳಿದುಕೊಂಡೆ. ಇವುಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಲಾಭದಾಯಕವೇ?\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eಕ್ವಾಂಟ್ ಫಂಡ್ ಅಥವಾ ಕ್ವಾಂಟಿಟೇಟಿವ್ ಫಂಡ್ ಎನ್ನುವುದು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳ ಒಂದು ವರ್ಗವಾಗಿದೆ. ಅದು ಗಣಿತ ಮತ್ತು ಸಂಖ್ಯಾಶಾಸ್ತ್ರದ (ಸ್ಟ್ಯಾಟಿಸ್ಟಿಕ್ಸ್) ಮಾದರಿ, ಕ್ರಮಾವಳಿ ಮತ್ತು ಇತರೆ ಪರಿಮಾಣಾತ್ಮಕ ತಂತ್ರಗಳನ್ನು ಹೂಡಿಕೆ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳುವಲ್ಲಿ ಮತ್ತು ವಹಿವಾಟುಗಳನ್ನು ಕಾರ್ಯಗತಗೊಳಿಸಲು ಬಳಸುತ್ತವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಫಂಡ್ ಮ್ಯಾನೇಜರ್‌ಗಳು ಈ ವಿಧಾನದ ಮೂಲಕ ಸಂಗ್ರಹಿಸುವ ಮಾಹಿತಿ ಆಧಾರದ ಮೇಲೆ ತಮ್ಮ ಪೋರ್ಟ್‌ಫೋಲಿಯೊವನ್ನು ನಿರ್ಮಿಸುತ್ತಾರೆ. ಇದು ಕೆಲವು ಪೂರ್ವ ನಿಯೋಜಿತ ಮಾನದಂಡಗಳ ಸುತ್ತ ರಚಿತವಾಗುತ್ತದೆ. ಯಾವುದೇ ಫಂಡ್ ಮ್ಯಾನೇಜರ್ ತಮ್ಮ ಭಾವನಾತ್ಮಕ ತೀರ್ಮಾನ ಕೈಗೊಳ್ಳುವ ಅವಕಾಶ ಇದರಲ್ಲಿ ಇಲ್ಲ. ಕಂಪ್ಯೂಟರ್ ತಂತ್ರಾಂಶಕ್ಕೆ ಹಲವಾರು ಮಾಹಿತಿಗಳು ಹಾಗೂ ಆಯ್ಕೆ ಮಾನದಂಡಗಳನ್ನೂ ಇಲ್ಲಿ ದಾಖಲಿಸಲಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಇದು ಇತರೆ ಫಂಡ್‌ಗಳಂತೆ ರಿಸ್ಕ್ ಇಲ್ಲವೆಂದಲ್ಲ. ಇಲ್ಲಿ ಸಮಯ, ಸಂದರ್ಭಕ್ಕೆ ಸಂಬಂಧಪಟ್ಟು ಸಮರ್ಪಕ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳುವಲ್ಲಿ ಈ ಹೂಡಿಕೆ ತಂತ್ರ ನೆರವಾಗುತ್ತದೆ. ಹೆಚ್ಚಾಗಿ ಈ ಫಂಡ್‌ಗಳು ಹಳೆಯ ಮಾಹಿತಿ ಆಧಾರದ ಮೇಲೆ ಅಲ್ಗೋರಿದಮ್ ನೆರವಿನಿಂದ ಮುಂದಿನ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳುತ್ತವೆ. ಆದರೆ, ಕೆಲವೆಲ್ಲ ಅಪರೂಪದ ವಿಚಾರಗಳು ಇಂತಹ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳುವಲ್ಲಿ ಪರಿಗಣನೆಗೆ ಬರುವುದಿಲ್ಲ. ಉದಾಹರಣೆಗೆ ಯುದ್ಧ ಭೀತಿ, ಪ್ರಮುಖ ಆರ್ಥಿಕ ನಿರ್ಧಾರಗಳು, ಜಾಗತಿಕವಾಗಿ ಹರಡುವ ಕೊರೊನಾದಂತಹ ರೋಗ ಇತ್ಯಾದಿ ಪರಿಣಾಮವನ್ನು ಇಲ್ಲಿ ಪರಿಗಣನೆಗೆ ತೆಗೆದುಕೊಳ್ಳಲಾಗುವುದಿಲ್ಲ. ಆದರೆ, ಮಾರುಕಟ್ಟೆ ಮೇಲೆ ಇದರ ಪರಿಣಾಮ ಇಲ್ಲದಿರುವುದಿಲ್ಲ.\u003C\u002Fp\u003E\u003Cp\u003Eಹೂಡಿಕೆ ವಿಚಾರದಲ್ಲಿ ಇವು ಇತರೆ ಫಂಡ್‌ಗಳಿಗಿಂತ ಉತ್ತಮ ರಿಟರ್ನ್ ನೀಡಿವೆ. ಆದರೆ, ಇಂತಹ ಯಾವುದೇ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಮುನ್ನ ಸಾಕಷ್ಟು ಪೂರ್ವ ವಿಮರ್ಶೆ ಹಾಗೂ ನಿಮ್ಮ ಆರ್ಥಿಕ ಅಪಾಯ ಸಹಿಸುವ ಸಾಮರ್ಥ್ಯವನ್ನು ಮೊದಲೇ ಯೋಚಿಸಿ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳಿ.\u003Cbr\u003E \u003Cbr\u003E\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eಇತ್ತೀಚೆಗೆ ನಾನು ಕ್ವಾಂಟ್‌ ಫಂಡ್‌ಗಳ ಬಗ್ಗೆ ಕೇಳಿದ್ದೇನೆ. ಇದು ಇತರೆ ಫಂಡ್‌ಗಳಿಗಿಂತ ತೀರಾ ಭಿನ್ನವಾಗಿರುತ್ತದೆ ಎಂಬುದನ್ನು ತಿಳಿದುಕೊಂಡೆ. ಇವುಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಲಾಭದಾಯಕವೇ?\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eಕ್ವಾಂಟ್ ಫಂಡ್ ಅಥವಾ ಕ್ವಾಂಟಿಟೇಟಿವ್ ಫಂಡ್ ಎನ್ನುವುದು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳ ಒಂದು ವರ್ಗವಾಗಿದೆ. ಅದು ಗಣಿತ ಮತ್ತು ಸಂಖ್ಯಾಶಾಸ್ತ್ರದ (ಸ್ಟ್ಯಾಟಿಸ್ಟಿಕ್ಸ್) ಮಾದರಿ, ಕ್ರಮಾವಳಿ ಮತ್ತು ಇತರೆ ಪರಿಮಾಣಾತ್ಮಕ ತಂತ್ರಗಳನ್ನು ಹೂಡಿಕೆ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳುವಲ್ಲಿ ಮತ್ತು ವಹಿವಾಟುಗಳನ್ನು ಕಾರ್ಯಗತಗೊಳಿಸಲು ಬಳಸುತ್ತವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಫಂಡ್ ಮ್ಯಾನೇಜರ್‌ಗಳು ಈ ವಿಧಾನದ ಮೂಲಕ ಸಂಗ್ರಹಿಸುವ ಮಾಹಿತಿ ಆಧಾರದ ಮೇಲೆ ತಮ್ಮ ಪೋರ್ಟ್‌ಫೋಲಿಯೊವನ್ನು ನಿರ್ಮಿಸುತ್ತಾರೆ. ಇದು ಕೆಲವು ಪೂರ್ವ ನಿಯೋಜಿತ ಮಾನದಂಡಗಳ ಸುತ್ತ ರಚಿತವಾಗುತ್ತದೆ. ಯಾವುದೇ ಫಂಡ್ ಮ್ಯಾನೇಜರ್ ತಮ್ಮ ಭಾವನಾತ್ಮಕ ತೀರ್ಮಾನ ಕೈಗೊಳ್ಳುವ ಅವಕಾಶ ಇದರಲ್ಲಿ ಇಲ್ಲ. ಕಂಪ್ಯೂಟರ್ ತಂತ್ರಾಂಶಕ್ಕೆ ಹಲವಾರು ಮಾಹಿತಿಗಳು ಹಾಗೂ ಆಯ್ಕೆ ಮಾನದಂಡಗಳನ್ನೂ ಇಲ್ಲಿ ದಾಖಲಿಸಲಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಇದು ಇತರೆ ಫಂಡ್‌ಗಳಂತೆ ರಿಸ್ಕ್ ಇಲ್ಲವೆಂದಲ್ಲ. ಇಲ್ಲಿ ಸಮಯ, ಸಂದರ್ಭಕ್ಕೆ ಸಂಬಂಧಪಟ್ಟು ಸಮರ್ಪಕ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳುವಲ್ಲಿ ಈ ಹೂಡಿಕೆ ತಂತ್ರ ನೆರವಾಗುತ್ತದೆ. ಹೆಚ್ಚಾಗಿ ಈ ಫಂಡ್‌ಗಳು ಹಳೆಯ ಮಾಹಿತಿ ಆಧಾರದ ಮೇಲೆ ಅಲ್ಗೋರಿದಮ್ ನೆರವಿನಿಂದ ಮುಂದಿನ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳುತ್ತವೆ. ಆದರೆ, ಕೆಲವೆಲ್ಲ ಅಪರೂಪದ ವಿಚಾರಗಳು ಇಂತಹ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳುವಲ್ಲಿ ಪರಿಗಣನೆಗೆ ಬರುವುದಿಲ್ಲ. ಉದಾಹರಣೆಗೆ ಯುದ್ಧ ಭೀತಿ, ಪ್ರಮುಖ ಆರ್ಥಿಕ ನಿರ್ಧಾರಗಳು, ಜಾಗತಿಕವಾಗಿ ಹರಡುವ ಕೊರೊನಾದಂತಹ ರೋಗ ಇತ್ಯಾದಿ ಪರಿಣಾಮವನ್ನು ಇಲ್ಲಿ ಪರಿಗಣನೆಗೆ ತೆಗೆದುಕೊಳ್ಳಲಾಗುವುದಿಲ್ಲ. ಆದರೆ, ಮಾರುಕಟ್ಟೆ ಮೇಲೆ ಇದರ ಪರಿಣಾಮ ಇಲ್ಲದಿರುವುದಿಲ್ಲ.\u003C\u002Fp\u003E\u003Cp\u003Eಹೂಡಿಕೆ ವಿಚಾರದಲ್ಲಿ ಇವು ಇತರೆ ಫಂಡ್‌ಗಳಿಗಿಂತ ಉತ್ತಮ ರಿಟರ್ನ್ ನೀಡಿವೆ. ಆದರೆ, ಇಂತಹ ಯಾವುದೇ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಮುನ್ನ ಸಾಕಷ್ಟು ಪೂರ್ವ ವಿಮರ್ಶೆ ಹಾಗೂ ನಿಮ್ಮ ಆರ್ಥಿಕ ಅಪಾಯ ಸಹಿಸುವ ಸಾಮರ್ಥ್ಯವನ್ನು ಮೊದಲೇ ಯೋಚಿಸಿ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳಿ.\u003Cbr\u003E \u003Cbr\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F4c326ca2-521d-4a19-9744-9faae55a3369\u002Felement\u002F9654ad20-05af-43fb-aedc-dc24e436c02c","type":"text","family-id":"b2a733f7-b4cc-497a-90a0-45168cd41e3e","title":"","id":"9654ad20-05af-43fb-aedc-dc24e436c02c","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eವಿಜಯ್‌ಕುಮಾರ್, ವೈಟ್‌ಫೀಲ್ಡ್, ಬೆಂಗಳೂರು\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F4c326ca2-521d-4a19-9744-9faae55a3369\u002Felement\u002F4645b128-ff35-4534-ac76-0ba709ad2829","type":"text","family-id":"f5ec9fcb-064b-46eb-a000-f8240edf9aa2","title":"","id":"4645b128-ff35-4534-ac76-0ba709ad2829","metadata":{"question":"\u003Cp\u003Eನಾನು ಐ.ಟಿ ಕಂಪನಿಯಲ್ಲಿ ಉದ್ಯೋಗ ಮಾಡುತ್ತಿದ್ದು, ಸ್ವಂತ ವಾಸಕ್ಕೆಂದು ಬೆಂಗಳೂರಿನಲ್ಲಿ ಒಂದು ಫ್ಲ್ಯಾಟ್‌  ಖರೀದಿಸುವ ಯೋಜನೆ ಮಾಡಿದ್ದೇನೆ. ಇದರಂತೆ 2021ರ ಆಗಸ್ಟ್ 20ರಂದು ಮೂರು ಬೆಡ್ ರೂಂ ಮನೆಯೊಂದನ್ನು ಖರೀದಿಸಿದ್ದೇನೆ. ಈ ಬಗ್ಗೆ ರಿಯಲ್‌ ಎಸ್ಟೇಟ್‌ ಕಂಪನಿಗೆ ಮುಂಗಡ ಹಣ ನೀಡಿ ಮನೆ ಖರೀದಿ ವ್ಯವಹಾರ ಪತ್ರ, ನಂತರದ ಹಂತದಲ್ಲಿ ಖರೀದಿ ಅಗ್ರಿಮೆಂಟ್ ಇತ್ಯಾದಿ ಪ್ರಕ್ರಿಯೆಯನ್ನೂ ಮುಗಿಸಿದ್ದೆ. ಈ ಸಂದರ್ಭದಲ್ಲಿ ಬ್ಯಾಂಕ್ ಸಾಲ ಮಾಡಿ ಸುಮಾರು ಮೊತ್ತವನ್ನು ಬಡ್ಡಿ ಸಮೇತ ಪಾವತಿಸುತ್ತಿದ್ದೇನೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಪ್ರಸ್ತುತ ನನ್ನ ಉದ್ಯೋಗ ಮುಂಬೈ ನಗರಕ್ಕೆ ವರ್ಗಾವಣೆ ಆಗುವ ಸಾಧ್ಯತೆ ಇದೆ. ಅಲ್ಲದೆ, ಈ ಮನೆ ಪೂರ್ಣಗೊಳ್ಳಲು ಇನ್ನೂ ಒಂದು ವರ್ಷ ಬೇಕಾಗುತ್ತದೆ. ಇಂಟೀರಿಯರ್ ಕೆಲಸ ಬಾಕಿ ಇದೆ. ಹೀಗಾಗಿ, ಈ ಸಂದರ್ಭದಲ್ಲಿ ನಾನು ಮಾರಾಟ ಮಾಡುವ ಹಂತದಲ್ಲಿದ್ದೇನೆ. ಪ್ರಸ್ತುತ ನಾನು ಮನೆ ಖರೀದಿಸಿದ ಭಾಗದಲ್ಲಿ ಫ್ಲ್ಯಾಟ್‌ ಬೆಲೆ ಉತ್ತಮವಾಗಿದ್ದು, ನನಗೆ ಸುಮಾರು ಶೇ 40ರಷ್ಟು ಹೆಚ್ಚುವರಿ ಹಣ ಸಿಗುವ ಬಗ್ಗೆ ಬ್ರೋಕರ್‌ಗಳ ಮೂಲಕ ಮಾಹಿತಿ ಬಂದಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ, ಈ ಹಂತದಲ್ಲಿ ನಾನು ಮನೆ ಮಾರಾಟ ಮಾಡಿದರೆ ಬರುವ ಲಾಭಕ್ಕೆ ತೆರಿಗೆ ಇದೆಯೇ? ನಾನು ಕಟ್ಟಿದ ಮನೆಯ ಅಸಲು, ಬಡ್ಡಿ ಮೊತ್ತಕ್ಕೆ ಏನಾದರೂ ತೆರಿಗೆ ಲಾಭ ಇದೆಯೇ? ಮುಂದಿನ ನಿರ್ಧಾರ ಯಾವ ರೀತಿ ಕೈಗೊಳ್ಳಬೇಕು?\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನೀವು ಈಗಾಗಲೇ ಖರೀದಿಸಬೇಕೆಂದಿದ್ದ ಮನೆ ನಿರ್ಮಾಣದ ಹಂತದಲ್ಲೇ ಮಾರಾಟ ಮಾಡುವ ಬಗ್ಗೆ ತಿಳಿಸಿರುತ್ತೀರಿ. ಆರ್ಥಿಕ ದೃಷ್ಟಿ ಹಾಗೂ ನಿಮ್ಮ ಔದ್ಯೋಗಿಕ ಸ್ಥಳದ ಬದಲಾವಣೆಗೆ ಸಂಬಂಧಿಸಿ ಇದು ಸೂಕ್ತ ನಿರ್ಧಾರವೇ ಆಗಿದ್ದರೂ ಅದರ ಬಗೆಗಿನ ಬಂಡವಾಳ ಲಾಭದ ತೆರಿಗೆ ವಿಚಾರದಲ್ಲಿ ನೀವು ಸೂಕ್ತವಾಗಿ ಪೂರ್ವ ಯೋಜನೆ ಮಾಡಿ ಮಾರಾಟ ಮಾಡುವುದು ಅನಿವಾರ್ಯ.\u003C\u002Fp\u003E\u003Cp\u003Eಪ್ರಸ್ತುತ ನೀವು ಕಂಪನಿಯು ಕೊಟ್ಟಿರುವ ಪತ್ರದ ಆಧಾರದ ಮೇಲೆ ಮುಂಗಡ ಹಣ ಪಾವತಿಸಿ ನಂತರದ ಹಂತದಲ್ಲಿ ಇತರೆ ಕರಾರು ಪತ್ರಗಳನ್ನು ಹೊಂದಿದ್ದೀರಿ. 2021ರ ಆಗಸ್ಟ್‌ನಿಂದ ಇಲ್ಲಿಯವರೆಗೆ 24 ತಿಂಗಳಿಗಿಂತಲೂ ಹೆಚ್ಚು ಅವಧಿವರೆಗೆ ನಿಮ್ಮ ಹಣ ಇದರಲ್ಲಿ ಹೂಡಿಕೆಯಾಗಿದೆ. ಹೀಗಾಗಿ ಬರುವ ಲಾಭದ ಮೇಲೆ ದೀರ್ಘಾವಧಿ ಬಂಡವಾಳ ತೆರಿಗೆ ಅನ್ವಯವಾಗುತ್ತದೆ. ಇದು ಶೇ 20ರ ದರದಂತೆ ಅನ್ವಯಿಸುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಮನೆ ಮಾರಾಟದ ಸಂದರ್ಭದಲ್ಲಿ ಯಾವುದೇ ಬ್ರೋಕರ್‌ಗಳಿಗೆ ನೀವು ಕಮಿಷನ್ ಪಾವತಿ ಮಾಡುವುದಿದ್ದರೆ, ಅಂತಹ ಮೊತ್ತವನ್ನು ನಿಮ್ಮ ಮಾರಾಟ ಮೌಲ್ಯದಿಂದ ಕಳೆದು ಉಳಿದ ಮೊತ್ತವನ್ನಷ್ಟೇ ತೆರಿಗೆಗೊಳಪಡಿಸಲಾಗುತ್ತದೆ. ನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕಲು ಸಮೀಪದ ತೆರಿಗೆ ಪರಿಣತರಲ್ಲಿ, ಆಸ್ತಿಯ ಮೌಲ್ಯ, ಪಾವತಿ ವಿವರಗಳೊಂದಿಗೆ ಸಮಾಲೋಚನೆ ನಡೆಸಬೇಕು.\u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನು ತೆರಿಗೆ ವಿಚಾರದ ಬಗ್ಗೆ ಹೇಳುವುದಾದರೆ ನೀವು ಮನೆ ಮಾರಾಟ ಮಾಡುವ ಕಾರಣ ಯಾವುದೇ ರಿಯಾಯಿತಿ ನಿಮಗೆ ಪಡೆಯಲು ಅಸಾಧ್ಯ. ಆದರೆ, ನಿಮ್ಮ ಪ್ರಸ್ತುತ ಯೋಜನೆಯನ್ನು ನೀವು ವರ್ಗಾವಣೆಯಾಗುವ ಸ್ಥಳದಲ್ಲಿ ಇನ್ನೊಂದು ಮನೆ  ಅಥವಾ ಫ್ಲ್ಯಾಟ್ ಖರೀದಿಗೆ ಬಳಸಿಕೊಂಡಲ್ಲಿ ತೆರಿಗೆ ಉಳಿತಾಯ ಸಾಧ್ಯ. ಇದಕ್ಕಾಗಿ ನಿಮ್ಮ ಪ್ರಸ್ತುತ ಮಾಹಿತಿಯನ್ನು ತೆರಿಗೆ ಸಲಹೆಗಾರರಿಗೆ ನೀಡಿ ಮಾಹಿತಿ ಪಡೆದುಕೊಳ್ಳಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಅಲ್ಲದೆ, ನಿರ್ಮಾಣ ಹಂತದಲ್ಲಿರುವ ನಿಮ್ಮ ಫ್ಲ್ಯಾಟ್ ಈಗಾಗಲೇ ಬ್ಯಾಂಕಿಗೆ ಅಡಮಾನವಾಗಿ ದಾಖಲಾಗಿರುತ್ತದೆ. ಹೀಗಾಗಿ, ಈ ಸಾಲದ ಮೇಲೆ ಬಾಕಿ ಉಳಿದಿರುವ ಅಸಲು ಮೊತ್ತ ಇನ್ನೂ ಮನೆ ಸಂಪೂರ್ಣ ಆಗದ ಕಾರಣ ಬಹುತೇಕ ಉಳಿದಿರುತ್ತದೆ. ಮಾರಾಟದಿಂದ ಬರಬಹುದಾದ ನಿವ್ವಳ ಮೊತ್ತ ಹಾಗೂ ಸಾಲದ ವಿಲೇವಾರಿಯ ಬಗ್ಗೆಯೂ ಬ್ಯಾಂಕಿನಲ್ಲಿ ಸಮರ್ಪಕ ಮಾಹಿತಿ ಪಡೆದುಕೊಂಡು ವ್ಯವಹರಿಸಬೇಕು.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಐ.ಟಿ ಕಂಪನಿಯಲ್ಲಿ ಉದ್ಯೋಗ ಮಾಡುತ್ತಿದ್ದು, ಸ್ವಂತ ವಾಸಕ್ಕೆಂದು ಬೆಂಗಳೂರಿನಲ್ಲಿ ಒಂದು ಫ್ಲ್ಯಾಟ್‌  ಖರೀದಿಸುವ ಯೋಜನೆ ಮಾಡಿದ್ದೇನೆ. ಇದರಂತೆ 2021ರ ಆಗಸ್ಟ್ 20ರಂದು ಮೂರು ಬೆಡ್ ರೂಂ ಮನೆಯೊಂದನ್ನು ಖರೀದಿಸಿದ್ದೇನೆ. ಈ ಬಗ್ಗೆ ರಿಯಲ್‌ ಎಸ್ಟೇಟ್‌ ಕಂಪನಿಗೆ ಮುಂಗಡ ಹಣ ನೀಡಿ ಮನೆ ಖರೀದಿ ವ್ಯವಹಾರ ಪತ್ರ, ನಂತರದ ಹಂತದಲ್ಲಿ ಖರೀದಿ ಅಗ್ರಿಮೆಂಟ್ ಇತ್ಯಾದಿ ಪ್ರಕ್ರಿಯೆಯನ್ನೂ ಮುಗಿಸಿದ್ದೆ. ಈ ಸಂದರ್ಭದಲ್ಲಿ ಬ್ಯಾಂಕ್ ಸಾಲ ಮಾಡಿ ಸುಮಾರು ಮೊತ್ತವನ್ನು ಬಡ್ಡಿ ಸಮೇತ ಪಾವತಿಸುತ್ತಿದ್ದೇನೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಪ್ರಸ್ತುತ ನನ್ನ ಉದ್ಯೋಗ ಮುಂಬೈ ನಗರಕ್ಕೆ ವರ್ಗಾವಣೆ ಆಗುವ ಸಾಧ್ಯತೆ ಇದೆ. ಅಲ್ಲದೆ, ಈ ಮನೆ ಪೂರ್ಣಗೊಳ್ಳಲು ಇನ್ನೂ ಒಂದು ವರ್ಷ ಬೇಕಾಗುತ್ತದೆ. ಇಂಟೀರಿಯರ್ ಕೆಲಸ ಬಾಕಿ ಇದೆ. ಹೀಗಾಗಿ, ಈ ಸಂದರ್ಭದಲ್ಲಿ ನಾನು ಮಾರಾಟ ಮಾಡುವ ಹಂತದಲ್ಲಿದ್ದೇನೆ. ಪ್ರಸ್ತುತ ನಾನು ಮನೆ ಖರೀದಿಸಿದ ಭಾಗದಲ್ಲಿ ಫ್ಲ್ಯಾಟ್‌ ಬೆಲೆ ಉತ್ತಮವಾಗಿದ್ದು, ನನಗೆ ಸುಮಾರು ಶೇ 40ರಷ್ಟು ಹೆಚ್ಚುವರಿ ಹಣ ಸಿಗುವ ಬಗ್ಗೆ ಬ್ರೋಕರ್‌ಗಳ ಮೂಲಕ ಮಾಹಿತಿ ಬಂದಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ, ಈ ಹಂತದಲ್ಲಿ ನಾನು ಮನೆ ಮಾರಾಟ ಮಾಡಿದರೆ ಬರುವ ಲಾಭಕ್ಕೆ ತೆರಿಗೆ ಇದೆಯೇ? ನಾನು ಕಟ್ಟಿದ ಮನೆಯ ಅಸಲು, ಬಡ್ಡಿ ಮೊತ್ತಕ್ಕೆ ಏನಾದರೂ ತೆರಿಗೆ ಲಾಭ ಇದೆಯೇ? ಮುಂದಿನ ನಿರ್ಧಾರ ಯಾವ ರೀತಿ ಕೈಗೊಳ್ಳಬೇಕು?\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನೀವು ಈಗಾಗಲೇ ಖರೀದಿಸಬೇಕೆಂದಿದ್ದ ಮನೆ ನಿರ್ಮಾಣದ ಹಂತದಲ್ಲೇ ಮಾರಾಟ ಮಾಡುವ ಬಗ್ಗೆ ತಿಳಿಸಿರುತ್ತೀರಿ. ಆರ್ಥಿಕ ದೃಷ್ಟಿ ಹಾಗೂ ನಿಮ್ಮ ಔದ್ಯೋಗಿಕ ಸ್ಥಳದ ಬದಲಾವಣೆಗೆ ಸಂಬಂಧಿಸಿ ಇದು ಸೂಕ್ತ ನಿರ್ಧಾರವೇ ಆಗಿದ್ದರೂ ಅದರ ಬಗೆಗಿನ ಬಂಡವಾಳ ಲಾಭದ ತೆರಿಗೆ ವಿಚಾರದಲ್ಲಿ ನೀವು ಸೂಕ್ತವಾಗಿ ಪೂರ್ವ ಯೋಜನೆ ಮಾಡಿ ಮಾರಾಟ ಮಾಡುವುದು ಅನಿವಾರ್ಯ.\u003C\u002Fp\u003E\u003Cp\u003Eಪ್ರಸ್ತುತ ನೀವು ಕಂಪನಿಯು ಕೊಟ್ಟಿರುವ ಪತ್ರದ ಆಧಾರದ ಮೇಲೆ ಮುಂಗಡ ಹಣ ಪಾವತಿಸಿ ನಂತರದ ಹಂತದಲ್ಲಿ ಇತರೆ ಕರಾರು ಪತ್ರಗಳನ್ನು ಹೊಂದಿದ್ದೀರಿ. 2021ರ ಆಗಸ್ಟ್‌ನಿಂದ ಇಲ್ಲಿಯವರೆಗೆ 24 ತಿಂಗಳಿಗಿಂತಲೂ ಹೆಚ್ಚು ಅವಧಿವರೆಗೆ ನಿಮ್ಮ ಹಣ ಇದರಲ್ಲಿ ಹೂಡಿಕೆಯಾಗಿದೆ. ಹೀಗಾಗಿ ಬರುವ ಲಾಭದ ಮೇಲೆ ದೀರ್ಘಾವಧಿ ಬಂಡವಾಳ ತೆರಿಗೆ ಅನ್ವಯವಾಗುತ್ತದೆ. ಇದು ಶೇ 20ರ ದರದಂತೆ ಅನ್ವಯಿಸುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ಮನೆ ಮಾರಾಟದ ಸಂದರ್ಭದಲ್ಲಿ ಯಾವುದೇ ಬ್ರೋಕರ್‌ಗಳಿಗೆ ನೀವು ಕಮಿಷನ್ ಪಾವತಿ ಮಾಡುವುದಿದ್ದರೆ, ಅಂತಹ ಮೊತ್ತವನ್ನು ನಿಮ್ಮ ಮಾರಾಟ ಮೌಲ್ಯದಿಂದ ಕಳೆದು ಉಳಿದ ಮೊತ್ತವನ್ನಷ್ಟೇ ತೆರಿಗೆಗೊಳಪಡಿಸಲಾಗುತ್ತದೆ. ನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕಲು ಸಮೀಪದ ತೆರಿಗೆ ಪರಿಣತರಲ್ಲಿ, ಆಸ್ತಿಯ ಮೌಲ್ಯ, ಪಾವತಿ ವಿವರಗಳೊಂದಿಗೆ ಸಮಾಲೋಚನೆ ನಡೆಸಬೇಕು.\u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನು ತೆರಿಗೆ ವಿಚಾರದ ಬಗ್ಗೆ ಹೇಳುವುದಾದರೆ ನೀವು ಮನೆ ಮಾರಾಟ ಮಾಡುವ ಕಾರಣ ಯಾವುದೇ ರಿಯಾಯಿತಿ ನಿಮಗೆ ಪಡೆಯಲು ಅಸಾಧ್ಯ. ಆದರೆ, ನಿಮ್ಮ ಪ್ರಸ್ತುತ ಯೋಜನೆಯನ್ನು ನೀವು ವರ್ಗಾವಣೆಯಾಗುವ ಸ್ಥಳದಲ್ಲಿ ಇನ್ನೊಂದು ಮನೆ  ಅಥವಾ ಫ್ಲ್ಯಾಟ್ ಖರೀದಿಗೆ ಬಳಸಿಕೊಂಡಲ್ಲಿ ತೆರಿಗೆ ಉಳಿತಾಯ ಸಾಧ್ಯ. ಇದಕ್ಕಾಗಿ ನಿಮ್ಮ ಪ್ರಸ್ತುತ ಮಾಹಿತಿಯನ್ನು ತೆರಿಗೆ ಸಲಹೆಗಾರರಿಗೆ ನೀಡಿ ಮಾಹಿತಿ ಪಡೆದುಕೊಳ್ಳಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಅಲ್ಲದೆ, ನಿರ್ಮಾಣ ಹಂತದಲ್ಲಿರುವ ನಿಮ್ಮ ಫ್ಲ್ಯಾಟ್ ಈಗಾಗಲೇ ಬ್ಯಾಂಕಿಗೆ ಅಡಮಾನವಾಗಿ ದಾಖಲಾಗಿರುತ್ತದೆ. ಹೀಗಾಗಿ, ಈ ಸಾಲದ ಮೇಲೆ ಬಾಕಿ ಉಳಿದಿರುವ ಅಸಲು ಮೊತ್ತ ಇನ್ನೂ ಮನೆ ಸಂಪೂರ್ಣ ಆಗದ ಕಾರಣ ಬಹುತೇಕ ಉಳಿದಿರುತ್ತದೆ. ಮಾರಾಟದಿಂದ ಬರಬಹುದಾದ ನಿವ್ವಳ ಮೊತ್ತ ಹಾಗೂ ಸಾಲದ ವಿಲೇವಾರಿಯ ಬಗ್ಗೆಯೂ ಬ್ಯಾಂಕಿನಲ್ಲಿ ಸಮರ್ಪಕ ಮಾಹಿತಿ ಪಡೆದುಕೊಂಡು ವ್ಯವಹರಿಸಬೇಕು.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1719954719630,"content-version-id":"4ea0e409-e7df-4ac6-903e-54511ee2065b","card-added-at":1719927733274,"status":"draft","id":"fa1b3f3b-9c8d-4e97-ae5a-6c379cc564d2","content-id":"fa1b3f3b-9c8d-4e97-ae5a-6c379cc564d2","version":9,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ಮನೆ ಮಾರಾಟ ಮಾಡಿದರೆ ಬರುವ ಲಾಭಕ್ಕೆ ತೆರಿಗೆ ಇದೆಯೇ?","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002Fimport\u002Fsites\u002Fpv\u002Ffiles\u002Farticle_images\u002F2017\u002F04\u002F28\u002Fpvec28home.jpg","url":null,"attribution":null,"alt-text":null,"caption":null,"metadata":{"focus-point":[474,254],"width":800,"height":599}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fprashnottara-is-there-any-tax-on-the-profit-from-the-sale-of-the-house-2869052","story-version-id":"77f64df1-4f87-463a-ab98-3bacda241280","content-type":"story","content-updated-at":1719954724265,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1719954724110,"hero-image-caption":null,"version":10,"story-template":"syndicated","sequence-no":null,"created-at":1719954719622,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ ಸುದ್ದಿ"]},"imported-card-id":"fa1b3f3b-9c8d-4e97-ae5a-6c379cc564d2","card-share":{"shareable":false}},"publish-at":null,"assignee-name":"syndication"}},{"id":"679fc6ad-d3d2-4a79-a5be-0235fea7af80","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ: ಅಗತ್ಯಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ತೆರಿಗೆ ಪಾವತಿ ತಪ್ಪಿಸಲು ಏನು ಮಾಡಬೇಕು?"]},"story":{"updated-at":1719346918025,"seo":{"meta-description":"ವಿಧಿಸಲ್ಪಡುವ ತೆರಿಗೆಯ ಹೆಸರೇನು ಮತ್ತು ಅದು ಎಷ್ಟು? ಅಗತ್ಯಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ತೆರಿಗೆ ಪಾವತಿ ತಪ್ಪಿಸಲು ಇದೀಗ ಯಾವ ಕ್ರಮಗಳನ್ನು ತೆಗೆದುಕೊಳ್ಳಬಹುದು?","meta-keywords":["Tax","Personal Finance"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5510997,"name":"Tax","meta-description":null,"meta-title":null,"slug":"tax","tag-type":"Tag"},{"id":5513849,"name":"Personal Finance","meta-description":null,"meta-title":null,"slug":"personal-finance","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ಅಗತ್ಯಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ತೆರಿಗೆ ಪಾವತಿ ತಪ್ಪಿಸಲು ಏನು ಮಾಡಬೇಕು?","storyline-id":null,"votes":{},"story-content-id":"679fc6ad-d3d2-4a79-a5be-0235fea7af80","slug":"business\u002Fprashnottara\u002Fprashnottara-what-to-do-to-avoid-paying-more-tax-than-necessary-2859548","last-published-at":1719346919769,"public-identifier":"2859548","subheadline":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ ಅವರ ಅಂಕಣ","alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1719314432801,"is-embargoed":false,"owner-name":"syndication","custom-slug":"Prashnottara What to do to avoid paying more tax than necessary?","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"width":500,"height":281,"focus-point":[259,74]},"comments":null,"word-count":417,"story-features":null,"entities":{},"published-at":1719346919769,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7w0sxknbn4x4w3mmnn9","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"679fc6ad-d3d2-4a79-a5be-0235fea7af80","hero-image-s3-key":"prajavani\u002F2024-06\u002F04e5ec24-f762-49b0-8396-b00e5fed7e5a\u002Ftaxweb.jpg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F679fc6ad-d3d2-4a79-a5be-0235fea7af80\u002Felement\u002F6f4e3264-e277-4c0d-9aaf-4b5a33fe8285","type":"text","family-id":"7872f383-6674-43cc-9266-d2fd69e6b72a","title":"","id":"6f4e3264-e277-4c0d-9aaf-4b5a33fe8285","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003E–ಗುಣಶೇಖರ್, ಚಿತ್ರದುರ್ಗ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F679fc6ad-d3d2-4a79-a5be-0235fea7af80\u002Felement\u002F7e9b6123-dd6a-4fc2-9537-8405c916ad6d","type":"text","family-id":"002d0091-578c-4dc9-a9a5-1b6a5ebd44a0","title":"","id":"7e9b6123-dd6a-4fc2-9537-8405c916ad6d","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಶ್ನೆ: 2020ರ ಸೆಪ್ಟೆಂಬರ್ 19ರಂದು ಎಸ್‌ಬಿಐನಲ್ಲಿ ಶೇ 5.40ರ ಬಡ್ಡಿ ದರದಲ್ಲಿ ತಿಂಗಳಿಗೆ ₹5,000ರಂತೆ ಐದು ವರ್ಷಗಳ ಆರ್‌ಡಿ ಖಾತೆ ಪ್ರಾರಂಭಿಸಿದೆ. ಹಾಲಿ ನನ್ನ ಉಳಿತಾಯವು ₹2.30 ಲಕ್ಷ ಆಗಿದೆ. ಬ್ಯಾಂಕ್‌ ಮಾಹಿತಿ ಪ್ರಕಾರ ಮೆಚ್ಯೂರಿಟಿ ಸಂದರ್ಭದಲ್ಲಿ ನನ್ನ ಬಳಿ ₹3,44,850 ಇರುತ್ತದೆ. ನನ್ನ ಖಾತೆಯ ಐದು ವರ್ಷಗಳ ಅವಧಿ ಪೂರ್ಣಗೊಂಡಾಗ ನಾನು ತೆರಿಗೆ ಪಾವತಿಸಬೇಕೇ? ಹಾಗಿದ್ದರೆ, ವಿಧಿಸಲ್ಪಡುವ ತೆರಿಗೆಯ ಹೆಸರೇನು ಮತ್ತು ಅದು ಎಷ್ಟು? ಅಗತ್ಯಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ತೆರಿಗೆ ಪಾವತಿ ತಪ್ಪಿಸಲು ಇದೀಗ ಯಾವ ಕ್ರಮಗಳನ್ನು ತೆಗೆದುಕೊಳ್ಳಬಹುದು?