Friday, December 15, 2017

Draft Notification of proposed Recruitment Rules for the posts of Multi Tasking Staff, Postman, Mail Guard, Postal Assistant/Sorting Assistant

To view, please CLICK HERE. 

Re-organisation of Units of HQ Region Ahmedabad consequent on creation of a post of PMG, HQ Region Ahmedabad, Gujarat Circle

To view, please CLICK HERE. 

Re-organisation of Units of HQ Region Lucknow consequent on creation of a post of PMG, HQ Region Lucknow, Uttar Pradesh Circle

To view, please CLICK HERE. 

Transfers/Postings/Re-allotments in the Senior Time Scale(STS)/Junior Time Scale(JTS) of the Indian postal Service(IPoS), Group 'A'

To view, please CLICK  HERE. 

Filling up of the Post of three Instructors (two Postal and one RMS side) at Postal training Centre, Vadodara

To view, please CLICK HERE. 

To register for engagement, please CLICK HERE. 

Notification regarding deputation/foreign service of regular employees of DoP and engagement of GDS to IPPB

This is about deputation of 500 regular employees and 650 GDS to IPPB. 

The schedule of application is as below

The important dates are as follows: Activities
On-line registration including Edit/ Modification of Application by candidates
December 15, 2017 to January 05, 2018
Online Payment of Application Fees
December 15, 2017 to January 05, 2018
Download of Admit cards for online examination
January 12, 2018
Date of Online Examination (tentative)
January 20, 2018 – for Manager (Area Sales) and for Asst Manager (Area Operations)
January 21, 2018 – for Territory Officer

CLICK HERE for registration . 

Cancellation of Training calendar for the 4th Quarter (Jan 2018 to Mar 2018) of 2017-2018 at PTC Darbhanga in Bihar

To view, please CLICK HERE. 

Notification for holding of pre-conference CWC and 40th Biennial All India Conference at Rajgir (Bihar) on 9/2/2018 and 10/2/2018

All Circle Secretaries and CHQ office bearers are directed to down load the copies and submit to their circle administration.  CLICK HERE TO DOWNLOAD

2018 International Letter Writing Competition for the Young People

To view, please CLICK HERE. 

Wednesday, December 13, 2017

Change in syllabus for LDCE for PM Grade-I, Inspector Posts, Senior Postmaster and PS Gr. B cadre

It is learnt that Department is going to make few changes in the existing syllabus of LDCE for promotion to the cadre of Postmaster Grade-I, Inspector Posts, Sr. Postmaster and PS Gr. B. 

Herein after all the LDCEs will be held on ONLINE.

LDCE for promotion to the cadre of Inspector Posts (66.66%) departmental quota for the year 2016-2017

It is learnt that vendor is yet not finalized by Directorate to conduct LDCE for promotion to the cadre of Inspector Posts (66.66%) departmental quota for the year 2016-2017.

Once the vendor is finalized, the calendar of examination will be issued by Directorate for the year 2018. There is possibility of LDCE for promotion to the cadre of Inspector Posts (66.66%) departmental quota for the year 2016-2017 and 2017-2018 separately and that too online.

CEPT Instructions: All the COD articles should be processed through system as COD.

If electronic data not received, please follow the steps detailed below. 

a) Any office which receives the COD Parcel physically can give request for electronic data. Server will send electronic data if available 

b) Booking information is available with the Server

c) Not marked as RTS by some other office Data entry option is also available from Ver 7.9.6 

d) If still the data is not received there may be some issue with the RNet communication etc. In such cases, please forward a copy of the RNet communication folder and a backup of the eCounter db for analysis.

Tuesday, December 12, 2017

President of India released commemorative postage stamp on INS Kalvari

Hon’ble President of India Shri Ram Nath Kovind has released a commemorative postage stamp on 50 Years of Submarine Arm of Indian Navy on 7th December 2017 at Visakhapatnam. 

The submarine arm of the Indian Navy is in its 50th year of existence. From a small force of Foxtrot class, it leapfrogged into high tech boats in just 25 years of its coming into being. By then it had also made forays into operating a nuclear submarine and internalised its nuances and discipline, which is quite a different way of life from that on a conventional boat. In this journey, it has also graduated to deploying submarine-launched cruise missiles and smart wire-guided torpedoes. It has also graduated to deploying submarine-launched cruise missiles and smart wire-guided torpedoes.

