{"id":7736,"date":"2021-01-05T03:01:00","date_gmt":"2021-01-04T21:31:00","guid":{"rendered":"http:\/\/www.apnaplan.com\/?p=7736"},"modified":"2022-01-05T10:07:26","modified_gmt":"2022-01-05T04:37:26","slug":"zero-income-tax-11lakh-salary","status":"publish","type":"post","link":"https:\/\/www.apnaplan.com\/zero-income-tax-11lakh-salary\/","title":{"rendered":"Hate Paying Taxes \u2605 Check How to Pay 0 Income Tax on Salary of Rs 20+ Lakh (FY 2021-22)"},"content":{"rendered":"\n<p>Salaried class have always complained of raw deal year after year in due to laws related to <strong>income tax on Salary<\/strong>. But the good news is you can still manage to pay <strong>Zero (NIL) income tax on salary of up to Rs 20 lakhs<\/strong> (Salary here means cost to company). All you need to have is <strong>right salary structure and invest in RIGHT Tax saving plans!<\/strong> We give you details below.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Best Salary Structure for Saving Tax<\/h2>\n\n\n\n<p><strong>Salary structure is very important to keep taxes low.<\/strong> The good news is most employers are partially flexible with salary structure. We give you one such sample salary structure for CTC (Cost to Company) of Rs 20 lakhs.<\/p>\n\n\n\n<p><span style=\"text-decoration: underline;\"><strong>We have kept following points in mind:<\/strong><\/span><\/p>\n\n\n\n<ul><li>Included all <strong>components which are tax free<\/strong>&nbsp;<\/li><li>For <strong>most benefit of HRA<\/strong> &#8211; it should be 50% of Basic salary (40% is good if rented houses are in non-metro)<\/li><li><strong>Car Maintenance &#8211;&nbsp;<\/strong>The company can reimburse Rs 1,800 per month for car less than 1600 CC (Rs 2,400 per month for bigger cars) along with Rs 900 per month for driver salary as tax free allowance.<\/li><li><strong>Employer can have option of subscribing to both NPS &amp; EPF<\/strong>. Keeping both makes salary more tax efficient, though take home may go down<\/li><li><strong>Gift Voucher worth Rs 5,000 per annum is tax free<\/strong>. Some companies give such vouchers at birthdays or anniversaries!<\/li><li><strong>Company owned cars give much more tax benefit<\/strong> and hence is recommended for high salaries.<\/li><\/ul>\n\n\n\n<div class=\"wp-block-uagb-inline-notice uagb-inline_notice__outer-wrap uagb-inline_notice__align-left uagb-block-0e223f4f\"><h4 class=\"uagb-notice-title\"><strong>Tax Free Salary Components<\/strong><\/h4><div class=\"uagb-notice-text\"><p>There are components in salary which are fully or partially tax exempt. For example HRA is tax exempt if you satisfy certain conditions. You can have the complete list in the post: <a href=\"https:\/\/www.apnaplan.com\/tax-free-salary-components\/\">Must have Tax Free components in Salary<\/a>.<\/p><\/div><\/div>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><span style=\"text-decoration: underline;\"><span style=\"color: #008000; text-decoration: underline;\"><strong>Tax Efficient Salary Structure Example<\/strong><\/span><\/span><\/td><\/tr><tr><td><span style=\"color: #0000ff;\"><strong>Salary Components<\/strong><\/span><\/td><td><span style=\"color: #0000ff;\"><strong>&nbsp;Annual&nbsp;<\/strong><\/span><\/td><td><span style=\"color: #0000ff;\"><strong>&nbsp;Monthly&nbsp;<\/strong><\/span><\/td><td><span style=\"color: #0000ff;\"><strong>&nbsp; &nbsp;Remarks<\/strong><\/span><\/td><\/tr><tr><td><strong>Basic Salary<\/strong><\/td><td>10,60,000<\/td><td>88,333<\/td><td>&nbsp;Fully Taxable<\/td><\/tr><tr><td><strong>House Rent Allowance<\/strong><\/td><td>5,30,000<\/td><td>44,167<\/td><td>&nbsp;Partially