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B©-_oc … [email protected], [email protected]^«_UÜdZr … 9833216468/9821461975

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Amnc§ g§Ho$VñWi …marathepratishthan.org

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10. Contact Us … g§nH©$ …

1. Main Page (_w»` nmZ) …

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2. about Us (à{Vð>mZ{df`r) …

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3. Hitguj ({hVJwO) …

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4. We Marathe (Amåhr _amR>o) …

_amR>o Hw$cmMm B{Vhmg Am{Ug§{já _m{hVr ‘Our Heritage’ `mTab da {_ioc.

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5. Gallary (H$cmXmcZ) …

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6. Our Deities (Am_Mr X¡dV§) …

_amR>o _§S>itÀ`m H$mhr {ZdS>H$Hw$cXodVm§{df`r d Hw$cmMmam§{df`r_m{hVr CncãY Amho. CncãY _m{hVrg§Ho$VñWimda Amho. na§Vw AÝ`~è`mM Hw$cXodVm/J«m_XodVm Vg§MH$mhr Hw$cmMmam§Mr _m{hVr {_iyeH$cocr Zmhr. `m _m{hVrMr JaOH$m` Agm àý Oar g`w{º$H$ AgcmAm{U Eo{Vhm{gH$ d Ym{_©H$ àWm§M§AmMaU Oar H$mc~mø dmQ>V Agc§Varhr `mH$So> ‘Documentation ofa period’ `m Ñ{ï>H$moZmVyZ nmhU§JaOoM§ dmQ>V§. òUmè`m {nT>çm§À`m_m{hVrgmR>r Var hm R>odm OVZH$am`cm hdm. Vg§M Amnc§g§Ho$VñWi n[anyU© H$aÊ`mÀ`m Ñï>rZ§hrAem _m{hVrMr JaO Amho. OmUH$maHw$c~m§Ydm§Zr `m g§X^m©V H$mhr _m{hVrAgë`mg g§nH©$ gmYmdm.

7. Chitpavans ({MËnmdZ) …

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Ë`m§Mr JmoÌ§, AmS>Zmd§, Ë`m§MogUdma `m§g§~§Yr {dñV¥V _m{hVrCncãY Amho.

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8. Updates (KS>m_moS>r) …

g^mgX Amnë`m Hw$Qw>§~mVrcKS>m_moS>r (CXm. AnË`cm^, _¥Ë`y,àmg§{JH$ g_ma§^, weddinganniversary, EH$gï>r, gÎmar,ghòM§ÐXe©Z BË`mXr) AmXrg§Ho$VñWimda {d{hV Z_wÝ`mVupload H$ê$ eHo$c. øm _m{hVrMmA§V^m©d g^mgXmÀ`m {dZ§Vr/BÀN>oZwgma {hVJwO_Üòhr H$aVm òB©c.

9. Kulavruttant (Hw$cd¥ÎmmÝV) …

Hw$cd¥ÎmmÝVM§ _hÎd, Ë`m_mJrc^mdZm, B{Vhmg Vg§M Hw$cd¥ÎmmÝVà{gÕ H$aUmè`m gd© {MËnmdZAmS>Zmdm§Mr _m{hVr `m tab da{_ioc.

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10. Contact Us (g§nH©$) …

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AdVaU gwédmVrcm àOmgÎmmH${XZmÀ`m _whÿVm©da, Ë`mZ§Va{edO`§VrÀ`m _whÿVm©da H$aÊ`mM§KmQ>c§ hmoV§. na§Vw Data Security À`mÑ{ï>H$moZmVyZ Amcoë`m H$mhr Vm§{ÌH$AS>MUtda _mV H$ê$Z, hm A§H$Amnë`m hmVmV nSo>n`ªV Amnc§g§Ho$VñWi Zì`m ê$nmV Amnë`mg_moaAmcoc§ Agoc. Amnë`m ôQ>rMm `moJòÊ`mgmR>r AmUIr WmoS>m H$mi OmdmAer Ë`m OJ{Þ`§Ë`mMr BÀN>m {XgVo.AWm©V OwÝ`m ñdê$nmV g§Ho$VñWiCncãY AgocM.

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g§nyU© ^maVmV Xþgam Amcm. Aj`Zo B.Com À`m narjoV Zagr _moZOr _hm{dÚmc`mVyZ 7dm H«$_m§H$nQ>H$mdcm hmoVm. ê$T> àWoà_mUo B.Com d CA Articleship EH$gmW H$ê$Z _o 2014 _Üò KoÊ`mVAmcoë`m CA Final narjoV Ë`mMr Rank Ho$di 10 JwUm§Zr hþH$ë`mMm dMnm Ë`mZo Agm H$mT>cm.Ë`mAmYr Zmoìh| 2010À`m CA IPCC À`m narjoV Vmo 36dm Amcm hmoVm. Aj`cm Ë`mÀ`m `mnwT>rcdmQ>MmcrgmR>r à{Vð>mZV\}$ _Zmo_Z hm{X©H$ ewôÀN>m!

6 & A§H$ 101 dm … {hVJwO … _mM© 2015

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Am`H$a dmM{dÊ`mgmR>r Xa dfu ZMwH$Vm H$mhr Z H$mhr `Wm`mo½`Jw§VdUyH$ àËòH$ Am`H$aXmË`mcmH$amdrM cmJVo. Ë`mgmR>r Ë`m§À`mË`m§À`m H$m`m©c`mVyZ Ë`mg§~§YrOmZodmar/\o$~«wdmar _{hÝ`mVM{dMmaUm hmoVo Am{U AmnU Ho$coë`mJw§VdUwH$sMm Vnerc H$_©Mmè`mcmH$m`m©c`mV Zm|Xdmdm cmJVmo. hrJw§VdUyH$ 1 E{àc Vo 31 _mM© `mdf©âmV Ho$ìhmhr H$aVm òV AgcrVar ~hþVoH$ OU _mM© COmS>Ê`mMrMdmQ> ~KVmV. OmD$ Xo..........._mZdrñd^mdmcm Am¡fY Zmhr.

gÜ`mÀ`m Am`H$a H$m`ÚmZwgmaH$c_ 80G Imcr EHy$U é. XrS>cmImMr (é. 1,50,000/-)Jw§VdUyH$ H$ê$Z Ë`mdarc H$a dmMdVmòD$ eH$Vmo. hr gdcV H$mhr {d{eï>R>odr/`moOZm§_Üò Jw§VdUyH$ Ho$ë`mdaMàmá hmoD$ eH$Vo. `mV g_mdoehmoUmè`m `moOZm nwT>rcà_mUo AmhoV.