It has come a long way in maintenance procedures and protocols and the naval dockyards are capable of handling current refits and gaining valuable insights in medium and half-life refits. The indigenous construction of the Scorpene is yet another milestone achieved. The greatest stride, even though long in coming, has been the indigenous construction of the SSBN Arihant. The conventional boats of the Shishumar and Sindhughosh class with their stand-off range weapons and missile capability had come to acquire the nom de guerreof ‘the sword arm’ of the IN. The Arihant with its ICBM capability and an assured deterrence of second strike could really be called the ‘shield’ of the nation. 

Hon’ble Minister of Communications (independent charge) and Minister of State for Railways Shri Manoj Sinha, Chief Minister Chandrababu Naidu Andhra Pradesh State and Hon’ble Governor ESL Narasimhan of Andra Pradesh State were present.

The denomination of stamp is R. 5/-.

submarine sheetlets\


Release of special cover and permanent cancellation on Shree Bahubalaiswamy Mahamasthakabhisheka Mohotsava 2018

Special cover and permanent cancellation released on 6th December 2017 on world famous Jaim Pilgrimage Centre, at Chamundaraya Mandap, Sravanabelgola (Dist. Hasan, Karnataka) in a grand function in the holy presence Swasti Sri Charukeerthi Bhattarak Swamiji of Sravanabelagola. 

Shri Rajendra Kumar PMG South Karnataka release the special over. 

Holding of DPC for promotion to the cadre of PS Gr. B for the year 2017-18.

No. CHQ/AIAIPASP/DPC-PS Gr. B/2017                               Dated:   12/12/2017


Ms Manju Kumar,
Dy. Director General (P),
Department of Posts,
Dak Bhawan, Sansad Marg,
New Delhi-110 001.

Subject :    Holding of DPC for promotion to the cadre of PS Gr. B for the year 2017-18. 

Respected Madam,

          IP/ASP Association would like to invite your kind attention towards its letter of even number dated 30/9/2017 and 11/11/2017 whereby it was requested to call for records for convening regular DPC for promotion to PS Gr. B cadre for the year 2017-18. But till date Directorate has not issued the list of officers in the zone of consideration to Circles. All are well aware that this year DPC is badly delayed for the one or other reasons.   

         Furthermore it also bring to your kind notice that a large number of JTS vacancies are lying vacant in each and every Circles since long and PS Gr. B officers are officiating against these posts creating resultant vacancies in Gr. B in Circles and imbalance thereof upto IP/ASP level affecting timely promotion in each cadre and repatriation of deserving PS Gr. B officers to their home circle. Similarly, large numbers of PS Gr. B posts are vacant in each circle. Secondly, result of PS Gr. B examination is awaited.

          It is therefore requested to kindly direct SPG Division of Directorate to either circulate the names of the officers who are in the zone of consideration for promotion to the PS Gr. B cadre or give cut off year of IP batch in each category (OC, SC and ST) and call for their APARs and other required documents for the scrutiny etc. by allotting circle wise dates.

          We hope that your honour will look into this vital issue personally and take appropriate action to avoid further consequences.   

Yours sincerely,

(Vilas Ingale)
General Secretary

Preparation and maintenance of Annual Performance Assessment Reports (APAR)

Directorate has again circulated old copy of rules and regulations regarding preparation and maintenance of APAR for information and record purpose.   

1) APARs graded below 4 will be given a score of zero.
2) APARs graded between 4 to 6 and short of 6 will be rated as 'good' and given a score of 5.
3) APARs graded between 6 and short of 8 will be will be rated as 'very good' and given a score of 7.
4) APARs graded between 8 and 10 will be rated as 'outstanding' will be given a score of 9 for the purpose of calculating average scores for empanelment /promotion. 

To view the details, please CLICK  HERE.  All members are requested to keep the copy of this ruling with them for record purpose. 

Service Desk Details for CSI and FSI support

Dear User

Use the below URL to log ticket on SERVICE DESK . Kindly follow these steps for Quick resolution of the problem.

1. Log Ticket at "" by using your SSO credentials.(24X7X365)

2. User can also log tickets directly through their Smart phones by using their SSO credentials. The mobile app can be downloaded by accessing url: ""

3.Call our avr no. 022-62312700 for any assistance.

