Suraj's Post

Stop losing wealth to tax leaks 💸🇮🇳 Most taxpayers focus on deductions, but the real secret to long-term wealth preservation is identifying income streams that the government does not tax at all. Under the current 2025 guidelines, there are eight primary ways to receive money without increasing your tax liability. Whether you are planning your retirement or structuring family wealth under the auramark philosophy, understanding these exemptions is essential: 1. Agricultural Income Revenue from farming activities or the rent of agricultural land remains 100% exempt under Section 10(1). 2. Specified Gifts While most gifts are taxable above fifty thousand rupees, gifts from defined relatives or those received on your wedding day are entirely tax-free regardless of the amount. 3. Educational Scholarships Any financial grant provided to cover the cost of education—including tuition and living expenses—is exempt from tax under Section 10(16). 4. Gratuity Benefits For private-sector employees, gratuity is tax-exempt up to twenty lakh rupees. For government employees, the entire amount is protected. 5. EPF and PPF Maturity These accounts follow the Exempt-Exempt-Exempt (EEE) model. You pay no tax on the principal invested, the interest earned, or the final maturity amount. 6. Life Insurance Payouts Under Section 10(10D), the money you receive from a matured policy or a death claim is tax-free, provided your premiums stayed within the legal limits. 7. HUF Receipts When a Hindu Undivided Family distributes income to its members, that share is not taxable in the hands of the individual receiver. 8. Commuted Pension Recent updates have streamlined the exemption for lump-sum pension withdrawals, allowing retirees to access significant capital without a tax haircut. Strategic wealth management isn't just about how much you earn; it is about how much you keep. Use these legal frameworks to build a more tax-efficient portfolio. 🔔 Follow @myfintaxofficial & @casurajsoni for daily finance updates, IPO news & market insights!

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This post was published on 27th December, 2025 by Suraj on his Instagram handle "@myfintaxofficial (MYFINTAX | Finance & Tax Educator | CA Suraj Soni)". Suraj has total 159.0K followers on Instagram and has a total of 2.8K post.This post has received 6.2K Likes which are greater than the average likes that Suraj gets. Suraj receives an average engagement rate of 1.77% per post on Instagram. This post has received 44 comments which are greater than the average comments that Suraj gets. Overall the engagement rate for this post was lower than the average for the profile.