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ULIP Tax Benefits: यहां निवेश करने पर मिलते हैं 5 बड़े फायदे

ULIP Tax Benefits: यहां निवेश करने पर मिलते हैं 5 बड़े फायदे
  • 14th Jul 2022 |
  • 1,360

Keywords: यूलिप टैक्स बेनिफिट्स, ULIP टैक्स बेनिफिट्स

यूनिट-लिंक्ड बीमा योजना, जिसे आमतौर पर यूलिप (ULIP) के रूप में जाना जाता है, एक जीवन बीमा है। साधारण जीवन बीमा योजनाओं की तुलना में, जैसे टर्म इंश्योरेंस प्लान जो केवल जीवन बीमा सुरक्षा प्रदान करते हैं, या म्यूचुअल फंड जैसे उच्च जोखिम वाले निवेश के रास्ते जो केवल धन बनाने का अवसर प्रदान करते हैं, यूलिप एक बाजार से जुड़ी योजना है जो बीमा और बेहतर कर-लाभ के साथ-साथ धन सृजन करने का अवसर प्रदान करती है ।

5 यूलिप टैक्स बेनिफिट्स जो आपको पता होने चाहिए।

1. यूलिप के प्रीमियम कर कटौती के लिए पात्र होते हैं।

यूलिप टैक्स बेनिफिट्स के अनुसार, इसके लिए भुगतान किया गया प्रीमियम आयकर अधिनियम, 1961 की धारा 80 सी के तहत ₹1,50,000 तक की कर कटौती के लिए योग्य है। हालांकि, यह कटौती केवल तभी लागू होती है जब प्रीमियम की राशि बीमा राशि के 10% से कम हो। 10% से अधिक प्रीमियम के लिए, कटौती राशि अभी भी 10% तक सीमित है। उदाहरण के लिए, यदि पॉलिसी के तहत आपके द्वारा भुगतान किया गया प्रीमियम ₹15,00,000 की बीमा राशि के लिए ₹3,00,000 है, तो कटौती राशि ₹1,50,000 तक सीमित होगी।

2. मैच्योरिटी (परिपक्वता) पर ULIP टैक्स बेनिफिट्स प्रदान करता है।

मैच्योरिटी का मतलब आपकी पॉलिसी का पूरा होना है। यूलिप टैक्स बेनिफिट्स के तहत, आपको मैच्योरिटी के समय सम एश्योर्ड या यूनिट-लिंक्ड निवेश का पूरा मूल्य (दोनों में से जो राशि भी अधिक हो) मिलता है। यह भुगतान आयकर अधिनियम, 1961 की धारा 10(10) डी के तहत कर से मुक्त है। यहां भी, प्रीमियम राशि बीमा राशि के 10% तक सीमित होनी चाहिए।

3. आप यूलिप टैक्स बेनिफिट्स के तहत कर-मुक्त आंशिक निकासी (विथड्रावल) कर सकते हैं।

आप अपने यूलिप के 5 साल की अनिवार्य लॉक-इन अवधि को पूरा करने के बाद कर-मुक्त आंशिक निकासी कर सकते हैं। हालांकि, निकासी राशि कुल बीमित राशि के 20% से अधिक नहीं हो सकती है। यह न केवल कर से बचने में मदद करता है बल्कि आपको विभिन्न वित्तीय जरूरतों, जैसे शादी, बच्चे की शिक्षा, सेवानिवृत्ति, घर की खरीद आदि के लिए आंशिक निकासी करने की अनुमति देता है। इसलिए, आपको समय-समय पर धन निकालने की स्वतंत्रता है।

4. यूलिप के तहत देय मृत्यु लाभ कर से मुक्त है।

यूलिप का डेथ बेनिफिट जो आपके नॉमिनी/परिवार के सदस्यों को मिलता है, वह टैक्सेबल नहीं है। इस लाभ में कुल बीमा राशि और योजना के तहत बाजार से जुड़े निवेशों के माध्यम से उत्पन्न रिटर्न शामिल होते है।

5. मौजूदा यूलिप योजना के तहत किए गए कोई भी टॉप-अप कर कटौती के लिए पात्र हैं।

यूलिप के साथ, आप 5 साल की लॉक-इन अवधि के बाद टॉप-अप निवेश या नकद जोड़ सकते हैं। ये टॉप-अप आयकर अधिनियम, 1961 की धारा 80सी और धारा 10(10) डी के तहत कर कटौती के लिए पात्र हैं। हालांकि, प्रीमियम राशि बीमा राशि के 10% से अधिक नहीं होनी चाहिए।

यूलिप म्यूचुअल फंड जैसी उच्च जोखिम वाली संपत्तियों और टर्म प्लान जैसे साधारण जीवन बीमा सुरक्षा उत्पादों के बीच एक आदर्श सेतु है। यह आपको उच्च रिटर्न, जीवन बीमा और पर्याप्त कर लाभ देता है। सभी विवरणों को ध्यान में रखते हुए यदि आप उचित योजना में निवेश करेंगे तो आप आसानी से ULIP टैक्स बेनिफिट्स का आनंद ले सकते हैं।

- कोटक लाइफ द्वारा उपभोक्ता शिक्षा पहल की एक श्रृंखला

Kotak Life Time Income Plan

Features

  • 6 Annuity options
  • Tax Benefits
  • Higher Annuity Rates for Higher Purchase Price
  • 4 Annuity Modes

Ref. No. KLI/22-23/E-BB/489

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