1. gmd©O{ZH$ ^{dî`{Zdm©h{ZYr (npãcH$ àm°pìhS§>Q> \§$S>) … hrH$a~MV Am{U Jw§VdUyH$ `m Xmohm|_ÜògwdU©_Ü` gmYUmar, BVa n`m©`m§À`mVwcZoV EH$ AË`§V AmH$f©H$ `moOZmAmho. ~MV H$aÊ`mMr gd`cmJÊ`mgmR>r _mÂ`m d{S>cm§Zr _mÂ`md`mÀ`m 18ì`m dfm©nmgyZM _cm hoImVo CKS>Ê`mgmR>r ^mJ nmS>co.VoìhmnmgyZ AmO d`mÀ`m gmR>rZ§Vahr_r Xa 5 dfmªZr _wXVdmT> KoD$Z AOyZImVo Mmcy R>odco Amho. `m {ZU©`mMm_cm AmOn`ªV H$Yrhr nümÎmmnPmcocm Zmhr.

{\$aVo én`m^modVr Xþ{Z`m- gXmZ§X {dîUw _amR>o, _w§~B© (n¥.417)

PPF H$m`Xm 1968 Ûmao hr`moOZm nmoñQ> Am°{\$gog Am{U ñQ>oQ> ~±H$d {VÀ`m CnH§$nÝ`m§_Üò gwé Pmcr.`WmdH$me BVa H$mhr amï´>r`rH¥$V~±H$m§_Üòhr PPF ImVo CKS>Ê`mMrgmo` Pmcr.

øm `moOZoVrc Jw§VdUyH$ Am`H$aH$m`Xm H$c_ 80G Imcr gdcVrgnmÌ Amho. hr gaH$maMr `moOZmAgë`mZo Am{U H$moUË`mhr nmoñQ>Am°{\$gmV Jw§VdUyH$ H$aVm òVAgë`mZo ghO {ZYm}H$ Amho.

{d{hV Z_wÝ`mV AO© ^ê$Z dKYC gmR>r Amdí`H$ H$mJXnÌo gmXaH$ê$Z ho ImVo CKS>Vm òVo.

d`ñH$ (major) VgoM Ad`ñH$(minor) {Zdmgr ^maVr` ZmJ[aH$,(resident Indian national) Ho$diñdV…À`m EH$Q>çmÀ`m Zmdmda ho ImVoCKSy> eH$VmV. Ho$di Z¡g{J©H$ qH$dmH$m`Xoera nmcH$M Ad`ñH$ì`º$sÀ`m dVrZo ho ImVo gm§^miyeH$Vmo. EH$ ì`º$s Ho$di EH$M ImVoCKSy> eH$Vo. Xþgao PPF ImVoAgë`mMo CKS>H$sg Amë`mg Vo ~§XH$ê$Z Ho$di _wÔc naV {Xco OmVo d\$º$ EH$M ImVo Mmcy amhVo.

~±H$m§À`m _wXV R>odrgmaIo AgUmaoho ImVo gwédmVrg 15 df} Aem XrK©_wXVrgmR>r CKS>Vm òVo. hr _wXVg§në`mZ§Va Xa 5 dfmªgmR>r _wXVdmT>KoVm òVo.

EH$m {dÎmr` dfm©V H$_mc 12doim `m ImË`mV {H$_mZ é. 500/-d H$_mc é. 1,50,000/-À`m EHy$UaH$_oMm âUm H$aVm òVmo. {dÎmr`

dfm©V âcocr EHy$U a¸$_é. 1,50,000/- nojm OmñVAgë`mg é. 1,50,000/- darcaH$_oda ì`mO {_iV Zmhr.

gÜ`m `m `moOZoImcr O_mAgcoë`m aH$_oda dm{f©H$ MH«$dmT>nÕVrZo 8.7% `m XamZo ì`mO {_iVoOo H$a_wº$ AgVo. ì`mOXa Xa dfu~Xcy eH$Vmo. `mnwT>rc dfmª_Üòì`mOXa H$_r hmoÊ`mMr eŠ`Vm cjmVKoVm {_iUmè`m ì`mOmV KQ> hmoÊ`mMrXmQ> eŠ`Vm Amho. Ho$di `mM EH$m~m~VrV ~±H$m§À`m _wXV R>odr gagdmQ>Vrc. na§Vw ~±H$m§À`m _wXV R>odtdaOar {V_mhr MH«$dmT> nÕVrZo ì`mO{_iV Agco Var Vo H$anmÌ AgVo.Ë`m_wio Aem _wXV R>odtda {_iUmè`mì`mOmV Amnë`m tax slab à_mUo10/20 dm 30% KQ> òVo.

`m ImË`mMr _wXV g§në`mda{_iUmar a¸$_hr H$a_wº$ AgVo. hra¸$_ gaH$ma qH$dm H$moUVohr H$moQ>©Jw§VdUyH$XmamÀ`m H$moUË`mhr àH$maÀ`mAm{W©H$ Xm{`ËdmÀ`m naV\o$S>rgmR>rattach H$ê$ eH$V Zmhr. VgoM hra¸$_ Wealth Tax nmgyZhr _wº$ Amho.ho VrZ _wÔo `m ImË`mÀ`m ~m~VrVgdmªV _hÎdmMo AmhoV.

ImVo gwê$ Pmë`mnmgyZ 3 Vo 6dfmªn`ªV `m H$mcmdYrV H$Om©Mr gmo`H$mhr AQ>tda Amho. Ë`mZ§Va åhUOo6ì`m dfm©Z§Va AmH$pñ_H$ JaOm§gmR>rOê$a nS>ë`mg, Aem doioÀ`mAmYrÀ`m 5ì`m dfm©Ioarg (31 _mM©hr df©AIoa g_Ocr OmVo) ImË`mVO_m aH$_oÀ`m 50% a¸$_ H$mT>Vm òVo.