Note: CSI service desk do not support any email.

Intimation Regarding Mailbox Quota

Please be informed that as part of standardization of Email mailbox quota across India Post domain, your existing Mailbox size will be modified according to DoP email policy with effect from 1st January 2018.

Please install MS Outlook client on your laptop/desktop. You are requested to archive / download your mails on local outlook client. Instruction Guide for MS Outlook Client Configuration document is attached.

Please note that with effect from 1st January 2018, mailbox quota will be applied as per DOP email policy. Hence request you to ensure to maintain your mailbox by housekeeping regularly and download emails to local archival.

Thanks & Regards

DoP Email Implementing Agency
For Assistance please reach to Help Desk over: 


To view, please CLICK HERE. 


To view the copy of judgement given in Civil Appeal Diary No. 3744 of 2016 dated 8/12/2017, please CLICK HERE.

Sunday, December 10, 2017

Frequently Asked Questions on timeline for completing Disciplinary proceeding in time bound manner under CCS (CCA) Rules, 1965 : DoPT

Classification of Posts under the CCS(CCA)Rules,1965 :DoPT

Mahapex 2018, Maharashtra State Level Philatelic Exhibition at Pune - 20th - 22nd January 2018.

13th State Level philatelic exhibition MAHAPEX 2018 of Maharashtra Circle will be held at Pune (Maharashtra) in January 2018. The exhibition will be hosted by Postmaster General, Pune Region, Pune 411 001 from 20 to 22 January 2018 at Ganesh Kala Krida Manch, Swargate, Pune 411 002.

In “MAHAPEX-2018” a collection of Philatelists from Maharashtra and Goa States will be displayed through 400 frames. There will be various activities such as Workshop, Seminar for students, Quiz competition, Stamp Design Competition, Elocution competition and Exhibition

Special Covers on various subjects will also be released. A souvenir on “MAHAPEX-2018” would also be brought out which would be collectors’ item for the philatelists.

This is the first time in the history of the State Level Philatelic Exhibition that all the activities of the exhibition from Registration to Declaration of Result will be done online through a specially designed “Philatelic Exhibition Management System”. The official website of MAHAPEX 2018 was launched on 1st October 2017. A virtual Exhibition will also be displayed on the official Website.

Dealer’s booths will be available in three categories. Platinum Booth will be available @ Rs. 40,000/- + 18% GST, Gold Booth @ Rs. 30,000/- + 18% GST, Silver Booth @ Rs.12,000/- + 18% GST for the duration of the exhibition. Online Booth booking is available on For more details log on to the official web site.

The last date for submission of entries is extended upto 10th December 2017.

The contact details of exhibition are as under:
Secretary of the Exhibition Sub Committee, MAHAPEX 2018, Office of the Postmaster General, Pune Region, Pune 411001.
Shri A K Chinchole, ADPS – I, RO Pune - (M) 7028007203 and Shri N S Yeola, ASP, RO Pune - (M) 7028007210

The proceedings of Philately Seminar held at Pune during Punepex-2017.

The proceedings of Philately Seminar held at Pune is likely to be published on 15th Dec 2017. Cost of booklet is Rs. 300/-. Limited Editions are available. Please ensure copy by paying in advance in the following account on or before 10th Dec 2017.

Payment may be credited in following account:

A/c Name: Secretary, Exhibition Sub Committee, Mahapex 2018.
A/c No.: 37285793421
Bank: State Bank of India, Main Branch, Pune
IFSC Code: SBIN0000454

Please send the details of payment and address by email
For more details contact: Shri N S Yeola, ASP, RO Pune - (M) 7028007210

Sad demise ...

Father of Shri Gajanan Desai, Inspector Posts, o/o the SSRM, Air Mail Sorting Division, Mumbai 400099 reported expired today morning due to cardiac attack.

CHQ conveys heartfelt condolence on his demise and pray to almighty to give courage to the family members to bear the loss. 

Friday, December 8, 2017

Annual Reports of Department of Posts

To view annual report for the year 2015-16, please CLICK HERE. 

To view annual report for the year 2016-17, please CLICK HERE. 