Tax Exempted<\/td><\/tr><tr><td><strong>Car Maintenance<\/strong><\/td><td>28,800<\/td><td>2,400<\/td><td>&nbsp;Tax Free if bills submitted<\/td><\/tr><tr><td><strong>Meal Coupons<\/strong><\/td><td>26,400<\/td><td>2,200<\/td><td>&nbsp;Tax Free up to Rs 50\/meal (22 working days)<\/td><\/tr><tr><td><strong>NPS (Employer Contribution)<\/strong><\/td><td>1,06,000<\/td><td>8,833<\/td><td>&nbsp;Tax Free up to 10% of basic salary<\/td><\/tr><tr><td><strong>EPF (Employer Contribution)<\/strong><\/td><td>1,27,200<\/td><td>10,600<\/td><td>&nbsp;Tax Free up to 12% of basic salary<\/td><\/tr><tr><td><strong>Phone &amp; Internet Bill Reimbursement<\/strong><\/td><td>36,000<\/td><td>3,000<\/td><td>&nbsp;Tax Free if bills submitted<\/td><\/tr><tr><td><strong>Uniform Allowance<\/strong><\/td><td>24,000<\/td><td>2,000<\/td><td>&nbsp;Tax Free if bills submitted<\/td><\/tr><tr><td><strong>Children Education\/Hostel Allowance<\/strong><\/td><td>4,800<\/td><td>400<\/td><td>&nbsp;Tax Free if bills submitted<\/td><\/tr><tr><td><strong>Newspaper\/Journal Allowance<\/strong><\/td><td>12,000<\/td><td>1,000<\/td><td>&nbsp;Tax Free if bills submitted<\/td><\/tr><tr><td><strong>Gift voucher<\/strong><\/td><td>5,000<\/td><td>&nbsp;<\/td><td>&nbsp;Tax Free up to Rs 5,000<\/td><\/tr><tr><td><strong>LTA (Leave Travel Allowance)<\/strong><\/td><td>30,000<\/td><td>&nbsp;<\/td><td>&nbsp;Tax Free if bills submitted<\/td><\/tr><tr><td><strong>Gratuity<\/strong><\/td><td>50,962<\/td><td>&nbsp;<\/td><td>&nbsp;Paid while Leaving company<\/td><\/tr><tr><td><span style=\"color: #0000ff;\"><strong>Cost to Company<\/strong><\/span><\/td><td><span style=\"color: #0000ff;\"><strong>20,41,162<\/strong><\/span><\/td><td><span style=\"color: #0000ff;\"><strong>1,62,933<\/strong><\/span><\/td><td>&nbsp;<\/td><\/tr><\/tbody><\/table><figcaption><strong>Tax Efficient Salary Structure Example<\/strong><\/figcaption><\/figure>\n\n\n\n<div class=\"wp-block-uagb-inline-notice uagb-inline_notice__outer-wrap uagb-inline_notice__align-left uagb-block-9df15e94\"><h4 class=\"uagb-notice-title\"><strong>How much Taxes you Need to Pay this Year? <\/strong>Download Our Income Tax Calculator to Know your Numbers<\/h4><div class=\"uagb-notice-text\"><p>Do you know how much tax you need to pay for the year? Have you taken benefit of all tax saving rules and investments? Should you use the &#8220;NEW&#8221; tax regime or continue with the old one? In case you have all these questions just <a href=\"https:\/\/www.apnaplan.com\/income-tax-calculator-india\/\" class=\"rank-math-link\">Download the Free Excel Income Tax Calculator for FY 2021-22 (AY 2022-23)<\/a> and get your answers.<\/p><\/div><\/div>\n\n\n\n<div class=\"wp-block-image size-full wp-image-11121 is-style-default\"><figure class=\"aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"543\" src=\"https:\/\/www.apnaplan.com\/wp-content\/uploads\/2019\/03\/Pay-0-Income-Tax-on-Rs-20-Lakh-Salary.png\" alt=\"Pay 0 Income Tax on Salary of Rs 20 Lakh\" class=\"wp-image-11121\" title=\"\" srcset=\"https:\/\/www.apnaplan.com\/wp-content\/uploads\/2019\/03\/Pay-0-Income-Tax-on-Rs-20-Lakh-Salary.png 1000w, https:\/\/www.apnaplan.com\/wp-content\/uploads\/2019\/03\/Pay-0-Income-Tax-on-Rs-20-Lakh-Salary-300x163.png 300w, https:\/\/www.apnaplan.com\/wp-content\/uploads\/2019\/03\/Pay-0-Income-Tax-on-Rs-20-Lakh-Salary-768x417.