A§H$ 101 dm … {hVJwO … _mM© 2015 & 7

ImË`mda Zm_m§H$ZmMr gmo` Amho.ImVoXmamÀ`m _¥Ë`yZ§Va Zm_m§H$ZAgcoë`m ì`º$scm nmoñQ> Am°{\$g/~±H$ n¡go naV H$aVo. _mÌ Zm_m§H$Zàmáì`º$s ho n¡go Ho$di {dœñV `m ZmË`mZoñdrH$maVo. _¥V Jw§VdUyH$Xma ì`º$sMoBÀN>mnÌ Agë`mg Ë`mà_mUo qH$dm VoZgë`mg "qhXÿ dmagm h¸$ H$m`Xm'cmJy Pmë`mZo Ë`mÛmao nmÌ ì`º$sgAer a¸$_ XoÊ`mg Zm_m§H$Zàmá ì`º$s~m§Yrc amhVo.

2. amï´>r` ~MV à_mUnÌo(National Savings Certificates)VIII d IX _m{cH$m …

gaH$mar d ZmoH$aXma dJ© VgoMCÚmoOH$, ì`mdgm{`H$ Am{Uñd`§amoOJm[aV Aem gd© àH$maÀ`mH$anmÌ ì`º$s¨gmR>r hr cm^Xm`H$`moOZm Amho. _mÌ HUF Am{U Trusts`mV Jw§VdUyH$ H$ê$ eH$V ZmhrV.

ImVo CKS>Ê`mgmR>r nmÌVm PPFImË`mà_mUoM Amho. Zm_m§H$ZmMrhrgmo` Amho.

øm `moOZoVrc Jw§VdUyH$ Am`H$aH$m`Xm H$c_ 80G Imcr gdcVrgnmÌ Amho. hr gaH$maMr `moOZmAgë`mZo Am{U H$moUË`mhr nmoñQ>Am°{\$gmV Jw§VdUyH$ H$aVm òVAgë`mZo ghO d {ZYm}H$ Amho.

{H$_mZ é. 100/- Am{U H$_mc{H$Vrhr aH$_oMr Jw§VdUyH$ H$aVm òVo.~MVnÌo é. 100/-, 500/-,1000/-, 5000/- d 10,000/-À`m aH$_m§Mr AgVmV. ì`mO ghm_mhrMH«$dmT> nÕVrZo O_m hmoD$Z gd© a¸$__wXVrAIoa naV {_iVo. VIII ì`m_m{cHo$V é. 10000À`m Jw§VdUwH$sda8.5% XamZo 5 df©AIoarg é.15162/- d IXì`m _m{cHo$V é.10000À`m Jw§VdUwH$sda 8.8%

XamZo 10 df©AIoarg é. 23660/-naV {_iVrc. H$_mc Jw§VdUwH$sda_`m©Xm Zgcr Var é. 150,000/-n`ªVMr Jw§VdUyH$ H$agdcVrg nmÌAmho.

Xa dfu ì`mO {Xco Zmhr VarImË`mV O_m hmoVo. Ago O_m ì`mOH$anmÌ Oar Agco Var ì`mOmMr a¸$_hr nwZJwªVdUyH$ g_Ocr OmVo. Ë`m_wioH$c_ 80G Imcr {_iUmè`m é.1,50,000/- H$agdcVrg Vo nmÌR>aVo. ì`mOXa {Z{üV Agë`mZoCVaË`m ì`mOXamÀ`m H$mimV hrJw§VdUyH$ PPF À`m VwcZoV gag R>aVo.

gd© ~±H$m `m ~MVnÌm§da H$O©XoVmV. `m_wio hr Jw§VdUyH$ ‘liquidinvestment’ R>aVo.

øm Jw§VdUwH$sda TDS H$mncmOmV Zmhr. na§Vw H$agdcV{_iÊ`mgmR>r IT Return âUo JaOoMoAmho.

_wXVnyVuZ§Va O_m aH$_oMm naVmdmZ KoVë`mg, naVmdm KoB©n`ªV nmoñQ>Am°{\$g ~MV ImË`mÀ`m XamZo ì`mO{_iVo. A{YH$ _m{hVrgmR>r http : //www.indiapost.gov.in/NSC.aspx`m g§Ho$VñWimcm ôQ> Úmdr.

3. OrdZ {d_m (LifeInsurance) …

OrdZ {d_m åhQ>cm H$s LIC hog_rH$aU S>moŠ`mV n¸o$ Pmcoco AgcoVar h„r BVa 15/20 {d_m H§$nÝ`mOrdZ {d_m joÌmV H$m`©aV AmhoV. `mgd© H§$nÝ`m§da IRDA (InsuranceRegulatory and DevelopmentAuthority) Mo {Z`§ÌU AgVo. OyZ2014 nmgyZ IRDA À`m AmXoemZwgmagd© {d_m H§$nÝ`m§À`m {d{dY`moOZm§_Üò gwgyÌVm Amcr. ^maVmVOrdZ {d_m CVadUmè`m§Mo à_mU

BVa àJV Xoem§À`m VwcZoV H$_rMAmho. OrdZ {då`mMo XmoZ _w»` àH$maAmhoV.

Term Insurance : {d_mjoÌmV Joë`m AZoH$ dfmªnmgyZ CncãYAgcm Var Joë`m 5/10 dfmªnmgyZA{YH$ cmoH${à` hmoV Mmccocm hm{d_màH$ma Amho. `m `moOZoÛmao ì`º$sZoHo$coë`m OrdZ {då`mMm \$m`Xm,_¥Ë`yZ§Va Ë`mÀ`m Hw$Qw>§~r`m§ZmM {_iVmo,Ë`m ì`º$sg Zmhr. `m_wio H$Xm{MVnydu `mcm VodT>r cmoH${à`Vm {_imcrZmhr.