\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F679fc6ad-d3d2-4a79-a5be-0235fea7af80\u002Felement\u002F78d19e36-9479-48df-a21e-dbc41b8eeaae","type":"text","family-id":"e0f653f5-1382-4c63-be5e-83354890df65","title":"","id":"78d19e36-9479-48df-a21e-dbc41b8eeaae","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ: \u003C\u002Fstrong\u003Eನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ ನಿಮ್ಮ ಒಟ್ಟಾರೆ ಐದು ವರ್ಷಗಳ ಮಾಸಿಕ ಹೂಡಿಕೆಯ ಅಸಲು ಮೊತ್ತ ಸುಮಾರು ₹3 ಲಕ್ಷ. ಈ ಅವಧಿಯಲ್ಲಿ ನೀವು ಗಳಿಸುವ ಒಟ್ಟು ಬಡ್ಡಿ ಮೊತ್ತ ₹ 44,850 ಆಗಿರುತ್ತದೆ. ಯಾವುದೇ ತೆರಿಗೆ ಕಡಿತ ಅನ್ವಯ ಮಾಡುವಾಗ ಆದಾಯ ತೆರಿಗೆಯ ಸೆಕ್ಷನ್ 194ಎ ಇದರ ನಿಯಮಾವಳಿಗಳನ್ನು ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F679fc6ad-d3d2-4a79-a5be-0235fea7af80\u002Felement\u002Faa03d5aa-f2ff-415c-9c1f-5650dbd21ca7","type":"text","family-id":"cede8f41-3a3c-4572-aa9e-7f6033f36225","title":"","id":"aa03d5aa-f2ff-415c-9c1f-5650dbd21ca7","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಇದರಂತೆ ಪ್ರತಿ ಆರ್ಥಿಕ ವರ್ಷದಲ್ಲಿ ಒಂದೇ ಬ್ಯಾಂಕ್‌ನಿಂದ ₹40 ಸಾವಿರಕ್ಕೂ ಹೆಚ್ಚು ಬಡ್ಡಿ ಪಾವತಿಯಾಗುವುದಿದ್ದರೆ ಶೇ 10ರ ದರದಲ್ಲಿ ತೆರಿಗೆ ಕಡಿತಗೊಳಿಸಲಾಗುತ್ತದೆ. ನೀವು 60 ವರ್ಷ ಮೀರಿದ ಹಿರಿಯ ನಾಗರಿಕರಾಗಿದ್ದರೆ ಈ ಮಿತಿಯು ₹50 ಸಾವಿರ ಆಗಿರುತ್ತದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F679fc6ad-d3d2-4a79-a5be-0235fea7af80\u002Felement\u002F6a189685-b5c3-4cfb-8887-32b4032cdf71","type":"text","family-id":"c7bcd475-f2c0-44d9-a517-faec42ca4989","title":"","id":"6a189685-b5c3-4cfb-8887-32b4032cdf71","metadata":{},"subtype":null,"text":"\u003Cp\u003Eನೀವು ಗಳಿಸುತ್ತಿರುವ ಬಡ್ಡಿಗೆ ಅನ್ವಯವಾಗುವ ತೆರಿಗೆ ಐದು ವರ್ಷದ ಕೊನೆಗೆ ಪಾವತಿಯಾಗುವುದಿದ್ದರೂ ಅದನ್ನು ಆಯಾ ವರ್ಷದ ಬಡ್ಡಿ ಆದಾಯವೆಂದೇ ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ. ಹೀಗಾಗಿ ನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ಯಾವುದೇ ಒಂದು ವರ್ಷದ ಬಡ್ಡಿ ಮೇಲೆ ಉಲ್ಲೇಖಿಸಿರುವ ಮಿತಿ ಮೀರುವ ಸಾಧ್ಯತೆ ಇರುವುದಿಲ್ಲ. ನೀವು ಬೇರೆ ಉದ್ಯೋಗದಲ್ಲಿದ್ದು, ಈಗಾಗಲೇ ತೆರಿಗೆ ಪಾವತಿಸುತ್ತಿದ್ದರೆ ಅಂತಹ ಆದಾಯದೊಡನೆ ಆರ್‌ಡಿಗೆ ಸಿಗುವ ವಾರ್ಷಿಕ ಬಡ್ಡಿ ಸೇರಿಸಿ ತೆರಿಗೆ ಲೆಕ್ಕ ಹಾಕಬೇಕೆನ್ನುವುದು ಗಮನದಲ್ಲಿ ಇರಲಿ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F679fc6ad-d3d2-4a79-a5be-0235fea7af80\u002Felement\u002F0d552cbb-7d72-4985-9f23-ef5fd2dd3d88","type":"text","family-id":"744aaac8-b8c8-49dc-96c7-c23f6d334151","title":"","id":"0d552cbb-7d72-4985-9f23-ef5fd2dd3d88","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಈ ಬಡ್ಡಿಗೆ ಬ್ಯಾಂಕ್‌ನವರು ಮೇಲಿನ ಮಾಹಿತಿ ಪ್ರಕಾರ ತೆರಿಗೆ ಕಡಿತ ಮಾಡುವ ಅನಿವಾರ್ಯತೆ ಇಲ್ಲವೆಂದಾದರೂ, ನಿಮ್ಮ ಒಟ್ಟಾರೆ ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ಅನ್ವಯವಾಗುವುದಿದ್ದರೆ, ನಿಮಗೆ ಅನ್ವಯವಾಗುವ ತೆರಿಗೆ ದರದಲ್ಲಿ ತೆರಿಗೆ ಪಾವತಿಸಬೇಕಾಗುತ್ತದೆ. ನೀವು ಈ ಬಗ್ಗೆ ಬ್ಯಾಂಕ್‌ನಲ್ಲಿ ವಿಚಾರಿಸಿ ಸಮಸ್ಯೆ ಬಗೆಹರಿಸಿಕೊಳ್ಳಬಹುದು. ಪರ್ಯಾಯವಾಗಿ ನಿಮಗೆ ಮೂಲ ವಿನಾಯಿತಿ ಮಿತಿಗಿಂತ ಆದಾಯ ಕಡಿಮೆ ಇದ್ದಲ್ಲಿ ಹಾಗೂ ತೆರಿಗೆ ಕಡಿತವಾಗುವ ಸಂದೇಹವಿದ್ದಲ್ಲಿ ಫಾರಂ 15ಜಿ ಅಥವಾ ಎಚ್ ಕೂಡ ಬ್ಯಾಂಕ್‌ಗೆ ಸಲ್ಲಿಸಬಹುದು.  \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F679fc6ad-d3d2-4a79-a5be-0235fea7af80\u002Felement\u002F29cfedce-41a9-4d9b-84f3-9c8befbe1fdb","type":"text","family-id":"bb5a5eee-9d39-4184-ab86-89f24edd5659","title":"","id":"29cfedce-41a9-4d9b-84f3-9c8befbe1fdb","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಸಂಧ್ಯಾ, ಬೆಂಗಳೂರು.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F679fc6ad-d3d2-4a79-a5be-0235fea7af80\u002Felement\u002F08c4fd93-50b4-4f50-aed2-1d0bf575309e","type":"text","family-id":"97abc36f-de3e-4fd8-b1c2-12f844d57a10","title":"","id":"08c4fd93-50b4-4f50-aed2-1d0bf575309e","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಶ್ನೆ: ಪ್ರಸ್ತುತ ನಾನು ಖಾಸಗಿ ಕಂಪನಿಯೊಂದರಲ್ಲಿ ಉದ್ಯೋಗದಲ್ಲಿದ್ದು, ಇತ್ತೀಚೆಗೆ ನಾವು ಸಾಕಷ್ಟು ವಿಚಾರಿಸಿ ಮನೆಯೊಂದನ್ನು ಖರೀದಿಸುತ್ತಿದ್ದೇವೆ. ಮನೆಯ ಒಟ್ಟಾರೆ ಮೌಲ್ಯ ಸುಮಾರು ₹75 ಲಕ್ಷ. ಇದರ ಮಾಲೀಕರು ವಿದೇಶದಲ್ಲಿದ್ದು, ಅವರು ಎನ್‌ಆರ್‌ಐ ಎಂಬುದಾಗಿ ತಿಳಿದು ಬಂತು. ನಾವು ಬಲ್ಲ ಮಾಹಿತಿಯಂತೆ ₹50 ಲಕ್ಷಕ್ಕೂ ಮೀರಿದ ಆಸ್ತಿ-ಭೂಮಿ ಇತ್ಯಾದಿ ಸ್ಥಿರ ಆಸ್ತಿಗಳಲ್ಲಿ ವ್ಯವಹರಿಸುವಾಗ ಖರೀದಿಸುವವರು ಮಾರಾಟ ಮಾಡುವವರ ಪ್ಯಾನ್ ಖಾತೆಯಲ್ಲಿ ಟಿಡಿಎಸ್ ಕಡಿತಗೊಳಿಸಬೇಕೆನ್ನುವ ಕಾನೂನು ಇದೆ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F679fc6ad-d3d2-4a79-a5be-0235fea7af80\u002Felement\u002F6e82077a-20ea-4839-929c-24e21f41d6b6","type":"text","family-id":"18e4a622-49aa-4783-a5d5-fc9b65a8de09","title":"","id":"6e82077a-20ea-4839-929c-24e21f41d6b6","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eನಾವು ಈ ಆಸ್ತಿಯನ್ನು ಖರೀದಿಸುವುದಾದರೆ ತೆರಿಗೆ ವಿಚಾರದಲ್ಲಿ ಯಾವ ರೀತಿ ಮುಂದುವರಿಯಬೇಕು. ಅಲ್ಲದೆ ಮಾರಾಟ ಮಾಡುವವರು, ನಾವು ಮಾಡಬೇಕಾಗುವ ತೆರಿಗೆ ಕಡಿತದಿಂದ ವಿನಾಯಿತಿ ಪಡೆಯಬಹುದೇ? ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F679fc6ad-d3d2-4a79-a5be-0235fea7af80\u002Felement\u002F29695182-a03b-4c4e-afe1-756359d5f0b9","type":"text","family-id":"816f5735-17d3-4a92-bced-2533792cefc8","title":"","id":"29695182-a03b-4c4e-afe1-756359d5f0b9","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ\u003C\u002Fstrong\u003E: ಅನಿವಾಸಿ ಭಾರತೀಯರಿಂದ (ಎನ್‌ಆರ್‌ಐ) ಆಸ್ತಿ ಖರೀದಿಸುವಾಗ ಹಲವಾರು ತೆರಿಗೆ ನಿಯಮಗಳನ್ನು ಪಾಲಿಸಬೇಕಾಗುತ್ತದೆ. ಮೊದಲ ಹಂತದಲ್ಲಿ ತೆರಿಗೆ (ಟಿಡಿಎಸ್) ಕಡಿತಕ್ಕಾಗಿ ಖರೀದಿದಾರರು ಟ್ಯಾನ್ ಸಂಖ್ಯೆ ಹೊಂದಿರಬೇಕು. ಇದಕ್ಕಾಗಿ ಖರೀದಿದಾರರಾದ ನೀವು ಟ್ಯಾನ್ ಸಂಖ್ಯೆಯನ್ನು ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಯಿಂದ ಪಡೆಯಬೇಕು. ತದನಂತರ ಅನ್ವಯವಾಗುವ ತೆರಿಗೆ ದರದಂತೆ (ಶೇ 22.88ರಷ್ಟು) ತೆರಿಗೆ ಕಡಿತಗೊಳಿಸಬೇಕು.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F679fc6ad-d3d2-4a79-a5be-0235fea7af80\u002Felement\u002Ff6776a49-ad31-4b11-a7b7-905872a526f8","type":"text","family-id":"098b3ce0-2c0a-44a0-8179-41fcd3981a8a","title":"","id":"f6776a49-ad31-4b11-a7b7-905872a526f8","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಟಿಡಿಎಸ್ ಜಮಾ ಮಾಡಿದ ನಂತರ ಖರೀದಿದಾರರು ಟಿಡಿಎಸ್ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಬೇಕಾಗುತ್ತದೆ. ಈ ಟಿಡಿಎಸ್ ರಿಟರ್ನ್ಸ್‌ ಅನ್ನು ಟಿಡಿಎಸ್ ಕಡಿತಗೊಳಿಸಿದ ತ್ರೈಮಾಸಿಕದ ಅಂತ್ಯದಿಂದ 31 ದಿನಗಳಲ್ಲಿ ಸಲ್ಲಿಸಬೇಕಾಗುತ್ತದೆ. ಈ ರಿಟರ್ನ್ಸ್ ಫಾರ್ಮ್ 27ಕ್ಯು ನಲ್ಲಿ ಸಲ್ಲಿಸಬೇಕು. ಕೊನೆಯ ಹಂತವಾಗಿ ಖರೀದಿದಾರರಾದ ನೀವು ಆಸ್ತಿ ಮಾರಾಟ ಮಾಡಿದವರಿಗೆ ‘ಫಾರ್ಮ್ 16ಎ’ ಅನ್ನು ಒದಗಿಸಬೇಕಾಗುತ್ತದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F679fc6ad-d3d2-4a79-a5be-0235fea7af80\u002Felement\u002F1a036020-07f8-42c4-9daf-ad9f94aea90e","type":"text","family-id":"4981c133-3693-4c2a-b6c3-bbeebd114cda","title":"","id":"1a036020-07f8-42c4-9daf-ad9f94aea90e","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಈ ವ್ಯವಹಾರಕ್ಕೆ ಸಂಬಂಧಿಸಿ ನೀವೇ ಸ್ವತಃ ಟ್ಯಾನ್ ಸಂಖ್ಯೆ ಪಡೆಯುವುದು ತುಸು ಕಷ್ಟವಾಗಬಹುದು. ಹೀಗಾಗಿ ನಿಮ್ಮ ಸಮೀಪದ ತೆರಿಗೆ ಸಲಹೆಗಾರರ ನೆರವು ಪಡೆದು ಕಡಿತಗೊಳಿಸಿದ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಿ. ನಿಮ್ಮ ಖರೀದಿ ಪೂರ್ಣಗೊಂಡ ನಂತರ ಟ್ಯಾನ್ ಸಂಖ್ಯೆಯನ್ನು ರದ್ದು ಮಾಡಲು ಅರ್ಜಿ ಸಲ್ಲಿಸಬಹುದು. ಇನ್ನು ಅನಿವಾಸಿ ಭಾರತೀಯರು ಆಸ್ತಿ ಮಾರಾಟದ ಮೇಲೆ ಟಿಡಿಎಸ್ ಅನ್ನು ತಗ್ಗಿಸಲು ಅಥವಾ ಶೂನ್ಯ ದರದ ಟಿಡಿಎಸ್‌ ಪ್ರಮಾಣ ಪತ್ರ ಪಡೆಯಲು ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಗೆ ‘ಫಾರ್ಮ್ 13’ ಸಲ್ಲಿಸಬೇಕು. ಇದಕ್ಕಾಗಿ ಸ್ಥಳೀಯ ತೆರಿಗೆ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸಬಹುದು.\u003C\u002Fp\u003E"},{"description":"","image-metadata":{"width":1280,"height":1280,"focus-point":[681,279]},"page-url":"\u002Fstory\u002F679fc6ad-d3d2-4a79-a5be-0235fea7af80\u002Felement\u002F0ffc3f81-52b3-464e-a041-53c48da77b57","type":"image","family-id":"63c0df47-e752-4671-8f31-38488c73f975","image-attribution":"","title":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","id":"0ffc3f81-52b3-464e-a041-53c48da77b57","alt-text":"","hyperlink":null,"image-s3-key":"prajavani\u002F2024-06\u002F601dc5d4-332e-49dd-8357-04fc2baf5397\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","metadata":{},"subtype":null},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1719346915611,"content-version-id":"c334fd91-94c2-44e4-8b02-f9cf2371a681","card-added-at":1719314432931,"status":"draft","id":"7fe4c20d-9e38-411c-b8d0-378f1b14d58e","content-id":"7fe4c20d-9e38-411c-b8d0-378f1b14d58e","version":7,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ಅಗತ್ಯಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ತೆರಿಗೆ ಪಾವತಿ ತಪ್ಪಿಸಲು ಏನು ಮಾಡಬೇಕು?","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-06\u002F601dc5d4-332e-49dd-8357-04fc2baf5397\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","url":null,"attribution":"","caption":null,"alt-text":"","metadata":{"width":1280,"height":1280,"focus-point":[681,279]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fprashnottara-what-to-do-to-avoid-paying-more-tax-than-necessary-2859548","story-version-id":"e22aa906-9b23-4e01-a1f8-7956675c57b6","content-type":"story","content-updated-at":1719346919896,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1719346919769,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eತೆರಿಗೆ \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":7,"story-template":"syndicated","sequence-no":null,"created-at":1719346915603,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ ಸುದ್ದಿ"]},"imported-card-id":"7fe4c20d-9e38-411c-b8d0-378f1b14d58e","card-share":{"shareable":false}},"publish-at":null,"assignee-name":"syndication"}},{"id":"6455efcc-c383-4b05-8d6e-446f0810a043","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು, ಆದಾಯ ತೆರಿಗೆ ಕುರಿತಾದ ಪ್ರಶ್ನೆಗಳಿಗೆ ಇಲ್ಲಿದೆ ಉತ್ತರ"]},"story":{"updated-at":1718727624525,"seo":{"meta-description":"ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು, ಆದಾಯ ತೆರಿಗೆ ಕುರಿತಾದ ಪ್ರಶ್ನೆಗಳಿಗೆ ಇಲ್ಲಿದೆ ಉತ್ತರ","meta-keywords":["Financial advice","Financial Services","FinancialSolutions","savings & Investment","Income tax","Tax","investments"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5510997,"name":"Tax","meta-description":null,"meta-title":null,"slug":"tax","tag-type":"Tag"},{"id":5511932,"name":"Income tax","meta-description":null,"meta-title":null,"slug":"income-tax","tag-type":"Tag"},{"id":5513157,"name":"savings & Investment","meta-description":null,"meta-title":null,"slug":"savings-investment","tag-type":"Tag"},{"id":5514883,"name":"Financial advice","meta-description":null,"meta-title":null,"slug":"financial-advice","tag-type":"Tag"},{"id":5514884,"name":"Financial 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ಮಗ ಸಾಫ್ಟ್‌ವೇರ್ ಕಂಪನಿಯೊಂದರಲ್ಲಿ ಉದ್ಯೋಗದಲ್ಲಿದ್ದಾನೆ. ಪ್ರತಿ ತಿಂಗಳು ₹2 ಲಕ್ಷ ಸಂಪಾದನೆ ಇದೆ. ಪ್ರಸ್ತುತ ನಾವು ಬೆಂಗಳೂರಿನಲ್ಲಿ 25 ವರ್ಷ ಹಳೆಯದಾದ ಸ್ವಂತ ಮನೆಯಲ್ಲಿ ವಾಸವಿದ್ದೇವೆ. ಕಳೆದ ಕೆಲವು ವರ್ಷಗಳಿಂದ ಸ್ವಂತ ಮನೆ ಕಟ್ಟಬೇಕೆಂದು ಅಂದಾಜಿಸಿದ್ದೇವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಬೆಂಗಳೂರಿನಂತಹ ದೊಡ್ಡ ನಗರಗಳಲ್ಲಿ ನಿವೇಶನ ಖರೀದಿಸಿ ಮನೆ ಕಟ್ಟುವುದು ಪ್ರಸ್ತುತ ತೀರಾ ದುಸ್ತರದ ಕೆಲಸ. ಹೀಗಾಗಿ, ನಿವೇಶನ ಖರೀದಿಸಿ ಮನೆ ಕಟ್ಟುವ ಬದಲು ಗುಣಮಟ್ಟದ ಮನೆ ಕಟ್ಟುವ ಬಿಲ್ಡರ್ ಕಂಪನಿಗಳ ಜೊತೆ ಸಂಪರ್ಕಿಸಿದೆವು. ಕೆಲವು ಸುತ್ತಿನ ಮಾತುಕತೆ ನಡೆಸಿದ ನಂತರವೂ 2-3 ಕೊಠಡಿಯ ಯಾವುದೇ ಮನೆ ಖರೀದಿಸುವುದಿದ್ದರೂ ಸುಮಾರು ₹1 ಕೋಟಿಗೂ ಮೀರಿದ ಬಜೆಟ್ ನಮ್ಮಲ್ಲಿ ಇರಬೇಕು. ಇದು ಸಾಲದ ಮೂಲವಾದರೂ ಆಗಬಹುದು ಅಥವಾ ನಮ್ಮ ಉಳಿತಾಯದ ಮೊತ್ತವೇ ಆಗಿರಬಹುದು. ಈ ಮೊತ್ತಕ್ಕೆ ಸಾಲ ಪಡೆದರೂ ಶೇ 75ರಷ್ಟು ಮೊತ್ತ ಸಾಲದ ರೂಪದಲ್ಲಿ ಸಿಗುತ್ತದೆ. ಇದರ ಇಎಂಐ ಸುಮಾರು ₹65 ಸಾವಿರ ಬರುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ, ಇಷ್ಟೊಂದು ದೊಡ್ಡ ಮೊತ್ತ 20 ವರ್ಷದ ಕೊನೆಗೆ ಅಸಲು, ಬಡ್ಡಿ ಎಲ್ಲ ಸೇರಿ ಪ್ರಸ್ತುತ ಬೆಲೆಯಲ್ಲಿ ₹1.80 ಕೋಟಿಯಿಂದ ₹2 ಕೋಟಿ ಮೌಲ್ಯವುಳ್ಳದ್ದಾಗಿರುತ್ತದೆ ಎಂಬುದು ಇಎಂಐ ಲೆಕ್ಕಾಚಾರದಿಂದ ಕಂಡು ಬರುವ ಮಾಹಿತಿ. ಆದರೆ, ಆಸ್ತಿಗಳ ಮೌಲ್ಯವು ವೃದ್ಧಿಯಾಗುವ ಕಾರಣ ಈಗಲೇ ನಿರ್ಧರಿಸಿ ಮನೆ ಖರೀದಿಸುವುದು ಸೂಕ್ತವೇ ಅಥವಾ ನಮ್ಮ ನಿರ್ಧಾರ ಬದಲಿಸಿ ಇತರೆ ಹೂಡಿಕೆ ಮಾಡಿ ಮುಂದೆ ಮತ್ತಷ್ಟು ಹಣ ಸಂಗ್ರಹವಾದಾಗ ನಗದು ಪಾವತಿಸಿ ಮನೆ ಖರೀದಿಸುವುದು ಸೂಕ್ತವೇ? ಮುಂದಿನ ಅವಧಿ ದೀರ್ಘವಾಗಿರುವುದರಿಂದ ಇದೇ ಮೊತ್ತ ಬಳಸಿ ಹೆಚ್ಚಿನ ಆದಾಯ ಪಡೆಯಬಹುದೇ. ಈ ಗೊಂದಲಕ್ಕೆ ಸಲಹೆ ನೀಡಿ.\u003C\u002Fp\u003E\u003Cp\u003E- ನಾಗೇಶ್ ಕೆ.ಆರ್., ಮಲ್ಲೇಶ್ವರಂ, ಬೆಂಗಳೂರು.\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನಿಮ್ಮ ಪ್ರಶ್ನೆ ಸಹಜವಾದುದು ಮತ್ತು ಆರ್ಥಿಕ ದೃಷ್ಟಿಯಿಂದ ತುಲನೆ ಮಾಡಿದಾಗ ನಮಗೆ ಯಾವುದು ಹೆಚ್ಚು ಪ್ರಶಸ್ತವೋ ಅದನ್ನು ಯೋಜಿಸಿ ಮಾಡುವುದು ಹೆಚ್ಚು ಸಮಂಜಸ. ಈ ಕಾರಣದಿಂದ ನೀವು ನಿಮ್ಮ ನಿರ್ಧಾರವನ್ನು ತುಸು ಬದಲಾಯಿಸಬೇಕಾಗುತ್ತದೆ. ಎಲ್ಲರಂತೆ ತಮಗೂ ಸ್ವಂತ ಮನೆ ಹೊಂದುವುದು ಹೆಚ್ಚು ಅಗತ್ಯ ಎನ್ನುವುದು ಸಹಜವಾಗಿ ಅನಿಸುತ್ತದೆ. ನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ, ಈಗಾಗಲೇ ನೀವು ಒಂದು ಮನೆ ಹೊಂದಿದ್ದೀರಿ ಹಾಗೂ ನಿಮ್ಮ ಅಗತ್ಯದ ಅನುಕೂಲಕ್ಕೆ ಅದು ಸಾಕೆಂದಾದರೆ ನಿಮ್ಮ ಮಗನ ಆದಾಯದ ಹೂಡಿಕೆ ವಿಚಾರದಲ್ಲಿ ಇನ್ನೂ ಉತ್ತಮ ಅವಕಾಶಗಳನ್ನು ಹುಡುಕುವ ಬಗ್ಗೆ ಯೋಜಿಸಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಮೇಲೆ ಹೇಳಿರುವ ಸಾಲದ ಮೇಲೆ (ಅಂದಾಜು ₹75 ಲಕ್ಷ) ಬರಬಹುದಾದ ಇಎಂಐ ಮೊತ್ತವನ್ನೇ ಒಂದು ಹೂಡಿಕೆಯ ತಂತ್ರವಾಗಿ ಬಳಸಿ ಶೇ 12ರಷ್ಟು ವಾರ್ಷಿಕ ಪ್ರಗತಿಯ ನಿರೀಕ್ಷಿಸುವ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಅಥವಾ ಉತ್ತಮ ಗುಣಮಟ್ಟದ ಷೇರುಗಳಲ್ಲಿ ಮುಂದಿನ 20 ವರ್ಷ ಹೂಡಿಕೆ ಮಾಡಿದರೆ, ನಿಮ್ಮ ಅದೇ ಮೊತ್ತ ಸುಮಾರು ₹6.5 ಕೋಟಿ ಮೀರಿ ಸಂಗ್ರಹವಾಗುತ್ತದೆ. ಅದೇ ಶೇ 15ರ ವಾರ್ಷಿಕ ಪ್ರಗತಿ ದರದಲ್ಲಿ ವೃದ್ಧಿಯಾದರೆ, ₹10 ಕೋಟಿ ತನಕ ನಿಮ್ಮ ಅದೇ ಮೊತ್ತ ವರ್ಧಿಸುತ್ತದೆ. ಬಹುಶಃ ಈ 20 ವರ್ಷದ ಸಮೀಪದ ಅವಧಿಯಲ್ಲಿ ಹೊಸ ಮನೆಯ ನಿರ್ಧಾರ ನೀವು ಕೈಗೊಂಡರೂ ನಿಮ್ಮ ನಿರೀಕ್ಷೆ ಮೀರಿದ ಹೊಚ್ಚ ಹೊಸ ಅತ್ಯುನ್ನತ ದರ್ಜೆಯ ಮನೆ ಖರೀದಿ ಮುಂದೆಯೂ ಸಾಧ್ಯ. ಈ ಬಗೆಗಿನ ವಿಚಾರವನ್ನು ನಿಮ್ಮ ಅನುಕೂಲಕ್ಕೆ ತಕ್ಕಂತೆ ಮರು ಯೋಜಿಸಿ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳಿ.  \u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನನ್ನ ಮಗ ಸಾಫ್ಟ್‌ವೇರ್ ಕಂಪನಿಯೊಂದರಲ್ಲಿ ಉದ್ಯೋಗದಲ್ಲಿದ್ದಾನೆ. ಪ್ರತಿ ತಿಂಗಳು ₹2 ಲಕ್ಷ ಸಂಪಾದನೆ ಇದೆ. ಪ್ರಸ್ತುತ ನಾವು ಬೆಂಗಳೂರಿನಲ್ಲಿ 25 ವರ್ಷ ಹಳೆಯದಾದ ಸ್ವಂತ ಮನೆಯಲ್ಲಿ ವಾಸವಿದ್ದೇವೆ. ಕಳೆದ ಕೆಲವು ವರ್ಷಗಳಿಂದ ಸ್ವಂತ ಮನೆ ಕಟ್ಟಬೇಕೆಂದು ಅಂದಾಜಿಸಿದ್ದೇವೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಬೆಂಗಳೂರಿನಂತಹ ದೊಡ್ಡ ನಗರಗಳಲ್ಲಿ ನಿವೇಶನ ಖರೀದಿಸಿ ಮನೆ ಕಟ್ಟುವುದು ಪ್ರಸ್ತುತ ತೀರಾ ದುಸ್ತರದ ಕೆಲಸ. ಹೀಗಾಗಿ, ನಿವೇಶನ ಖರೀದಿಸಿ ಮನೆ ಕಟ್ಟುವ ಬದಲು ಗುಣಮಟ್ಟದ ಮನೆ ಕಟ್ಟುವ ಬಿಲ್ಡರ್ ಕಂಪನಿಗಳ ಜೊತೆ ಸಂಪರ್ಕಿಸಿದೆವು. ಕೆಲವು ಸುತ್ತಿನ ಮಾತುಕತೆ ನಡೆಸಿದ ನಂತರವೂ 2-3 ಕೊಠಡಿಯ ಯಾವುದೇ ಮನೆ ಖರೀದಿಸುವುದಿದ್ದರೂ ಸುಮಾರು ₹1 ಕೋಟಿಗೂ ಮೀರಿದ ಬಜೆಟ್ ನಮ್ಮಲ್ಲಿ ಇರಬೇಕು. ಇದು ಸಾಲದ ಮೂಲವಾದರೂ ಆಗಬಹುದು ಅಥವಾ ನಮ್ಮ ಉಳಿತಾಯದ ಮೊತ್ತವೇ ಆಗಿರಬಹುದು. ಈ ಮೊತ್ತಕ್ಕೆ ಸಾಲ ಪಡೆದರೂ ಶೇ 75ರಷ್ಟು ಮೊತ್ತ ಸಾಲದ ರೂಪದಲ್ಲಿ ಸಿಗುತ್ತದೆ. ಇದರ ಇಎಂಐ ಸುಮಾರು ₹65 ಸಾವಿರ ಬರುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ, ಇಷ್ಟೊಂದು ದೊಡ್ಡ ಮೊತ್ತ 20 ವರ್ಷದ ಕೊನೆಗೆ ಅಸಲು, ಬಡ್ಡಿ ಎಲ್ಲ ಸೇರಿ ಪ್ರಸ್ತುತ ಬೆಲೆಯಲ್ಲಿ ₹1.80 ಕೋಟಿಯಿಂದ ₹2 ಕೋಟಿ ಮೌಲ್ಯವುಳ್ಳದ್ದಾಗಿರುತ್ತದೆ ಎಂಬುದು ಇಎಂಐ ಲೆಕ್ಕಾಚಾರದಿಂದ ಕಂಡು ಬರುವ ಮಾಹಿತಿ. ಆದರೆ, ಆಸ್ತಿಗಳ ಮೌಲ್ಯವು ವೃದ್ಧಿಯಾಗುವ ಕಾರಣ ಈಗಲೇ ನಿರ್ಧರಿಸಿ ಮನೆ ಖರೀದಿಸುವುದು ಸೂಕ್ತವೇ ಅಥವಾ ನಮ್ಮ ನಿರ್ಧಾರ ಬದಲಿಸಿ ಇತರೆ ಹೂಡಿಕೆ ಮಾಡಿ ಮುಂದೆ ಮತ್ತಷ್ಟು ಹಣ ಸಂಗ್ರಹವಾದಾಗ ನಗದು ಪಾವತಿಸಿ ಮನೆ ಖರೀದಿಸುವುದು ಸೂಕ್ತವೇ? ಮುಂದಿನ ಅವಧಿ ದೀರ್ಘವಾಗಿರುವುದರಿಂದ ಇದೇ ಮೊತ್ತ ಬಳಸಿ ಹೆಚ್ಚಿನ ಆದಾಯ ಪಡೆಯಬಹುದೇ. ಈ ಗೊಂದಲಕ್ಕೆ ಸಲಹೆ ನೀಡಿ.