Kyauta Na'urar Lissafin Gratuity, HRA & EPF na Indiya
Kayan aikin lissafi kyauta na 3-a-1 don Indiya: lissafta gratuity (Payment of Gratuity Act), keɓancewar HRA a ƙarƙashin Sashe na 10(13A), da jimillar EPF a lokacin cika. Yana nuna rabuwa tsakanin abin da aka keɓe da haraji, iyakar HRA da ke ɗauke, da hasashen asusun tanadi na shekara-shekara. Tsarin en-IN, yana aiki gaba ɗaya a burauzarka.
Kyautar da za a biya
Danna adadin don kwafa
Ƙiyasi ne kawai kuma ba shawarar haraji ko shari'a ba. Dukkan lissafi suna gudana a cikin burauzarka; babu abin da ka shigar da ake aikawa ko'ina. Tabbatar da ƙarshen adadin tare da ma'aikacinka ko ƙwararren haraji.
Yadda Yake Aiki
Masu lissafta albashin India na hukuma guda uku a kayan aiki guda. Komai yana gudana a wurin nan a burauzarka ta amfani da ka'idojin hukuma - babu abin da ka rubuta da ake loda shi ko ajiye shi. Sauya tsakanin shafukan Gratuity, HRA Exemption da EPF; kowanne yana sake lissafta nan take yayin da kake bugawa.
- 1Gratuity (Payment of Gratuity Act)Shigar da albashinka na wata-wata na ƙarshe na Basic + DA da tsawon aikinka. Idan watannin shekararka ta ƙarshe suka wuce 6, ana zagaya shekarun sama da guda (misali shekara 11 wata 7 ta zama 12). Ma'aikatan da ke ƙarƙashin doka suna amfani da (Basic+DA) x 15 x shekaru / 26; wadanda ba a ƙarƙashin ba suna amfani da / 30. Kayan aikin sannan yana raba sakamakon a kan iyakar keɓe na Rs 20 lakh (Rs 25 lakh don ma'aikatan gwamnati ta tsakiya) don ka ga duk bangaren da ake biyan haraji akai.
- 2Keɓewar HRA (Section 10(13A))Keɓewarka ita ce mafi ƙaranci daga cikin lambobi uku: ainihin HRA da aka samu, hayar da aka biya rage 10% na albashi, da 50% na albashi don biranen metro (40% in ba haka ba). Kayan aikin yana aiki a sharuɗɗan shekara-shekara kuma yana nuna lambobin wata-wata da na shekara duka, kuma yana haskaka wanne daga cikin gwaje-gwaje uku ne yake iyakancewa.
- 3Tsinkayen balaga na EPFKana bayar da 12% na Basic + DA zuwa EPF. 12% na mai aikinka an raba shi: har zuwa Rs 1,250/wata yana zuwa asusun fansho na EPS kuma sauran yana haɗuwa da EPF ɗinka. Ana haɗa riba (na asali 8.25% p.a.) kowace shekara a kan ma'aunin EPF kuma an tsinkaye shi zuwa shekarun ritayarka, tare da adadin girman albashi na shekara na zaɓi.
- 4Karanta sakamako da kwafiKowane shafi yana nuna babbar lambar tare da tantani da za a iya danna - danna kowace ƙima don kwafi ta. Shafin EPF yana ƙara wata rushewar kudade-vs-riba da wani tebur shekara-bayan-shekara. Wata bayani tana lakabta yadda sabbin Labour Codes (masu tasiri Nov 2025) na iya canja ma'anar albashi.
Dukkan lissafi yana faruwa a na'urarka a JavaScript - albashinka, hayarka da shekarunka ba su taɓa barin burauzarka ba kuma babu abin da ake ajiyewa. Lambobin kimantawa ne don taimaka maka tsara shirye-shirye; tabbatar da adadin ƙarshe da mai aikinka ko wani ƙwararren haraji.
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