`mV _m{gH$, ghm_mhr qH$dmdm{f©H$ hßË`m§V {då`mÀ`mpremium Mr a¸$_ âÊ`mMm n`m©`{d_mYmaH$mcm CncãY AgVmo.{då`mMo H$dM 5 Vo 35 dfmªn`ªV dm¹${MV Ë`mnojmhr OmñV H$mimn`ªVCncãY AgVo. `m _wXVrV{d_mYmaH$mMm _¥Ë`y Pmë`mg Ë`mÀ`mdmagmg qH$dm Ë`mZo Zm_m§H$Z Ho$coë`mì`º$sg {då`mMr nyU© a¸$_ {_iVo.Ë`mZ§Va {då`mMo àr{_`_ âmdo cmJVZmhrV.

d`mÀ`m H$_rVH$_r 3è`mdfm©nmgyZ 70/75 dfmªMr ì`º$sñdV…Mm {d_m CVady eH$Vo. Ad`ñH$ì`º$sÀ`m dVrZo Ë`mMo nmcH$ {d_mCVady eH$VmV.

`m nÕVrÀ`m `moOZm§_wio \$ma H$_ràr{_`_ ^ê$Z Iyn _moR>çm aH$_oMm{d_m CVadVm òVmo. CXm. 25 dfmªÀ`m{Zì`©gZr nwéfmcm 5/6 hOma dm{f©H$premium ^ê$Z 50 cmI Vo 1 H$amoS>aH$_oMm {d_m H$mT>Vm òVmo.

EH$Xm R>acocr àr{_`_Mr a¸$_{då`mMr _wXV g§non`ªV H$m`_ amhVo.na§Vw {d_m CVadÊ`mÀ`m doiMo dÒgo OmñV Ver àr{_`_Mr a¸$_ dmT>V

8 & A§H$ 101 dm … {hVJwO … _mM© 2015

OmVo. àËòH$ H§$nZrMo àr{_`_Mo XadoJdoJio AgVmV.

gÜ`m {då`mÀ`m primium Mra¸$_ Insured Sum À`m 15%À`mAmV Agë`mg primium À`m aH$_odaAm`H$a H$c_ 80G A§VJ©V gyQ> {_iyeH$Vo.

Traditional Insurance : `màH$mamV {då`m~amo~aM ~MVH$aÊ`mMm n`m©` CncãY AgVmo. Á`mì`º$s¨Zm ~MVrÀ`m d Jw§VdUwH$sÀ`m{d{dY _mJmªMr _m{hVr ZgVo qH$dmË`mVrc OmoIr_ KoÊ`mg Ë`m ì`º$sV`ma ZgVmV, Aem ì`º$s¨gmR>r hmEH$ gwa{jV n`m©` Amho. Xþgao åhUOo{d_mYmaH$mcm Ë`mÀ`m h`mVrV H$mhrM\$m`Xm Z XoUmè`m TermInsurance À`m VwcZoV `m àH$mamMrcmoH${à`Vm OmñV hmoVr. `m àH$maÀ`m{då`mMo àr{_`_ TermInsurance À`m H$mhr nQ>rV AgcoVar Ë`mda dm{f©H$ 5 Vo 6% CËnÞSurvival Bonus À`m ñdê$nmV {_iyeH$Vo. na§Vw Jw§VdUwH$sMo BVa n`m©`Ë`mhrnojm OmñV ì`mOXamZo CncãYAgVmZm Jw§VdUyH$ d {d_m `m§Mrgm§JS> Aem àH$mao KmcUo {H$Vrg`w{º$H$ Amho hm ì`{º$gmnoj {ZU©Àmho.

`m{edm` ULIP (Unit LinkedInsurance Plan) hr `moOZmTraditional Insurance À`mYVudaM hmoVr. na§Vw IRDA À`mAmXoemZwgma {d_m H§$nÝ`m§gmR>r hr`moOZm ~§X H$aÊ`mV Amcr Agcr Var‘Asset Management’ H§$nÝ`m _mÌhr `moOZm am~dy eH$VmV. _mÌ OyZ2014À`m AmYr `m `moOZ|VJ©VH$mT>coë`m {d_m nm°{cgr AOyZhr MmcyR>odVm òVmV.

4. noÝeZ `moOZm …H$mhr {ZX}{eV ‘Mutual

Fund’ À`m noÝeZ `moOZm§da 80GA§VJ©V gdcV {_iVo.

Joë`m 5/6 dfmªV gmd©O{ZH$/{ZOr joÌmVrc H§$nÝ`m§À`m VgoMgaH$mar H$_©Mmè`m§gmR>rMr noÝeZ`moOZm ~§X Ho$ë`mZo godm{Zd¥ÎmrZ§VaÀ`mVaVwXrgmR>r å`wMwAc \§$S>m§À`m noÝeZ`moOZm \$m`Xoera R>ê$ eH$Vrc.UTI À`m noÝeZ/ Retirementßc°ZÀ`m SIP (SystematicInvestment Plan) _Üò Xa_hm{H$_mZ é. 500/-Mr Jw§VdUyH$ H$aVmòVo. UTI Fund `m J§JmOirMrgw`mo½` Am{U gw{Z`mo{OV Jw§VdUyH$H$aVmo. R>amdrH$ _wXVrZ§Va dmË`mAmYrhr (Oê$a nS>ë`mg) {Zìdi_mc_Îmm _yë`mYm[aV aH$_oMm naVmdmKoVm òVmo.

5. amï´>r` noÝeZ `moOZm(National Pension SchemeAWm©V NPS) …

^maV gaH$maZo gaH$marH$_©Mmè`m§gmR>r 1 OmZo. 2004 nmgyZgwê$ Ho$cocr hr `moOZm 1 _o 2009nmgyZ XoemVrc Am_ ZmJ[aH$m§gmR>rEopÀN>H$ VÎdmda cmJy Ho$cr. Amnë`mgodm{Zd¥ÎmrZ§VaÀ`m H$mimVhr {d{eï>a¸$_ {_imdr åhUyZ H$_mdVoAgVmZmM VaVyX H$aÊ`mMr gdÀ{Z`§{ÌV joÌmVrc H$m_JmadJm©gcmJmdr `m CÔoemZo `m `moOZoMrAmIUr Ho$cr Jocr. `m `moOZoMrgwYm[aV Amd¥Îmr 2010-11À`mAW©g§H$ënmZ§Va "ñdmdc§~Z `moOZm'`m ZmdmZo gwê$ Pmcr. `m `moOZoVnoÝeZYmaH$mZo {H$_mZ 1000 d H$_mc12000/- dm{f©H$ Jw§VdUyH$ Ho$ë`mggaH$ma Ë`mÀ`m Zmdo é. 1000/- Mr

Jw§VdUyH$ H$aVo. {dÎmr` df© 2016-17 AIoarn`ªV hr `moOZm MmcyamhUma Amho.