\u003C\u002Fp\u003E\u003Cp\u003E- ನಾಗೇಶ್ ಕೆ.ಆರ್., ಮಲ್ಲೇಶ್ವರಂ, ಬೆಂಗಳೂರು.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನಿಮ್ಮ ಪ್ರಶ್ನೆ ಸಹಜವಾದುದು ಮತ್ತು ಆರ್ಥಿಕ ದೃಷ್ಟಿಯಿಂದ ತುಲನೆ ಮಾಡಿದಾಗ ನಮಗೆ ಯಾವುದು ಹೆಚ್ಚು ಪ್ರಶಸ್ತವೋ ಅದನ್ನು ಯೋಜಿಸಿ ಮಾಡುವುದು ಹೆಚ್ಚು ಸಮಂಜಸ. ಈ ಕಾರಣದಿಂದ ನೀವು ನಿಮ್ಮ ನಿರ್ಧಾರವನ್ನು ತುಸು ಬದಲಾಯಿಸಬೇಕಾಗುತ್ತದೆ. ಎಲ್ಲರಂತೆ ತಮಗೂ ಸ್ವಂತ ಮನೆ ಹೊಂದುವುದು ಹೆಚ್ಚು ಅಗತ್ಯ ಎನ್ನುವುದು ಸಹಜವಾಗಿ ಅನಿಸುತ್ತದೆ. ನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ, ಈಗಾಗಲೇ ನೀವು ಒಂದು ಮನೆ ಹೊಂದಿದ್ದೀರಿ ಹಾಗೂ ನಿಮ್ಮ ಅಗತ್ಯದ ಅನುಕೂಲಕ್ಕೆ ಅದು ಸಾಕೆಂದಾದರೆ ನಿಮ್ಮ ಮಗನ ಆದಾಯದ ಹೂಡಿಕೆ ವಿಚಾರದಲ್ಲಿ ಇನ್ನೂ ಉತ್ತಮ ಅವಕಾಶಗಳನ್ನು ಹುಡುಕುವ ಬಗ್ಗೆ ಯೋಜಿಸಬಹುದು.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಮೇಲೆ ಹೇಳಿರುವ ಸಾಲದ ಮೇಲೆ (ಅಂದಾಜು ₹75 ಲಕ್ಷ) ಬರಬಹುದಾದ ಇಎಂಐ ಮೊತ್ತವನ್ನೇ ಒಂದು ಹೂಡಿಕೆಯ ತಂತ್ರವಾಗಿ ಬಳಸಿ ಶೇ 12ರಷ್ಟು ವಾರ್ಷಿಕ ಪ್ರಗತಿಯ ನಿರೀಕ್ಷಿಸುವ ಮ್ಯೂಚುವಲ್ ಫಂಡ್ ಅಥವಾ ಉತ್ತಮ ಗುಣಮಟ್ಟದ ಷೇರುಗಳಲ್ಲಿ ಮುಂದಿನ 20 ವರ್ಷ ಹೂಡಿಕೆ ಮಾಡಿದರೆ, ನಿಮ್ಮ ಅದೇ ಮೊತ್ತ ಸುಮಾರು ₹6.5 ಕೋಟಿ ಮೀರಿ ಸಂಗ್ರಹವಾಗುತ್ತದೆ. ಅದೇ ಶೇ 15ರ ವಾರ್ಷಿಕ ಪ್ರಗತಿ ದರದಲ್ಲಿ ವೃದ್ಧಿಯಾದರೆ, ₹10 ಕೋಟಿ ತನಕ ನಿಮ್ಮ ಅದೇ ಮೊತ್ತ ವರ್ಧಿಸುತ್ತದೆ. ಬಹುಶಃ ಈ 20 ವರ್ಷದ ಸಮೀಪದ ಅವಧಿಯಲ್ಲಿ ಹೊಸ ಮನೆಯ ನಿರ್ಧಾರ ನೀವು ಕೈಗೊಂಡರೂ ನಿಮ್ಮ ನಿರೀಕ್ಷೆ ಮೀರಿದ ಹೊಚ್ಚ ಹೊಸ ಅತ್ಯುನ್ನತ ದರ್ಜೆಯ ಮನೆ ಖರೀದಿ ಮುಂದೆಯೂ ಸಾಧ್ಯ. ಈ ಬಗೆಗಿನ ವಿಚಾರವನ್ನು ನಿಮ್ಮ ಅನುಕೂಲಕ್ಕೆ ತಕ್ಕಂತೆ ಮರು ಯೋಜಿಸಿ ನಿರ್ಧಾರ ಕೈಗೊಳ್ಳಿ.  \u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F6455efcc-c383-4b05-8d6e-446f0810a043\u002Felement\u002Fa0fba69a-4bd1-4912-b763-b6fb18ae8025","type":"text","family-id":"184db4d4-ab02-4c31-bf65-fd220c5c3eba","title":"","id":"a0fba69a-4bd1-4912-b763-b6fb18ae8025","metadata":{"question":"\u003Cp\u003Eನಾನು ರಾಷ್ಟ್ರೀಕೃತ ಬ್ಯಾಂಕ್ ಒಂದರಲ್ಲಿ ಇತ್ತೀಚೆಗೆ ₹34 ಲಕ್ಷ ಗೃಹ ಸಾಲ ಪಡೆದಿರುತ್ತೇನೆ. ಈ ಸಾಲದ ಅವಧಿಯು 30 ವರ್ಷ. ನಾನು ಸರ್ಕಾರಿ ಸೇವೆಯಲ್ಲಿದ್ದು, ಉಳಿದ ಸೇವಾ ಅವಧಿಯು 15 ವರ್ಷ ಆಗಿರುವುದರಿಂದ ಈ ಸಾಲವನ್ನು 15 ವರ್ಷದ ಅವಧಿಗೆ ತೀರುವಂತೆ ಇಎಂಐ ನಿಗದಿಪಡಿಸಲು ಬ್ಯಾಂಕ್‌ನವರನ್ನು ಕೋರಿದಾಗ ಈಗ ಇದನ್ನು ಬದಲಾಯಿಸಲು ಸಾಧ್ಯವಿಲ್ಲ. ಬೇಕಾದರೆ ಮುಂಗಡವಾಗಿ ಅಸಲನ್ನು ಕಟ್ಟುತ್ತಾ 15 ವರ್ಷಗಳಿಗೆ ಸಾಲ ತೀರಿಸಬಹುದು ಎಂದು ತಿಳಿಸಿರುತ್ತಾರೆ. ನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ, ಈ ರೀತಿ ಮುಂಗಡವಾಗಿ ತೀರಿಸುವುದು ಮತ್ತು 15 ವರ್ಷಗಳ ಇಎಂಐ ಮೂಲಕ ತೀರಿಸುವುದಕ್ಕೆ ಒಟ್ಟಾರೆ ಪಾವತಿ ಒಂದೇ ಆಗುತ್ತದೆಯೆ? ಯಾವುದು ಸೂಕ್ತವಾದುದು? ಈ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ ತಿಳಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003E-ಈಶ್ವರ್, ದಾವಣಗೆರೆ.\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ, ನೀವು ಪಡೆದಿರುವ ಸಾಲ ಸುದೀರ್ಘ ಅವಧಿಯ ಸಾಲವಾಗಿರುತ್ತದೆ. ಉದಾಹರಣೆಗೆ ಶೇ 8.5ರ ಬಡ್ಡಿದರದಂತೆ 30 ವರ್ಷಗಳ ಅವಧಿಯಲ್ಲಿ ನಿಮ್ಮ ಒಟ್ಟಾರೆ ಪಾವತಿ ಸುಮಾರು ₹94.11 ಲಕ್ಷವಾಗಿರುತ್ತದೆ. ಇದರಲ್ಲಿ ಬಡ್ಡಿ ಮೊತ್ತವೇ ಸುಮಾರು ₹60.11 ಲಕ್ಷ. ಅಂದರೆ  ಮೂವತ್ತು ವರ್ಷದ ಅವಧಿಯಲ್ಲಿ ನೀವು ಕಟ್ಟುವ ಬಡ್ಡಿ ಮೊತ್ತವೇ ಅಸಲಿನ ಎರಡು ಪಟ್ಟು.\u003C\u002Fp\u003E\u003Cp\u003E ನಿಮ್ಮ ಉದ್ದೇಶಿತ ಸಾಲದ ಪೂರ್ವ ಪಾವತಿಯ ವಿಚಾರವಾಗಿ ವಿಮರ್ಶಿಸುವುದಾದರೆ, ಬ್ಯಾಂಕ್‌ಗಳು ಸಾಮಾನ್ಯವಾಗಿ ಸಾಲಗಾರನ ಸೇವಾವಧಿಯಲ್ಲೇ ಸಂಪೂರ್ಣ ಸಾಲ ಮರುಪಾವತಿಯಾಗುವಂತೆ ಇಎಂಐ ಕಂತುಗಳನ್ನು ನಿರ್ಧರಿಸುತ್ತವೆ. ಆದರೆ, ನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ಇದು ಸೇವಾ ಅವಧಿಗಿಂತಲೂ ವಿಸ್ತರಿಸಿದಂತಿದೆ. ನಿಮ್ಮ ಪೂರ್ವ ಪಾವತಿಯ ನಿರ್ಧಾರ ಸಮಂಜಸವಾಗಿದೆ. ಬಡ್ಡಿ ಉಳಿತಾಯದ ದೃಷ್ಟಿಯಲ್ಲಿ ಈ ನಿರ್ಧಾರ ಬಹಳಷ್ಟು ಸಹಕಾರಿಯಾಗಲಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಮುಂದಿನ 15 ವರ್ಷಗಳ ಅವಧಿಯಲ್ಲಿ ಒಂದು ತಿಂಗಳಿಗೆ ₹10 ಸಾವಿರದಂತೆ ವರ್ಷಕ್ಕೆ ₹1.20 ಲಕ್ಷದಂತೆ ಹೆಚ್ಚುವರಿ ಪಾವತಿಸುತ್ತಾ ಬನ್ನಿ. ಇದರ ಪರಿಣಾಮ ನಿಮ್ಮ ಸಾಲದ ಅವಧಿ ಕನಿಷ್ಠ ಐದರಿಂದ ಆರು ವರ್ಷ ಮೊದಲೇ ಸಂಪೂರ್ಣ ಪಾವತಿಯಾಗುತ್ತದೆ. ನೀವು ಹೆಚ್ಚುವರಿಯಾಗಿ ಕಟ್ಟುವ ಹಣ ನೇರವಾಗಿ ಸಾಲದ ಅಸಲು ಮೊತ್ತಕ್ಕೆ ವಜಾ ಆಗುತ್ತದೆ ಮತ್ತು ಪ್ರತಿ ತಿಂಗಳ ಇಎಂಐ ಬದಲಾಗದಿದ್ದರೂ ಅದರಲ್ಲಿರುವ ಅಸಲು ಮೊತ್ತದ ಪ್ರಮಾಣ ಪ್ರತಿ ತಿಂಗಳು ಹೆಚ್ಚುತ್ತಾ ಸಾಲದ ಬಾಕಿ ಬೇಗನೆ ಪಾವತಿಯಾಗುವಲ್ಲಿ ನೆರವಾಗುತ್ತದೆ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ರಾಷ್ಟ್ರೀಕೃತ ಬ್ಯಾಂಕ್ ಒಂದರಲ್ಲಿ ಇತ್ತೀಚೆಗೆ ₹34 ಲಕ್ಷ ಗೃಹ ಸಾಲ ಪಡೆದಿರುತ್ತೇನೆ. ಈ ಸಾಲದ ಅವಧಿಯು 30 ವರ್ಷ. ನಾನು ಸರ್ಕಾರಿ ಸೇವೆಯಲ್ಲಿದ್ದು, ಉಳಿದ ಸೇವಾ ಅವಧಿಯು 15 ವರ್ಷ ಆಗಿರುವುದರಿಂದ ಈ ಸಾಲವನ್ನು 15 ವರ್ಷದ ಅವಧಿಗೆ ತೀರುವಂತೆ ಇಎಂಐ ನಿಗದಿಪಡಿಸಲು ಬ್ಯಾಂಕ್‌ನವರನ್ನು ಕೋರಿದಾಗ ಈಗ ಇದನ್ನು ಬದಲಾಯಿಸಲು ಸಾಧ್ಯವಿಲ್ಲ. ಬೇಕಾದರೆ ಮುಂಗಡವಾಗಿ ಅಸಲನ್ನು ಕಟ್ಟುತ್ತಾ 15 ವರ್ಷಗಳಿಗೆ ಸಾಲ ತೀರಿಸಬಹುದು ಎಂದು ತಿಳಿಸಿರುತ್ತಾರೆ. ನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ, ಈ ರೀತಿ ಮುಂಗಡವಾಗಿ ತೀರಿಸುವುದು ಮತ್ತು 15 ವರ್ಷಗಳ ಇಎಂಐ ಮೂಲಕ ತೀರಿಸುವುದಕ್ಕೆ ಒಟ್ಟಾರೆ ಪಾವತಿ ಒಂದೇ ಆಗುತ್ತದೆಯೆ? ಯಾವುದು ಸೂಕ್ತವಾದುದು? ಈ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ ತಿಳಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003E-ಈಶ್ವರ್, ದಾವಣಗೆರೆ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ, ನೀವು ಪಡೆದಿರುವ ಸಾಲ ಸುದೀರ್ಘ ಅವಧಿಯ ಸಾಲವಾಗಿರುತ್ತದೆ. ಉದಾಹರಣೆಗೆ ಶೇ 8.5ರ ಬಡ್ಡಿದರದಂತೆ 30 ವರ್ಷಗಳ ಅವಧಿಯಲ್ಲಿ ನಿಮ್ಮ ಒಟ್ಟಾರೆ ಪಾವತಿ ಸುಮಾರು ₹94.11 ಲಕ್ಷವಾಗಿರುತ್ತದೆ. ಇದರಲ್ಲಿ ಬಡ್ಡಿ ಮೊತ್ತವೇ ಸುಮಾರು ₹60.11 ಲಕ್ಷ. ಅಂದರೆ  ಮೂವತ್ತು ವರ್ಷದ ಅವಧಿಯಲ್ಲಿ ನೀವು ಕಟ್ಟುವ ಬಡ್ಡಿ ಮೊತ್ತವೇ ಅಸಲಿನ ಎರಡು ಪಟ್ಟು.\u003C\u002Fp\u003E\u003Cp\u003E ನಿಮ್ಮ ಉದ್ದೇಶಿತ ಸಾಲದ ಪೂರ್ವ ಪಾವತಿಯ ವಿಚಾರವಾಗಿ ವಿಮರ್ಶಿಸುವುದಾದರೆ, ಬ್ಯಾಂಕ್‌ಗಳು ಸಾಮಾನ್ಯವಾಗಿ ಸಾಲಗಾರನ ಸೇವಾವಧಿಯಲ್ಲೇ ಸಂಪೂರ್ಣ ಸಾಲ ಮರುಪಾವತಿಯಾಗುವಂತೆ ಇಎಂಐ ಕಂತುಗಳನ್ನು ನಿರ್ಧರಿಸುತ್ತವೆ. ಆದರೆ, ನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ಇದು ಸೇವಾ ಅವಧಿಗಿಂತಲೂ ವಿಸ್ತರಿಸಿದಂತಿದೆ. ನಿಮ್ಮ ಪೂರ್ವ ಪಾವತಿಯ ನಿರ್ಧಾರ ಸಮಂಜಸವಾಗಿದೆ. ಬಡ್ಡಿ ಉಳಿತಾಯದ ದೃಷ್ಟಿಯಲ್ಲಿ ಈ ನಿರ್ಧಾರ ಬಹಳಷ್ಟು ಸಹಕಾರಿಯಾಗಲಿದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಮುಂದಿನ 15 ವರ್ಷಗಳ ಅವಧಿಯಲ್ಲಿ ಒಂದು ತಿಂಗಳಿಗೆ ₹10 ಸಾವಿರದಂತೆ ವರ್ಷಕ್ಕೆ ₹1.20 ಲಕ್ಷದಂತೆ ಹೆಚ್ಚುವರಿ ಪಾವತಿಸುತ್ತಾ ಬನ್ನಿ. ಇದರ ಪರಿಣಾಮ ನಿಮ್ಮ ಸಾಲದ ಅವಧಿ ಕನಿಷ್ಠ ಐದರಿಂದ ಆರು ವರ್ಷ ಮೊದಲೇ ಸಂಪೂರ್ಣ ಪಾವತಿಯಾಗುತ್ತದೆ. ನೀವು ಹೆಚ್ಚುವರಿಯಾಗಿ ಕಟ್ಟುವ ಹಣ ನೇರವಾಗಿ ಸಾಲದ ಅಸಲು ಮೊತ್ತಕ್ಕೆ ವಜಾ ಆಗುತ್ತದೆ ಮತ್ತು ಪ್ರತಿ ತಿಂಗಳ ಇಎಂಐ ಬದಲಾಗದಿದ್ದರೂ ಅದರಲ್ಲಿರುವ ಅಸಲು ಮೊತ್ತದ ಪ್ರಮಾಣ ಪ್ರತಿ ತಿಂಗಳು ಹೆಚ್ಚುತ್ತಾ ಸಾಲದ ಬಾಕಿ ಬೇಗನೆ ಪಾವತಿಯಾಗುವಲ್ಲಿ ನೆರವಾಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F6455efcc-c383-4b05-8d6e-446f0810a043\u002Felement\u002F9f248744-249c-42b3-995f-d4ff940ac06f","type":"text","family-id":"7f854013-1216-44f8-a3b7-ab70e0fb7b17","title":"","id":"9f248744-249c-42b3-995f-d4ff940ac06f","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ\u003C\u002Fp\u003E\u003Cp\u003Eಹಣಕಾಸಿಗೆ ಸಂಬಂಧಿಸಿದ ಪ್ರಶ್ನೆಗಳನ್ನು ಪತ್ರದಲ್ಲಿ (ದೂರವಾಣಿ ಸಂಖ್ಯೆ ಸಹಿತ) ಬರೆದು ಕಳುಹಿಸಿ. ವಿಳಾಸ: ಪ್ರಶ್ನೋತ್ತರ, ವಾಣಿಜ್ಯ ವಿಭಾಗ, ಪ್ರಜಾವಾಣಿ, ನಂ.75, ಮಹಾತ್ಮ ಗಾಂಧಿ ರಸ್ತೆ, ಬೆಂಗಳೂರು–560001. ಇ–ಮೇಲ್‌: \u003Cstrong\u003Ebusinessdesk@prajavani.co.in\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1718727621229,"content-version-id":"f359c870-e428-483c-8f1a-723c81ce1243","card-added-at":1718716808784,"status":"draft","id":"0c55fdf0-3002-4314-8754-11d9fb76b68e","content-id":"0c55fdf0-3002-4314-8754-11d9fb76b68e","version":12,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು, ಆದಾಯ ತೆರಿಗೆ ಕುರಿತಾದ ಪ್ರಶ್ನೆಗಳಿಗೆ ಇಲ್ಲಿದೆ ಉತ್ತರ","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002Fimport\u002Fsites\u002Fpv\u002Ffiles\u002Farticle_images\u002F2020\u002F11\u002F29\u002Ffdi1606664613.jpg","url":null,"attribution":null,"alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಬಂಡವಾಳ ಹೂಡಿಕೆ (ಸಾಂದರ್ಭಿಕ ಚಿತ್ರ)\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"width":972,"height":648,"focus-point":[468,315]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Ffinancial-expert-pramod-srikantas-answer-to-some-questions-about-savings-and-investments-income-tax-2850896","story-version-id":"08efcd3a-347a-40eb-9b36-092c46b5f52d","content-type":"story","content-updated-at":1718753400065,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1718753400000,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಬಂಡವಾಳ ಹೂಡಿಕೆ (ಸಾಂದರ್ಭಿಕ ಚಿತ್ರ)\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":12,"story-template":"syndicated","sequence-no":null,"created-at":1718727621221,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ 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funds","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"width":800,"height":456,"focus-point":[480,268]},"comments":null,"word-count":499,"story-features":null,"entities":{},"published-at":1718149440000,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7vtnn2y6lr62w0pw2yw","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"46c5a405-d183-4c0e-b04f-f78e76d87f96","hero-image-s3-key":"prajavani\u002Fimport\u002Fsites\u002Fpv\u002Ffiles\u002Farticle_images\u002F2020\u002F12\u002F14\u002Fmf15735777911607888420.jpg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F46c5a405-d183-4c0e-b04f-f78e76d87f96\u002Felement\u002F1dc3d48c-e08e-4498-9da9-88dace938937","type":"text","family-id":"b0c57742-f624-4206-ac55-ea9a11a65137","title":"","id":"1dc3d48c-e08e-4498-9da9-88dace938937","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಮಂಜುನಾಥ ಜೆ., ಚಿತ್ರದುರ್ಗ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F46c5a405-d183-4c0e-b04f-f78e76d87f96\u002Felement\u002F1be30d91-6104-406e-b5db-3023ffdba40d","type":"text","family-id":"5b924064-b381-478c-9eb1-8ad7fb76c057","title":"","id":"1be30d91-6104-406e-b5db-3023ffdba40d","metadata":{"question":"\u003Cp\u003Eನಾನು ಸರ್ಕಾರಿ ನೌಕರ. ವಯಸ್ಸು 30 ವರ್ಷ. ಸೇವೆಗೆ ಸೇರಿ 4 ವರ್ಷವಾಗಿದೆ. ನಾನು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ನಲ್ಲಿ ಪ್ರತಿ ತಿಂಗಳು ₹5,000ದ ವರೆಗೆ 15ರಿಂದ 20 ವರ್ಷಗಳ ಕಾಲ ಹೂಡಿಕೆ ಮಾಡುವ ಯೋಜನೆ ಇದೆ. ನನಗೆ ಉತ್ತಮ ಆದಾಯ ಸಿಗಬಹುದಾದ ಉಳಿತಾಯ ಯೋಜನೆಯ ಬಗ್ಗೆ ಸಲಹೆ ನೀಡಿ.\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನಿಮ್ಮ ಹೂಡಿಕೆಯ ವಿಚಾರಕ್ಕೆ ಸಂಬಂಧಪಟ್ಟು ಅನೇಕ ಅವಕಾಶಗಳಿವೆ. ಅಲ್ಲದೆ, ಹೂಡಿಕೆಯ ಅವಧಿ ದೀರ್ಘವಾದಂತೆ ಸಿಗುವ ಆದಾಯ ಅಥವಾ ಗಳಿಕೆ ಉತ್ತಮವಾಗುತ್ತದೆ. ನಿಮ್ಮ ಸೇವಾವಧಿಯಲ್ಲಿ ಇನ್ನೂ ಮುಂದಿನ 30 ವರ್ಷಗಳ ಕಾಲ ಸುದೀರ್ಘ ಹೂಡಿಕೆಗೆ ಅವಕಾಶ ಇದೆ. ನೀವು ಅಂದಾಜಿಸಿದಂತೆ 20 ವರ್ಷಗಳ ಕಾಲ ನಿರಂತರ ಹೂಡಿಕೆ ಮಾಡಿದಾಗ ನಿಮ್ಮ ಹೂಡಿಕೆಯ ಅಸಲು ಮೊತ್ತ ಸುಮಾರು ₹12 ಲಕ್ಷ ಆಗಿರುತ್ತದೆ. ಯಾವುದೇ ಆರ್ಥಿಕ ಅಪಾಯ ಇಲ್ಲದ ರೆಕರಿಂಗ್ ಡೆಪಾಸಿಟ್‌ನಲ್ಲಿ ಇದೇ ಮೊತ್ತವನ್ನು ಪ್ರತಿ ತಿಂಗಳೂ ಹೂಡಿಕೆ ಮಾಡಿದರೆ ಇಪ್ಪತ್ತು ವರ್ಷಗಳ ಕೊನೆಗೆ ಅಂದಾಜು ₹29 ಲಕ್ಷ ಸಿಗುತ್ತದೆ. \u003C\u002Fp\u003E\u003Cp\u003Eಆದರೆ, ಇದೇ ಮೊತ್ತವನ್ನು ಈಕ್ವಿಟಿ ವಿಭಾಗದ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿದರೆ, ಷೇರು ಮಾರುಕಟ್ಟೆ ಏರಿಳಿತಕ್ಕೆ ಅನುಗುಣವಾಗಿ ಮೌಲ್ಯ ವರ್ಧಿಸುತ್ತದೆ. ಉದಾಹರಣೆಗೆ ಮುಂದಿನ 20 ವರ್ಷಗಳ ಹೂಡಿಕೆ ಅವಧಿಯಲ್ಲಿ ಪ್ರತಿವರ್ಷ ವಾರ್ಷಿಕವಾಗಿ ಸರಾಸರಿ ಶೇ 10, 15, 20, 25 ವೃದ್ಧಿಯಾದರೆ ನಿಮ್ಮ ₹12 ಲಕ್ಷದ ಹೂಡಿಕೆಯ ಅಂದಾಜು ಮೌಲ್ಯವು ಕ್ರಮವಾಗಿ ₹38 ಲಕ್ಷ, ₹75 ಲಕ್ಷ , ₹1.58 ಕೋಟಿ ಹಾಗೂ ₹3.43 ಕೋಟಿ ಆಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಈಕ್ವಿಟಿ ಲಾರ್ಜ್ ಕ್ಯಾಪ್, ಈಕ್ವಿಟಿ ಬ್ಯಾಲನ್ಸ್ಡ್, ಈಕ್ವಿಟಿ ಫ್ಲೆಕ್ಸಿ ಕ್ಯಾಪ್, ಈಕ್ವಿಟಿ ಸೇವಿಂಗ್ಸ್ ಇತ್ಯಾದಿ ವಿಭಾಗದ ಫಂಡ್‌ಗಳನ್ನು ಆಯ್ಕೆ ಮಾಡಿ. ಇವುಗಳ ಆರ್ಥಿಕ ಅಪಾಯದ ಗುಣಾಂಶ ಒಂದರಿಂದ ಒಂದಕ್ಕೆ ವ್ಯತ್ಯಾಸ ಇರುತ್ತದೆ. ಅದಕ್ಕೆ ಅನುಗುಣವಾಗಿ ಸಿಗುವ ಲಾಭವೂ ವ್ಯತ್ಯಾಸವಾಗುತ್ತದೆ. ನೀವು ನಿಖರವಾದ ಫಂಡ್‌ಗಳ ಆಯ್ಕೆಗೆ ಪರಿಣತ ಫಂಡ್ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸಿ. ಇದಲ್ಲದೆ ಗೋಲ್ಡ್ ಫಂಡ್‌ಗಳಲ್ಲೂ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಪ್ರತಿವರ್ಷ ಆದಾಯ ಹೆಚ್ಚಿದಂತೆ ಶೇ 10ರಂತೆ ನಿಮ್ಮ ಹೂಡಿಕೆ ಮೊತ್ತವನ್ನು ಹೆಚ್ಚಿಸಿ ಮತ್ತಷ್ಟು ಮೌಲ್ಯ ವೃದ್ಧಿಸಬಹುದು.  \u003C\u002Fp\u003E\u003Cp\u003Eನಿಮಗೆ ನಿರಂತರ ಹೂಡಿಕೆ ಮಾಡುವ ಯೋಜನೆ ಇದ್ದರೆ, ಷೇರುಪೇಟೆಯಲ್ಲೂ ಉತ್ತಮ ಕಂಪನಿಗಳ ಷೇರುಗಳಲ್ಲಿ ನಿಗದಿತ ಮೊತ್ತ ನಿರಂತರ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಇಂತಹ ಷೇರುಗಳನ್ನು ಆಯ್ಕೆ ಮಾಡುವ ಮುನ್ನ ಉತ್ತಮ ಆಡಳಿತ, ಏರುತ್ತಿರುವ ವ್ಯವಹಾರ ಹಾಗೂ ಲಾಭ, ಮುಂದಿನ ವರ್ಷಗಳ ದೀರ್ಘ ಯೋಜನೆ ಇರುವ ಕಂಪನಿಗಳಿಗೆ ಪ್ರಾಶಸ್ತ್ಯ ಕೊಡಿ. ನಿಮ್ಮ ಆರ್ಥಿಕ ಚೌಕಟ್ಟು ಮೀರಿ ವ್ಯವಹರಿಸದಿರಿ ಮತ್ತು ದೀರ್ಘಕಾಲದ ಹೂಡಿಕೆ ಮೇಲೆ ಭರವಸೆ ಕಳೆದುಕೊಳ್ಳಬೇಡಿ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಸರ್ಕಾರಿ ನೌಕರ. ವಯಸ್ಸು 30 ವರ್ಷ. ಸೇವೆಗೆ ಸೇರಿ 4 ವರ್ಷವಾಗಿದೆ. ನಾನು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ನಲ್ಲಿ ಪ್ರತಿ ತಿಂಗಳು ₹5,000ದ ವರೆಗೆ 15ರಿಂದ 20 ವರ್ಷಗಳ ಕಾಲ ಹೂಡಿಕೆ ಮಾಡುವ ಯೋಜನೆ ಇದೆ. ನನಗೆ ಉತ್ತಮ ಆದಾಯ ಸಿಗಬಹುದಾದ ಉಳಿತಾಯ ಯೋಜನೆಯ ಬಗ್ಗೆ ಸಲಹೆ ನೀಡಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನಿಮ್ಮ ಹೂಡಿಕೆಯ ವಿಚಾರಕ್ಕೆ ಸಂಬಂಧಪಟ್ಟು ಅನೇಕ ಅವಕಾಶಗಳಿವೆ. ಅಲ್ಲದೆ, ಹೂಡಿಕೆಯ ಅವಧಿ ದೀರ್ಘವಾದಂತೆ ಸಿಗುವ ಆದಾಯ ಅಥವಾ ಗಳಿಕೆ ಉತ್ತಮವಾಗುತ್ತದೆ. ನಿಮ್ಮ ಸೇವಾವಧಿಯಲ್ಲಿ ಇನ್ನೂ ಮುಂದಿನ 30 ವರ್ಷಗಳ ಕಾಲ ಸುದೀರ್ಘ ಹೂಡಿಕೆಗೆ ಅವಕಾಶ ಇದೆ. ನೀವು ಅಂದಾಜಿಸಿದಂತೆ 20 ವರ್ಷಗಳ ಕಾಲ ನಿರಂತರ ಹೂಡಿಕೆ ಮಾಡಿದಾಗ ನಿಮ್ಮ ಹೂಡಿಕೆಯ ಅಸಲು ಮೊತ್ತ ಸುಮಾರು ₹12 ಲಕ್ಷ ಆಗಿರುತ್ತದೆ. ಯಾವುದೇ ಆರ್ಥಿಕ ಅಪಾಯ ಇಲ್ಲದ ರೆಕರಿಂಗ್ ಡೆಪಾಸಿಟ್‌ನಲ್ಲಿ ಇದೇ ಮೊತ್ತವನ್ನು ಪ್ರತಿ ತಿಂಗಳೂ ಹೂಡಿಕೆ ಮಾಡಿದರೆ ಇಪ್ಪತ್ತು ವರ್ಷಗಳ ಕೊನೆಗೆ ಅಂದಾಜು ₹29 ಲಕ್ಷ ಸಿಗುತ್ತದೆ. \u003C\u002Fp\u003E\u003Cp\u003Eಆದರೆ, ಇದೇ ಮೊತ್ತವನ್ನು ಈಕ್ವಿಟಿ ವಿಭಾಗದ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿದರೆ, ಷೇರು ಮಾರುಕಟ್ಟೆ ಏರಿಳಿತಕ್ಕೆ ಅನುಗುಣವಾಗಿ ಮೌಲ್ಯ ವರ್ಧಿಸುತ್ತದೆ. ಉದಾಹರಣೆಗೆ ಮುಂದಿನ 20 ವರ್ಷಗಳ ಹೂಡಿಕೆ ಅವಧಿಯಲ್ಲಿ ಪ್ರತಿವರ್ಷ ವಾರ್ಷಿಕವಾಗಿ ಸರಾಸರಿ ಶೇ 10, 15, 20, 25 ವೃದ್ಧಿಯಾದರೆ ನಿಮ್ಮ ₹12 ಲಕ್ಷದ ಹೂಡಿಕೆಯ ಅಂದಾಜು ಮೌಲ್ಯವು ಕ್ರಮವಾಗಿ ₹38 ಲಕ್ಷ, ₹75 ಲಕ್ಷ , ₹1.58 ಕೋಟಿ ಹಾಗೂ ₹3.43 ಕೋಟಿ ಆಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eಈಕ್ವಿಟಿ ಲಾರ್ಜ್ ಕ್ಯಾಪ್, ಈಕ್ವಿಟಿ ಬ್ಯಾಲನ್ಸ್ಡ್, ಈಕ್ವಿಟಿ ಫ್ಲೆಕ್ಸಿ ಕ್ಯಾಪ್, ಈಕ್ವಿಟಿ ಸೇವಿಂಗ್ಸ್ ಇತ್ಯಾದಿ ವಿಭಾಗದ ಫಂಡ್‌ಗಳನ್ನು ಆಯ್ಕೆ ಮಾಡಿ. ಇವುಗಳ ಆರ್ಥಿಕ ಅಪಾಯದ ಗುಣಾಂಶ ಒಂದರಿಂದ ಒಂದಕ್ಕೆ ವ್ಯತ್ಯಾಸ ಇರುತ್ತದೆ. ಅದಕ್ಕೆ ಅನುಗುಣವಾಗಿ ಸಿಗುವ ಲಾಭವೂ ವ್ಯತ್ಯಾಸವಾಗುತ್ತದೆ. ನೀವು ನಿಖರವಾದ ಫಂಡ್‌ಗಳ ಆಯ್ಕೆಗೆ ಪರಿಣತ ಫಂಡ್ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸಿ. ಇದಲ್ಲದೆ ಗೋಲ್ಡ್ ಫಂಡ್‌ಗಳಲ್ಲೂ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಪ್ರತಿವರ್ಷ ಆದಾಯ ಹೆಚ್ಚಿದಂತೆ ಶೇ 10ರಂತೆ ನಿಮ್ಮ ಹೂಡಿಕೆ ಮೊತ್ತವನ್ನು ಹೆಚ್ಚಿಸಿ ಮತ್ತಷ್ಟು ಮೌಲ್ಯ ವೃದ್ಧಿಸಬಹುದು.  \u003C\u002Fp\u003E\u003Cp\u003Eನಿಮಗೆ ನಿರಂತರ ಹೂಡಿಕೆ ಮಾಡುವ ಯೋಜನೆ ಇದ್ದರೆ, ಷೇರುಪೇಟೆಯಲ್ಲೂ ಉತ್ತಮ ಕಂಪನಿಗಳ ಷೇರುಗಳಲ್ಲಿ ನಿಗದಿತ ಮೊತ್ತ ನಿರಂತರ ಹೂಡಿಕೆ ಮಾಡಬಹುದು. ಇಂತಹ ಷೇರುಗಳನ್ನು ಆಯ್ಕೆ ಮಾಡುವ ಮುನ್ನ ಉತ್ತಮ ಆಡಳಿತ, ಏರುತ್ತಿರುವ ವ್ಯವಹಾರ ಹಾಗೂ ಲಾಭ, ಮುಂದಿನ ವರ್ಷಗಳ ದೀರ್ಘ ಯೋಜನೆ ಇರುವ ಕಂಪನಿಗಳಿಗೆ ಪ್ರಾಶಸ್ತ್ಯ ಕೊಡಿ. ನಿಮ್ಮ ಆರ್ಥಿಕ ಚೌಕಟ್ಟು ಮೀರಿ ವ್ಯವಹರಿಸದಿರಿ ಮತ್ತು ದೀರ್ಘಕಾಲದ ಹೂಡಿಕೆ ಮೇಲೆ ಭರವಸೆ ಕಳೆದುಕೊಳ್ಳಬೇಡಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F46c5a405-d183-4c0e-b04f-f78e76d87f96\u002Felement\u002F8d2041d9-9bf7-4868-b90c-a78a590ffc25","type":"text","family-id":"f5708f6d-7ab3-40c7-95c5-29c6fdb20abd","title":"","id":"8d2041d9-9bf7-4868-b90c-a78a590ffc25","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cem\u003E\u003Cstrong\u003Eಸಿದ್ದರಾಮ ಇಕ್ಕಳಕಿ, ಕಲಬುರಗಿ.  \u003C\u002Fstrong\u003E\u003C\u002Fem\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F46c5a405-d183-4c0e-b04f-f78e76d87f96\u002Felement\u002Fecbe5b2b-ff89-4bb8-96cf-f4650e1af918","type":"text","family-id":"f69e79b7-417e-4b71-948d-6a303ef8f2fc","title":"","id":"ecbe5b2b-ff89-4bb8-96cf-f4650e1af918","metadata":{"question":"\u003Cp\u003Eಕಳೆದ ಒಂದು ವರ್ಷದಿಂದ ನಾನು ಮತ್ತು ನನ್ನ 20  ಗೆಳೆಯರು ಸೇರಿ ಒಂದು ಒಪ್ಪಂದದ ಅನ್ವಯ ಪ್ರತಿ ತಿಂಗಳು ಪ್ರತಿಯೊಬ್ಬರು ₹5,000 ಪಾವತಿಸಿ, ಒಟ್ಟಾಗಿ ₹1 ಲಕ್ಷ  ಕೂಡಿಸಿಕೊಂಡು ತಿಂಗಳಿಗೊಮ್ಮೆ ಯಾರಿಗೆ ಅವಶ್ಯಕತೆ ಇರುತ್ತದೆಯೋ ಅವರಿಗೆ ಕೊಡುತ್ತಾ ಇದ್ದೇವೆ. ನಾವು ಎಲ್ಲ ಸ್ನೇಹಿತರು ಬೇರೆ ಬೇರೆ ಊರುಗಳಲ್ಲಿ ಇರುವುದರಿಂದ ಹಣದ ವಹಿವಾಟು ಯುಪಿಐ ಮೂಲಕ ಪ್ರತಿ ತಿಂಗಳು ನನ್ನ ವೈಯಕ್ತಿಕ ಬ್ಯಾ೦ಕ್ ಉಳಿತಾಯ ಖಾತೆಗೆ ಜಮಾ ಮಾಡಿ ಹಾಗೆ ಅದೇ ಖಾತೆಯಿಂದ ಯುಪಿಐ ಮೂಲಕ ಅವಶ್ಯಕತೆ ಇರುವ ಸ್ನೇಹಿತರಿಗೆ ವರ್ಗಾಯಿಸುತ್ತಿದ್ದೇನೆ. ಈ ಕಾರಣ ನನ್ನ ಖಾತೆಯಲ್ಲಿ ಪ್ರತಿ ತಿಂಗಳು ₹2 ಲಕ್ಷ ಯುಪಿಐ ಮೂಲಕ ವ್ಯವಹಾರ ನಡೆಯುತ್ತಿದೆ. ಇದರಿಂದ ನನಗೆ ಮುಂದೆ ತೆರಿಗೆ ಇಲಾಖೆಯಿಂದ ಏನಾದರೂ ತೆರಿಗೆ ಸಂಬಂಧಿತ ಸಮಸ್ಯೆ ಬರಬಹುದಾ? ಪ್ರಸ್ತುತ ನಾನು ಯಾವುದೇ ಉದ್ಯೋಗ ಮಾಡುತ್ತಿಲ್ಲ.\r\n\r\n\u003C\u002Fp\u003E","answer":"\u003Cp\u003E\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ: \u003C\u002Fstrong\u003Eನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ ನಿಮ್ಮ ಆರ್ಥಿಕ ವ್ಯವಹಾರ ಬಹುತೇಕ ಚಿಟ್ ಫಂಡ್ ವ್ಯವಹಾರದಂತೆ ಕಂಡು ಬರುತ್ತಿದೆ. ಇಂತಹ ವ್ಯವಹಾರವನ್ನು ಕಾನೂನಿನ ಅನ್ವಯ ನಿಯಂತ್ರಿಸಲಾಗುತ್ತದೆ. ಭಾರತದಲ್ಲಿ ಚಿಟ್ ಫಂಡ್ ನಿಯಮ ಜಾರಿಯಲ್ಲಿದ್ದು, ಇದಕ್ಕೆ ಸಂಬಂಧಿತ ಕಾಯ್ದೆಗಳನ್ನು ರಾಜ್ಯ ಸರ್ಕಾರಗಳು ರಿಜಿಸ್ಟ್ರಾರ್ ಅನ್ನು ನೇಮಿಸಿ ನಿಯಂತ್ರಿಸುತ್ತವೆ. ಈ ಸಂಬಂಧ ಅವರಿಂದ ಅಗತ್ಯವುಳ್ಳ ನೋಂದಣಿ ಪಡೆದು ಲೆಕ್ಕ ಪತ್ರಗಳನ್ನೂ ನಿಭಾಯಿಸಬೇಕಾಗುತ್ತದೆ. ಇದರ ಭಾಗವಾಗಿ ಸಂಸ್ಥೆಯ ಹೆಸರಲ್ಲಿ ಅಗತ್ಯ ದಾಖಲೆಗಳೊಡನೆ ಮಾನ್ಯತೆ ಪಡೆದ ಬ್ಯಾಂಕ್‌ಗಳ ಮೂಲಕ ವ್ಯವಹರಿಸುವುದು ಸೂಕ್ತ.\u003C\u002Fp\u003E\u003Cp\u003Eಯಾವುದೇ ಸಂದರ್ಭದಲ್ಲಿ ಸಣ್ಣ ಮಟ್ಟದಲ್ಲಿ ಆರಂಭವಾಗುವ ಇಂತಹ ವ್ಯವಹಾರಗಳು ಮುಂದೆ ದೊಡ್ಡ ಮಟ್ಟಕ್ಕೆ ನಿಧಾನವಾಗಿ ವರ್ಧಿಸುತ್ತವೆ. ಆಗ ಸಮಸ್ಯೆ ಆರಂಭವಾಗುತ್ತದೆ. ಹೀಗಾಗಿ ಇಂತಹ ವ್ಯವಹಾರಗಳನ್ನು ಸಾರ್ವಜನಿಕರೊಂದಿಗೆ ಮಾಡುವಾಗ ವೈಯಕ್ತಿಕ ಬ್ಯಾಂಕ್ ಖಾತೆ ಬಳಸಿ ಮಾಡುವ ಬದಲು, ಅಧಿಕೃತ ಮಾನ್ಯತೆ ಪಡೆದು ನಿಮ್ಮ ಆಡಳಿತ ನಿಯಮದ ಭಾಗವಾಗಿ ಸಂಸ್ಥೆಯ ಹೆಸರಲ್ಲೇ ಖಾತೆ ತೆರೆದು ವ್ಯವಹರಿಸಿ. ಇದು ವ್ಯವಹಾರದಲ್ಲಿ ಹೆಚ್ಚಿನ ಪಾರದರ್ಶಕತೆ ಹಾಗೂ ವಿಶ್ವಾಸಾರ್ಹತೆಯನ್ನು ಗಳಿಸಿಕೊಡುತ್ತದೆ.  \u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನು ನಿಮ್ಮ ಆದಾಯ ತೆರಿಗೆಗೆ ಸಂಬಂಧಿಸಿದ ವಿಚಾರವಾಗಿ ಹೇಳುವುದಾದರೆ, ನೀವು ಪ್ರತಿ ತಿಂಗಳೂ ₹2 ಲಕ್ಷ ಮೊತ್ತ ಸಂಗ್ರಹಿಸುತ್ತಿದ್ದೀರಿ. ಇದು ವಾರ್ಷಿಕವಾಗಿ ₹24 ಲಕ್ಷ. ಕ್ರಮೇಣ ಈ ಮೊತ್ತವನ್ನು ನಿಮ್ಮ ಸಂಸ್ಥೆಯ ಹೆಸರಲ್ಲೇ ಬ್ಯಾಂಕ್ ಖಾತೆ ತೆರೆದು ವ್ಯವಹರಿಸಿ. ವೈಯಕ್ತಿಕ ವ್ಯವಹಾರವನ್ನು ಸಂಸ್ಥೆಯ ಆರ್ಥಿಕ ವ್ಯವಹಾರದೊಡನೆ ಬೆರೆಸುವುದು ನಿಮಗೂ- ಸಂಸ್ಥೆಗೂ ಸಮಸ್ಯೆಯಾಗಬಹುದು. ಹೀಗಾಗಿ ಮುಂದಿನ ದಿನಗಳಲ್ಲಿ ನಿಮಗೆ ಬಂದ ಮೊತ್ತವನ್ನು ‘ನಿಮ್ಮ ಆದಾಯ’ ಎಂದು ಯಾಕೆ ಪರಿಗಣಿಸಬಾರದು ಎಂದು ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆ ಪ್ರಶ್ನಿಸಿದರೆ ಅದಕ್ಕೆ ಸಮರ್ಪಕ ಉತ್ತರ ನೀಡಲು ಸಾಕಷ್ಟು ಸಮಜಾಯಿಷಿ ನೀಡಬೇಕಾಗುತ್ತದೆ. \u003C\u002Fp\u003E\u003Cp\u003Eಪ್ರಸ್ತುತ ನೀವು ಯಾವುದೇ ಉದ್ಯೋಗ ಹೊಂದಿರದಿದ್ದರೂ, ನಿಮ್ಮ ವೈಯಕ್ತಿಕ ಖಾತೆಯಲ್ಲಿ ವ್ಯವಹಾರವಾಗುತ್ತಿರುವ ಕಾರಣ ತೆರಿಗೆ ಇಲಾಖೆಯಿಂದ ನೋಟಿಸ್ ಬರದಿರುವ ಸಾಧ್ಯತೆಗಳನ್ನು ಅಲ್ಲಗಳೆಯುವಂತಿಲ್ಲ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eಕಳೆದ ಒಂದು ವರ್ಷದಿಂದ ನಾನು ಮತ್ತು ನನ್ನ 20  ಗೆಳೆಯರು ಸೇರಿ ಒಂದು ಒಪ್ಪಂದದ ಅನ್ವಯ ಪ್ರತಿ ತಿಂಗಳು ಪ್ರತಿಯೊಬ್ಬರು ₹5,000 ಪಾವತಿಸಿ, ಒಟ್ಟಾಗಿ ₹1 ಲಕ್ಷ  ಕೂಡಿಸಿಕೊಂಡು ತಿಂಗಳಿಗೊಮ್ಮೆ ಯಾರಿಗೆ ಅವಶ್ಯಕತೆ ಇರುತ್ತದೆಯೋ ಅವರಿಗೆ ಕೊಡುತ್ತಾ ಇದ್ದೇವೆ. ನಾವು ಎಲ್ಲ ಸ್ನೇಹಿತರು ಬೇರೆ ಬೇರೆ ಊರುಗಳಲ್ಲಿ ಇರುವುದರಿಂದ ಹಣದ ವಹಿವಾಟು ಯುಪಿಐ ಮೂಲಕ ಪ್ರತಿ ತಿಂಗಳು ನನ್ನ ವೈಯಕ್ತಿಕ ಬ್ಯಾ೦ಕ್ ಉಳಿತಾಯ ಖಾತೆಗೆ ಜಮಾ ಮಾಡಿ ಹಾಗೆ ಅದೇ ಖಾತೆಯಿಂದ ಯುಪಿಐ ಮೂಲಕ ಅವಶ್ಯಕತೆ ಇರುವ ಸ್ನೇಹಿತರಿಗೆ ವರ್ಗಾಯಿಸುತ್ತಿದ್ದೇನೆ. ಈ ಕಾರಣ ನನ್ನ ಖಾತೆಯಲ್ಲಿ ಪ್ರತಿ ತಿಂಗಳು ₹2 ಲಕ್ಷ ಯುಪಿಐ ಮೂಲಕ ವ್ಯವಹಾರ ನಡೆಯುತ್ತಿದೆ. ಇದರಿಂದ ನನಗೆ ಮುಂದೆ ತೆರಿಗೆ ಇಲಾಖೆಯಿಂದ ಏನಾದರೂ ತೆರಿಗೆ ಸಂಬಂಧಿತ ಸಮಸ್ಯೆ ಬರಬಹುದಾ? ಪ್ರಸ್ತುತ ನಾನು ಯಾವುದೇ ಉದ್ಯೋಗ ಮಾಡುತ್ತಿಲ್ಲ.\r\n\r\n\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E \u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ: \u003C\u002Fstrong\u003Eನೀವು ನೀಡಿರುವ ಮಾಹಿತಿಯಂತೆ ನಿಮ್ಮ ಆರ್ಥಿಕ ವ್ಯವಹಾರ ಬಹುತೇಕ ಚಿಟ್ ಫಂಡ್ ವ್ಯವಹಾರದಂತೆ ಕಂಡು ಬರುತ್ತಿದೆ. ಇಂತಹ ವ್ಯವಹಾರವನ್ನು ಕಾನೂನಿನ ಅನ್ವಯ ನಿಯಂತ್ರಿಸಲಾಗುತ್ತದೆ. ಭಾರತದಲ್ಲಿ ಚಿಟ್ ಫಂಡ್ ನಿಯಮ ಜಾರಿಯಲ್ಲಿದ್ದು, ಇದಕ್ಕೆ ಸಂಬಂಧಿತ ಕಾಯ್ದೆಗಳನ್ನು ರಾಜ್ಯ ಸರ್ಕಾರಗಳು ರಿಜಿಸ್ಟ್ರಾರ್ ಅನ್ನು ನೇಮಿಸಿ ನಿಯಂತ್ರಿಸುತ್ತವೆ. ಈ ಸಂಬಂಧ ಅವರಿಂದ ಅಗತ್ಯವುಳ್ಳ ನೋಂದಣಿ ಪಡೆದು ಲೆಕ್ಕ ಪತ್ರಗಳನ್ನೂ ನಿಭಾಯಿಸಬೇಕಾಗುತ್ತದೆ. ಇದರ ಭಾಗವಾಗಿ ಸಂಸ್ಥೆಯ ಹೆಸರಲ್ಲಿ ಅಗತ್ಯ ದಾಖಲೆಗಳೊಡನೆ ಮಾನ್ಯತೆ ಪಡೆದ ಬ್ಯಾಂಕ್‌ಗಳ ಮೂಲಕ ವ್ಯವಹರಿಸುವುದು ಸೂಕ್ತ.\u003C\u002Fp\u003E\u003Cp\u003Eಯಾವುದೇ ಸಂದರ್ಭದಲ್ಲಿ ಸಣ್ಣ ಮಟ್ಟದಲ್ಲಿ ಆರಂಭವಾಗುವ ಇಂತಹ ವ್ಯವಹಾರಗಳು ಮುಂದೆ ದೊಡ್ಡ ಮಟ್ಟಕ್ಕೆ ನಿಧಾನವಾಗಿ ವರ್ಧಿಸುತ್ತವೆ. ಆಗ ಸಮಸ್ಯೆ ಆರಂಭವಾಗುತ್ತದೆ. ಹೀಗಾಗಿ ಇಂತಹ ವ್ಯವಹಾರಗಳನ್ನು ಸಾರ್ವಜನಿಕರೊಂದಿಗೆ ಮಾಡುವಾಗ ವೈಯಕ್ತಿಕ ಬ್ಯಾಂಕ್ ಖಾತೆ ಬಳಸಿ ಮಾಡುವ ಬದಲು, ಅಧಿಕೃತ ಮಾನ್ಯತೆ ಪಡೆದು ನಿಮ್ಮ ಆಡಳಿತ ನಿಯಮದ ಭಾಗವಾಗಿ ಸಂಸ್ಥೆಯ ಹೆಸರಲ್ಲೇ ಖಾತೆ ತೆರೆದು ವ್ಯವಹರಿಸಿ. ಇದು ವ್ಯವಹಾರದಲ್ಲಿ ಹೆಚ್ಚಿನ ಪಾರದರ್ಶಕತೆ ಹಾಗೂ ವಿಶ್ವಾಸಾರ್ಹತೆಯನ್ನು ಗಳಿಸಿಕೊಡುತ್ತದೆ.  \u003C\u002Fp\u003E\u003Cp\u003Eಇನ್ನು ನಿಮ್ಮ ಆದಾಯ ತೆರಿಗೆಗೆ ಸಂಬಂಧಿಸಿದ ವಿಚಾರವಾಗಿ ಹೇಳುವುದಾದರೆ, ನೀವು ಪ್ರತಿ ತಿಂಗಳೂ ₹2 ಲಕ್ಷ ಮೊತ್ತ ಸಂಗ್ರಹಿಸುತ್ತಿದ್ದೀರಿ. ಇದು ವಾರ್ಷಿಕವಾಗಿ ₹24 ಲಕ್ಷ. ಕ್ರಮೇಣ ಈ ಮೊತ್ತವನ್ನು ನಿಮ್ಮ ಸಂಸ್ಥೆಯ ಹೆಸರಲ್ಲೇ ಬ್ಯಾಂಕ್ ಖಾತೆ ತೆರೆದು ವ್ಯವಹರಿಸಿ. ವೈಯಕ್ತಿಕ ವ್ಯವಹಾರವನ್ನು ಸಂಸ್ಥೆಯ ಆರ್ಥಿಕ ವ್ಯವಹಾರದೊಡನೆ ಬೆರೆಸುವುದು ನಿಮಗೂ- ಸಂಸ್ಥೆಗೂ ಸಮಸ್ಯೆಯಾಗಬಹುದು. ಹೀಗಾಗಿ ಮುಂದಿನ ದಿನಗಳಲ್ಲಿ ನಿಮಗೆ ಬಂದ ಮೊತ್ತವನ್ನು ‘ನಿಮ್ಮ ಆದಾಯ’ ಎಂದು ಯಾಕೆ ಪರಿಗಣಿಸಬಾರದು ಎಂದು ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆ ಪ್ರಶ್ನಿಸಿದರೆ ಅದಕ್ಕೆ ಸಮರ್ಪಕ ಉತ್ತರ ನೀಡಲು ಸಾಕಷ್ಟು ಸಮಜಾಯಿಷಿ ನೀಡಬೇಕಾಗುತ್ತದೆ. \u003C\u002Fp\u003E\u003Cp\u003Eಪ್ರಸ್ತುತ ನೀವು ಯಾವುದೇ ಉದ್ಯೋಗ ಹೊಂದಿರದಿದ್ದರೂ, ನಿಮ್ಮ ವೈಯಕ್ತಿಕ ಖಾತೆಯಲ್ಲಿ ವ್ಯವಹಾರವಾಗುತ್ತಿರುವ ಕಾರಣ ತೆರಿಗೆ ಇಲಾಖೆಯಿಂದ ನೋಟಿಸ್ ಬರದಿರುವ ಸಾಧ್ಯತೆಗಳನ್ನು ಅಲ್ಲಗಳೆಯುವಂತಿಲ್ಲ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1718134996768,"content-version-id":"96aeb785-0240-4cd1-8c33-3216e49badde","card-added-at":1718112638716,"status":"draft","id":"331e24c4-5baa-455c-8925-2e58a9430c17","content-id":"331e24c4-5baa-455c-8925-2e58a9430c17","version":3,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ ಅಂಕಣ: ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ ಬಗ್ಗೆ ಮಾಹಿತಿ","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002Fimport\u002Fsites\u002Fpv\u002Ffiles\u002Farticle_images\u002F2020\u002F12\u002F14\u002Fmf15735777911607888420.jpg","url":null,"attribution":null,"alt-text":null,"caption":"ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ (ಸಾಂದರ್ಭಿಕ ಚಿತ್ರ)","metadata":{"width":800,"height":456,"focus-point":[480,268]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fprashnottara-column-on-mutual-funds-2841764","story-version-id":"4c4ec1de-248f-473e-80cc-f99440244200","content-type":"story","content-updated-at":1718149439393,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1718149440000,"hero-image-caption":"ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ (ಸಾಂದರ್ಭಿಕ ಚಿತ್ರ)","version":3,"story-template":"syndicated","sequence-no":null,"created-at":1718134996759,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ಪ್ರಶ್ನೋತ್ತರ"]},"imported-card-id":"331e24c4-5baa-455c-8925-2e58a9430c17","card-share":{"shareable":false}},"publish-at":1718149440000,"assignee-name":"syndication"}},{"id":"5a86a9c9-55b9-44ce-bc74-3b0b8d9a0da4","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ: ಸರ್ಕಾರಿ ನೌಕರರು ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದೇ?"]},"story":{"updated-at":1717613715640,"seo":{"meta-description":"ಕಳೆದ 10 ವರ್ಷಗಳಿಂದ ನಾನು ಸರ್ಕಾರಿ ನೌಕರನಾಗಿ ಕರ್ತವ್ಯ ನಿರ್ವಹಿಸುತ್ತಿದ್ದೇನೆ. ಕಳೆದ ಮೂರು ತಿಂಗಳಿನಿಂದ ಷೇರು ಮಾರುಕಟ್ಟೆ ಹಾಗೂ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿದ್ದೇನೆ. ನಾನು ಸರ್ಕಾರಿ ನೌಕರನಾಗಿರುವುದರಿಂದ ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದೇ? ಅಥವಾ ನನಗೆ ಹಣ ಹೂಡಲು ನಿರ್ಬಂಧ ಇದೆಯೇ","meta-keywords":["shares","Investment","Stock market","question and answer"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5509830,"name":"Stock market","meta-description":null,"meta-title":null,"slug":"stock-market","tag-type":"Tag"},{"id":5510710,"name":"Investment","meta-description":null,"meta-title":null,"slug":"investment","tag-type":"Tag"},{"id":5513777,"name":"shares","meta-description":null,"meta-title":null,"slug":"shares","tag-type":"Tag"},{"id":5514291,"name":"question and answer","meta-description":null,"meta-title":null,"slug":"question-and-answer","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ಸರ್ಕಾರಿ ನೌಕರರು ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದೇ?","storyline-id":null,"votes":{},"story-content-id":"5a86a9c9-55b9-44ce-bc74-3b0b8d9a0da4","slug":"business\u002Fprashnottara\u002Fquestion-and-answer-can-government-employees-invest-in-stock-market-2832748","last-published-at":1717631760000,"public-identifier":"2832748","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1717493707153,"is-embargoed":false,"owner-name":"syndication","custom-slug":"Question and Answer Can government employees invest in stock market","push-notification":null,"publisher-id":4234,"hero-image-metadata":{},"comments":null,"word-count":545,"story-features":null,"entities":{},"published-at":1717631760000,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7vpz9h01y6w1un23eu","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"5a86a9c9-55b9-44ce-bc74-3b0b8d9a0da4","hero-image-s3-key":"prajavani\u002Fimport\u002Fsites\u002Fpv\u002Ffiles\u002Farticle_images\u002F2020\u002F07\u002F05\u002Ffile6xvb6r9dubnxw3dnaew1593948481.jpg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F5a86a9c9-55b9-44ce-bc74-3b0b8d9a0da4\u002Felement\u002F2ca6c6f4-56a3-40a6-80c4-faea50240338","type":"text","family-id":"011ca46b-abbf-45f1-af9b-a3fb4b3e3f8a","title":"","id":"2ca6c6f4-56a3-40a6-80c4-faea50240338","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಶ್ನೆ:\u003C\u002Fstrong\u003E ಕಳೆದ 10 ವರ್ಷಗಳಿಂದ ನಾನು ಸರ್ಕಾರಿ ನೌಕರನಾಗಿ ಕರ್ತವ್ಯ ನಿರ್ವಹಿಸುತ್ತಿದ್ದೇನೆ. ಕಳೆದ ಮೂರು ತಿಂಗಳಿನಿಂದ ಷೇರು ಮಾರುಕಟ್ಟೆ ಹಾಗೂ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿದ್ದೇನೆ. ನಾನು ಸರ್ಕಾರಿ ನೌಕರನಾಗಿರುವುದರಿಂದ ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದೇ? ಅಥವಾ ನನಗೆ ಹಣ ಹೂಡಲು ನಿರ್ಬಂಧ ಇದೆಯೇ? ಇದಕ್ಕೆ ಸರ್ಕಾರದಿಂದ ಅನುಮತಿ ಪಡೆಯಬೇಕೇ? ಈ ಬಗ್ಗೆ ಮಾಹಿತಿ ನೀಡಲು ಮನವಿ. – \u003Cstrong\u003Eಅಂಬರೀಶ್‌ ಕುಂಬಾರಿ, ಊರು ತಿಳಿಸಿಲ್ಲ.\u003C\u002Fstrong\u003E \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F5a86a9c9-55b9-44ce-bc74-3b0b8d9a0da4\u002Felement\u002F2c2de21a-16c4-4f77-b1b8-bee587c93459","type":"text","family-id":"47e76d09-61be-4a0e-8b13-539d57a35dac","title":"","id":"2c2de21a-16c4-4f77-b1b8-bee587c93459","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ:\u003C\u002Fstrong\u003E ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಎಲ್ಲಾ ವರ್ಗದ ವ್ಯಕ್ತಿಗಳಿಗೆ ಮುಕ್ತ ಅವಕಾಶ ಇದ್ದರೂ ಸರ್ಕಾರಿ ನೌಕರಿಯಲ್ಲಿರುವ ವ್ಯಕ್ತಿಗಳ ವಿಚಾರಕ್ಕೆ ಬಂದಾಗ ಕೆಲವು ನಿಯಮಗಳನ್ನು ಅವರ ನಾಗರಿಕ ಸೇವಾ ನಿಯಮದಲ್ಲಿ ಉಲ್ಲೇಖಿಸಲಾಗಿದೆ. ಕೇಂದ್ರ ನಾಗರಿಕ ಸೇವಾ ನಿಯಮಾವಳಿ 1964ರಲ್ಲಿ ಈ ಕುರಿತು ಸ್ಪಷ್ಟವಾಗಿ ನಮೂದಿಸಲಾಗಿದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F5a86a9c9-55b9-44ce-bc74-3b0b8d9a0da4\u002Felement\u002F7fbf2246-37e3-41bd-bf2b-976be194a31d","type":"text","family-id":"e9a20e83-5142-43fd-b82f-29af03fa8c72","title":"","id":"7fbf2246-37e3-41bd-bf2b-976be194a31d","metadata":{},"subtype":null,"text":"\u003Cp\u003Eನಿಯಮ 16ರ ಅನ್ವಯ ಯಾವುದೇ ಸರ್ಕಾರಿ ಉದ್ಯೋಗಿಗಳು ಷೇರು ಅಥವಾ ಇತರೆ ಹೂಡಿಕೆ ಉತ್ಪನ್ನದಲ್ಲಿ ತ್ವರಿತ ದರ ಏರಿಳಿತ (ಸ್ಪೆಕ್ಯುಲೇಟಿವ್) ರೂಪದಲ್ಲಿರುವ ವ್ಯವಹಾರದಲ್ಲಿ ತೊಡಗಿಸಿಕೊಳ್ಳುವುದನ್ನು ನಿರ್ಬಂಧಿಸಲಾಗಿದೆ. ಈ ನಿಯಮವು ಕೇಂದ್ರ ಸರ್ಕಾರ, ರಾಜ್ಯ ಸರ್ಕಾರ ಅಥವಾ ಕೇಂದ್ರಾಡಳಿತ ಪ್ರದೇಶ, ಕಾರ್ಪೊರೇಷನ್, ಸರ್ಕಾರಿ ಕಂಪನಿಗಳು ಇತ್ಯಾದಿ ಸಂಸ್ಥೆಗಳಲ್ಲಿ ಉದ್ಯೋಗ ಮಾಡುವ ಎಲ್ಲಾ ನೌಕರರಿಗೂ ಅನ್ವಯಿಸುತ್ತದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F5a86a9c9-55b9-44ce-bc74-3b0b8d9a0da4\u002Felement\u002F7f56afb9-64ea-4cb3-a175-0f2c1141dcfe","type":"text","family-id":"2d663095-1a25-4e29-82a0-86533137018e","title":"","id":"7f56afb9-64ea-4cb3-a175-0f2c1141dcfe","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಸರ್ಕಾರಿ ನೌಕರಿಯಲ್ಲಿರುವ ವ್ಯಕ್ತಿಗಳಿಗೆ ತಮ್ಮ ವೃತ್ತಿ ನಿರ್ವಹಿಸುವಾಗ ಅನೇಕ ಮಾಹಿತಿಗಳು ಸರ್ಕಾರದ ಸೇವಾವಧಿಯಲ್ಲಿ ಅವರ ನಿಯಂತ್ರಣ ಹಾಗೂ ನಿರ್ವಹಣೆಗೆ ಬರುತ್ತವೆ. ಹಾಗಾಗಿ, ಅವರು ಅನಗತ್ಯವಾಗಿ ಆರ್ಥಿಕ ಆಮಿಷಗಳಿಗೆ ಒಳಗಾಗಬಾರದೆಂಬ ಕಾರಣಕ್ಕೆ ಇಂತಹ ಕೆಲವು ನಿರ್ಬಂಧ ವಿಧಿಸಲಾಗಿದೆ.  \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F5a86a9c9-55b9-44ce-bc74-3b0b8d9a0da4\u002Felement\u002F441558d6-adc3-48ab-9a8b-c71504a17c30","type":"text","family-id":"afd22e34-dc95-41bf-b912-07497355e081","title":"","id":"441558d6-adc3-48ab-9a8b-c71504a17c30","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಆದರೆ, ಕೇವಲ ಹೂಡಿಕೆ ದೃಷ್ಟಿಯಿಂದ ಮಾಡುವ ವ್ಯವಹಾರ ಇದರಲ್ಲಿ ಒಳಗೊಳ್ಳುವುದಿಲ್ಲ. ಕೆಲವೊಂದು ರೀತಿಯ ಹೂಡಿಕೆಗಳಿಗೆ ರಿಯಾಯಿತಿಯನ್ನೂ ನೀಡಲಾಗಿದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F5a86a9c9-55b9-44ce-bc74-3b0b8d9a0da4\u002Felement\u002F3586a902-9078-4bba-9c4a-ef1ef13ba574","type":"text","family-id":"13dafea8-92f9-44f3-99e6-f2b0a2a76a06","title":"","id":"3586a902-9078-4bba-9c4a-ef1ef13ba574","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಉದಾಹರಣೆಗೆ ಹಂತ ಹಂತವಾಗಿ ಷೇರುಗಳನ್ನು ದೀರ್ಘಾವಧಿಗೆ ಖರೀದಿಸಿ ಕೆಲವು ತಿಂಗಳ ಬಳಿಕ ಮಾರಾಟ ಮಾಡಿದಾಗ ಅದು ಹೂಡಿಕೆ ಎಂದೇ ಪರಿಗಣಿಸಲ್ಪಡುತ್ತದೆ. ನಿಷೇಧಿತ ಪರಿಮಿತಿಯಲ್ಲಿ ಕರೆನ್ಸಿ ಹಾಗೂ ಕಮೋಡಿಟಿ ವಹಿವಾಟು, ಫ್ಯೂಚರ್ಸ್ ಮತ್ತು ಆಪ್ಶನ್ ವ್ಯವಹಾರ ಅಥವಾ ಇಂಟ್ರಾಡೇ ಟ್ರೇಡಿಂಗ್ ಇತ್ಯಾದಿಗಳೂ ಇಲ್ಲಿ ಬಹುಮುಖ್ಯವಾಗಿ ಒಳಗೊಳ್ಳುತ್ತವೆ. ಕಾರಣ ಇವೆಲ್ಲಾ ಪದೇ ಪದೇ ವ್ಯವಹರಿಸಲ್ಪಡುವ ಸ್ಪೆಕ್ಯುಲೇಟಿವ್ ಮಾರುಕಟ್ಟೆಯ ಉತ್ಪನ್ನಗಳಾಗಿವೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F5a86a9c9-55b9-44ce-bc74-3b0b8d9a0da4\u002Felement\u002F251629a4-92cb-45a2-a1af-aa4705ed8469","type":"text","family-id":"b5eb6ad8-72b1-495f-b6fd-de7fc0b97690","title":"","id":"251629a4-92cb-45a2-a1af-aa4705ed8469","metadata":{},"subtype":null,"text":"\u003Cp\u003Eವ್ಯವಹಾರ ಹಾಗೂ ಹೂಡಿಕೆ ಎರಡೂ ಪದಗಳು ಬೇರೆ ಬೇರೆ ಉದ್ದೇಶ ಹಾಗೂ ಗುಣಲಕ್ಷಣ ಹೊಂದಿವೆ. ನೋಂದಾಯಿತ ಸ್ಟಾಕ್ ಬ್ರೋಕರ್‌ಗಳು ಅಥವಾ ಇತರೆ ನೋಂದಾಯಿತ ಸಂಸ್ಥೆಗಳ ಮೂಲಕ ಮಾಡಲಾದ ‘ಅಪರೂಪದ ವ್ಯವಹಾರ’ವನ್ನು ಹೂಡಿಕೆ ಎಂದು ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F5a86a9c9-55b9-44ce-bc74-3b0b8d9a0da4\u002Felement\u002Fdd0283f8-2aa2-42da-b269-6ebd66746c27","type":"text","family-id":"76b6437b-abca-494f-bfdf-10079d7b5cca","title":"","id":"dd0283f8-2aa2-42da-b269-6ebd66746c27","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಅದೇ ಒಂದು ವರ್ಷದ ಅವಧಿಯಲ್ಲಿ ಅನೇಕ ಬಾರಿ ವ್ಯವಹರಿಸಿದಾಗ ಅದು ಹೂಡಿಕೆಯ ವ್ಯಾಪ್ತಿಯನ್ನು ಮೀರುತ್ತದೆ. ಇನ್ನು ನಿಯಮಾವಳಿಯಲ್ಲಿ ಎಷ್ಟು ಬಾರಿ ವ್ಯವಹರಿಸಬಹುದು ಎನ್ನುವ ನಿರ್ದಿಷ್ಟ ಮಾಹಿತಿ ನೀಡಿಲ್ಲದಿದ್ದರೂ, ಅದರರ್ಥ ಅನೇಕ ಬಾರಿ ಖರೀದಿ, ಮಾರಾಟ ಮಾಡಬಹುದೆಂದಲ್ಲ. ದೀರ್ಘಾವಧಿಗೆ ಷೇರುಗಳಲ್ಲದೆ ಎಸ್‌ಐಪಿ, ಗೋಲ್ಡ್ ಬಾಂಡ್‌, ಆರ್‌ಬಿಐ ಬಾಂಡ್‌ ಮತ್ತು ಅಂತಹ ಇತರೆ ಹೂಡಿಕೆಗಳನ್ನೂ ಮಾಡಬಹುದು.