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><figcaption><strong>Pay 0 Income Tax on Salary of Rs 20 Lakh<\/strong><\/figcaption><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Income Tax on Salary Calculation for FY 2021-22:<\/h2>\n\n\n\n<div class=\"wp-block-uagb-inline-notice uagb-inline_notice__outer-wrap uagb-inline_notice__align-left uagb-block-a0584308\"><h4 class=\"uagb-notice-title\"><strong>Are you Paying Too much Taxes? Download your free presentation<\/strong><\/h4><div class=\"uagb-notice-text\"><p>Are you worried that you are paying too much in income tax? Are you aware of all the changes in the tax laws? Where should you invest to save taxes? Do you know all tax sections that you can use to save your tax. <a href=\"https:\/\/www.apnaplan.com\/how-to-tax-save\/\" class=\"rank-math-link\">Download a concise 43 page presentation free to answer all the above questions and save your taxes &#8211; legally.<\/a><\/p><\/div><\/div>\n\n\n\n<p>Below is the income tax calculation for above salary.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong><span style=\"color: #0000ff;\">S. No.<\/span><\/strong><\/td><td><strong><span style=\"color: #0000ff;\">Calculating Income Tax on Salary<\/span><\/strong><\/td><td><strong><span style=\"color: #0000ff;\">FY 2021-22<\/span><\/strong><\/td><\/tr><tr><td>1<\/td><td><strong>Total Cost to Company<\/strong><\/td><td>20,41,162<\/td><\/tr><tr><td>2<\/td><td><strong>Tax Free Components<\/strong> <ul><li><em>Car Maintenance<\/em><\/li><li><em>Meal Coupons<\/em><\/li><li><em>NPS (Employer Contribution)<\/em><\/li><li><em>EPF (Employer Contribution)<\/em><\/li><li><em>Mobile Phone and Internet Bill Reimbursement<\/em><\/li><li><em>Uniform Allowance<\/em><\/li><li><em>Children Education\/Hostel Allowance<\/em><\/li><li><em>Newspaper\/Journal Allowance<\/em><\/li><li><em>Gift voucher<\/em><\/li><li><em>Leave Travel Allowance<\/em><\/li><\/ul><\/td><td>400,200<\/td><\/tr><tr><td>3<\/td><td><strong>HRA<\/strong> <em>(Rent Paid is Rs 53,000 and in Metro City)<\/em><\/td><td>5,30,000<\/td><\/tr><tr><td>4<\/td><td><strong>Standard Deduction<\/strong> <em>(increased to Rs 50,000 in Budget 2019)<\/em><\/td><td>50,000<\/td><\/tr><tr><td>5<\/td><td><strong>Gratuity<\/strong> <em>(Not part of Salary but part of CTC &#8211; Non Taxable)<\/em><\/td><td>50,962<\/td><\/tr><tr><td>6<\/td><td><strong>Tax Deductions<\/strong>  <ul><li><em>Section 80C Exemption \u2013 1,50,000<\/em><\/li><li><em>NPS 80CCD(1B) Tax Exemption \u2013 50,000<\/em><\/li><li><em>Medical Insurance (Self &amp; Parents) \u2013 60,000<\/em><\/li><li><em>Interest on Education Loan \u2013 50,000<\/em><\/li><\/ul><\/td><td>3,10,000<\/td><\/tr><tr><td>7<\/td><td><strong>Home Loan Exemption<\/strong><\/td><td>2,00,000<\/td><\/tr><tr><td><span style=\"color: #0000ff;\">8<\/span><\/td><td><span style=\"color: #0000ff;\">Income after Deductions [1 &#8211; (2 + 3 + 4 + 5 + 6)]<\/span><\/td><td><span style=\"color: #0000ff;\">5,00,000<\/span><\/td><\/tr><tr><td>9<\/td><td><strong>Basic Tax Exemption<\/strong><\/td><td>2,50,000<\/td><\/tr><tr><td>10<\/td><td>Taxable Income [8 &#8211; 9]<\/td><td>2,50,000<\/td><\/tr><tr><td>11<\/td><td>Income Tax [5% of 10]<\/td><td>12,500<\/td><\/tr><tr><td>12<\/td><td>Rebate u\/s 87A<\/td><td>12,500<\/td><\/tr><tr><td><strong><span style=\"color: #0000ff;\">13<\/span><\/strong><\/td><td><strong><span style=\"color: #0000ff;\">Tax Payable [11 &#8211; 12]<\/span><\/strong><\/td><td><strong><span style=\"color: #0000ff;\">0<\/span><\/strong><\/td><\/tr><\/tbody><\/table><figcaption><strong>Calculating Income Tax on Salary<\/strong><\/figcaption><\/figure>\n\n\n\n<div class=\"wp-block-uagb-inline-notice uagb-inline_notice__outer-wrap uagb-inline_notice__align-left uagb-block-edc1f0fd\"><h4 class=\"uagb-notice-title\"><strong>How to generate Regular Monthly Income?