MoF had Pre-Budget consultations with stakeholders

The Union Minister for Finance and Corporate Affairs, Shri Arun Jaitley chairing the 4th meeting of Pre-Budget Consultations with stakeholders groups from Social Sector in connection with the forthcoming Union Budget 2018-19, in New Delhi on December 06, 2017. The Finance Secretary, Dr. Hasmukh Adhia and other dignitaries are also seen.

Next Sovereign Gold Bonds series start from 11/12/2018

For the next subscription period i.e. December 11-13, 2017 of the Series III of Sovereign Gold Bonds 2017-18, the issue price shall be Rs.2,890 (Rupees Two thousand Eight hundred Ninety only) – per gram with Settlement on December 18, 2017.

The Government of India in consultation with the Reserve Bank of India (RBI), has also decided to allow discount of Rs.50 (Rupees Fifty) per gram from the issue price to those investors who apply online and the payment is made through digital mode.

Earlier, the Government of India, in consultation with the Reserve Bank of India, had floated Series III of Sovereign Gold Bonds 2017-18, for the period from October 09, 2017 to December 27, 2017 (with subscription period Monday to Wednesday every week). The Bonds will be issued on the succeeding Monday after each subscription period.

Deadline for PAN-Aadhaar linkage extended to March 31, 2018

NEW DELHI: The government on Friday extended the deadline for mandatory linking of PAN with Aadhaar by three months to March 31, 2018.

This is the third extension given by the government to individuals to link the Permanent Account Number (PAN) with the biometric ID.

The Centre had already informed the Supreme Court that it is willing to extend till March 31 the deadline fixed for mandatory linking of Aadhaar to avail various services and welfare schemes.

"It has come to notice that some of the taxpayers have not yet completed the linking of PAN with Aadhaar.

"Therefore, to facilitate the process of linking, it has been decided to further extend the time for linking of Aadhaar with PAN till March 31, 2018," the finance ministry said.

As of November, 13.28 crore out of 33 crore PANs have been linked to the 12-digit biometric identifier Aadhaar.

This year, the government made quoting of Aadhaar mandatory for filing income tax returns (ITRs) as well as obtaining a new PAN.

Section 139 AA (2) of the Income Tax Act says that every person having PAN as on July 1, 2017, and eligible to obtain Aadhaar, must intimate his Aadhaar number to the tax authorities.

The government had in August extended by four months the deadline for linking PAN with Aadhaar till December 31, pending the Supreme Court verdict.

The Supreme Court is hearing petitions challenging the government's decision on Aadhaar.

The apex court has said it may consider setting up of a constitution bench to hear pleas challenging the Centre's move to make Aadhaar card mandatory for availing various services and benefits of welfare schemes.

The deadline for linking PAN with Aadhaar previously was July 31 but was extended to August 31 and later to December 31, 2017.

Source : TOI

Addendum to SB Order No. 15 / 2017 : Mandatory use of Savings Account for credit of maturity/premarure value

Aadhaar/Mobile Seeding in Finacle

UPSC Civil Services (Main) 2016 (Reserve List) Results: 109 candidates to fill up remaining posts

After declaring the results of the Civil Services (Main) examination on May 31, the Union Public Service Commission (UPSC) has now recommended 109 candidates for recruitment to remaining posts. The list includes 87 general categories, 19 OBC, 1 SC and 2 ST candidates to fill up the remaining posts based on the Civil Services Examination, 2016.

Nandini K R topped the UPSC Civil Services examination 2016. She belongs to the OBC category and has qualified the examination with Kannada Literature as her optional subject. Nandini is a graduate of BE (Civil Engg) degree from MS Ramaiah Institute of Technology, Bangalore. There are 7 women and 18 men who have bagged the top 25 positions in the exam.

The civil service exams were conducted in August 2016 for which 11,35,943 candidates applied and over 4 lakh candidates appeared for the exams.

About 15,452 candidates qualified for the main written exam that was conducted in December 2016 of whom 2,961 qualified for the personality test.

A total number of 1099 candidates have been recommended for appointment among whom are 500 candidates from the general category and 347, 163 and 89 candidates from the OBC, SC and ST categories respectively.

UPSC Civil Services (Main) 2016 (Reserve List) Results: Click Here

Wednesday, December 6, 2017

PLI - Highlights, Monthly Premium and Maturity value at the age of 50, 55 and 58


To view the copy of judgement, please CLICK HERE. 