18 Vo 55 dfmªMo {Zdmgr ^maVr`ZmJ[aH$ `m `moOZoV g^mgX hmoD$eH$VmV. H$c_ 80C Mr H$agdcVAmho.

`m~m~VMr A{YH$ _m{hVr http ://india.gov.in/spotlight/national-pension-system-retirement-plan-all `m g§Ho$VñWimda {_iyeHo$c.

6. ~±H$m§À`m _wXV R>odr …{d{dY amï´>r`rH¥$V d ImgJr

joÌmVrc ~±H$m§_Üò {d{eï>`moOZoA§VJ©V 5 dfmªgmR>r R>odcoë`m_wXV R>odr 80C À`m H$agdcVrg nmÌR>aVmV.

ImVo CKS>Ê`mgmR>r {d{hVZ_wÝ`mVrc AO© d KYC gmR>rAmdí`H$ H$mJXnÌo gmXa H$ê$Z ImVoCKS>Vm òVo.

d`ñH$ ì`º$s ñdV…À`m Zmdo dAd`ñH$ ì`º$s Z¡g{J©H$/H$m`XoeranmcH$ËdmImcr R>od R>ody eH$Vo.

H$_mc é. 150,000/- n`ªVJw§VdUyH$ H$aVm òVo. {S>g|~a 2014n`ªV Aem R>odtda 8.75% Vo 9%XamZo {V_mhr MH«$dmT> nÕVrZo ì`mO{_iV Ago. na§Vw AmVm ì`mOXa0.25% H$_r Pmco AmhoV.

_wXVnyd© a¸$_ H$mT>Vm òV Zmhr.VgoM `m R>odtda H$O©hr {_iVZmhr.

`mV {_iUmao ì`mO H$anmÌ AgyZì`mO é. 10000/- nojm OmñVAgë`mg Ë`mda TDS H$mncm OmVmo.

Am`H$a {ddaU (IT Return)âë`mZ§Va, nmÌ Agë`mg H$anaVmdmKoVm òVmo.

A§H$ 101 dm … {hVJwO … _mM© 2015 & 9

7. Áòð> ZmJ[aH$ ~MV`moOZm/_m{gH$ Am` `moOZm …(Senior Citizens SavingsScheme/Monthly IncomeScheme) :

Aën~MV g§MmcZmc`mÀ`mAIË`marVrc `m `moOZm nmoñQ>ImË`m_m\©$V Mmcdë`m OmVmV.

60 df} dm Ë`mhÿZ A{YH$ dÀgUmao Áòð> ZmJ[aH$ hr ImVr CKSy>eH$VmV.

SCSS ImË`mda _wXVrZ§Va_wÔcmgH$Q> ghm_mhr MH«$dmT> nÕVrZo9.2% XamZo ì`mO {_iVo.

{H$_mZ é. 1000/-, H$_mcé.15 cmI (é. 1000/-À`m nQ>rV)_wXVR>od åhUyZ 5 dfmªgmR>r R>odVmòVmV. _wXV g§në`mZ§Va 1 dfm©À`mAmV {d{hV Z_wÝ`mV AO© H$ê$Z hr_wXV AmUIr 3 dfmªn`ªV dmT>dVm òVo.

VRS qH$dm PF/Supernnuation KoD$Z {Zd¥VPmcoë`m Am{U 55 dfmªdarcì`º$scmXoIrc PF {_imë`mnmgyZ1 _{hÝ`mÀ`m AmV H$_mc PF EdT>ra¸$_ _wXV R>od åhUyZ R>odVm òVo.

ì`mOmMr a¸$_ dm{f©H$ é.10000/- nojm OmñV Agë`mgTDS H$mncm OmVmo. {V_mhr ì`mOmMra¸$_ H$moUË`mhr nmoñQ> Am°{\$g_Yrc~MV ImË`mV dJ© H$aÊ`mMr gw{dYmAmho.

é. 150,000/- n`ªVÀ`maH$_oda H$agdcV {_iVo. Zm_m§H$Zgw{dYm CncãY Amho.

Jw§VdUwH$sMm naVmdm 1 dfm©Z§VaKoVë`mg Jw§VdUwH$sÀ`m 1.5% Va 2dfmªZ§Va KoVë`mg 2% dOmdQ> hmoVo.

Jw§VdUyH$Xma H$_mc _`m©XoV amhÿZEH$mnojm OmñV ImVr (d¡`{º$H$ qH$dm

spouse ghg§`wº$) CKSy> eH$Vmo.g§`wº$ ImË`mVrc a¸$_ XmoKm§Mrg_g_mZ Agë`mMo J¥hrV Yaco OmVo.

_m{gH$ Am` `moOZoV (MIS)ì`mO Xa_hm {Xco OmVo. ì`mOXa8.4% AgyZ d¡`{º$H$ ImË`mV é.4.5 cmI d g§`wº$ ImË`mV é. 9cmImMr H$_mc _`m©Xm Amho. ~mH$sgd© AQ>r SCSS à_mUo AmhoV.

A{YH$ _m{hVrgmR>r http : //www.indiapost.gov.in/posb.aspx `m g§Ho$VñWimcm ôQ> Úmdr.

8. e¡j{UH$ IM© …H$anmÌ ì`º$sZo Amnë`m 2

AnË`m§À`m nyU© doi {ejUmgmR>remim, _hm{dÚmc`, {dÚmnrR> qH$dmVËg_ g§ñWocm {Xcoco ewëH$, (`mVH$moqMJ ŠcmgogMm g_mdoe Zmhr)H$_mc _`m©Xon`ªV åhUOo é.1,50,000/- n`ªV H$agdcVrgnmÌ Amho.