<\/strong><\/h4><div class=\"uagb-notice-text\"><p>There can be several situations when we <strong>look for regular income<\/strong>. This is especially true for people after retirement\u00a0without any pension. Also there would be new entrepreneurs who need regular income until their start-up stabilises. We tell you\u00a0<strong><a href=\"https:\/\/www.apnaplan.com\/regular-income-investment\/\">13 investments which can generate regular income<\/a><\/strong> for you along with their pros and cons.<\/p><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Tax Exempt Salary Components<\/h3>\n\n\n\n<ul><li>Car Maintenance<\/li><li>Meal Coupons<\/li><li>NPS (Employer Contribution)<\/li><li>EPF (Employer Contribution)<\/li><li>Mobile Phone and Internet Bill Reimbursement<\/li><li>Uniform Allowance<\/li><li>Children Education\/Hostel Allowance<\/li><li>Newspaper\/Journal Allowance<\/li><li>Gift voucher<\/li><li>Leave Travel Allowance<\/li><li><em>Transport Allowance &amp; Medical Reimbursement is No more tax free (from FY 2018-19 on wards)<\/em><\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Tax Deductions:<\/h3>\n\n\n\n<p>You can claim following <a href=\"http:\/\/www.incometaxindia.gov.in\/\" target=\"_blank\" rel=\"noopener noreferrer\">tax deductions<\/a>.<\/p>\n\n\n\n<p><strong>Section 80C\/80CCC\/80CCD (Rs 1,50,000):<\/strong> Investment in EPF, ELSS, PPF, FD, NPS, NSC, Pension Plans, Life Insurance, SCSS, SSA and NPS. Also includes Home Loan Principal repayment, Tuition Fees, Stamp Duty (<a href=\"http:\/\/www.apnaplan.com\/best-tax-saving-investments-80c\/\">Best Tax Saving Investments u\/s 80C<\/a>)<\/p>\n\n\n\n<p><strong>Section 80CCD(1B) (Rs 50,000):<\/strong> Investment in NPS (<a href=\"http:\/\/www.apnaplan.com\/invest-50000-nps-save-tax-80ccd1b\/\">Should you Invest Rs 50,000 in NPS to Save Tax u\/s 80CCD (1B)?<\/a>)<\/p>\n\n\n\n<p><strong>Section 24:<\/strong> Interest paid on Home Loan for Self occupied homes. No Limit for Rented house.<\/p>\n\n\n\n<p><strong>Section 80E:<\/strong> Interest paid on Education Loan. No upper\/lower Limit! (<a href=\"http:\/\/www.apnaplan.com\/tax-benefit-on-education-loan-sec-80e\/\">Tax Benefit on Education Loan (Sec 80E)<\/a>)<\/p>\n\n\n\n<p><del><strong>Section 80CCG:<\/strong> 50% of investment in RGESS approved stocks &amp; mutual funds. Max investment limit is Rs 50,000 (<a href=\"http:\/\/www.apnaplan.com\/rgess-save_tax\/\">RGESS \u2013 Save Taxes up to Rs 25000<\/a>)<\/del> (No more applicable from FY 2017-18 on wards)<\/p>\n\n\n\n<p><strong>Section 80D:<\/strong> Premium payment for medical insurance for self and parents. Also includes Rs 5,000 limit for preventive health checkup (<a href=\"http:\/\/www.apnaplan.com\/tax-benefit-health-insurance-sec80d\/\">Making Sense of Tax Benefit on Health Insurance u\/s 80D<\/a>)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">HRA or Home Loan?<\/h3>\n\n\n\n<p>We have shown the tax deduction on both HRA and Home Loan. There are people who think that both cannot be used simultaneously. This is NOT true. You can take benefit of both HRA and Home Loan even if your home and rented place is in the same city.<\/p>\n\n\n\n<div class=\"wp-block-uagb-inline-notice uagb-inline_notice__outer-wrap uagb-inline_notice__align-left uagb-block-3fdf58a9\"><h4 class=\"uagb-notice-title\"><strong>HRA &amp; Home Loan Benefit at same Time &#8211; Possible?