Economy Measures - Mandatory installation of LED based lightings in Government Buildings : Department of Expenditure

Mahaparinirvan Day Tribute from All Members and Viewers

Image result for Mahaparinirvan Day Tribute

Views/opinion called for from all circles on proposal submitted by CHQ for cadre restructuring of Inspector Posts and Assistant Superintendent Posts

All Circle Secretaries, CHQ office bearers and members working in RO/CO are directed to meet the circle administration immediately and request them to submit their views / opinions on the proposal as suggested by CHQ in toto. It is learnt from Directorate that the proosal submitted by Association is practicable and working one.  

All are once again requested to give the top priority to this at their circle, otherwise if there is delay, then the present staff who are dealing the issue at Directorate will get transferred in ensuing rotational transfer. 

PSI Activities : Youth National Network Meeting at Bhopal

It has been intimated by Sub Regional Secretary, Public Services International – South Asia that a PSI Youth National Network Meeting will be held on the 16th & 17th December 2017 at Bhopal. 

In the World Congress, PSI Constitution was amended  for having 2 EB members from among the youth at the global and regional level, 30% of all activities would be earmarked for Youth.   This was reiterated at the NCC meeting held at Jaipur from 24TH to 26TH November 2017. The NCC has identified the Country Youth representatives, Bro. Subham Sharma from DSEWU and Sis. Shweta Tripati from HMS.

PSI invited youth representative (male and female, below the age of 32) from our Association to this Network meeting.  They would continue to be the members of the Youth Network for the next five years or till they cross the age of 35 years.

GS has therefore nominated the following members for participation in above Youth National Network Meeting.

1. Shri Hanmant Chirme, Inspector Posts o/o the CPMG, Maharashtra Circle, Mumbai 400001 (email ID -  mobile No. 09870143136)

2.  Ms Aarti Ganvir, Sub Divisional Inspector, South Sub Division, Yeotmal (Maharashtra)  ( email id - Mobile No. 09421924754)

PSI would support travel upto 2nd AC fare on production of documents, accommodation on twin sharing basis and boarding. 

The venue of the meeting  :

Hotel Nisarga
211, Zone-I, Maharana Pratap Nagar, 
Bhopal-462011 (India)
Tele-Fax : +91 - 755 - 4272701,2555701-2-3, 2558948-49, 

Probable Central D.A. from 1st January 2018

With the increase of AICPIN number for October 2017 by two point, everybody is waiting to know the probable DA from 1.1.2018.

As we know that data for November and December is required tocalculate the exact amount of D.A. payable from 1st January. These data will be made available on 31st December and 31st January.

If it is assumed that current level (287) is maintained in the next two months, there will be an increase of 2% D.A. / D.R. payable from 1st January 2018. The position can change only if the number drastically increases or decreases in the next two months.

So it can be predicted that there will be an increase of 3% D.A. / D.R. from 1st January 2018. 

Discontinuation of execution of bond for direct recruit candidates as provided under Appendix 21 of P&T Manual IV

To view Directorate memo No. 15-04/2015-SPB--I dated 30/11/2017, please CLICK HERE. 

Guidelines on Air Travel on Official Tour - Purchase of air tickets from authorised agent

To view, Directorate memo No. 17-01/2017-PAP dated 28th November 2017 please CLICK HERE. 

Sunday, December 3, 2017

Reliance JioPhone's sales start again, phone now available at Jio Stores

If you have been waiting to buy Reliance JioPhone, here's your chance. The sales of the 4G feature phone have resumed again. According to an SMS sent by the company to its users, JioPhone is now available at Jio Stores.

"Thank you for confirming your interest in JioPhone. Now available at a Jio Store near you Limited stocks. Team Jio," reads the company's SMS.

Since late last week, the company has been sending SMSes to all those who had earlier registered for the phone. "Thank you for your interest in JioPhone. To confirm your interest click or call on 18008898889. On availability of JioPhone, we will inform you in advance. Team Jio," goes the SMS sent by the company. On clicking the link a message comes that says, "Thank You for confirming the details. We will be starting the JioPhone delivery soon and will get back with more details about it," said the company's SMS.