9. J¥hH$Om©darc naV\o$S>Ho$coco _wÔc …

J¥hH$Om©darc naV\o$S> Ho$coë`m_wÔcmMr H$anmÌ CËnÞmVyZ EHy$U1,50,000/- n`ªV dOmdQ> {_iyeH$Vo. hr dOmdQ> ~m§YH$m_ nyU©Pmë`mZ§VaM {_iy eH$Vo. VgoM Ka OaVm~m KoVë`mnmgyZ 5 dfmªÀ`m AmV{dH$co Va Ë`m dfuÀ`m H$anmÌCËnÞmV KoVcoë`m gwédmVrnmgyZÀ`mgd© dOmdQ>rBVH$s dmT> hmoB©c.

10. H$_©Mmar ^{dî`{Zdm©h{ZYr / EopÀN>H$ ^{dî`{Zdm©h {ZYr( E m p l o y e e s ' / Vo l u n ta r yProvident Fund EPF/VPF) :

^{dî`{Zdm©h {ZYrnmoQ>r ì`º$sÀ`mdoVZmVyZ doimodoir H$mnyZ KoVcoë`maH$_m _mcH$ doimodoir gaH$mar^{dî`{Zdm©h{ZYr ImË`mV O_m

H$aVmo. VgoM H$_©Mmar Ë`m ImË`mVEopÀN>H$ `moJXmZ O_m H$ê$ eH$Vmo.EPF d VPF _Üò Ho$cocr Aeré. 1,50,000/- n`ªVMr Jw§VdUyH$H$agdcVrg nmÌ Amho.

Aem O_m aH$_oda X.gm.8.75% XamZo dm{f©H$ MH«$dmT>nÕVrZo ì`mO {_iVo.

hr ì`mOmMr a¸$_ H$a_wº$ AgVo.VgoM 5 hÿZ OmñV dfmªÀ`m gmVË`nyU©ZmoH$arZ§Va EPF ImVo ~§X Ho$ë`mZ§Va{_iUmar nyU© a¸$_ H$a_wº$ AgVo.Ë`mnojm H$_r H$mimV ~§X Ho$ë`mg{_iUmar a¸$_ H$anmÌ AgVo. A{YH$_m{hVrgmR>r http : //www.i n v e s t m e n t y o g i . c o m / e p f -withdrawal-taxable-for-less-than-5-years-of-continuous-service/ `m g§Ho$VñWimcm ôQ> Úmdr.

Am`H$a H$m`Xm H$c_ 80GImcr H$agdcV {_idÊ`mgmR>rdarcn¡H$s H$moUË`mhr qH$dm gd©`moOZm§_Üò Jw§VdUyH$ eŠ` Amho. na§VwH$agdcVrgmR>r gd© {_iyZ EHy$UH$_mc é. 1,50,000/- n`ªVMrMJw§VdUyH$ nmÌ R>aVo. Cn[a{Z{X©ð> H$c_80G Imcrc dOmdQ>tì`{V[aº$Am`H$a H$m`ÚmÀ`m BVa {d{dYH$c_m§Imcr nwT>rcà_mUo dOmdQ>r{_iy eH$VmV. `mVrc H$mhr dOmdQ>rgd©gm_mÝ` H$aXmË`m§Zm _mhrVhrZgÊ`mMr eŠ`Vm Amho.

• 80CCC : LIC/BVa {d_mH§$nÝ`m§À`m annuity/ noÝeZ `moOZoVâcoë`m àr{_`_da H$_mcé. 1,00,000/- n`ªV (na§Vw 80C,80CCC, 80CCD `m_Üò {_iyZH$_mc é. 1,50,000/-Mr dOmdQ>)

• 80CCD(1) : H|$Ð gaH$ma{ZX}{eV noÝeZ \§$S>mV Ho$cocr ì`{º$e…

10 & A§H$ 101 dm … {hVJwO … _mM© 2015

Jw§VdUyH$ (EHy$U CËnÞmÀ`m H$_mc10%)

• 80CCD(2) : H|$Ð gaH$ma{ZX}{eV noÝeZ \§$S>mV _mcH$mZoHo$cocr Jw§VdUyH$ (EHy$U CËnÞmÀ`mH$_mc 10%)

• 80CCF : H|$Ð gaH$ma{ZX}{eV XrK© _wXVrÀ`mInfrastructure Bonds _YrcJw§VdUyH$ H$_mc é. 20,000/-

• 80CCG : 12 cmIn`ªVCËnÞ Agcoë`m ì`º$s¨Zr {ZX}{eVg_^mJm§V Ho$cocr Jw§VdUyH$. H$_mcé. 25,000/-

• 80D : d¡ÚH$s` {då`mgmR>rMoàr{_`_ Áòð> ZmJ[aH$mcm ñdV…gmR>ré. 20,000/- n`ªV, BVam§Zmé. 15,000/-. BVam§Zr Áòð>nmcH$m§gmR>r âë`mg AmUIr é.20,000/- d nmcH$ Áòð> Zgë`mgAmUIr é. 15,000/-. VgoMdm{f©H$ d¡ÚH$s` VnmgUrgmR>r AmUIré. 5,000/-. Aem [aVrZo H$_mcdOmdQ> é. 45,000/-.

• 80DD : H$aXmË`mÀ`mñdV…À`m dm Ë`mÀ`mda Adc§~yZAgcoë`m {dH$cm§J dm An§JZmVodmBH$m§À`m d¡ÚH$s` CnMmam§MmIM©, qH$dm Ë`mÀ`m IMm©gmR>r LIC/VËg_ {d_m H§$nZrÀ`m Aemì`º$sgmR>r Agcoë`m `moOZm§À`màr{_`_gmR>r {Xcocr a¸$_ H$_mcé. 50,000/-. VgoM 80% nojmA{YH$ An§JËd Agë`mgé. 1,00,000/-.

• 80E : Cƒ e¡j{UH$H$Om©darc ì`mO … ~±H$m, {dÎmr` g§ñWmdm {ZX}{eV Y_m©Xm` g§ñWm§H$Sy>ZñdV…À`m/ Adc§{~V AnË`, nVr/nËZr dm H$m`Xoera nmë`mÀ`m

_hm{dÚmc`rZ/ Cƒ {ejUmgmR>rKoVcoë`m H$Om©darc gd© ì`mO(H$moUË`mhr H$_mc _`m©Xo{edm`)

• 80EE : Ho$di n{hë`mKamgmR>r J¥hH$O© KoUmè`m§gmR>r -KamMr qH$_V 40 cmImhÿZ H$_r dH$O© 25 cmImhÿZ H$_r Agë`mgH$Om©darc ì`mOmnmoQ>r nyU© é. 1cmImMr dOmdQ> ({Xcoco ì`mO H$_rAgco Var) gÜ`m H$a{ZYm©aU df©2015-16 {dÎmr` df© 2014-15gmR>r.