<\/strong><\/h4><div class=\"uagb-notice-text\"><p>Many employer (&amp; employers) are confused if they can take advantage of both HRA and Home Loan for saving tax. This seems intuitive as how can you pay for home loan and also live on rent. However just for your information its completely legal to take advantage of both HRA &amp; Home Loan as there are multiple situations where you need to live on rent but still pay home loan. You can read more about this our post &#8211; <a class=\"rank-math-link\" href=\"https:\/\/www.apnaplan.com\/tax-benefit-both-hra-home-loan\/\">Can I claim Tax Benefit on both HRA &amp; Home Loan?<\/a><\/p><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Monthly Pay Slip (after Income Tax on Salary):<\/h2>\n\n\n\n<p>We have seen the salary structure and how you need to pay 0 income tax even when the CTC (Cost to company) is Rs 20.41 lakhs. Now lets look at how your Monthly Salary Slip would look like.<\/p>\n\n\n\n<p><span style=\"color: #0000ff;\"><strong>Gross Salary &#8211; Rs 1,32,500<\/strong><\/span><\/p>\n\n\n\n<ul><li>Basic Salary &#8211; 88,333<\/li><li>HRA &#8211; 44,167<\/li><\/ul>\n\n\n\n<p><span style=\"color: #0000ff;\"><strong>Deductions &#8211; Rs 30,033<\/strong><\/span><\/p>\n\n\n\n<ul><li>NPS (Employer Contribution) &#8211; 8,833<\/li><li>EPF(Employer Contribution) &#8211; 10,600<\/li><li>EPF(Employee Contribution) &#8211; 10,600<\/li><li><strong>Income Tax &#8211; 0<\/strong><\/li><\/ul>\n\n\n\n<p><span style=\"color: #0000ff;\"><strong>Net Salary = Rs 102,467<\/strong><\/span> [1,32,500 &#8211; 30,033]<\/p>\n\n\n\n<p><span style=\"color: #0000ff;\"><strong>Food\/Gift Coupon &#8211; Rs 2,200 monthly<\/strong><\/span><\/p>\n\n\n\n<ul><li>Additionally <strong>Employee would get Food Coupons worth Rs 2,200 every month<\/strong> (which can be used for meals, eating out in restaurants or buying grocery).<\/li><\/ul>\n\n\n\n<p><span style=\"color: #0000ff;\"><strong>Reimbursement (on submission of bills) &#8211; Rs 1,35,600 (Yearly)<\/strong><\/span><\/p>\n\n\n\n<ul><li>Car Maintenance &#8211; 28,800<\/li><li>Phone and Internet Bill Reimbursement &#8211; 36,000<\/li><li>Uniform Allowance &#8211; 24,000<\/li><li>Children Education\/Hostel Allowance &#8211; 4,800<\/li><li>Newspaper\/Journal Allowance &#8211; 12,000<\/li><li>LTA (Leave Travel Allowance) &#8211; 30,000<\/li><\/ul>\n\n\n\n<div class=\"wp-block-uagb-inline-notice uagb-inline_notice__outer-wrap uagb-inline_notice__align-left uagb-block-c9622aa8\"><h4 class=\"uagb-notice-title\"><strong>25 Best Tax Free Income &amp; Investments in India<\/strong><\/h4><div class=\"uagb-notice-text\"><p>Everyone hates Taxes and go out in full force to save it \u2013 sometime legally and sometimes beyond the law. Fortunately there are still some <a href=\"https:\/\/www.apnaplan.com\/tax-free-incomes-investments\/\" class=\"rank-math-link\"><strong>tax Free incomes &amp; investments<\/strong>. Learn about them here and use it to your advantage.<\/a><\/p><\/div><\/div>\n\n\n\n<p>As you can see the monthly payout is not high and a lot of components are reimbursement. To balance this a lot of employers pay all reimbursement monthly and deduct taxes at the end of year if the bill is not submitted.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How the Retirement Savings look?