This will be the second sale of Reliance JioPhones. The company unveiled its 4G feature phone at its annual general meeting (AGM) in Mumbai on July 24. The Reliance JioPhone comes at an "effective" price of Rs 0. The company is, however, taking a refundable security deposit Rs. 1500/- to avoid what it terms "potential misuse of the device." The amount will be refunded after a minimum period of three years. Users who want to return their device after 12 months and up to 24 months from the date of first issue of JioPhone will have to pay Rs. 1,000/- plus GST and other taxes. Those who return their JioPhone after 24 months and up to 36 months will need to pay Rs. 500/- plus GST and other applicable taxes.

As for specifications, JioPhone sport a 2.4-inch QVGA TFT display. It runs on KAI OS which is a modified version of Firefox OS and is powered by a dual-core processor. JioPhone packs 512MB RAM and 4GB internal storage, expandable up to 128GB. Connectivity options in the feature phone include 4G VoLTE, headphone jack, Wi-Fi, GPS, NFC and Bluetooth.

The Jio Phone runs on 4G VoLTE network and comes with a host of pre-installed apps like JioTV, JioMusic and JioCinema. The smartphone also has its own digital assistant along with the support for voice commands. It can support up to 24 Indian languages.

JioPhone is SIM locked, which means that users cannot use any other telecom company's network in the phone other than that of Reliance Jio. So far, the phone does not support WhatsApp.

Source : TOI

First post-GST budget likely on February 1

NEW DELHI: Finance Minister Arun Jaitley is likely to present India's first post-GST and the current government's last full Budget on February 1 next year.

The Budget session of Parliament may begin on January 30 with President Ram Nath Kovind addressing the Joint Session of both the Houses of Parliament, a senior government official said.

The Economic Survey, detailing the state of the economy, is likely to be tabled on January 31 and the Union Budget may be presented the following day, he said.

Scrapping the colonial-era tradition of presenting the Budget at the end of February, Jaitley had for the first time presented the annual accounts on February 1 this year.

The Budget presentation was advanced by a month to ensure that proposals take effect from April 1, the beginning of the new financial year.

Also, the nearly century old tradition of having a separate budget for the railways was scrapped and merged with the general budget.

The tentative schedule being drawn up for the Budget Session means that there would be less than a month's gap between two sessions of Parliament. The Winter Session, which begins on December 15, will end on January 5.

The official said that at least on one occasion in the past -- in 1976, when Indira Gandhi was the Prime Minister, had the winter session spilled into January. But in those days, the Budget was presented on the last day of February and so there was one-month gap between the two sessions.

The Union Budget 2018-19 would be the last full Budget of the BJP-led NDA government before the 2019 General Elections. As per the practice, a vote-on-account or approval for essential government spending for a limited period is taken in the election year and a full-fledged budget presented by the new government.

While P Chidambaram had presented the previous UPA government's vote-on-account in February 2014, Jaitley had presented a full budget in July that year.

The official said this will be the first budget post implementation of the Goods and Services Tax (GST) regime.

Even though independent India's biggest tax reform of GST was implemented from July 1, the Budget for 2017-18 (April- March), had followed the practice of tax revenue projections under the heads of customs duty, central excise and service tax alongside direct tax numbers.

With excise duty and service tax being subsumed in the Goods and Services Tax (GST), the classifications in the forthcoming budget may undergo change, he said.

While a new classification for revenues to be accrued from GST will be included in the Budget for next fiscal, for the current year two sets of accounting may be presented — one for actual accruals during April-June for excise, customs and service tax, and the other for July-March period for GST and customs duty.

The official said that since the GST rates are decided by a GST Council, headed by Union Finance Minister and comprising of representatives of all states, the Budget for 2018-19 may not have any tax proposals concerning excise and service tax levies.

Only proposals for changes in direct taxes, both personal income tax and corporate tax, besides customs duty, are likely to be presented in the Budget along with new schemes and programmes of the government.

Source : TOI

10 Income Tax rules you need to know

1. Tax saving on house rent allowance

House rent allowance, commonly known as HRA, is a major chunk of a salaried individual's total pay. Under Section 10 (13A) of the Income Tax Act, you can save tax on the rent you pay to your landlord. However, you get partial tax benefit on the rent you pay. The amount that is allowed for exemption under HRA is calculated as the minimum of:

i) Rent paid annually minus 10 per cent of basic salary plus dearness allowance
ii) Actual HRA received
iii) 40 per cent of basic and dearness allowance (50 per cent in case of metro cities).