• 80G : H|$Ð gaH$ma {ZX}{eVH$mhr g§ñWm§Zm {Xcoë`m XoU½`m§da100% Va H$mhtda 50% n`ªVdOmdQ>. H$_mc _`m©Xm ‘Gross TotalIncome À`m 10%)

• 80GG : ñdV…À`mamhÊ`mgmR>r Ka^mSo> åhUyZ âcocra¸$_ Oa EHy$U CËnÞmÀ`m 10% nojmA{YH$ Agoc Va Aer OmñVrMr a¸$_(H$_mc é. 2000/- Xa_hm qH$dmEHy$U CËnÞmÀ`m 25%)

• H$c_ 24 … ñdV…amhÊ`mgmR>r KoVcoë`m KamdarcJ¥hH$Om©darc é. 2 cmImn`ªVMo ì`mOH$agdcVrg nmÌ Amho. na§Vw Ë`mgmR>r~m§YH$m_ H$O© KoVë`mnmgyZ 3 dfmªVnyU© Pmco nm{hOo. Vmon`ªV H$_mcé. 30,000/-Mr dOmdQ> Ho$diì`mOmÀ`m aH$_oda {_iVo. H$O©KoVë`mnmgyZ 3 dfmªÀ`m AmV ~m§YH$m_nyU© Pmco Zmhr Va `m 3 dfmªV {Xcoë`mì`mOmÀ`m EHy$U aH$_oMr H$agdcVnwT>rc 5 dfmªn`ªV g_mZ hßË`m§V KoVmòVo.

• H$c_ 24 … J¥hH$O© KoVcocoKa ^mS>çmZo {Xë`mg, J¥hH$Om©darcé. 2 cmImn`ªVMo ì`mO H$agdcVrgnmÌ Amho. na§Vw {_imcoco ^mSo> ho Am`

åhUyZ XmIdyZ Ë`mda Xo` Am`H$aâmdm cmJVmo.

dmMH$m§À`m gmo`rgmR>r `m_m{hVrMo g§H$cZ Ho$co Agco VarAZdYmZmZo `mV H$mhr ÌwQ>r am{hë`mAgÊ`mMr eŠ`Vm Amho. VarJw§VdUwH$s~m~V A§{V_ {ZU©` dmMH$m§ZrAmnco H$ag„mJma, C- qH$dm CF-Aem ì`mdgm{`H$ ì`º$s¨À`mgëë`mZwgmaM ¿`mdm hr {dZ§Vr.

gÜ`mÀ`m dmT>Ë`m IMm©À`m{Xdgm§V àËòH$mMr godm{Zd¥ÎmrZ§VaMrn¡emMr JaO dmT>VM OmUma Amho.CXm. d`mÀ`m 58ì`m dfu Oa Xa_hmé. 25,000/- IMm©Mr VaVyXH$am`Mr Agoc Am{U àM{cVì`mOXa 8% Agoc, Va 30 dfmªÀ`mì`º$sZo nwT>rc 28 df}, Xa_hm3260/- é. Va 25 dfmªÀ`m ì`º$sZonwT>rc 33 dfmªV Xa_hm é. 2190/-Jw§VdUyH$ H$aUo A{Zdm`© Amho.ì`mOXa Oa 6% Agoc Va ømMa¸$_m Xa_hm é. 5650/- d 4200/- Aem AgVrc. `mdê$Z EH$ cjmVòVo H$s H$mimMr JaO AmoiIyZàËòH$mZo Jw§VdUwH$sMo V§Ì VéUnUrMAmË_gmV H$amd`mg hdo.

VmËn`© åhUOo, Am`H$a dmMdUoAm{U Am`wî`mÀ`m gm`§H$mir, `mdmMdcoë`m nw§Orda ñdV…Mo dmAmnë`m cmS>Š`m Hw$Qw>§~r`m§Mo Am`wîÀ{YH$ gwIH$a H$aUo ho àËòH$mÀ`mhmVmV Amho, Ho$di BÀN>meº$s hdr.Zìho, Ago H$aUo ho àËòH$mMo AmÚH$V©ì`M Amho åhUm Zm! Vwåhrhr _mÂ`m`m _Vmer gh_V AgmcM....

Va _J?..... dmQ> H$emcm~Km`Mr..... ew^ñ` erK«_²...!!!

- gXmZ§X {dîUy _amR>o (n¥. 417)

h

A§H$ 101 dm … {hVJwO … _mM© 2015 & 11

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1 OmZodmar 2015Mr dfm©a§^rMrgH$mi COmS>cr Vr EH$m$ _Zñdr,H$m`©_¾ OrdZmÀ`m g_márMr ~mV_rKoD$ZM. H$mimÀ`m nmoQ>mV H$m` XS>cocoAgVo Hw$Umg R>mD$H$? {XZH$a am_M§Ð_amR>o C\©$ Amnco ^mD$H$mH$m AmVm `mOJmV AgUma ZmhrV ho H$Qy dmñVdnMdm`cm ^mJ nmS>Umar Vr gH$mi!Vw_À`m {Ma{ZÐoH$S>o nmhVmZmAmR>dUtMo H$T> AZmda hmoV hmoVo.