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F5a86a9c9-55b9-44ce-bc74-3b0b8d9a0da4\u002Felement\u002Fa4ef5321-0508-46e4-93e6-771ba2347a9b","type":"text","family-id":"6df664d7-40da-4f0d-9f27-7c8b06343329","title":"","id":"a4ef5321-0508-46e4-93e6-771ba2347a9b","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಈ ಹೂಡಿಕೆಗೂ ಆರ್ಥಿಕ ಮಿತಿ ಇದ್ದು 2019ರ ತಿದ್ದುಪಡಿಯಂತೆ ಕ್ಯಾಲೆಂಡರ್ ವರ್ಷದಲ್ಲಿ ಯಾವುದೇ ವರ್ಗದ ನೌಕರರಾಗಿದ್ದರೂ ತಮ್ಮ ಮೂಲ ವೇತನದ 6 ಪಟ್ಟು ಮೊತ್ತ ಹೂಡಿಕೆಗೆ ಮುಕ್ತ ಅವಕಾಶವಿದೆ. ಇನ್ನೂ ಹೆಚ್ಚಿನ ಹೂಡಿಕೆ ಇದ್ದರೆ ಅದನ್ನು ವರ್ಷಾಂತ್ಯವಾದೊಳಗೆ ಸಂಬಂಧಪಟ್ಟ ಅಧಿಕಾರಿಗಳಿಗೆ ಮಾಹಿತಿ ನೀಡಬೇಕಿದೆ. \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F5a86a9c9-55b9-44ce-bc74-3b0b8d9a0da4\u002Felement\u002Ff67c40d8-3b9a-4d4d-928b-b92dadacd273","type":"text","family-id":"9e05040e-7a14-40ff-b5fd-8cd96e0b438b","title":"","id":"f67c40d8-3b9a-4d4d-928b-b92dadacd273","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಶ್ನೆ:\u003C\u002Fstrong\u003E ನಾನು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತಿದ್ದೇನೆ. ಕಳೆದ ಕೆಲವು ವರ್ಷಗಳಿಂದ ಈಕ್ವಿಟಿ ಹಾಗೂ ಡೆಬ್ಟ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವ ಬಗ್ಗೆ ಮಾಹಿತಿ ಹೊಂದಿದ್ದೇನೆ. ನಾನು ಹೆಚ್ಚಿನ ಲಾಭಕ್ಕಾಗಿ ಇತರೆ ವರ್ಗದ ಫಂಡ್‌ಗಳಲ್ಲೂ ಹೂಡಿಕೆ ಮಾಡಲು ಇತ್ತೀಚೆಗೆ ಡಿವಿಡೆಂಡ್ ಫಂಡ್‌ಗಳ ಬಗ್ಗೆ ಕೇಳಿದ್ದೆ. ಇಂತಹ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿದರೆ ನಮಗೆ ನಿಗದಿತ ಡಿವಿಡೆಂಡ್ ಖಾತರಿ ಇದೆಯೇ? ಸಾಮಾನ್ಯವಾಗಿ ಫಂಡ್ ಮ್ಯಾನೇಜರ್‌ಗಳು ಉತ್ತಮ ಡಿವಿಡೆಂಡ್ ಬರುವ ಕಂಪನಿಗಳಲ್ಲೇ ಹೂಡಿಕೆ ಮಾಡುವ ಕಾರಣ ನಮಗೆ ನಷ್ಟ ಆಗುವ ಸಂಭವ ಕಡಿಮೆಯಲ್ಲವೇ. ಇದರ ತೆರಿಗೆ ಬಗ್ಗೆಯೂ ತಿಳಿಸಿಕೊಡಿ. \u003Cstrong\u003E– ಮೋಹನ್ ರಾಜ್, ವಿ.ವಿ ಪುರಂ, ಬೆಂಗಳೂರು.\u003C\u002Fstrong\u003E \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F5a86a9c9-55b9-44ce-bc74-3b0b8d9a0da4\u002Felement\u002F9f10be7f-063e-41be-92e9-38160f547330","type":"text","family-id":"57fd9503-e3a6-47ae-b8c0-96a8f8eab64b","title":"","id":"9f10be7f-063e-41be-92e9-38160f547330","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ:\u003C\u002Fstrong\u003E ಡಿವಿಡೆಂಡ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು ಈಕ್ವಿಟಿ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳ ಒಂದು ವರ್ಗವಾಗಿದ್ದು, ಅದು ಹೆಚ್ಚಿನ ಲಾಭಾಂಶ ಪಾವತಿಸುವ ಕಂಪನಿಗಳ ಷೇರುಗಳಲ್ಲಿ ನಿರ್ದಿಷ್ಟವಾಗಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆ. ಈ ಫಂಡ್‌ಗಳು ಸರಾಸರಿ ಮಾರುಕಟ್ಟೆ ಮಟ್ಟಕ್ಕೆ ಹೋಲಿಸಿದರೆ ಹೆಚ್ಚಿನ ಲಾಭಾಂಶ ಒದಗಿಸಿ ಕೊಡುವ ಷೇರುಗಳ ಮೇಲೆ ಹೂಡಿಕೆ ಮಾಡುವತ್ತ ಕೇಂದ್ರೀಕರಿಸುತ್ತವೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F5a86a9c9-55b9-44ce-bc74-3b0b8d9a0da4\u002Felement\u002Fc2a7361d-5980-4a37-a928-2101e4dcff21","type":"text","family-id":"0ab0a56b-99f9-4916-b144-baeb0ffc4f67","title":"","id":"c2a7361d-5980-4a37-a928-2101e4dcff21","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಸೆಬಿ ನಿಯಮದ ಪ್ರಕಾರ ಉತ್ತಮ ಡಿವಿಡೆಂಡ್ ನೀಡುವ ಹೂಡಿಕೆ ಉತ್ಪನ್ನಗಳಲ್ಲಿ ತಮ್ಮ ಒಟ್ಟಾರೆ ಪೋರ್ಟ್‌ಫೋಲಿಯೊದ ಶೇ 65ಕ್ಕಿಂತ ಅಧಿಕ ಮೊತ್ತವನ್ನು ಫಂಡ್ ಹೌಸ್‌ಗಳು ಹೂಡಿಕೆ ಮಾಡಿದಾಗ ಅದು ಡಿವಿಡೆಂಡ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳೆಂದು ಕರೆಯಲ್ಪಡುತ್ತದೆ. ಇದು ಈಕ್ವಿಟಿಯ ಭಾಗವೇ ಆಗಿರುವುದರಿಂದ, ಹೂಡಿಕೆದಾರರಿಗೆ ಯಾವುದೇ ಆರ್ಥಿಕ ಅಪಾಯ ಇಲ್ಲವೆಂದಲ್ಲ.  \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F5a86a9c9-55b9-44ce-bc74-3b0b8d9a0da4\u002Felement\u002F987a6de7-db07-4a86-8867-21a285922492","type":"text","family-id":"ec7053c3-ee04-42f8-9503-1db29d413099","title":"","id":"987a6de7-db07-4a86-8867-21a285922492","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಹೂಡಿಕೆ ಮಾಡಿದ ಕಂಪನಿಗಳಿಂದ ಬಂದ ಡಿವಿಡೆಂಡ್ ಲಾಭವನ್ನು ಈ ಕಂಪನಿಗಳು ಷೇರು ಮೌಲ್ಯ ವೃದ್ಧಿಯ ಹೊರತಾಗಿ ಪಡೆಯುತ್ತವೆ. ಹೂಡಿಕೆದಾರರು ಆಯ್ಕೆ ಮಾಡಿದ ಸ್ಕೀಂ ಆಧಾರದಲ್ಲಿ ತಾವು ಫಂಡ್ ನಿರ್ವಹಣೆಯ ಭಾಗವಾಗಿ ಹೂಡಿಕೆದಾರರಿಗೆ ಪಾವತಿಸಲಾಗುತ್ತದೆ ಅಥವಾ ಆ ಮೊತ್ತವನ್ನು ಮರು ಹೂಡಿಕೆ ಮಾಡಲಾಗುತ್ತದೆ.  \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F5a86a9c9-55b9-44ce-bc74-3b0b8d9a0da4\u002Felement\u002F9923b3cb-fc55-4ad3-a164-6287e660a5b1","type":"text","family-id":"7a050e72-c9f7-4836-8458-7ac8fe25ae77","title":"","id":"9923b3cb-fc55-4ad3-a164-6287e660a5b1","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಡಿವಿಡೆಂಡ್ ಲಾಭ ಪಡೆಯುವ ಉದ್ದೇಶಕ್ಕೆ ಹೂಡಿಕೆ ಮಾಡಿದ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳು ದೀರ್ಘಾವಧಿಯಲ್ಲಿ ಸಾಮಾನ್ಯವಾಗಿ ಇತರೆ ರೀತಿಯ ಇಕ್ವಿಟಿ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳಿಗಿಂತ ಕಡಿಮೆ ಅಪಾಯ ಹೊಂದಿರುತ್ತವೆ. ಏಕೆಂದರೆ ಅವರು ಲಾಭಾಂಶವನ್ನು ನಿಯಮಿತವಾಗಿ ಪಾವತಿಸುವ ಮತ್ತು ಸುಸ್ಥಿರವಾದ ದಾಖಲೆ ಹೊಂದಿರುವ ಕಂಪನಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F5a86a9c9-55b9-44ce-bc74-3b0b8d9a0da4\u002Felement\u002Fbe1d8d16-b801-4322-b50d-01dc80255c44","type":"text","family-id":"e485c40f-42be-4e5a-a386-57b0c11a346e","title":"","id":"be1d8d16-b801-4322-b50d-01dc80255c44","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಇನ್ನು ತೆರಿಗೆ ವಿಚಾರಕ್ಕೆ ಸಂಬಂಧಿಸಿ ನಿಮ್ಮ ಹೂಡಿಕೆಗಳು ಡಿವಿಡೆಂಡ್ ಪಾವತಿಯದ್ದಾಗಿದ್ದರೆ ನಿಮಗೆ ಅನ್ವಯಿಸುವ ವೈಯಕ್ತಿಕ ತೆರಿಗೆ ದರದಲ್ಲಿ ತೆರಿಗೆ ಪಾವತಿಸಬೇಕು. ಡಿವಿಡೆಂಡ್ ಮರುಹೂಡಿಕೆ ಆಯ್ಕೆ ಮಾಡಿದ್ದರೆ ಹೂಡಿಕೆದಾರರ ಮೂಲ ಹೂಡಿಕೆಗೆ ಇದನ್ನು ಸೇರ್ಪಡೆಗೊಳಿಸಲಾಗುತ್ತದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F5a86a9c9-55b9-44ce-bc74-3b0b8d9a0da4\u002Felement\u002Fe1f2e26c-8130-441f-8f76-12f0b7f69094","type":"text","family-id":"dc298667-9a07-4dbb-8cda-da2fa5502961","title":"","id":"e1f2e26c-8130-441f-8f76-12f0b7f69094","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಇನ್ನು ಹೂಡಿಕೆಗಳ ಮಾರಾಟದ ಸಂದರ್ಭದಲ್ಲಿ ಸಿಗುವ ಅಲ್ಪಾವಧಿ ಬಂಡವಾಳ ಲಾಭಕ್ಕೆ (12 ತಿಂಗಳೊಳಗಿನ ಹೂಡಿಕೆ ಅವಧಿ) ಶೇ 15ರ ದರದಲ್ಲಿ ತೆರಿಗೆ ಇರುತ್ತದೆ. ಒಂದು ವೇಳೆ ಇದು 12 ತಿಂಗಳ ಅವಧಿಗಿಂತ ದೀರ್ಘಾವಧಿ ಹೂಡಿಕೆ ಆಗಿದ್ದರೆ ಶೇ 10ರ ದರದಲ್ಲಿ ತೆರಿಗೆ ಇರುತ್ತದೆ. ಆದರೆ, ಮೊದಲ ₹1 ಲಕ್ಷ ಲಾಭಕ್ಕೆ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಇರುತ್ತದೆ.\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1717613714195,"content-version-id":"55c510ab-d375-4ea0-ba05-2f655fd08ce0","card-added-at":1717493707322,"status":"draft","id":"90873d10-10f9-463f-b998-68add28878ff","content-id":"90873d10-10f9-463f-b998-68add28878ff","version":9,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ: ಸರ್ಕಾರಿ ನೌಕರರು ಷೇರು ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಬಹುದೇ?","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002Fimport\u002Fsites\u002Fpv\u002Ffiles\u002Farticle_images\u002F2020\u002F07\u002F05\u002Ffile6xvb6r9dubnxw3dnaew1593948481.jpg","url":null,"attribution":null,"alt-text":null,"caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಸಾಂದರ್ಭಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fquestion-and-answer-can-government-employees-invest-in-stock-market-2832748","story-version-id":"19fb53bf-39d3-4183-a7b9-940a7e159707","content-type":"story","content-updated-at":1717631759878,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1717631760000,"hero-image-caption":"\u003Cdiv class=\"paragraphs\"\u003E\u003Cp\u003Eಸಾಂದರ್ಭಿಕ ಚಿತ್ರ\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","version":9,"story-template":"syndicated","sequence-no":null,"created-at":1717613714185,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ ಸುದ್ದಿ"]},"imported-card-id":"90873d10-10f9-463f-b998-68add28878ff","card-share":{"shareable":false}},"publish-at":1717631760000,"assignee-name":"syndication"}},{"id":"cbce74b0-7e2a-4944-89d4-85465b76d14b","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ | ಬ್ಯಾ೦ಕ್‌ನಿಂದ ಎಷ್ಟು ಬಡ್ಡಿ ಬಂದರೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಬೇಕು?"]},"story":{"updated-at":1716939801684,"seo":{"meta-description":"ಪ್ರಶ್ನೋತ್ತರ | ಬ್ಯಾ೦ಕ್‌ನಿಂದ ಎಷ್ಟು ಬಡ್ಡಿ ಬಂದರೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಬೇಕು?","meta-keywords":["Commerce","Banking","Interest Rate"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5513219,"name":"Commerce","meta-description":null,"meta-title":null,"slug":"commerce","tag-type":"Tag"},{"id":5514201,"name":"Interest Rate","meta-description":null,"meta-title":null,"slug":"interest-rate","tag-type":"Tag"},{"id":5516346,"name":"Banking","meta-description":null,"meta-title":null,"slug":"banking","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ | ಬ್ಯಾ೦ಕ್‌ನಿಂದ ಎಷ್ಟು ಬಡ್ಡಿ ಬಂದರೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಬೇಕು?","storyline-id":null,"votes":{},"story-content-id":"cbce74b0-7e2a-4944-89d4-85465b76d14b","slug":"business\u002Fprashnottara\u002Fquestions-on-banking-interest-and-return-policy-2823370","last-published-at":1716939803941,"public-identifier":"2823370","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1716892207393,"is-embargoed":false,"owner-name":"syndication","custom-slug":"Questions on banking interest and return policy ","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"width":900,"height":520,"mime-type":"image\u002Favif","file-size":30300,"file-name":"prajavani_2024-03_84b4de46-6d2c-459b-947e-0bb86f2cebde_Screenshot_2024_03_20_042357.avif","focus-point":[403,206]},"comments":null,"word-count":457,"story-features":null,"entities":{},"published-at":1716939803941,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7vmehly0x001jahnchn5","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"cbce74b0-7e2a-4944-89d4-85465b76d14b","hero-image-s3-key":"prajavani\u002F2024-05\u002Febbc240a-876c-4935-b949-a76439e87b10\u002Fprajavani_2024_03_84b4de46_6d2c_459b_947e_0bb86f2cebde_Screenshot_2024_03_20_042357.avif","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002Fcbce74b0-7e2a-4944-89d4-85465b76d14b\u002Felement\u002Fd891eab1-5a7f-441c-9b16-674fb4bcd8c8","type":"text","family-id":"4aeb33a2-a5c3-4c7d-a796-31a465277cc2","title":"","id":"d891eab1-5a7f-441c-9b16-674fb4bcd8c8","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಶ್ನೆ:\u003C\u002Fstrong\u003E ನಾನು ಕಳೆದ ಕೆಲವು ತಿಂಗಳಿನಿಂದ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತಿದ್ದೇನೆ. ಇದರಲ್ಲಿ ನನ್ನ ಆಯ್ಕೆ ಹೆಚ್ಚಾಗಿ ಇಂಡೆಕ್ಸ್ ಫಂಡ್ ಆಗಿದೆ. ಇತ್ತೀಚೆಗೆ ಇಂಡೆಕ್ಸ್ ಮಾಹಿತಿ ನೋಡುತ್ತಿದ್ದಾಗ ತಿಳಿದು ಬಂದ ಅಂಶವೆಂದರೆ, ನಾನು ಹೂಡಿಕೆ ಆರಂಭಿಸಿದಾಗ ಇಂಡೆಕ್ಸ್ ಭಾಗವಾಗಿದ್ದ ಕೆಲವು ಷೇರುಗಳು ಪ್ರಸ್ತುತ ಬದಲಾಗುತ್ತಾ ಹೋಗಿವೆ. ನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ, ಈ ಬದಲಾವಣೆಯಿಂದಾಗಿ ನಮಗೆ ಯಾವುದಾದರೂ ಲಾಭ, ನಷ್ಟ ಇದೆಯೇ? ನಾನು ಹೂಡಿಕೆ ಆರಂಭಿಸಿದ ಸಂದರ್ಭದಲ್ಲಿ ಇದ್ದ ಅದೇ ಷೇರುಗಳ ಏರಿಳಿತದ ಪರಿಣಾಮ ನಮ್ಮ ಎನ್‌ಎವಿ ಮೇಲೆ ಇದೆಯೇ? - \u003Cstrong\u003Eಪವನ್ ಆರ್., ಬೆಂಗಳೂರು.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fcbce74b0-7e2a-4944-89d4-85465b76d14b\u002Felement\u002F9ca5a9af-97ee-4e55-afa4-fa5766fac845","type":"text","family-id":"c2277d72-44f6-433b-bc63-34c90951051d","title":"","id":"9ca5a9af-97ee-4e55-afa4-fa5766fac845","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ\u003C\u002Fstrong\u003E: ಯಾವುದೇ ಇಂಡೆಕ್ಸ್ ಫಂಡ್‌ಗಳು ಆಯಾ ಸೂಚ್ಯಂಕದ ಆಧಾರದಲ್ಲಿ ಮೌಲ್ಯಮಾಪನಕ್ಕೆ ಒಳಪಡುತ್ತವೆ. ನಾವು ಹೂಡಿಕೆ ಮಾಡುವ ಮೊತ್ತವು ಒಟ್ಟಾರೆ ಸೂಚ್ಯಂಕದಲ್ಲಿ ಅಡಕವಾದ ಷೇರುಗಳ ಸಮ ಪ್ರಮಾಣದಲ್ಲಿ ಖರೀದಿಸಲಾಗುತ್ತದೆ. ಈ ಕೆಲಸವನ್ನು ಹೂಡಿಕೆದಾರರ ಪರವಾಗಿ ಫಂಡ್ ನಿರ್ವಹಣಾ ಸಂಸ್ಥೆಗಳು ಮಾಡುತ್ತವೆ. ಆಯಾ ಸಮಯ, ಸಂದರ್ಭಕ್ಕೆ ತಕ್ಕಂತೆ ಸೂಚ್ಯಂಕದಲ್ಲಿ ಬದಲಾವಣೆಯಾದಾಗ ಸಹಜವಾಗಿ ಫಂಡ್ ಎನ್‌ಎವಿಯಲ್ಲೂ ಬದಲಾವಣೆಯಾಗುತ್ತದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fcbce74b0-7e2a-4944-89d4-85465b76d14b\u002Felement\u002F2c50765a-493d-497e-b5c8-547be67df6b8","type":"text","family-id":"a8da0ede-4dd6-411d-b8bc-17e7d16ffa0d","title":"","id":"2c50765a-493d-497e-b5c8-547be67df6b8","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಸಾಮಾನ್ಯವಾಗಿ ಸೂಚ್ಯಂಕ ಬದಲಾವಣೆಯಾಗುವ ಮೊದಲೇ ಸೂಚ್ಯಂಕ ನಿರ್ವಹಣಾ ಸಂಸ್ಥೆಗಳು ಪ್ರಕಟಣೆ ನೀಡುತ್ತವೆ. ಇದರಂತೆ ಆಯಾ ಫಂಡ್ ನಿರ್ವಹಣಾ ಸಂಸ್ಥೆಗಳು ಬದಲಾಗುವ ಸೂಚ್ಯಂಕದ ಭಾಗವಾಗಿರುವ ಕಂಪನಿಯ ಷೇರುಗಳನ್ನು ಮಾರಾಟ ಮಾಡಿ ಹೊಸದಾಗಿ ಸೇರ್ಪಡೆಗೊಳ್ಳುವ ಕಂಪನಿಯ ಷೇರುಗಳನ್ನು ಖರೀದಿಸುತ್ತವೆ. ಇದರಿಂದ ಆಯಾ ಸಂದರ್ಭದ ಷೇರುಗಳ ಮೌಲ್ಯವೇ ಹೂಡಿಕೆದಾರರಿಗೆ ಲಭ್ಯವಾಗುತ್ತದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fcbce74b0-7e2a-4944-89d4-85465b76d14b\u002Felement\u002Fe44ce48c-4078-403f-b17a-b17b79531e77","type":"text","family-id":"71b08284-7e7f-4159-ae82-ca937ab07964","title":"","id":"e44ce48c-4078-403f-b17a-b17b79531e77","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಒಂದು ಬಾರಿ ಷೇರು ಸೂಚ್ಯಂಕದ ಪಟ್ಟಿಯಿಂದ ಹೊರಬಿದ್ದ ಮೇಲೆ ಆ ಷೇರಿನ ಮೌಲ್ಯದಲ್ಲಿ ಯಾವುದೇ ಬದಲಾವಣೆಯಾದರೂ ಎನ್‌ಎವಿ ಮೇಲೆ ಪರಿಣಾಮ ಬೀರದು. ಬದಲಾಗಿ, ಹೊಸದಾಗಿ ಸೇರ್ಪಡೆಗೊಂಡ ಷೇರಿನ ಮೌಲ್ಯವನ್ನೇ ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ.  \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fcbce74b0-7e2a-4944-89d4-85465b76d14b\u002Felement\u002Fa32b549e-1b31-4b2f-badb-e38c446ada7a","type":"text","family-id":"bbbc7a3f-db07-454d-adf8-38eba4140fef","title":"","id":"a32b549e-1b31-4b2f-badb-e38c446ada7a","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಈ ರೀತಿಯ ಬದಲಾವಣೆಗಳು ವರ್ಷದಲ್ಲಿ ಕೆಲವೊಮ್ಮೆ ಆಗುತ್ತಿರುವುದು ಸಹಜ. ಹೀಗಾಗಿ, ಯಾವುದೇ ಷೇರು ಸೂಚ್ಯಂಕದ ಪಟ್ಟಿಯಿಂದ ಹೊರ ಹೋದಾಗ ಅಥವಾ ಸೇರ್ಪಡೆಯಾದಾಗ ಬಹುದೊಡ್ಡ ಬದಲಾವಣೆಯಾಗದ ಕಾರಣ ಹೂಡಿಕೆದಾರರ ಗಮನಕ್ಕೆ ಇದು ಬರದೆ ಹೋಗುತ್ತದೆ. ಹೀಗಾಗಿ, ಯಾವುದೇ ಆತಂಕ ಬೇಡ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fcbce74b0-7e2a-4944-89d4-85465b76d14b\u002Felement\u002F0297f7f8-f451-4c85-8ea9-2475c2601a6d","type":"text","family-id":"cc0e069a-a2f3-41cd-b60d-3ef60736e507","title":"","id":"0297f7f8-f451-4c85-8ea9-2475c2601a6d","metadata":{},"subtype":null,"text":" \u003Cp\u003E\u003Cstrong\u003Eಪ್ರಶ್ನೆ:\u003C\u002Fstrong\u003E ನನಗೆ 68 ವರ್ಷ. ಗ್ರಾಮೀಣ ಬ್ಯಾ೦ಕ್‌ವೊಂದರಲ್ಲಿ ಹಣವನ್ನು ಠೇವಣಿ ಇಟ್ಟಿದ್ದೇನೆ. ಈ ಮೊತ್ತ ಸುಮಾರು ₹18.84 ಲಕ್ಷ. ಇದನ್ನು ಬೇರೆ ಬೇರೆ ದಿನಗಳಂದು ಹೂಡಿಕೆ ಮಾಡಿದ್ದೇನೆ. ಇದರ ಮೇಲೆ ಬಂದ ವಾರ್ಷಿಕ ಬಡ್ಡಿ ₹1.83 ಲಕ್ಷ ಆಗಿದೆ. ಕೊರೊನಾ ಆರಂಭವಾಗುವ ಮೊದಲು ಒಂದು ಅಂಗಡಿ ಇಟ್ಟು ವ್ಯಾಪಾರ ಮಾಡುತ್ತಿದ್ದೆವು. ಈಗ ಬಡ್ಡಿ ಆದಾಯವಲ್ಲದೆ ನನಗೆ ಬೇರೆ ಯಾವುದೇ ನಿಶ್ಚಿತ ಆದಾಯ ಇಲ್ಲ. ಕೆಲವೊಮ್ಮೆ ಪೌರೋಹಿತ್ಯಕ್ಕೆ ಹೋಗುತ್ತೇನೆ- \u003Cstrong\u003Eಕೃಷ್ಣರಾವ್ ಸುಬ್ಬರಾವ್, ಬೋಳ ಗ್ರಾಮ, ಕೊಪ್ಪಳ ಜಿಲ್ಲೆ.\u003C\u002Fstrong\u003E\r\n\r\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fcbce74b0-7e2a-4944-89d4-85465b76d14b\u002Felement\u002Ffb0361d5-3451-40d1-8188-82ba6b4f2e7b","type":"text","family-id":"a24d6f96-9921-4ef9-b371-92825f611df0","title":"","id":"fb0361d5-3451-40d1-8188-82ba6b4f2e7b","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಕಳೆದ 29 ವರ್ಷಗಳ ಹಿಂದೆ ಕಟ್ಟಿಸಿದ ಸ್ವಂತ ಮನೆ ಇದೆ. ಈ ಆಸ್ತಿ ಹೊರತಾಗಿ ಬೇರೆ ಯಾವುದೇ ಆಸ್ತಿ ಇಲ್ಲ. ಅಲ್ಲದೆ, ನನ್ನ ಪತ್ನಿ ಹೆಸರಲ್ಲಿ ಸುಮಾರು ₹4 ಲಕ್ಷ ಡೆಪಾಸಿಟ್ ಇದೆ. ಇದಕ್ಕೆ ಬಡ್ಡಿ ಬರುತ್ತದೆ. ನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ ಬ್ಯಾಂಕ್‌ನವರು ಫಾರಂ 15ಜಿ\u002Fಎಚ್ ಪಡೆದಿದ್ದಾರೆ. ಇದರ ಪರಿಣಾಮ ನಾನು ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಭರಿಸಬೇಕೇ? ಬ್ಯಾ೦ಕ್‌ನಿಂದ ಎಷ್ಟು ಬಡ್ಡಿ ಬಂದರೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಬೇಕು?\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fcbce74b0-7e2a-4944-89d4-85465b76d14b\u002Felement\u002F3e4dca39-8cd4-41db-8ae9-da6a5a50b5ee","type":"text","family-id":"28c209ce-3af5-431c-85bd-7f2e7e820167","title":"","id":"3e4dca39-8cd4-41db-8ae9-da6a5a50b5ee","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ\u003C\u002Fstrong\u003E: ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಲು ನಿಮ್ಮ ಒಟ್ಟು ಆದಾಯ ಎಷ್ಟೆಂಬುದು ಮುಖ್ಯ. ಈಗಾಗಲೇ, ನೀವು ತಿಳಿಸಿರುವಂತೆ ಬರುವ ವಾರ್ಷಿಕ ಬಡ್ಡಿ ₹1.83 ಲಕ್ಷ ಎಂಬುದಾಗಿ ತಿಳಿಸಿದ್ದೀರಿ. ಬ್ಯಾಂಕ್‌ಗಳು ಸಾಮಾನ್ಯವಾಗಿ ಹಿರಿಯ ನಾಗರಿಕರಿಗೆ ಒಂದು ವರ್ಷಕ್ಕೆ ₹50,000 ಮೇಲಿನ ಮೊತ್ತವನ್ನು ಬಡ್ಡಿಯಾಗಿ ಒಂದು ವರ್ಷದಲ್ಲಿ ಪಾವತಿಸಿದಾಗ, ಫಾರಂ 15ಎಚ್ ಇಲ್ಲದಿದ್ದ ಸನ್ನಿವೇಶಗಳಲ್ಲಿ ಶೇ 10ರ ದರದಲ್ಲಿ ತೆರಿಗೆ ಕಡಿತ ಮಾಡುತ್ತವೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fcbce74b0-7e2a-4944-89d4-85465b76d14b\u002Felement\u002F2d6b4e22-17ab-40fa-b09d-c4c0994d13e1","type":"text","family-id":"0c2d1062-4757-4b7c-8d97-d082bd2fa6a3","title":"","id":"2d6b4e22-17ab-40fa-b09d-c4c0994d13e1","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಆದರೆ, ನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ನೀವು ಹಿರಿಯ ನಾಗರಿಕರಾಗಿರುವುದರಿಂದ ಈಗಾಗಲೇ ಫಾರಂ 15ಎಚ್ ಸಲ್ಲಿಸಿದ್ದೀರಿ ಹಾಗೂ ಬೇರೆ ಯಾವುದೇ ಆದಾಯ ಇಲ್ಲ ಎಂಬುದನ್ನು ಹೇಳಿದ್ದೀರಿ. ಒಂದು ವೇಳೆ ನಿಮ್ಮ ಒಟ್ಟು ತೆರಿಗೆಗೊಳಪಡುವ ಆದಾಯ, ತೆರಿಗೆ ಮಿತಿ ಮೀರಿರದಿದ್ದರೆ ಇಂತಹ ಫಾರಂ ಸಲ್ಲಿಸಬಹುದು. ತೆರಿಗೆಗೊಳಪಡುವ ಆದಾಯಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ಬಡ್ಡಿ ಆದಾಯ ಇದ್ದ ಸಂದರ್ಭದಲ್ಲಿ ಬ್ಯಾಂಕ್‌ಗಳು ಇಂತಹ ಫಾರಂ ಅನ್ನು ತಿರಸ್ಕರಿಸಬಹುದು. ಕಾರಣ ತೆರಿಗೆಗೊಳಪಡುವ ಮಿತಿಗಿಂತ ಅಧಿಕ ಆದಾಯ ಇದ್ದಾಗ ಸಹಜವಾಗಿ ತೆರಿಗೆ ಅನ್ವಯವಾಗುತ್ತದೆ ಎಂಬುದೇ ಇದಕ್ಕೆ ಕಾರಣ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fcbce74b0-7e2a-4944-89d4-85465b76d14b\u002Felement\u002F69913852-ea4d-45d9-b274-e956ac49bf35","type":"text","family-id":"6574951b-a2ab-4980-856c-f38978613da5","title":"","id":"69913852-ea4d-45d9-b274-e956ac49bf35","metadata":{},"subtype":null,"text":"\u003Cp\u003Eತೆರಿಗೆಗೊಳಪಡುವ ಆದಾಯ ₹3 ಲಕ್ಷ ಮೀರಿದಾಗ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಿ ಹಾಗೂ ನಿಮಗೆ ಲಭ್ಯವಿರುವ ವಿನಾಯಿತಿ ಪಡೆಯಿರಿ. ಇದರ ಅರ್ಥ ತೆರಿಗೆ ಅನ್ವಯವಾಗುತ್ತದೆ ಎಂಬ ಕಾರಣಕ್ಕಲ್ಲ. ಆದರೆ, ಅದು ನಮ್ಮ ಆದಾಯ ವಿವರ ಸಲ್ಲಿಕೆಯ ಕರ್ತವ್ಯದ ಭಾಗವಾಗಿ ಅಷ್ಟೇ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002Fcbce74b0-7e2a-4944-89d4-85465b76d14b\u002Felement\u002Fe9e96386-ee47-4fdc-8395-f9070218f142","type":"text","family-id":"45866730-34a8-48e9-acc5-0e77825a0515","title":"","id":"e9e96386-ee47-4fdc-8395-f9070218f142","metadata":{},"subtype":null,"text":"\u003Cp\u003Eನೀವು ಈಗಾಗಲೇ ಮೂಲ ವಿನಾಯಿತಿ ಮಿತಿಯೊಳಗೆ ಬರುವ ಕಾರಣ ನಿಮಗೆ ತೆರಿಗೆ ಬರುವುದಿಲ್ಲ ಹಾಗೂ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವ ಅಗತ್ಯ ಇಲ್ಲ. ಹಿರಿಯ ನಾಗರಿಕರಿಗೆ, ಹೊಸ ಹಾಗೂ ಹಳೆಯ ತೆರಿಗೆ ಪದ್ಧತಿಯಡಿ ಈ ಮಿತಿ ₹3 ಲಕ್ಷ ಇದೆ. ಒಂದು ವೇಳೆ ಈ ಫಾರಂ 15ಎಚ್ ಅನ್ನು ಪ್ರತಿವರ್ಷ ಸಲ್ಲಿಸದಿದ್ದಲ್ಲಿ ಬ್ಯಾಂಕ್‌ಗಳು ತೆರಿಗೆ ಕಡಿತ ಮಾಡಿ ತೆರಿಗೆಯನ್ನು ನಿಮ್ಮ ಪ್ಯಾನ್ ಸಂಖ್ಯೆಯಡಿ ಸರ್ಕಾರಕ್ಕೆ ಪಾವತಿಸುತ್ತವೆ. ಯಾವುದೇ ಕಾರಣಕ್ಕೆ ಹೆಚ್ಚುವರಿ ಕಡಿತವಾದ ತೆರಿಗೆಯನ್ನು ರಿಫಂಡ್ ಪಡೆದುಕೊಳ್ಳಬಹುದು.\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1716915953066,"content-version-id":"67394c16-c92e-4790-ba4c-1bef15e675fe","card-added-at":1716892207605,"status":"draft","id":"a015fe6d-e024-477c-9d8a-a721e0046293","content-id":"a015fe6d-e024-477c-9d8a-a721e0046293","version":11,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ | ಬ್ಯಾ೦ಕ್‌ನಿಂದ ಎಷ್ಟು ಬಡ್ಡಿ ಬಂದರೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಬೇಕು?","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-05\u002Febbc240a-876c-4935-b949-a76439e87b10\u002Fprajavani_2024_03_84b4de46_6d2c_459b_947e_0bb86f2cebde_Screenshot_2024_03_20_042357.avif","url":null,"attribution":null,"alt-text":null,"caption":null,"metadata":{"width":900,"height":520,"mime-type":"image\u002Favif","file-size":30300,"file-name":"prajavani_2024-03_84b4de46-6d2c-459b-947e-0bb86f2cebde_Screenshot_2024_03_20_042357.avif","focus-point":[403,206]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fquestions-on-banking-interest-and-return-policy-2823370","story-version-id":"a4490494-300e-4242-b05f-f89096627386","content-type":"story","content-updated-at":1716939804046,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1716939803941,"hero-image-caption":null,"version":12,"story-template":"syndicated","sequence-no":null,"created-at":1716939801684,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ ಸುದ್ದಿ"]},"imported-card-id":"a015fe6d-e024-477c-9d8a-a721e0046293","card-share":{"shareable":false}},"publish-at":null,"assignee-name":"syndication"}},{"id":"20137ffe-e8eb-4727-bdbb-1994d591acd8","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು, ಆದಾಯ ತೆರಿಗೆ ಕುರಿತಾದ ಪ್ರಶ್ನೆಗಳಿಗೆ ಇಲ್ಲಿದೆ ಉತ್ತರ"]},"story":{"updated-at":1716342098162,"seo":{"meta-description":" ನಾನು ಖಾಸಗಿ ಕಂಪನಿಯ ಉದ್ಯೋಗಿ. ನನ್ನ ಪತ್ನಿಯೂ ಉದ್ಯೋಗಿಯಾಗಿದ್ದಾಳೆ. ನಾವಿಬ್ಬರೂ ನಮ್ಮೂರಿನ ಒಂದು ಆಸ್ತಿಯನ್ನು ಮಾರಾಟ ಮಾಡಿ ಬೆಂಗಳೂರಿನಲ್ಲೊಂದು ಫ್ಲ್ಯಾಟ್ ಕೊಂಡುಕೊಳ್ಳಲು ಕರಾರು ಮಾಡಿದ್ದೇವೆ. ","meta-keywords":["Income tax"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5511932,"name":"Income tax","meta-description":null,"meta-title":null,"slug":"income-tax","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು, ಆದಾಯ ತೆರಿಗೆ ಕುರಿತಾದ ಪ್ರಶ್ನೆಗಳಿಗೆ ಇಲ್ಲಿದೆ ಉತ್ತರ","storyline-id":null,"votes":{},"story-content-id":"20137ffe-e8eb-4727-bdbb-1994d591acd8","slug":"business\u002Fprashnottara\u002Fhere-is-financial-expert-pramod-srikantas-answer-to-some-questions-about-income-tax-2814845","last-published-at":1716342114059,"public-identifier":"2814845","subheadline":null,"alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1716297620487,"is-embargoed":false,"owner-name":"syndication","custom-slug":"Here is Financial Expert Pramod Srikantas answer to some questions about Income Tax","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"original-url":"http:\u002F\u002Fdcxprod.tpml.in\u002Fdevice_dh\u002Foriginal5\u002F2022\u002F01-24\u002F28\u002Fd0\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","width":1280,"height":1280,"focus-point":[587,204]},"comments":null,"word-count":542,"story-features":null,"entities":{},"published-at":1716342114059,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7viuwg53yojanvr28yp","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"20137ffe-e8eb-4727-bdbb-1994d591acd8","hero-image-s3-key":"prajavani\u002F2024-05\u002F7a72b3fa-2c02-496c-ab41-eec2114ccfa1\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F20137ffe-e8eb-4727-bdbb-1994d591acd8\u002Felement\u002F4a95522f-0a6c-426e-91e2-7aeafdf434bc","type":"text","family-id":"36f8e4f9-d0d3-4aef-811d-c33e55aba14a","title":"","id":"4a95522f-0a6c-426e-91e2-7aeafdf434bc","metadata":{},"subtype":"question","text":"\u003Cp\u003E ನಾನು ಖಾಸಗಿ ಕಂಪನಿಯ ಉದ್ಯೋಗಿ. ನನ್ನ ಪತ್ನಿಯೂ ಉದ್ಯೋಗಿಯಾಗಿದ್ದಾಳೆ. ನಾವಿಬ್ಬರೂ ನಮ್ಮೂರಿನ ಒಂದು ಆಸ್ತಿಯನ್ನು ಮಾರಾಟ ಮಾಡಿ ಬೆಂಗಳೂರಿನಲ್ಲೊಂದು ಫ್ಲ್ಯಾಟ್ ಕೊಂಡುಕೊಳ್ಳಲು ಕರಾರು ಮಾಡಿದ್ದೇವೆ. ನಾವು ನಮ್ಮೂರ ಮನೆ ಮಾರಾಟ ಮಾಡಿದಾಗ ಬಂದ ಸಂಪೂರ್ಣ ಹಣವಲ್ಲದೆ ಹೆಚ್ಚುವರಿ ಮೊತ್ತವನ್ನು ಹೊಸ ಮನೆಗಾಗಿ ಪಾವತಿಸುತ್ತಿದ್ದೇವೆ. ಅಲ್ಲದೆ, ಒಂದಿಷ್ಟು ಬ್ಯಾಂಕ್ ಸಾಲವನ್ನೂ ಪಡೆದಿದ್ದೇವೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F20137ffe-e8eb-4727-bdbb-1994d591acd8\u002Felement\u002F59501a9e-6832-4103-b7c9-1199df1c0e05","type":"text","family-id":"b814f968-92bf-4adb-a1ec-12a985428a15","title":"","id":"59501a9e-6832-4103-b7c9-1199df1c0e05","metadata":{},"subtype":"question","text":"\u003Cp\u003Eನಮ್ಮ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ, ನಮ್ಮ ಹಳೆಯ ಮನೆ ಮಾರಾಟ ಮಾಡಿ ಬಂದ ಲಾಭಕ್ಕೆ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಪಡೆಯಲು ನಾವು ಈಗ ಬೆಂಗಳೂರಿನ ಮನೆಗೆ ಹಣ ವಿನಿಯೋಗಿಸಿದ್ದೇವೆ. ಆದರೆ, ಹೊಸ ಮನೆಯ ನಿರ್ಮಾಣ ಮೂರು ವರ್ಷದ ಅವಧಿಯಲ್ಲಿ ಪೂರ್ಣಗೊಂಡಿರಬೇಕೆನ್ನುವ ನಿಯಮ ಇದೆ. ಅದು ಈ ಅವಧಿಯೊಳಗೆ ಮುಗಿದು ನಮ್ಮ ಕೈ ಸೇರುವುದು ಅಸಾಧ್ಯ. ಇನ್ನೂ ಕೆಲವು ತಿಂಗಳು ತಡವಾಗುವ ಸಾಧ್ಯತೆ ಇದೆ ಎಂಬುದನ್ನು ಮನೆ ಕಟ್ಟಿಸುವ ಸಂಸ್ಥೆಯಿಂದ ತಿಳಿದು ಬಂದಿದೆ. ಇದಕ್ಕೆ ಕೆಲವು ತಾಂತ್ರಿಕ ಅಡಚಣೆ ಹಾಗೂ ಸರ್ಕಾರದ ಪರವಾನಗಿ ಬಾಕಿ ಇದೆ ಎನ್ನುವ ಮೌಖಿಕ ಕಾರಣ ನೀಡಿದ್ದಾರೆ. ಇದರಿಂದ ನಮಗೆ ಸಿಗುವ ತೆರಿಗೆ ಲಾಭಕ್ಕೆ ತೊಂದರೆ ಇದೆಯೇ. ನಾವು ಅದಕ್ಕೆ ಸಂಬಂಧಿಸಿದಂತೆ ಏನಾದರೂ ಮುಂಜಾಗ್ರತೆ ವಹಿಸಬೇಕಿದೆಯೇ?  \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F20137ffe-e8eb-4727-bdbb-1994d591acd8\u002Felement\u002F3e53615b-10f4-4ceb-9deb-e297904ba33a","type":"text","family-id":"db5cc296-0aae-411c-bc05-d25cb1e072d1","title":"","id":"3e53615b-10f4-4ceb-9deb-e297904ba33a","metadata":{},"subtype":"answer","text":"\u003Cp\u003Eಆದಾಯ ತೆರಿಗೆಯ ಸಹಜ ನಿಯಮಗಳಡಿ ಯಾವುದೇ ತೆರಿಗೆ ಲಾಭ ಪಡೆಯಲು ಕೆಲವು ಷರತ್ತುಗಳನ್ನು ಪಾಲಿಸಬೇಕಾಗುತ್ತದೆ. ಸೆಕ್ಷನ್ 54ರ ಪ್ರಕಾರ ಈಗಾಗಲೇ ನೀವು ಒಂದು ಮನೆಯನ್ನು ಮಾರಾಟ ಮಾಡಿ ಅದರ ಮೇಲೆ ಬರುವ ಲಾಭಕ್ಕೆ ಆದಾಯ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಪಡೆಯಲು ಇನ್ನೊಂದು ಮನೆಯನ್ನು ಕಟ್ಟಿಸುವುದಿದ್ದರೆ, ಅದರ ನಿರ್ಮಾಣ ಮೂರು ವರ್ಷದೊಳಗೆ ಪೂರ್ಣಗೊಂಡಿರಬೇಕು. ಆದರೆ, ಕೆಲವು ವಿಶೇಷ ಸಂದರ್ಭಗಳಲ್ಲಿ ಸಂಪೂರ್ಣ ನಿರ್ಮಾಣ ಸಾಧ್ಯವಾಗದೆ ಇರಬಹುದು. ಅನೇಕ ತೆರಿಗೆ ವ್ಯಾಜ್ಯಗಳನ್ನು ವಿಲೇವಾರಿ ಮಾಡುವ ಸಂದರ್ಭದಲ್ಲಿ ವಿನಾಯಿತಿ ಅಮಾನ್ಯ ಮಾಡದೆ ಪ್ರತಿ ಸನ್ನಿವೇಶದ ಆಧಾರದ ಮೇಲೆ ರಿಯಾಯಿತಿ ನೀಡಿದ ಸಂದರ್ಭಗಳಿವೆ. ಇಂತಹ ಸನ್ನಿವೇಶಗಳಲ್ಲಿ ಮನೆ ನಿರ್ಮಾಣಕ್ಕೆ ತೆಗೆದುಕೊಂಡ ಅವಧಿಗಿಂತ ಬಂದ ಹಣದ ಸರಿಯಾದ ಉಪಯೋಗ ಮಾಡಲಾಗಿದೆಯೇ ಹಾಗೂ ತೆರಿಗೆದಾರನ ಕಡೆಯಿಂದ ಯಾವುದೇ ವ್ಯತ್ಯಯ ಆಗಿಲ್ಲವೆಂಬುದನ್ನು ವಿಶೇಷವಾಗಿ ಪರಿಗಣಿಸಲಾಗಿದೆ. ನಿಮ್ಮ ವಿಚಾರದಲ್ಲೂ ಬಹುಶಃ ಅದೇ ರೀತಿಯ ಸನ್ನಿವೇಶ ಎದುರಾದಂತಿದೆ. ಇಲ್ಲಿ ನಿಮ್ಮ ಸಂಪೂರ್ಣ ಹಣ ನೀವು ವಿನಿಯೋಗಿಸಿದ್ದೀರಿ ಹಾಗೂ ನಿಮ್ಮ ಮನೆ ನಿರ್ಮಾಣ ಸಂಸ್ಥೆಯೇ ಹೇಳುವಂತೆ ಪರವಾನಗಿ ಹಾಗೂ ಕೆಲವು ತಾಂತ್ರಿಕ ತೊಂದರೆಗಳಿರುವ ಕಾರಣ ನೀಡುವ ಉತ್ತರ ಮುಂದೆ ಸಮಸ್ಯೆಗೆ ಕಾರಣ ಆಗಲಾರದು. ಇದಕ್ಕಾಗಿ ನಿರ್ಮಾಣ ಸಂಸ್ಥೆಯಿಂದ ಲಿಖಿತ ಕಾರಣಗಳನ್ನು ದಾಖಲಿಸಿಟ್ಟುಕೊಳ್ಳಿ. ಅಗತ್ಯ ಬಿದ್ದರೆ ಇಂತಹ ದಾಖಲೆಗಳು ಮುಂದೆ ಯಾವುದೇ ಸವಾಲುಗಳು ಬಂದಾಗ ನೆರವಿಗೆ ಬರುತ್ತವೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F20137ffe-e8eb-4727-bdbb-1994d591acd8\u002Felement\u002Fda481dc1-247c-42b9-8ce0-72b959c29f2f","type":"text","family-id":"6ea0b82b-47e1-41c0-8f10-52aa5785e685","title":"","id":"da481dc1-247c-42b9-8ce0-72b959c29f2f","metadata":{},"subtype":"question","text":"\u003Cp\u003Eನನ್ನ ತಂದೆಗೆ ಸುಮಾರು 89 ವರ್ಷ. ಅವರು 29 ವರ್ಷದ ಹಿಂದೆ ಸಾರ್ವಜನಿಕ ವಲಯದ ಸಂಸ್ಥೆಯಿಂದ ನಿವೃತ್ತರಾಗಿದ್ದಾರೆ. ಆದಾಯ ತೆರಿಗೆ ಮಿತಿಗಿಂತ ಅವರ ಆದಾಯ ಕಡಿಮೆ ಇರುವ ಕಾರಣ ಅವರು ನಿವೃತ್ತಿ ನಂತರ ತಮ್ಮ ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುತ್ತಿಲ್ಲ. ಇತ್ತೀಚೆಗೆ ಒಂದು ನಿವೇಶನ ಮಾರಾಟ ಮಾಡಿ ಸುಮಾರು ₹60 ಲಕ್ಷ ಬಂದಿದೆ. ಖರೀದಿದಾರರು ಸುಮಾರು ₹90,000 ಮೊತ್ತದ ತೆರಿಗೆಯನ್ನು ಕಡಿತಗೊಳಿಸಿದ್ದಾರೆ. ರಾಜಿ ಸಂಧಾನದ ಅಡಿಯಲ್ಲಿ ಮಾರಾಟವಾದ ಕಾರಣ ಅವರು ಯಾವುದೇ ಬಂಡವಾಳ ಲಾಭವನ್ನು ಗಳಿಸಿಲ್ಲ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F20137ffe-e8eb-4727-bdbb-1994d591acd8\u002Felement\u002F005636c4-046e-4b81-a84a-29de3dd8c536","type":"text","family-id":"343ba232-55e3-4156-a019-9b9fbd1c314d","title":"","id":"005636c4-046e-4b81-a84a-29de3dd8c536","metadata":{},"subtype":"question","text":"\u003Cp\u003Eಈಗ, ನನ್ನ ತಂದೆ ಟಿಡಿಎಸ್ ಅನ್ನು ಹಿಂಪಡೆಯಲು ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಲು ಬಯಸುತ್ತಾರೆ. ಅವರು ಯಾವ ಫಾರ್ಮ್\u002F ರಿಟರ್ನ್ಸ್ ಅನ್ನು ಬಳಸಬೇಕೆಂದು ದಯವಿಟ್ಟು ತಿಳಿಸಿ. ಅವರ ಪ್ರಸ್ತುತ ಆದಾಯವು ಐ.ಟಿ ಕನಿಷ್ಠ ಸ್ಲ್ಯಾಬ್‌ಗಿಂತ ಕಡಿಮೆಯಾಗಿದೆ. ಟಿಡಿಎಸ್ ಅನ್ನು ಕ್ಲೈಮ್ ಮಾಡಲು ಮಾತ್ರ ಅವರು ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಬೇಕಾಗುತ್ತದೆ. ಐಟಿಆರ್ 1 ಅಥವಾ ಐಟಿಆರ್ 2 ಇತ್ಯಾದಿ ಬಗ್ಗೆ ದಯವಿಟ್ಟು ತಿಳಿಸಿ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F20137ffe-e8eb-4727-bdbb-1994d591acd8\u002Felement\u002F506b2dcc-28bf-44dc-b289-3cdc3e46db31","type":"text","family-id":"256e1f0f-2d11-4bec-ba84-d8f6676ac33a","title":"","id":"506b2dcc-28bf-44dc-b289-3cdc3e46db31","metadata":{},"subtype":"answer","text":"\u003Cp\u003Eಆದಾಯ ತೆರಿಗೆಯ ಸೆಕ್ಷನ್ 194ಐಎ ಇದರಡಿ, ₹50 ಲಕ್ಷಕ್ಕೂ ಅಧಿಕ ಮೌಲ್ಯದ ಯಾವುದೇ ಸ್ಥಿರಾಸ್ತಿಯನ್ನು ವರ್ಗಾಯಿಸುವಾಗ ಖರೀದಿದಾರರು ಶೇ 1ರ ದರದಲ್ಲಿ ಆ ಮೌಲ್ಯದ ಮೇಲೆ ತೆರಿಗೆ ಕಡಿತಗೊಳಿಸಿ ಮಾರಾಟಗಾರರ ಪ್ಯಾನ್ ಸಂಖ್ಯೆಯಡಿ ತೆರಿಗೆ ಭರಿಸಬೇಕು. ಇದಕ್ಕೆ ಪ್ರತ್ಯೇಕ ವರದಿಯನ್ನು ಕೂಡ ಖರೀದಿದಾರರು ಸಲ್ಲಿಸಬೇಕು. ಈ ಹಂತ ಖರೀದಿದಾರರ ಪರಿಧಿಯಲ್ಲಿದ್ದರೆ, ಮುಂದಿನ ಹಂತವು ಮಾರಾಟ ಮಾಡಿದ ವ್ಯಕ್ತಿಯ ಹಂತದಲ್ಲಿರುತ್ತದೆ. ನಿಮ್ಮ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಬೇಕೇ, ಬೇಡವೇ ಎನ್ನುವ ನಿರ್ಧಾರ ಒಟ್ಟಾರೆ ತೆರಿಗೆಗೊಳಪಡುವ ಆದಾಯದ ಮೇಲೆ ನಿರ್ಧಾರವಾಗುತ್ತದೆ. ನೀವು ಆಸ್ತಿಯನ್ನು ರಾಜಿ ಸೂತ್ರದ ಅಡಿ ಮಾರಾಟ ಮಾಡಲಾಗಿದೆ ಎಂದು ತಿಳಿಸಿದ್ದೀರಿ. ಆದರೆ, ತೆರಿಗೆ ವಿಚಾರಕ್ಕೆ ಸಂಬಂಧಿ ಮಾರಾಟವಾದ ಆಸ್ತಿ ಅವರ ಹೆಸರಿನಲ್ಲಿತ್ತೇ ಹಾಗೂ ಆ ವ್ಯವಹಾರಕ್ಕೆ ಸಂಬಂಧಿಸಿ ಬಂದ ಹಣ ಎಷ್ಟು, ಅದು ವರ್ಗಾವಣೆ ವ್ಯಾಪ್ತಿಯಲ್ಲಿ ಬರುತ್ತದೆಯೇ ಎಂಬಿತ್ಯಾದಿ ವಿಚಾರಗಳ ಆಧಾರದಲ್ಲಿ ತೆರಿಗೆ ನಿರ್ಣಯವಾಗುತ್ತದೆ.     \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F20137ffe-e8eb-4727-bdbb-1994d591acd8\u002Felement\u002F1fb439ca-ee1a-4288-bba6-91c0dbc77867","type":"text","family-id":"4d4d0b73-d12f-42fe-9124-802f5a650e9b","title":"","id":"1fb439ca-ee1a-4288-bba6-91c0dbc77867","metadata":{},"subtype":"answer","text":"\u003Cp\u003Eನೀವು ಈಗಾಗಲೇ ತಂದೆಯವರು ಪಿಂಚಣಿ ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ತೆರುವ ಅಗತ್ಯ ಇಲ್ಲ ಎಂಬುದಾಗಿ ವಿವರದಲ್ಲಿ ತಿಳಿಸಿದ್ದೀರಿ. ಆದರೆ, ಆದಾಯ ತೆರಿಗೆ ಪಾವತಿ, ಎಲ್ಲಾ ಮೂಲಗಳ ಹಾಗೂ ವರ್ಷದ ಒಟ್ಟಾರೆ ಆದಾಯದ ಆಧಾರದ ಮೇಲೆ ನಿರ್ಣಯವಾಗುತ್ತದೆ. ಅಲ್ಲದೆ, ಯಾವುದೇ ರಿಫಂಡ್ ಸಿಗಬೇಕಾದರೂ ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಕಡ್ಡಾಯವಾಗಿ ಸಲ್ಲಿಸಬೇಕು. ಇದಕ್ಕೆ ಐಟಿಆರ್ 2 ಅನ್ನು ಬಳಸಿಕೊಳ್ಳಿ. ನಿಮ್ಮ ಆಸ್ತಿ ಮಾರಾಟದಿಂದ ಬಂಡವಾಳ ಲಾಭ ಆದಾಯ ಇಲ್ಲ ಎಂಬ ಊಹೆ ನಿಮ್ಮದು. ಆದರೂ, ಒಂದು ಬಾರಿ ಸಂಪೂರ್ಣ ಮಾಹಿತಿಯೊಂದಿಗೆ ತೆರಿಗೆ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸಿ ಪರಾಮರ್ಶೆ ನಡೆಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eಕೇವಲ ರಿಫಂಡ್ ಪಡೆಯುವ ಕಾರಣಕ್ಕಲ್ಲದೆ, ಇತರೆ ಸನ್ನಿವೇಶಗಳಲ್ಲೂ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್‌ನಲ್ಲಿ ಇಂತಹ ಮಾಹಿತಿ ಒಳಗೊಳ್ಳಬೇಕು. ಇಷ್ಟೊಂದು ದೊಡ್ಡ ಮೊತ್ತದ ಆಸ್ತಿ ವರ್ಗಾವಣೆಯಾದ ಸಂದರ್ಭದಲ್ಲಿ, ಹಣದ ಮೂಲದ ಬಗ್ಗೆ ಆದಾಯ ತೆರಿಗೆ ಇಲಾಖೆಯಿಂದ ಯಾವುದೇ ವಿವರಣೆ ನೀಡಲು ಕೋರಿಕೆ ಬಂದಾಗ ರಿಟರ್ನ್ಸ್‌ನಲ್ಲಿ ಅಂತಹ ವ್ಯವಹಾರವಾದ ಮಾಹಿತಿ ಇಲ್ಲದಿದ್ದರೆ, ತೆರಿಗೆದಾರರಿಗೆ ಅದು ಮುಂದೆ ಸಮಸ್ಯೆಗೆ ಕಾರಣವಾದೀತು. ಹೀಗಾಗಿ ಹೆಚ್ಚಿನ ಮುಂಜಾಗ್ರತೆ ಅಗತ್ಯ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F20137ffe-e8eb-4727-bdbb-1994d591acd8\u002Felement\u002Ffe3d335a-8b89-45a1-868b-ce1ab4862cd1","type":"text","family-id":"76de0f8e-838d-4fb4-82ba-a0f0a0dd1285","title":"","id":"fe3d335a-8b89-45a1-868b-ce1ab4862cd1","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ\u003C\u002Fp\u003E\u003Cp\u003Eಹಣಕಾಸಿಗೆ ಸಂಬಂಧಿಸಿದ ಪ್ರಶ್ನೆಗಳನ್ನು ಪತ್ರದಲ್ಲಿ (ದೂರವಾಣಿ ಸಂಖ್ಯೆ ಸಹಿತ) ಬರೆದು ಕಳುಹಿಸಿ. ವಿಳಾಸ: ಪ್ರಶ್ನೋತ್ತರ, ವಾಣಿಜ್ಯ ವಿಭಾಗ, ಪ್ರಜಾವಾಣಿ, ನಂ.75, ಮಹಾತ್ಮ ಗಾಂಧಿ ರಸ್ತೆ, ಬೆಂಗಳೂರು–560001. ಇ–ಮೇಲ್‌:businessdesk@prajavani.co.in\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1716339994503,"content-version-id":"2b8b178b-64a2-4d28-bf17-37d5a2ed03c6","card-added-at":1716339107831,"status":"draft","id":"8563d273-94ae-43f1-82b8-8610aadaa598","content-id":"8563d273-94ae-43f1-82b8-8610aadaa598","version":18,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು, ಆದಾಯ ತೆರಿಗೆ ಕುರಿತಾದ ಪ್ರಶ್ನೆಗಳಿಗೆ ಇಲ್ಲಿದೆ ಉತ್ತರ","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-05\u002F7a72b3fa-2c02-496c-ab41-eec2114ccfa1\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","url":null,"attribution":null,"alt-text":null,"caption":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","metadata":{"original-url":"http:\u002F\u002Fdcxprod.tpml.in\u002Fdevice_dh\u002Foriginal5\u002F2022\u002F01-24\u002F28\u002Fd0\u002Ffile7jf4kqbmpbqvhm7ihpg.jpeg","width":1280,"height":1280,"focus-point":[587,204]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fhere-is-financial-expert-pramod-srikantas-answer-to-some-questions-about-income-tax-2814845","story-version-id":"1d438e0b-203f-467b-ba6d-3af14a633c59","content-type":"story","content-updated-at":1716342114199,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1716342114059,"hero-image-caption":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","version":24,"story-template":"syndicated","sequence-no":null,"created-at":1716342098162,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ ಸುದ್ದಿ"]},"imported-card-id":"8df153e9-02c9-480d-9e2b-1f962ceee8ce","card-share":{"shareable":false}},"publish-at":null,"assignee-name":"syndication"}},{"id":"929e13c8-147b-4a2f-bf24-887a99d681c8","score":null,"type":"story","item":{"headline":["ಪ್ರಶ್ನೋತ್ತರ: ಈಗ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಸೂಕ್ತವೇ?"]},"story":{"updated-at":1715740339865,"seo":{"meta-description":" ನಾನು ಕಳೆದ 10 ವರ್ಷಗಳ ಹಿಂದೆ ಮನೆ ಕಟ್ಟಿಸಿದ್ದೆ. ಇದಕ್ಕಾಗಿ ₹50 ಲಕ್ಷ ಬ್ಯಾಂಕ್ ಸಾಲ ಮಾಡಿದ್ದೆ","meta-keywords":["Bank Loan","Commerce"],"claim-reviews":{"story":null}},"assignee-id":1754178,"author-name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","tags":[{"id":5513219,"name":"Commerce","meta-description":null,"meta-title":null,"slug":"commerce","tag-type":"Tag"},{"id":5523598,"name":"Bank Loan","meta-description":null,"meta-title":null,"slug":"bank-loan","tag-type":"Tag"}],"headline":"ಪ್ರಶ್ನೋತ್ತರ: ಈಗ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಸೂಕ್ತವೇ?","storyline-id":null,"votes":{},"story-content-id":"929e13c8-147b-4a2f-bf24-887a99d681c8","slug":"business\u002Fprashnottara\u002Fcommerce-commerce-qa-i-built-a-house-10-years-ago-2806506","last-published-at":1715740343312,"public-identifier":"2806506","subheadline":"ಪ್ರಶ್ನೋತ್ತರ ಅಂಕಣ","alternative":{},"sections":[{"domain-slug":null,"slug":"prashnottara","name":"ಪ್ರಶ್ನೋತ್ತರ","section-url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara","id":51379,"parent-id":51373,"display-name":"ಪ್ರಶ್ನೋತ್ತರ","collection":{"slug":"prashnottara-business","name":"ಪ್ರಶ್ನೋತ್ತರ (ವಾಣಿಜ್ಯ)","id":125655},"data":null}],"read-time":2,"access-level-value":null,"content-created-at":1715691318266,"is-embargoed":false,"owner-name":"syndication","custom-slug":"commerce Commerce Q&A: I built a house 10 years ago...","push-notification":null,"publisher-id":4234,"hero-image-metadata":{"width":1200,"height":675,"focus-point":[586,211]},"comments":null,"word-count":512,"story-features":null,"entities":{},"published-at":1715740343312,"embargoed-till":null,"breaking-news-linked-story-id":null,"storyline-title":null,"summary":"ಪ್ರಶ್ನೋತ್ತರ","push-notification-title":null,"external-id":"doc7vf9ew4pypkq4c8gmhs","canonical-url":null,"hero-image-hyperlink":null,"autotags":[],"linked-entities":[],"status":"published","hero-image-attribution":null,"bullet-type":"123","hero-image-alt-text":null,"id":"929e13c8-147b-4a2f-bf24-887a99d681c8","hero-image-s3-key":"prajavani\u002F2024-05\u002Ffb96ce64-ac76-42a5-8048-7cc04ce56e36\u002Fmutual_funds1606063234.jpg","contributors":[],"cards":[{"story-elements":[{"description":"","page-url":"\u002Fstory\u002F929e13c8-147b-4a2f-bf24-887a99d681c8\u002Felement\u002Fd7c5cd5b-9e52-4b74-90bf-ac4d6ac56cbc","type":"text","family-id":"3901c522-269c-4325-a58f-346f0b837a7b","title":"","id":"d7c5cd5b-9e52-4b74-90bf-ac4d6ac56cbc","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಚರಣ್ ಎಸ್., ಆಡುಗೋಡಿ, ಬೆಂಗಳೂರು.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F929e13c8-147b-4a2f-bf24-887a99d681c8\u002Felement\u002Fb33cf9ca-22a9-4ff9-bf04-2145cf34d2a0","type":"text","family-id":"d4e8827b-3daa-44b7-bf16-9d409aa25005","title":"","id":"b33cf9ca-22a9-4ff9-bf04-2145cf34d2a0","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಶ್ನೆ:\u003C\u002Fstrong\u003E ನಾನು ಕಳೆದ 10 ವರ್ಷಗಳ ಹಿಂದೆ ಮನೆ ಕಟ್ಟಿಸಿದ್ದೆ. ಇದಕ್ಕಾಗಿ ₹50 ಲಕ್ಷ ಬ್ಯಾಂಕ್ ಸಾಲ ಮಾಡಿದ್ದೆ. ಇನ್ನೂ 10 ವರ್ಷಗಳ ಇಎಂಐ ಕಂತು ಬಾಕಿ ಇದೆ. ಪ್ರತಿ ತಿಂಗಳು ಸುಮಾರು ₹50 ಸಾವಿರದ ಆಸುಪಾಸಿನಲ್ಲಿ ಕಂತು ಪಾವತಿಸುತ್ತಿದ್ದೇನೆ. ಇನ್ನೂ ಬಾಕಿ ಇರುವ ಅಸಲು ಸುಮಾರು ₹33 ಲಕ್ಷ ಇದೆ. ಶೇ 8.50ರಿಂದ ಶೇ 9ರ ಅಂದಾಜಿನಲ್ಲಿ ಬಡ್ಡಿ ಪಾವತಿಯಾಗುತ್ತಾ ಬಂದಿದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F929e13c8-147b-4a2f-bf24-887a99d681c8\u002Felement\u002F98cd1aa9-b9ab-4bc3-875d-d09aedf82b1f","type":"text","family-id":"9a830543-19e9-4d88-8f1f-6790c471ebe5","title":"","id":"98cd1aa9-b9ab-4bc3-875d-d09aedf82b1f","metadata":{},"subtype":null,"text":"\u003Cp\u003Eನಾನು ಖಾಸಗಿ ಕಂಪನಿಯಲ್ಲಿ ಉದ್ಯೋಗಿಯಾಗಿದ್ದು, ಸದ್ಯ ಬಡ್ತಿ ಸಿಕ್ಕಿದೆ. ಪ್ರಸ್ತುತ ನನಗೆ ಹೆಚ್ಚುವರಿ ಉಳಿತಾಯ ಮಾಡುವ ಅವಕಾಶವಿದೆ. ಸಾಲದ ಇಎಂಐ ಮೊತ್ತಕ್ಕೆ ಸರಿಸಮಾನವಾಗಿ ಉಳಿಕೆಗೆ ಯೋಚನೆ ಮಾಡುತ್ತಿದ್ದೇನೆ. ಇತರೆ ಎಲ್ಲಾ ವರ್ಗದ ಹೂಡಿಕೆಗೆ ತುಲನೆ ಮಾಡಿದರೆ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ನಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಉತ್ತಮ ಎಂಬುದು ನನ್ನ ಅನಿಸಿಕೆ. ನನ್ನ ಪ್ರಶ್ನೆ ಏನೆಂದರೆ, ನಾನು ಗಳಿಸುತ್ತಿರುವ ಈ ಹೆಚ್ಚುವರಿ ಮೊತ್ತವನ್ನು ಸಾಲ ಮರುಪಾವತಿಗೆ ಬಳಸಿಕೊಂಡು ಬಡ್ಡಿಯಿಂದ ಮುಕ್ತಿ ಹೊಂದಬಹುದೇ ಅಥವಾ ಅದರ ಬದಲು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಸೂಕ್ತವೇ?\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F929e13c8-147b-4a2f-bf24-887a99d681c8\u002Felement\u002Fb2261a96-a6a9-4b43-86e0-f782b7f6a595","type":"text","family-id":"bb5d4d71-7f2d-4734-aef8-502bf977178a","title":"","id":"b2261a96-a6a9-4b43-86e0-f782b7f6a595","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ:\u003C\u002Fstrong\u003E ನೀವು ನಿಮ್ಮ ಗೃಹ ಸಾಲದ ಬಗೆಗಿನ ಮಾಹಿತಿ ಹಾಗೂ ಹೆಚ್ಚುವರಿ ಆದಾಯದ ಹೂಡಿಕೆ ಬಗೆಗಿನ ಮಾಹಿತಿ ನೀಡಿದ್ದೀರಿ. ನಿಮ್ಮ ಸಾಲ ಈಗಾಗಲೇ ಅರ್ಧದಷ್ಟು ಪಾವತಿಯಾಗಿದೆ. ಇನ್ನು ಉಳಿದ ಮೊತ್ತದ ಬಹುತೇಕ ಪಾಲು ತಿಂಗಳು ಕಳೆದಂತೆ ಅಸಲಿಗೆ ಹೆಚ್ಚು ಪಾವತಿಯಾಗಿ ಬಡ್ಡಿಯ ಪ್ರಮಾಣ ಕಡಿಮೆಯಾಗುತ್ತಾ ಹೋಗುತ್ತದೆ. ಆದರೂ, ಮಾಸಿಕವಾಗಿ ಸುಮಾರು ₹25 ಸಾವಿರದಷ್ಟು ಮೊತ್ತವನ್ನು ನೀವು ಈಗಲೂ ಬಡ್ಡಿಯಾಗಿ ಪಾವತಿಸುತ್ತಿರಬಹುದು. ಇದು ವಾರ್ಷಿಕವಾಗಿ ₹3 ಲಕ್ಷ ಆಗಲಿದೆ. ನಿಮ್ಮ ಸಾಲದ ಕರಾರು ಪತ್ರದಲ್ಲಿ ಮರುಪಾವತಿಗೆ ಸಂಬಂಧಿಸಿದ ಯಾವುದಾದರೂ ಷರತ್ತು, ಮಿತಿ ಇತ್ಯಾದಿ ಇದ್ದರೆ ಪರಿಶೀಲಿಸಿ ಅಥವಾ ಸಂಬಂಧಪಟ್ಟ ಬ್ಯಾಂಕ್ ಸಂಪರ್ಕಿಸಿ ಮಾಹಿತಿ ಪಡೆದುಕೊಳ್ಳಿ. \u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F929e13c8-147b-4a2f-bf24-887a99d681c8\u002Felement\u002Fa9adc75b-054e-4a6e-ac96-4241b9c087d5","type":"text","family-id":"bf5d723a-a263-49e8-81fb-70b7d8c0a466","title":"","id":"a9adc75b-054e-4a6e-ac96-4241b9c087d5","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಇನ್ನು ಸಾಲ ಮರುಪಾವತಿ ಅಥವಾ ಹೂಡಿಕೆಗೆ ಇರುವ ಅವಕಾಶಗಳ ಬಗ್ಗೆ ತುಲನೆ ಮಾಡುವುದಾದರೆ ಇವೆರಡೂ ಖಚಿತ ಬಡ್ಡಿ ಉಳಿತಾಯ ಹಾಗೂ ಹೂಡಿಕೆಯ ಮೇಲಿನ ಅಂದಾಜು ಗಳಿಕೆಯ ಮೇಲೆ ನಿರ್ಣಯಿಸಬೇಕಾಗಿದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F929e13c8-147b-4a2f-bf24-887a99d681c8\u002Felement\u002Fc5e13428-907d-474d-a9d9-74f1aa425965","type":"text","family-id":"6560f380-b05b-456c-9d04-8353cec9f9ed","title":"","id":"c5e13428-907d-474d-a9d9-74f1aa425965","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಸಾಲಕ್ಕೆ ಮರುಪಾವತಿಸುವ ಪ್ರತಿ ಒಂದು ರೂಪಾಯಿಯೂ ನಿಮ್ಮ ಬಡ್ಡಿಯನ್ನು ತಗ್ಗಿಸಲಿದೆ. ಜೊತೆಗೆ, ಬೇಗನೆ ಸಾಲದಿಂದ ಹೊರಬರಲು ನೆರವಾಗುತ್ತದೆ. ಆದರೆ, ಅದೇ ಮೊತ್ತವನ್ನು ಮಾರುಕಟ್ಟೆ ಆಧಾರಿತ ಉತ್ಪನ್ನಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಿದಾಗ ನಿಮ್ಮ ಬಂಡವಾಳ ಮೊತ್ತಕ್ಕೆ ಕೆಲವೊಮ್ಮೆ ಪೆಟ್ಟು ಬೀಳುವ ಸಾಧ್ಯತೆ ಇದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F929e13c8-147b-4a2f-bf24-887a99d681c8\u002Felement\u002Fa8680b14-125c-46f2-89d7-9b71c49ae91a","type":"text","family-id":"b2b33bb0-e209-4159-904b-4b97aa18e272","title":"","id":"a8680b14-125c-46f2-89d7-9b71c49ae91a","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಹೀಗಾಗಿ, ನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ಮರುಪಾವತಿಗೆ ಅವಕಾಶ ಇರುವ ಎಲ್ಲಾ ಮೊತ್ತವನ್ನು ಆದ್ಯತೆ ಮೇರೆಗೆ ಪಾವತಿಸಿ. ನಿಮ್ಮ ಹೂಡಿಕೆ ವಾರ್ಷಿಕವಾಗಿ ಶೇ 15ರಿಂದ ಶೇ 20ರಷ್ಟು ಲಾಭ ನೀಡುವ ಅವಕಾಶವಿರುವ ಹೂಡಿಕೆ ಎಂಬ ಧೈರ್ಯವಿದ್ದರೆ, ಹೆಚ್ಚುವರಿ ಮೊತ್ತವನ್ನು ಹೂಡಿಕೆ ಮಾಡಬಹುದಾಗಿದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F929e13c8-147b-4a2f-bf24-887a99d681c8\u002Felement\u002Fd1e497e6-73ea-410c-b54b-75a1fecb909f","type":"text","family-id":"a0897da0-db3e-47fa-9beb-a5b7983e1e85","title":"","id":"d1e497e6-73ea-410c-b54b-75a1fecb909f","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಸಂತೋಷ್, ಚಿತ್ರದುರ್ಗ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F929e13c8-147b-4a2f-bf24-887a99d681c8\u002Felement\u002F0c3fd37e-07b8-4814-8c25-229794a342e4","type":"text","family-id":"be5072e2-60d5-417d-b521-c7f8292f36bf","title":"","id":"0c3fd37e-07b8-4814-8c25-229794a342e4","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಶ್ನೆ:\u003C\u002Fstrong\u003E ನಾನು ಖಾಸಗಿ ಕೆಲಸ ನಿರ್ವಹಿಸುತ್ತಿದ್ದು, ಬಿಪಿಎಲ್ ಕಾರ್ಡ್ ಹೊಂದಿದ್ದೇನೆ. ಮುಂದಿನ ದಿನಗಳಲ್ಲಿ ಮನೆ ಕಟ್ಟಿಸುವ ಯೋಚನೆ ಇದೆ. ಇದಕ್ಕಾಗಿ ಬ್ಯಾಂಕ್‌ನಿಂದ ಸಾಲ ಪಡೆಯಲು ಏನು ಮಾಡಬೇಕು? ನನಗೆ ಯಾವುದೇ ಸ್ವಂತ ಮನೆ ಇರುವುದಿಲ್ಲ. ಜಮೀನು ಇರುವುದಿಲ್ಲ. ಖಾಸಗಿಯಾಗಿ ದುಡಿಯುವ ನನಗೆ ಅದೊಂದೇ ಆದಾಯದ ಮೂಲವಾಗಿದೆ. ಬ್ಯಾಂಕ್‌ನಲ್ಲಿ ಐ.ಟಿ ರಿಟರ್ನ್ಸ್ ಇದ್ದರೆ ಮಾತ್ರ ನಿಮಗೆ ಸಾಲ ಸಿಗುತ್ತದೆ ಎಂದು ಹೇಳುತ್ತಿದ್ದಾರೆ. ಇದಕ್ಕೆ ಪರಿಹಾರವೇನು?\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F929e13c8-147b-4a2f-bf24-887a99d681c8\u002Felement\u002Fe691f770-d22a-431b-9221-0da761abb898","type":"text","family-id":"b9268f45-06ba-4e7b-8657-6736f676c0ef","title":"","id":"e691f770-d22a-431b-9221-0da761abb898","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಉತ್ತರ:\u003C\u002Fstrong\u003E ನಿಮ್ಮ ಪ್ರಶ್ನೆ ಸಹಜವಾದುದು. ಯಾವುದೇ ವ್ಯಕ್ತಿ ತನಗೆ ತೆರಿಗೆ ಕಟ್ಟಬೇಕಾಗುವ ಆದಾಯ ಇಲ್ಲದಿದ್ದಾಗ ಆದಾಯ ತೆರಿಗೆಯ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವ ಪ್ರಮೇಯ ಬರುವುದಿಲ್ಲ. ಸಾಮಾನ್ಯವಾಗಿ ಬ್ಯಾಂಕ್‌ಗಳು, ಸಾಲ ಕೊಡುವಾಗ ಕೆಲವು ಸೂಚಿತ ಕಾನೂನಿನ ಮಾರ್ಗದರ್ಶಿ ಸೂತ್ರಗಳನ್ನು ಅನುಸರಿಸುತ್ತವೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F929e13c8-147b-4a2f-bf24-887a99d681c8\u002Felement\u002Fac69c0ea-4d6e-43e1-9de5-3a9b018e035a","type":"text","family-id":"c648b52f-a277-481f-a7dd-f00705bc27b3","title":"","id":"ac69c0ea-4d6e-43e1-9de5-3a9b018e035a","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಹೀಗಾಗಿ, ಎಲ್ಲಾ ಬ್ಯಾಂಕ್‌ಗಳು ಸಾಲ ನೀಡುವಾಗ ಕೇಂದ್ರೀಯ ಬ್ಯಾ೦ಕ್‌ನ ನಿರ್ದೇಶನಗಳನ್ನು ಪಾಲನೆ ಮಾಡಬೇಕಾಗುತ್ತದೆ. ಅದರ ಭಾಗವಾಗಿ ಬ್ಯಾಂಕ್‌ಗಳು ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಬಗ್ಗೆ ಮಾಹಿತಿ ಕೇಳುತ್ತವೆ. ನಿಶ್ಚಿತ ಆದಾಯ ಇದ್ದಾಗ ಸಾಲದ ಮರುಪಾವತಿ ಸಾಮರ್ಥ್ಯ ಇದೆ ಎನ್ನುವುದನ್ನು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳುವುದಕ್ಕೆ ಈ ಕ್ರಮವನ್ನು ಅನುಸರಿಸುತ್ತವೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F929e13c8-147b-4a2f-bf24-887a99d681c8\u002Felement\u002F958dc577-e820-4abe-98c4-db99c8dba0b5","type":"text","family-id":"922d5c85-3bdd-4a8e-b49b-819ceb64b0f0","title":"","id":"958dc577-e820-4abe-98c4-db99c8dba0b5","metadata":{},"subtype":null,"text":"\u003Cp\u003Eನೀವು ನೀಡಿದ ಮಾಹಿತಿಯಲ್ಲಿ  ನಿಖರ ಆದಾಯ ಅಥವಾ ವೃತ್ತಿ ಏನೆಂಬ ಬಗ್ಗೆ ಮಾಹಿತಿ ಇಲ್ಲ. ಆದರೆ, ನೀವು ಸ್ವಉದ್ಯೋಗ ಮಾಡುವುದಾಗಿ ತಿಳಿಸಿದ್ದೀರಿ. ನೀವು ಬಿಪಿಎಲ್ ಕಾರ್ಡ್ ಹೊಂದಿದ್ದರೂ ಅದು ಹಳೆಯ ಮಾಹಿತಿಯ ಆದಾಯದ ಆಧಾರದಲ್ಲಿ ಪಡೆದುದಾಗಿರಬಹುದು ಹಾಗೂ ಅದಕ್ಕಾಗಿ ಕುಟುಂಬದ ವಾರ್ಷಿಕ ಆದಾಯ ಸುಮಾರು ₹1.20 ಲಕ್ಷದೊಳಗಿದ್ದು, ಸಂಬಂಧಪಟ್ಟ ಇತರೆ ನಿಯಮದೊಳಗೆ ಒಳಪಟ್ಟರೆ ಮಾತ್ರ ಪಡೆಯಲು ಅರ್ಹತೆ ಇರುತ್ತದೆ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F929e13c8-147b-4a2f-bf24-887a99d681c8\u002Felement\u002F77e1749b-e39f-4567-aaf8-ad0c71eac5ef","type":"text","family-id":"91d492e1-7c5a-4967-b284-75cd3958e6be","title":"","id":"77e1749b-e39f-4567-aaf8-ad0c71eac5ef","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಒಂದು ವೇಳೆ ನಿಮ್ಮ ವೈಯಕ್ತಿಕ ತೆರಿಗೆ ಆದಾಯವು ವಾರ್ಷಿಕವಾಗಿ ₹2.50 ಲಕ್ಷಕ್ಕೂ ಮೀರಿದ್ದರೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವುದು ಅನಿವಾರ್ಯವಾಗುತ್ತದೆ. ನಿಮಗೆ ಅನ್ವಯವಾಗುವ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಇತ್ಯಾದಿಯನ್ನು ಪಡೆದುಕೊಳ್ಳಬಹುದು. ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಿದ ಮಾತ್ರಕ್ಕೆ ತೆರಿಗೆ ಇದೆ ಎಂದೇನಿಲ್ಲ. ಹೊಸ ತೆರಿಗೆ ನಿಯಮದಡಿ ಸುಮಾರು ₹7 ಲಕ್ಷದ ವರೆಗಿನ ಆದಾಯಕ್ಕೆ ತೆರಿಗೆ ಇರುವುದಿಲ್ಲ. ಈ ಬಗ್ಗೆ ನೆರವು ಪಡೆಯಲು ಸಮೀಪದ ತೆರಿಗೆ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸಿ ಮಾಹಿತಿ ಪಡೆಯಿರಿ.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F929e13c8-147b-4a2f-bf24-887a99d681c8\u002Felement\u002F15c3368f-fdc8-4db1-bdb6-81344c2e19b3","type":"text","family-id":"29c6354a-f8cd-478b-818d-96837b56c43f","title":"","id":"15c3368f-fdc8-4db1-bdb6-81344c2e19b3","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಇನ್ನೂ ಒಂದು ಇರುವ ಅವಕಾಶವೆಂದರೆ, ಪ್ರಧಾನ ಮಂತ್ರಿ ಆವಾಸ ಯೋಜನೆ. ಇದು ಆರ್ಥಿಕವಾಗಿ ಹಿಂದುಳಿದ ವರ್ಗಕ್ಕೆ ಮನೆ ಹೊಂದಲು ನೆರವಾಗುವ ಯೋಜನೆಯಾಗಿದೆ. ಅಗತ್ಯ ದಾಖಲೆಗಳೊಂದಿಗೆ ಸ್ನೇಹಿತರ ನೆರವು ಪಡೆದು ಕೇಂದ್ರ ಸರ್ಕಾರದ ವೆಬ್‌ಸೈಟ್‌ನಲ್ಲಿ ನೋಂದಣಿ ಮಾಡಿಸಿಕೊಳ್ಳಬಹುದು.\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F929e13c8-147b-4a2f-bf24-887a99d681c8\u002Felement\u002Fcc567e02-81d8-4e52-a985-a2cd4d37ce3f","type":"text","family-id":"312ff936-7842-4b5d-8ba5-27e52416cd86","title":"","id":"cc567e02-81d8-4e52-a985-a2cd4d37ce3f","metadata":{},"subtype":null,"text":"\u003Cp\u003Eಯಾವುದೇ ಇತರೆ ಸಾಧ್ಯತೆಗಳಿದ್ದರೂ ನಿಮ್ಮ ಆದಾಯದ ಮೂಲ ಹೆಚ್ಚಿಸುವ ಬಗ್ಗೆ ಗಮನಹರಿಸಿ. ನಿಮ್ಮ ಮೂಲ ಉದ್ದೇಶ ಮನೆ ಹೊಂದುವುದಾಗಿದೆ. 