Your HRA allowance will be taxable if you are not paying any rent or you stay in your own house. But those who stay with their parents can also claim HRA benefits by paying rent to their parents.

2. Deductions under Section 80C

One can claim tax benefit on investments up to Rs 1.5 lakh under Section 80C of the Income Tax Act. If you fall in the highest tax slab (30 per cent), by investing Rs 1.5 lakh you can save tax for up to Rs 46,350 (including cess charges.) per year. Investments that qualify for tax benefit under this section are Employees' Provident Fund (EPF), Public Provident Fund (PPF), Sukanya Samriddhi Account, National Savings Certificate and tax-saving fixed deposits. The premium paid for life insurance plans, National Pension Scheme (NPS) and tax-saving mutual funds (ELSS) also qualify for deduction under Section 80C.

One can also claim tuition fees paid for up to two children, principal repayment on home loan, stamp duty and registration cost on the house bought as a deduction under Section 80C.

Read: Save income tax through mutual fund investment. All you need to know

3. Deductions under Section 80CCD(1B)

This section was introduced in Budget 2015-16. Under this section, one can get tax benefits on investments up to Rs 50,000 in NPS tier 1 account. This is over and above the Rs 1.5 lakh limit under Section 80C. An individual in highest tax bracket can save Rs. 15,450 by investing Rs. 50,000 in NPS under Section 80CCD(1B).

4. Deduction under Section 80E

If you have taken an education loan for yourself, spouse or children, then the interest paid on the loan qualify for tax benefit under Section 80E. The best thing here is that there is no upper limit on the amount of deduction. But the criteria is that the loan must have been taken from a financial institution or approved charitable institution and for full-time higher education.

5. Deduction of interest on housing loan (Section 24B)

If you have taken a housing loan to buy a house, then the interest you pay on your housing loan qualify for tax benefit under Section 24B. Interest paid up to Rs 2 lakh in a financial year on housing loan is allowed as deduction from your income. If you have taken a home improvement loan, then interest up to Rs 30,000 will be allowed as deduction under this section.

6. Deduction under Section 80EE

Re-introduced in Union Budget 2016, an additional deduction of Rs. 50,000 is available under this section, which is over and above the limit of Section 24B on interest paid on home loans if a person is buying a house for the first time. But there is a condition to avail this benefit. The cost of the property must be below Rs 50 lakh and the loan amount must be less than equal to Rs 35 lakh.Also, the property must be bought after April 1, 2016.

7. Deduction under Section 80D

Premiums paid for health insurance for self, spouse, children, and parents qualify for deduction under Section 80D. One can claim deduction of Rs. 25,000, if he is below 60 years of age, and Rs. 30,000 if he is above 60 years of age, towards medical insurance premium paid for self, spouse and children. Under this section, additional deduction of Rs. 25,000 is available if one buys medical insurance for his parents. This deduction can go up to Rs. 30,000 per year if parents are above the age of 60 years. So the total deduction you get under Section 80D is up to Rs 60,000.

8. Deduction under Section 80DD

If a tax payer has dependent parents, spouse, children or siblings who are differently-abled, then he can claim deductions up to Rs. 75,000 for expenses on their maintenance and medical treatment under this section. If the disability is severe in nature, then the deduction can increase to Rs 1.25 lakh.

9. Deduction under Section 80DDB

Under this section, one can claim deduction of Rs. 40,000 for medical treatment of specified disease or ailment for self and dependents. The deduction can go up to Rs. 60,000 if the tax payer is above 60 years of age and if he is above 80 years of age, then the deduction amount is up to Rs. 80,000. The diseases have been specified in Rule 11DD. To claim this benefit a certificate in form 10 I is to be furnished by the taxpayer from any registered doctor.

Also Read: Mutual fund: Should you opt for regular plan or direct plan for wealth creation

10. Tax benefit under Section 80TTA

Under this section, interest income up to Rs 10,000 per annum from savings account is allowed as deduction from taxable income. However, interest earned from fixed deposits, term deposits does not qualify for deduction under this.