37 dfm©nydu _r c¾ hmoD$Z `mKamV Amco, Voìhm Amnco ho _moR>o^mdOr EdT>rM OmUrd, nU c¾mÀ`mXþgè`mM {Xder gË`ZmamÙmMr nyOmhmoVr. Ë`m doir _mÂ`m A§JmV X¡drg§Mma Pmcm hmoVm, Voìhm "Am_À`mKamV Agcr Woa§ MmcUma ZmhrV'Aem H$S>H$ eãXm§V Bemam {_imcm Vmo`mM ^mD$H$mH$m§H$Sy>Z. Ia§Va _rCS>mcoM hmoVo. H$maU XmIdÊ`mÀ`mH$m`©H«$_mÀ`m doir _r ñdV… `m gd©Jmoï>tMr ñnï> H$ënZm {Xcr hmoVr åhUyZc¾mcm hmoH$ma XoVmZm `m gd© Jmoï>rJ¥hrV Yê$ZM {Xcm AgUma hr _mPrg_OyV, AWm©V H$mcm§VamZo \$º$`m§MrM g§_Vr hmoVr ho H$ic§ VohrAJXr AcrH$S>À`m H$mimV. _hÎdmMm_wÔm hm H$s, _r AJXr ZdIr AgyZhr_cm ho H$g§ gm§Jmd§ hm àý Ë`m§ZmnS>cm Zmhr d Ë`m§Zm CcQ> CÎma XoD$ZË`m§Mm An_mZ H$aÊ`mMm _mPmhrg§ñH$ma ZìhVm. Ë`m_wio _amR>çm§À`mKamcm H$_rnUm òB©c Ago Amnë`mhmVyZ H$mhrhr KS>Vm H$m_m Zò, `mMrIyUJmR> ~m§YV, "ho nmUr H$mhr doJi§MAmho' `mMr MwUyH$hr _Zmcm ñne©yZ

Jocr. Ia§ åhUOo ^mD$H$mH$m§MmMwcV^mD$ d ~wdmH$mH$m§Mm _wcJmEdT>rM AmoiI _mÂ`m ^mdm§Zm~{hUrgmR>r da {ZdS>VmZm nwacr

AgVr `mMr OmUrd hiyhiy ÑT> hmoVJocr. gw§Xa~wdm§Mm ~amMgm g§gmaË`m§À`m ^mdmZo åhUOo ZmZm§ZrMgm§^micm Am{U nwT>o Vwåhr Vmo dmagmgm§^micmV. åhUyZM Am_À`mc¾mgH$Q> e¡cm d nwînm `m ~{hUtÀ`mc¾mV AmB©d{S>cm§À`m ImcmoImcàW_ _mZ Vw_Mm hmoVm; Ë`m~amo~aòUmar O~m~Xmarhr AmZ§XmZo Im§ÚmdaKoD$Z Vmo gmW© R>a{dcmV. _mPm _moR>m^mD$ d Vw_Mo Hw$Qw>§~ `m§Mm nyd©n[aM`hr _mÂ`m c¾mgmR>r _moR>r {eXmoarhmoVr.

Hw$Qw>§~mVrc gwIXþ…ImÀ`màg§JmVrc EH$_oH$m§À`m ghdmgmZoVw_À`m ñd^mdmMo {d{dY n¡cy CcJS>VJoco. _r daircm AmH$medmUrH|$ÐmVrc H$m`©H«$_m§À`m coIZ

H$m`©emiocm Joco hmoVo. à{ejUmÀ`m10 {Xdgm§À`m H$mcmdYrgmR>r _r_w§~B©V hmoVo. gmgy~mB© AmOmarAgë`m_wio H$mHy§$À`m {Odmda _wcm§ZmgmoSy>Z Amco hmoVo; nU nmMì`mM{Xder gmgy~mB© Joë`m. H$m`_ gmo~VAgUmar _r A§Ë`g_`r Odi ZìhVoVr I§V KoD$ZM AmnUm§ gdmª~amo~a _rKamV {eaco. àdmgmV Amnë`mMHw$Qw§~mVë`m ì`º$sZo "Pmco H$m_¡{ÌUt~amo~a {\$ê$Z, _Om H$ê$Z'Agm àý {dMmacm Voìhm _r _mÌAdmH²$ Pmco. Ë`m doir n{hë`m{XdgmMo gd© {dYr Pmë`mda nwT>Moà{ejUmMo nmM {Xdg nyU©H$aÊ`mgmR>r Am_À`m~amo~a Vy _w§~B©cmMc åhUyZ Vwåhr C^`Vm§Zr AmJ«hYacm hmoVm. Voìhm {ejU, AZw^d,O~m~XmarMr OmUrd `m§Vrc _ZmMràJë^Vm àH$fm©Zo OmUdcr. ZmZm§Mo"ñdßZgw§Xar' ZmQ>H$ àH${eV H$aÊ`mVVw_Mm qghmMm dmQ>m hmoVm VoìhmMgm{hË`ào_, a{gH$Vm d kmZcmcgm`m§Mr AmoT> OmUdcr hmoVr. åhUyZM_mÂ`m AmdS>rÀ`m gm{hË`joÌmcm_ZmnmgyZ XmX {Xcr hmoVrV. nmcrcm{Oëhm gm{hË` g§_ocZ Pmco, _rAÜ`j hmoVo Voìhm Vw_À`m nwT>mH$mamZogd© Hw$Qw>§~r`m§Zr Am{W©H$ _XV VaHo$crM; nU amÌr XmoZ-AS>rMdmOë`mdahr H$m`©H«$_ g§non`ªV Wm§~yZVwåhr C^`Vm§Zr _cm Kar AmUyZgmoS>coV d _JM AÊUm§H$S>o PmonÊ`mgJocmV. EH$m MwcV^mdO`rgmR>r ho{H$Vr Xþ_ui d _mocmMo hmoVo ho H$gogm§Jy Vwåhmcm?

_Zñdr gm§JmVr-gm¡. àkm _amR>o, ImaKa (n¥.H«$. 169)

H¡$. {XZH$a am_M§Ð _amR>o(^mD$H$mH$m)

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16 & A§H$ 101 dm … {hVJwO … _mM© 2015

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2) B`Îmm 10 dr -

85% Vo 90% JwU àmáH$aUmè`mg é. 800/- 90% nojmOmñV é. 1000/-


3) B`Îmm 12 dr -

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18 & A§H$ 101 dm … {hVJwO … _mM© 2015

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- d¡Ú {demIm XoD$iJmdH$a-nwUVm§~oH$a, nwUo

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gm¡. ew^m a_mH$m§V {dÛm§g18.07.1939 - 08.01.2015

am{w©h$ g„mjma åhuyz a{yh$marmarathepratishthan.org/hitgujpdf/96hitguj-101.pdf · 2015. 6....

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