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\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"width":1200,"height":675,"focus-point":[586,211]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fcommerce-commerce-qa-i-built-a-house-10-years-ago-2806506","story-version-id":"7d900107-1685-468b-bf9d-55fdf2584de1","content-type":"story","content-updated-at":1715740343457,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca 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ಮೂರ್ತಿ, ಹಾಸನ\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F332ab555-e4c6-412b-8bbd-1cfd61721ab8\u002Felement\u002F7fdf9ac5-488a-41cc-a1f6-34a8f848b6e8","type":"text","family-id":"52e7330a-dfaf-4970-aaaf-a1be6da3713c","title":"","id":"7fdf9ac5-488a-41cc-a1f6-34a8f848b6e8","metadata":{"question":"\u003Cp\u003Eನಾನು ಕಳೆದ ಕೆಲವು ವರ್ಷಗಳಿಂದ ಮೆಡಿಕಲ್ ಇನ್ಶೂರೆನ್ಸ್ ಪಾಲಿಸಿ ಪ್ರೀಮಿಯಂ ಪಾವತಿ ಮಾಡುತ್ತಿದ್ದೇನೆ. ಇದು ಆರೋಗ್ಯ ವಿಮೆಗೆ ಸಂಬಂಧಿಸಿದ್ದಾಗಿದ್ದು ಪ್ರಸ್ತುತ ನಾನು ಇನ್ಶೂರೆನ್ಸ್ ಮಾಡಿಸಿರುವ ಕಂಪನಿ ಮುಂದಿನ ಮೂರು ವರ್ಷದ ಮುಂಗಡ ಪ್ರೀಮಿಯಂ ಪಾವತಿಗೆ ಹೆಚ್ಚುವರಿ ರಿಯಾಯಿತಿ ಕೊಡುವುದಾಗಿ ಹೇಳುತ್ತಿದೆ. ನಾನು ಇದರಿಂದ ಪ್ರಯೋಜನ ಪಡೆದುಕೊಳ್ಳಬಹುದೇ? ಪ್ರತಿ ವರ್ಷ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವ ಸಂದರ್ಭದಲ್ಲಿ ನಾನು ಒಂದೇ ಬಾರಿಗೆ ಪ್ರೀಮಿಯಂ ಪಾವತಿಸುವುದರಿಂದ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಪಡೆಯುವುದು ಹೇಗೆ? ಪಾವತಿ ಕೇವಲ ಮೊದಲ ವರ್ಷದಲ್ಲಿ ಆಗುತ್ತಿರುವ ಕಾರಣ ಮುಂದಿನ ವರ್ಷಗಳಲ್ಲಿ ಮುಂಗಡ ಪಾವತಿ ಪ್ರಯೋಜನ ಸಿಗುತ್ತದೆಯೇ?\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eಉತ್ತರ: ಆದಾಯ ತೆರಿಗೆಯ ಸೆಕ್ಷನ್ 80ಡಿ ಇದರಡಿ ಯಾವುದೇ ವೈದ್ಯಕೀಯ ವೆಚ್ಚ ನಿರ್ವಹಣೆಗೆ ಸಂಬಂಬಂಧಿಸಿ ಪಾವತಿಸುವ ವಿಮಾ ಕಂತುಗಳಿಗೆ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಸಿಗುತ್ತದೆ. ಆದರೆ ತೆರಿಗೆದಾರರು ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿ ಆಯ್ಕೆ ಮಾಡಿಕೊಂಡ ಸಂದರ್ಭದಲ್ಲಿ ಈ ರಿಯಾಯಿತಿಯ ವಿಮರ್ಶೆ ಪ್ರಸ್ತುತವಲ್ಲ. ಕಾರಣ, ಈ ತೆರಿಗೆ ಪದ್ಧತಿಯಡಿ ವಿಮೆಗೆ ಸಂಬಂಧಿಸಿ ಯಾವುದೇ ರಿಯಾಯಿತಿ ಸಿಗುವುದಿಲ್ಲ. ಆದರೆ, ಹಳೆಯ ತೆರಿಗೆ ಪದ್ಧತಿ ಅನುಸರಿಸುವವರಿಗೆ ಈ ವಿಚಾರವಾಗಿ ನಿರ್ಧರಿಸುವುದು ಅನಿವಾರ್ಯ.\u003C\u002Fp\u003E\u003Cp\u003Eತೆರಿಗೆ ಕಾಯಿದೆಯಡಿ ಮೇಲೆ ತಿಳಿಸಿರುವ ಸೆಕ್ಷನ್ ಪ್ರಕಾರ ವೈದ್ಯಕೀಯ ವೆಚ್ಚಕ್ಕಾಗಿ ಪಾವತಿ ಮಾಡುವ ಮುಂಗಡ ಮೊತ್ತಕ್ಕೂ ತೆರಿಗೆ ಲಾಭ ಇದೆ. ಕೆಲವೊಮ್ಮೆ ವಿಮಾ ಕಂಪನಿಗಳು ಪಾಲಿಸಿದಾರರಿಗೆ ರಿಯಾಯಿತಿ ನೀಡಿ ಮುಂಗಡ ಹಣ ಪಡೆದು ವಿಮಾ ಸೌಲಭ್ಯ ನೀಡುತ್ತವೆ. ನೀವು ಮುಂಗಡ ಹಣ ಪಾವತಿಸುತ್ತಿರುವ ಕಾರಣ ಅಂತಹ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ನಿಮಗೂ ಸಿಗುತ್ತದೆ. ಇನ್ನು ರಿಯಾಯಿತಿ ನೀಡುತ್ತಿರುವ ಬಗ್ಗೆ ಹೇಳುವುದಾದರೆ, ನಿಮ್ಮ ಮೂಲ ಪಾಲಿಸಿಯ ಸೌಲಭ್ಯಗಳಲ್ಲಿ ಯಾವುದೇ ಕಡಿತ ಆಗಿಲ್ಲ ಎಂಬುದನ್ನು ಮೊದಲು ಖಚಿತ ಮಾಡಿಕೊಂಡು ಮುಂದುವರಿಯಬಹುದು.  \u003C\u002Fp\u003E\u003Cp\u003Eಸೆಕ್ಷನ್ 80ಡಿ (4ಎ) ಪ್ರಕಾರ, ಮುಂಗಡವಾಗಿ ಪಾವತಿಸುವ ಇನ್ಶೂರೆನ್ಸ್ ಮೊತ್ತಕ್ಕೆ ಆಯಾ ವರ್ಷಕ್ಕೆ ಸಂಬಂಧಿಸಿದ ಮೊತ್ತ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಪಡೆಯಲು ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ. ಈ ಸಂಬಂಧ ಅಗತ್ಯ ದಾಖಲೆಗಳನ್ನು ವಿಮಾ ಕಂಪನಿಗಳಿಂದ ಸಂಗ್ರಹಿಸಿಟ್ಟುಕೊಳ್ಳಿ. ಪ್ರತಿ ವರ್ಷ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವ ಸಂದರ್ಭದಲ್ಲಿ ಅಗತ್ಯ ಮಾಹಿತಿ ಭರ್ತಿಮಾಡಿ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಕಳೆದ ಕೆಲವು ವರ್ಷಗಳಿಂದ ಮೆಡಿಕಲ್ ಇನ್ಶೂರೆನ್ಸ್ ಪಾಲಿಸಿ ಪ್ರೀಮಿಯಂ ಪಾವತಿ ಮಾಡುತ್ತಿದ್ದೇನೆ. ಇದು ಆರೋಗ್ಯ ವಿಮೆಗೆ ಸಂಬಂಧಿಸಿದ್ದಾಗಿದ್ದು ಪ್ರಸ್ತುತ ನಾನು ಇನ್ಶೂರೆನ್ಸ್ ಮಾಡಿಸಿರುವ ಕಂಪನಿ ಮುಂದಿನ ಮೂರು ವರ್ಷದ ಮುಂಗಡ ಪ್ರೀಮಿಯಂ ಪಾವತಿಗೆ ಹೆಚ್ಚುವರಿ ರಿಯಾಯಿತಿ ಕೊಡುವುದಾಗಿ ಹೇಳುತ್ತಿದೆ. ನಾನು ಇದರಿಂದ ಪ್ರಯೋಜನ ಪಡೆದುಕೊಳ್ಳಬಹುದೇ? ಪ್ರತಿ ವರ್ಷ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವ ಸಂದರ್ಭದಲ್ಲಿ ನಾನು ಒಂದೇ ಬಾರಿಗೆ ಪ್ರೀಮಿಯಂ ಪಾವತಿಸುವುದರಿಂದ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಪಡೆಯುವುದು ಹೇಗೆ? ಪಾವತಿ ಕೇವಲ ಮೊದಲ ವರ್ಷದಲ್ಲಿ ಆಗುತ್ತಿರುವ ಕಾರಣ ಮುಂದಿನ ವರ್ಷಗಳಲ್ಲಿ ಮುಂಗಡ ಪಾವತಿ ಪ್ರಯೋಜನ ಸಿಗುತ್ತದೆಯೇ?\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eಉತ್ತರ: ಆದಾಯ ತೆರಿಗೆಯ ಸೆಕ್ಷನ್ 80ಡಿ ಇದರಡಿ ಯಾವುದೇ ವೈದ್ಯಕೀಯ ವೆಚ್ಚ ನಿರ್ವಹಣೆಗೆ ಸಂಬಂಬಂಧಿಸಿ ಪಾವತಿಸುವ ವಿಮಾ ಕಂತುಗಳಿಗೆ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ಸಿಗುತ್ತದೆ. ಆದರೆ ತೆರಿಗೆದಾರರು ಹೊಸ ತೆರಿಗೆ ಪದ್ಧತಿ ಆಯ್ಕೆ ಮಾಡಿಕೊಂಡ ಸಂದರ್ಭದಲ್ಲಿ ಈ ರಿಯಾಯಿತಿಯ ವಿಮರ್ಶೆ ಪ್ರಸ್ತುತವಲ್ಲ. ಕಾರಣ, ಈ ತೆರಿಗೆ ಪದ್ಧತಿಯಡಿ ವಿಮೆಗೆ ಸಂಬಂಧಿಸಿ ಯಾವುದೇ ರಿಯಾಯಿತಿ ಸಿಗುವುದಿಲ್ಲ. ಆದರೆ, ಹಳೆಯ ತೆರಿಗೆ ಪದ್ಧತಿ ಅನುಸರಿಸುವವರಿಗೆ ಈ ವಿಚಾರವಾಗಿ ನಿರ್ಧರಿಸುವುದು ಅನಿವಾರ್ಯ.\u003C\u002Fp\u003E\u003Cp\u003Eತೆರಿಗೆ ಕಾಯಿದೆಯಡಿ ಮೇಲೆ ತಿಳಿಸಿರುವ ಸೆಕ್ಷನ್ ಪ್ರಕಾರ ವೈದ್ಯಕೀಯ ವೆಚ್ಚಕ್ಕಾಗಿ ಪಾವತಿ ಮಾಡುವ ಮುಂಗಡ ಮೊತ್ತಕ್ಕೂ ತೆರಿಗೆ ಲಾಭ ಇದೆ. ಕೆಲವೊಮ್ಮೆ ವಿಮಾ ಕಂಪನಿಗಳು ಪಾಲಿಸಿದಾರರಿಗೆ ರಿಯಾಯಿತಿ ನೀಡಿ ಮುಂಗಡ ಹಣ ಪಡೆದು ವಿಮಾ ಸೌಲಭ್ಯ ನೀಡುತ್ತವೆ. ನೀವು ಮುಂಗಡ ಹಣ ಪಾವತಿಸುತ್ತಿರುವ ಕಾರಣ ಅಂತಹ ತೆರಿಗೆ ರಿಯಾಯಿತಿ ನಿಮಗೂ ಸಿಗುತ್ತದೆ. ಇನ್ನು ರಿಯಾಯಿತಿ ನೀಡುತ್ತಿರುವ ಬಗ್ಗೆ ಹೇಳುವುದಾದರೆ, ನಿಮ್ಮ ಮೂಲ ಪಾಲಿಸಿಯ ಸೌಲಭ್ಯಗಳಲ್ಲಿ ಯಾವುದೇ ಕಡಿತ ಆಗಿಲ್ಲ ಎಂಬುದನ್ನು ಮೊದಲು ಖಚಿತ ಮಾಡಿಕೊಂಡು ಮುಂದುವರಿಯಬಹುದು.  \u003C\u002Fp\u003E\u003Cp\u003Eಸೆಕ್ಷನ್ 80ಡಿ (4ಎ) ಪ್ರಕಾರ, ಮುಂಗಡವಾಗಿ ಪಾವತಿಸುವ ಇನ್ಶೂರೆನ್ಸ್ ಮೊತ್ತಕ್ಕೆ ಆಯಾ ವರ್ಷಕ್ಕೆ ಸಂಬಂಧಿಸಿದ ಮೊತ್ತ ತೆರಿಗೆ ವಿನಾಯಿತಿ ಪಡೆಯಲು ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ. ಈ ಸಂಬಂಧ ಅಗತ್ಯ ದಾಖಲೆಗಳನ್ನು ವಿಮಾ ಕಂಪನಿಗಳಿಂದ ಸಂಗ್ರಹಿಸಿಟ್ಟುಕೊಳ್ಳಿ. ಪ್ರತಿ ವರ್ಷ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವ ಸಂದರ್ಭದಲ್ಲಿ ಅಗತ್ಯ ಮಾಹಿತಿ ಭರ್ತಿಮಾಡಿ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F332ab555-e4c6-412b-8bbd-1cfd61721ab8\u002Felement\u002F32a42945-f60c-4822-8c15-d4ea1282e258","type":"text","family-id":"1faab437-5117-49f5-a5c0-7a7af0e870ae","title":"","id":"32a42945-f60c-4822-8c15-d4ea1282e258","metadata":{},"subtype":null,"text":"\u003Cp\u003E-ನಾಗಾನಂದ, ಬೆಂಗಳೂರು\u003C\u002Fp\u003E"},{"description":"","page-url":"\u002Fstory\u002F332ab555-e4c6-412b-8bbd-1cfd61721ab8\u002Felement\u002F20461e35-6b7a-4136-a7d9-1af483daa8fe","type":"text","family-id":"12ae29e7-ece3-4b8f-92a5-41735d6f6064","title":"","id":"20461e35-6b7a-4136-a7d9-1af483daa8fe","metadata":{"question":"\u003Cp\u003Eನಾನು ಈ ಬಾರಿಯ ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಬೇಕೆಂದಿದ್ದೇನೆ. ಇದಕ್ಕೆ ಪ್ರತಿ ವರ್ಷ ಸಮಯಾವಧಿ ಜುಲೈ 31 ಎಂಬುದಾಗಿ ತಿಳಿದುಕೊಂಡಿದ್ದೇನೆ. ಈ ಹಿಂದಿನ ವರ್ಷಗಳಲ್ಲಿ ನನ್ನ ಆದಾಯ ಕೇವಲ ವೇತನ ಹಾಗೂ ಬ್ಯಾಂಕ್ ಬಡ್ಡಿಯ ಮೂಲಗಳಿಂದ ಇತ್ತು. ಆದರೆ ಈ ವರ್ಷ ನನ್ನ ಆದಾಯಕ್ಕೆ ಮನೆ ಬಾಡಿಗೆ ಆದಾಯ ಹಾಗೂ ಕೆಲವು ಷೇರು ವ್ಯವಹಾರದ ಲಾಭಾಂಶ ಕೂಡಾ ಹೆಚ್ಚುವರಿಯಾಗಿ ಸೇರ್ಪಡೆ ಆಗಿವೆ. ಮನೆಗೆ ಸಂಬಂಧಿಸಿ ಸಾಲವೂ ಇದೆ. ಈ ಹಿಂದೆ ನಾನು ರಿಟರ್ನ್ಸ್ ಸ್ವಂತ ಸಲ್ಲಿಕೆ ಮಾಡುತ್ತಿದ್ದೆ. ಆದರೆ ಪ್ರಸ್ತುತ ಸನ್ನಿವೇಶದಲ್ಲಿ ಹೆಚ್ಚುವರಿ ಆದಾಯ ಹಾಗೂ ಅದಕ್ಕೆ ಸಂಬಂಧಿಸಿದ ರಿಯಾಯಿತಿ ಇರುವುದರಿಂದ, ಕಾನೂನಿನ ಮಾಹಿತಿ ಹಾಗೂ ನಿರ್ದಿಷ್ಟ ಅರಿವು ಬೇಕಾಗಿದೆ. ಇಂತಹ ಸಂದರ್ಭದಲ್ಲಿ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವಲ್ಲಿ ನೆರವಾಗುವ ಜಾಲತಾಣಗಳಿಗೆ ಆನ್‌ಲೈನ್‌ ಮೂಲಕ ನಮ್ಮ ಆದಾಯದ ವಿವರ ನೀಡಿ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವುದು ಸೂಕ್ತವೇ ಅಥವಾ ಯಾವುದಾದರೂ ಸ್ಥಳೀಯ ತೆರಿಗೆ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸುವುದು ಸೂಕ್ತವೇ?\u003C\u002Fp\u003E","answer":"\u003Cp\u003Eನೀವು ತಿಳಿದಿರುವಂತೆ ಜುಲೈ 31, ಪ್ರತಿ ವರ್ಷವೂ ವೈಯಕ್ತಿಕ ತೆರಿಗೆ ಪಾವತಿದಾರರಿಗೆ ತಮ್ಮ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಲು ಇರುವ ಗಡುವು. ಯಾವುದೇ ವ್ಯಾಪಾರ ವ್ಯವಹಾರ ಅಥವಾ ಸ್ವ ಉದ್ಯೋಗ ಇದ್ದು ಲೆಕ್ಕಪರಿಶೋಧನೆಗೆ ಒಳಪಟ್ಟ ಸಂದರ್ಭಗಳಲ್ಲಿ ಮಾತ್ರ ಹೆಚ್ಚಿನ ಕಾಲಾವಕಾಶ ಸಿಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ಪ್ರಸ್ತುತ ಹೆಚ್ಚುವರಿ ಆದಾಯ ಇದ್ದು, ಸರಿಯಾದ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಕೆಗೆ ಪೂರಕ ಮಾಹಿತಿಯೂ ಅಗತ್ಯವಾಗಿ ಬೇಕಾಗಬಹುದು. ನಿಮ್ಮ ಮನೆಯ ನಿರ್ಮಾಣಕ್ಕೆ ಸಾಲ ಪಡೆದಿರುವುದಾಗಿ ತಿಳಿಸಿರುತ್ತೀರಿ. ಬಾಡಿಗೆ ಆದಾಯವೂ ಇರುವುದರಿಂದ ನಿಮಗೆ ₹2 ಲಕ್ಷದ ಮಿತಿ ಇರದೆ ವಾಸ್ತವ ಬಡ್ಡಿಯ ಮೇಲೆ ವಿನಾಯಿತಿ ಸಿಗುತ್ತದೆ. ಈ ಆದಾಯಕ್ಕೆ ನಿಮಗೆ ವೈಯಕ್ತಿಕ ತೆರಿಗೆ ದರ ಅನ್ವಯಿಸುತ್ತದೆ. ಷೇರುಗಳ ವಿಚಾರದಲ್ಲಿ ನಿಮ್ಮ ವ್ಯವಹಾರವನ್ನು ದೀರ್ಘಾವಧಿ ಹಾಗೂ ಅಲ್ಪಾವಧಿ ಎಂಬ ವರ್ಗದಲ್ಲಿ ವಿಂಗಡಿಸಬೇಕಾ ಗುತ್ತದೆ. ದೀರ್ಘಾವಧಿ ಬಂಡವಾಳ ಲಾಭಕ್ಕೆ, ₹1 ಲಕ್ಷ ಲಾಭದ ತನಕ ತೆರಿಗೆ ಇರುವುದಿಲ್ಲ. ಇದಕ್ಕೂ ಹೆಚ್ಚಿನ ಮೊತ್ತಕ್ಕೆ ಶೇ 10ರ ತೆರಿಗೆ ಹಾಗೂ ಅಲ್ಪಾವಧಿ ಬಂಡವಾಳ ಲಾಭಕ್ಕೆ ಶೇ 15ರ ತೆರಿಗೆ ಇರುತ್ತದೆ.  \u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಸ್ವತಃ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವುದಿದ್ದರೆ ಅನೇಕ ಮಾಹಿತಿ ಹೊಂದಿರಬೇಕಾಗುತ್ತದೆ. ಅನೇಕ ವಿಚಾರಗಳಿಗೆ ಸಂಬಂಧಿಸಿ ಸಮರ್ಪಕ ಮಾಹಿತಿ ಹಾಗೂ ದಾಖಲೆಗಳು ಅಗತ್ಯ. ಇಂದು ಅನೇಕ ವೆಬ್‌ಸೈಟ್‌ಗಳು ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವಲ್ಲಿ ನೆರವಾಗುತ್ತಿವೆ. ಇವುಗಳನ್ನು ನೇರ ಮಾಹಿತಿ ಇದ್ದಾಗ ಬಳಸುವುದು ತುಂಬಾ ಸುಲಭ. ಆದರೆ, ಕೆಲವು ಸಂದರ್ಭಗಳಲ್ಲಿ ಹೆಚ್ಚಿನ ಮಾಹಿತಿ ಹಾಗೂ ಕಾನೂನಿನ ನಿಷ್ಕರ್ಷೆ ಅಗತ್ಯ ವಿರುತ್ತದೆ. ಈ ಅವಕಾಶ ಮುಖಾಮುಖಿ ಸಮಾಲೋಚನೆಯಲ್ಲಷ್ಟೇ ಸಾಧ್ಯ. ಹೀಗಾಗಿ ನಿಮ್ಮ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಸಮೀಪದ ತೆರಿಗೆ ಸಲಹೆಗಾರರ ನೆರವಿನಿಂದ ಸಲ್ಲಿಸುವುದು ಹೆಚ್ಚು ಸೂಕ್ತ.\u003C\u002Fp\u003E"},"subtype":"q-and-a","text":"\u003Cdiv\u003E\u003Cdiv class=\"question\"\u003E\u003Cp\u003Eನಾನು ಈ ಬಾರಿಯ ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಬೇಕೆಂದಿದ್ದೇನೆ. ಇದಕ್ಕೆ ಪ್ರತಿ ವರ್ಷ ಸಮಯಾವಧಿ ಜುಲೈ 31 ಎಂಬುದಾಗಿ ತಿಳಿದುಕೊಂಡಿದ್ದೇನೆ. ಈ ಹಿಂದಿನ ವರ್ಷಗಳಲ್ಲಿ ನನ್ನ ಆದಾಯ ಕೇವಲ ವೇತನ ಹಾಗೂ ಬ್ಯಾಂಕ್ ಬಡ್ಡಿಯ ಮೂಲಗಳಿಂದ ಇತ್ತು. ಆದರೆ ಈ ವರ್ಷ ನನ್ನ ಆದಾಯಕ್ಕೆ ಮನೆ ಬಾಡಿಗೆ ಆದಾಯ ಹಾಗೂ ಕೆಲವು ಷೇರು ವ್ಯವಹಾರದ ಲಾಭಾಂಶ ಕೂಡಾ ಹೆಚ್ಚುವರಿಯಾಗಿ ಸೇರ್ಪಡೆ ಆಗಿವೆ. ಮನೆಗೆ ಸಂಬಂಧಿಸಿ ಸಾಲವೂ ಇದೆ. ಈ ಹಿಂದೆ ನಾನು ರಿಟರ್ನ್ಸ್ ಸ್ವಂತ ಸಲ್ಲಿಕೆ ಮಾಡುತ್ತಿದ್ದೆ. ಆದರೆ ಪ್ರಸ್ತುತ ಸನ್ನಿವೇಶದಲ್ಲಿ ಹೆಚ್ಚುವರಿ ಆದಾಯ ಹಾಗೂ ಅದಕ್ಕೆ ಸಂಬಂಧಿಸಿದ ರಿಯಾಯಿತಿ ಇರುವುದರಿಂದ, ಕಾನೂನಿನ ಮಾಹಿತಿ ಹಾಗೂ ನಿರ್ದಿಷ್ಟ ಅರಿವು ಬೇಕಾಗಿದೆ. ಇಂತಹ ಸಂದರ್ಭದಲ್ಲಿ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವಲ್ಲಿ ನೆರವಾಗುವ ಜಾಲತಾಣಗಳಿಗೆ ಆನ್‌ಲೈನ್‌ ಮೂಲಕ ನಮ್ಮ ಆದಾಯದ ವಿವರ ನೀಡಿ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವುದು ಸೂಕ್ತವೇ ಅಥವಾ ಯಾವುದಾದರೂ ಸ್ಥಳೀಯ ತೆರಿಗೆ ಸಲಹೆಗಾರರನ್ನು ಸಂಪರ್ಕಿಸುವುದು ಸೂಕ್ತವೇ?\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003Cdiv class=\"answer\"\u003E\u003Cp\u003Eನೀವು ತಿಳಿದಿರುವಂತೆ ಜುಲೈ 31, ಪ್ರತಿ ವರ್ಷವೂ ವೈಯಕ್ತಿಕ ತೆರಿಗೆ ಪಾವತಿದಾರರಿಗೆ ತಮ್ಮ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸಲು ಇರುವ ಗಡುವು. ಯಾವುದೇ ವ್ಯಾಪಾರ ವ್ಯವಹಾರ ಅಥವಾ ಸ್ವ ಉದ್ಯೋಗ ಇದ್ದು ಲೆಕ್ಕಪರಿಶೋಧನೆಗೆ ಒಳಪಟ್ಟ ಸಂದರ್ಭಗಳಲ್ಲಿ ಮಾತ್ರ ಹೆಚ್ಚಿನ ಕಾಲಾವಕಾಶ ಸಿಗುತ್ತದೆ.\u003C\u002Fp\u003E\u003Cp\u003Eನಿಮ್ಮ ವಿಚಾರದಲ್ಲಿ ಪ್ರಸ್ತುತ ಹೆಚ್ಚುವರಿ ಆದಾಯ ಇದ್ದು, ಸರಿಯಾದ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಕೆಗೆ ಪೂರಕ ಮಾಹಿತಿಯೂ ಅಗತ್ಯವಾಗಿ ಬೇಕಾಗಬಹುದು. ನಿಮ್ಮ ಮನೆಯ ನಿರ್ಮಾಣಕ್ಕೆ ಸಾಲ ಪಡೆದಿರುವುದಾಗಿ ತಿಳಿಸಿರುತ್ತೀರಿ. ಬಾಡಿಗೆ ಆದಾಯವೂ ಇರುವುದರಿಂದ ನಿಮಗೆ ₹2 ಲಕ್ಷದ ಮಿತಿ ಇರದೆ ವಾಸ್ತವ ಬಡ್ಡಿಯ ಮೇಲೆ ವಿನಾಯಿತಿ ಸಿಗುತ್ತದೆ. ಈ ಆದಾಯಕ್ಕೆ ನಿಮಗೆ ವೈಯಕ್ತಿಕ ತೆರಿಗೆ ದರ ಅನ್ವಯಿಸುತ್ತದೆ. ಷೇರುಗಳ ವಿಚಾರದಲ್ಲಿ ನಿಮ್ಮ ವ್ಯವಹಾರವನ್ನು ದೀರ್ಘಾವಧಿ ಹಾಗೂ ಅಲ್ಪಾವಧಿ ಎಂಬ ವರ್ಗದಲ್ಲಿ ವಿಂಗಡಿಸಬೇಕಾ ಗುತ್ತದೆ. ದೀರ್ಘಾವಧಿ ಬಂಡವಾಳ ಲಾಭಕ್ಕೆ, ₹1 ಲಕ್ಷ ಲಾಭದ ತನಕ ತೆರಿಗೆ ಇರುವುದಿಲ್ಲ. ಇದಕ್ಕೂ ಹೆಚ್ಚಿನ ಮೊತ್ತಕ್ಕೆ ಶೇ 10ರ ತೆರಿಗೆ ಹಾಗೂ ಅಲ್ಪಾವಧಿ ಬಂಡವಾಳ ಲಾಭಕ್ಕೆ ಶೇ 15ರ ತೆರಿಗೆ ಇರುತ್ತದೆ.  \u003C\u002Fp\u003E\u003Cp\u003Eನೀವು ಸ್ವತಃ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವುದಿದ್ದರೆ ಅನೇಕ ಮಾಹಿತಿ ಹೊಂದಿರಬೇಕಾಗುತ್ತದೆ. ಅನೇಕ ವಿಚಾರಗಳಿಗೆ ಸಂಬಂಧಿಸಿ ಸಮರ್ಪಕ ಮಾಹಿತಿ ಹಾಗೂ ದಾಖಲೆಗಳು ಅಗತ್ಯ. ಇಂದು ಅನೇಕ ವೆಬ್‌ಸೈಟ್‌ಗಳು ಆದಾಯ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಸಲ್ಲಿಸುವಲ್ಲಿ ನೆರವಾಗುತ್ತಿವೆ. ಇವುಗಳನ್ನು ನೇರ ಮಾಹಿತಿ ಇದ್ದಾಗ ಬಳಸುವುದು ತುಂಬಾ ಸುಲಭ. ಆದರೆ, ಕೆಲವು ಸಂದರ್ಭಗಳಲ್ಲಿ ಹೆಚ್ಚಿನ ಮಾಹಿತಿ ಹಾಗೂ ಕಾನೂನಿನ ನಿಷ್ಕರ್ಷೆ ಅಗತ್ಯ ವಿರುತ್ತದೆ. ಈ ಅವಕಾಶ ಮುಖಾಮುಖಿ ಸಮಾಲೋಚನೆಯಲ್ಲಷ್ಟೇ ಸಾಧ್ಯ. ಹೀಗಾಗಿ ನಿಮ್ಮ ತೆರಿಗೆ ರಿಟರ್ನ್ಸ್ ಸಮೀಪದ ತೆರಿಗೆ ಸಲಹೆಗಾರರ ನೆರವಿನಿಂದ ಸಲ್ಲಿಸುವುದು ಹೆಚ್ಚು ಸೂಕ್ತ.\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E"},{"description":"","page-url":"\u002Fstory\u002F332ab555-e4c6-412b-8bbd-1cfd61721ab8\u002Felement\u002F63e99b41-b542-48f1-8363-55ae89f2f174","type":"text","family-id":"91e98dc5-1df5-4417-b943-d842a70a3209","title":"","id":"63e99b41-b542-48f1-8363-55ae89f2f174","metadata":{},"subtype":null,"text":"\u003Cp\u003E\u003Cstrong\u003Eಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003Eಹಣಕಾಸಿಗೆ ಸಂಬಂಧಿಸಿದ ಪ್ರಶ್ನೆಗಳನ್ನು ಪತ್ರದಲ್ಲಿ (ದೂರವಾಣಿ ಸಂಖ್ಯೆ ಸಹಿತ) ಬರೆದು ಕಳುಹಿಸಿ.\u003C\u002Fp\u003E\u003Cp\u003Eವಿಳಾಸ: ಪ್ರಶ್ನೋತ್ತರ, ವಾಣಿಜ್ಯ ವಿಭಾಗ, ಪ್ರಜಾವಾಣಿ, ನಂ.75, ಮಹಾತ್ಮ ಗಾಂಧಿ ರಸ್ತೆ, ಬೆಂಗಳೂರು–560001.\u003C\u002Fp\u003E\u003Cp\u003Eಇ–ಮೇಲ್‌: businessdesk@prajavani.co.in\u003C\u002Fp\u003E"},{"id":"00000000-0000-0000-0000-000000000000","description":"","title":"","subtype":null,"type":"text","text":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","metadata":{"promotional-message":true}}],"card-updated-at":1715101782323,"content-version-id":"4938bc02-a97f-442f-9c55-d39bc233a07d","card-added-at":1715084714161,"status":"draft","id":"49431a47-56fa-4c11-a0f4-9cc985dd6953","content-id":"49431a47-56fa-4c11-a0f4-9cc985dd6953","version":10,"metadata":{"social-share":{"shareable":false,"title":"ಪ್ರಶ್ನೋತ್ತರ | ಹಣಕಾಸು, ತೆರಿಗೆ ಸಮಸ್ಯೆಗೆ ಪರಿಹಾರ","message":"ಪ್ರಶ್ನೋತ್ತರ","image":{"key":"prajavani\u002F2024-05\u002F0ce3a6e0-8175-428e-a430-3a566a873f21\u002Fdeccanherald_2023_12_5f5b6a91_817e_40cd_8734_e138a06397c3_markets_istock_.avif","url":null,"attribution":null,"alt-text":null,"caption":null,"metadata":{"width":320,"height":180,"mime-type":"image\u002Favif","file-size":10109,"file-name":"deccanherald_2023-12_5f5b6a91-817e-40cd-8734-e138a06397c3_markets_istock_.avif","focus-point":[157,89]}}},"attributes":{}}}],"url":"https:\u002F\u002Fwww.prajavani.net\u002Fbusiness\u002Fprashnottara\u002Fquestions-and-answers-solution-for-financial-tax-related-problems-2796688","story-version-id":"af1d896d-1dc3-4b57-b224-328428753e84","content-type":"story","content-updated-at":1715125739947,"author-id":1749710,"owner-id":1754178,"linked-story-ids":[],"access":null,"promotional-message":"\u003Cdiv\u003E\u003Cp\u003E\u003Cstrong\u003Eಪ್ರಜಾವಾಣಿ ಆ್ಯಪ್ ಇಲ್ಲಿದೆ: \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tpml.pv\"\u003Eಆಂಡ್ರಾಯ್ಡ್ \u003C\u002Fa\u003E| \u003Ca href=\"https:\u002F\u002Fapps.apple.com\u002Fin\u002Fapp\u002Fprajavani-kannada-news-app\u002Fid1535764933\"\u003Eಐಒಎಸ್\u003C\u002Fa\u003E | \u003Ca href=\"https:\u002F\u002Fwhatsapp.com\u002Fchannel\u002F0029Va94OfB1dAw2Z4q5mK40\"\u003Eವಾಟ್ಸ್ಆ್ಯಪ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.twitter.com\u002Fprajavani\"\u003Eಎಕ್ಸ್\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.fb.com\u002Fprajavani.net\"\u003Eಫೇಸ್‌ಬುಕ್\u003C\u002Fa\u003E ಮತ್ತು \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002Fprajavani\"\u003Eಇನ್‌ಸ್ಟಾಗ್ರಾಂ\u003C\u002Fa\u003Eನಲ್ಲಿ ಪ್ರಜಾವಾಣಿ ಫಾಲೋ ಮಾಡಿ.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fdiv\u003E","asana-project-id":null,"first-published-at":1715125740000,"hero-image-caption":null,"version":14,"story-template":"syndicated","sequence-no":null,"created-at":1715101782316,"authors":[{"slug":"prmood-shriikaant-daitoott","social":{},"name":"ಪ್ರಮೋದ ಶ್ರೀಕಾಂತ ದೈತೋಟ","contributor-role":{"id":7161,"name":"Author"},"avatar-url":"https:\u002F\u002Fimages.prajavani.net\u002Fprajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","bio":null,"id":1749710,"avatar-s3-key":"prajavani\u002F2023-10\u002F58a811b2-1fc6-4506-8b84-f42e44bfd0e0\u002FPramoda_Srikantha_Daitota.jpeg","twitter-handle":null}],"metadata":{"imported-card-is-read-only":null,"story-attributes":{"syndicatedfrom":["DCX"],"syndicated-categories":["ವಾಣಿಜ್ಯ 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