<\/h3>\n\n\n\n<p>The good thing about the above salary structure is a lot of contribution goes to long term savings of NPS &amp; EPF. <strong><span style=\"color: #0000ff;\">Every Month Rs 31,167 contribution goes to your retirement savings<\/span><\/strong> as follows:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Component<\/strong><\/td><td><strong>Employee Contribution<\/strong><\/td><td><strong>Employer Contribution<\/strong><\/td><td><strong>Total Contribution<\/strong><\/td><\/tr><tr><td><strong>NPS (10% of basic salary)<\/strong><\/td><td>0<\/td><td>8,833<\/td><td>8,833<\/td><\/tr><tr><td><strong>EPF (12% of basic salary)<\/strong><\/td><td>10,600<\/td><td>10,600<\/td><td>21,200<\/td><\/tr><tr><td><strong>Total<\/strong><\/td><td><strong>10,600<\/strong><\/td><td><strong>19,433<\/strong><\/td><td><strong>30,033<\/strong><\/td><\/tr><\/tbody><\/table><figcaption><strong>Retirement Savings from Salary<\/strong><\/figcaption><\/figure>\n\n\n\n<p>The drawback of the entire salary structure is that the monthly payout would be lower. In case you plan to have high monthly income, you&#8217;ll need to pay more taxes.<\/p>\n\n\n\n<p><strong>We hope this would help you to restructure your salary (CTC) in a way that you can balance your Income Tax on Salary and monthly payout.&nbsp;<\/strong><\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Salaried class have always complained of raw deal year after year in due to laws related to income tax on Salary. But the good news is you can still manage to pay Zero (NIL) income tax on salary of up to Rs 20 lakhs (Salary here means cost to company). All you need to have [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":11121,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[37,3013,63,6],"tags":[3214,3212,3213],"uagb_featured_image_src":{"full":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2019\/03\/Pay-0-Income-Tax-on-Rs-20-Lakh-Salary.png",1000,543,false],"thumbnail":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2019\/03\/Pay-0-Income-Tax-on-Rs-20-Lakh-Salary-150x150.png",150,150,true],"medium":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2019\/03\/Pay-0-Income-Tax-on-Rs-20-Lakh-Salary-300x163.png",300,163,true],"medium_large":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2019\/03\/Pay-0-Income-Tax-on-Rs-20-Lakh-Salary-768x417.png",768,417,true],"large":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2019\/03\/Pay-0-Income-Tax-on-Rs-20-Lakh-Salary.png",1000,543,false],"1536x1536":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2019\/03\/Pay-0-Income-Tax-on-Rs-20-Lakh-Salary.png",1000,543,false],"2048x2048":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2019\/03\/Pay-0-Income-Tax-on-Rs-20-Lakh-Salary.png",1000,543,false],"yarpp-thumbnail":["https:\/\/www.apnaplan.com\/wp-content\/uploads\/2019\/03\/Pay-0-Income-Tax-on-Rs-20-Lakh-Salary.png",120,65,false]},"uagb_author_info":{"display_name":"Amit","author_link":"https:\/\/www.apnaplan.com\/author\/admin\/"},"uagb_comment_info":45,"uagb_excerpt":"Salaried class have always complained of raw deal year after year in due to laws related to income tax on Salary. But the good news is you can still manage to pay Zero (NIL) income tax on salary of up to Rs 20 lakhs (Salary here means cost to company). All you need to have&hellip;","_links":{"self":[{"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/posts\/7736"}],"collection":[{"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/comments?post=7736"}],"version-history":[{"count":1,"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/posts\/7736\/revisions"}],"predecessor-version":[{"id":12506,"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/posts\/7736\/revisions\/12506"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/media\/11121"}],"wp:attachment":[{"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/media?parent=7736"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/categories?post=7736"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.apnaplan.com\/wp-json\/wp\/v2\/tags?post=7736"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}