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	<description>Your Personal Finance Plan!</description>
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	<title>ApnaPlan.com – Personal Finance Investment Ideas</title>
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	<itunes:explicit>no</itunes:explicit><itunes:subtitle>Personal Finance Investment Ideas Blog</itunes:subtitle><itunes:category text="Business"><itunes:category text="Investing"/></itunes:category><xhtml:meta content="noindex" name="robots" xmlns:xhtml="http://www.w3.org/1999/xhtml"/><item>
		<title>Are 5-Year Tax Saver Deposits Still Worth It? A Detailed Analysis</title>
		<link>https://www.apnaplan.com/5-year-tax-saver-deposits-detailed-analysis/</link>
					<comments>https://www.apnaplan.com/5-year-tax-saver-deposits-detailed-analysis/#respond</comments>
		
		<dc:creator><![CDATA[Amit]]></dc:creator>
		<pubDate>Tue, 07 Jan 2025 07:29:00 +0000</pubDate>
				<category><![CDATA[Fixed Deposit]]></category>
		<category><![CDATA[Fixed Income]]></category>
		<category><![CDATA[Tax Saving]]></category>
		<category><![CDATA[Taxes]]></category>
		<guid isPermaLink="false">https://www.apnaplan.com/?p=12542</guid>

					<description><![CDATA[ As we approach the last quarter of the financial year, tax-saving strategies take center stage for many taxpayers. Section 80C of the Income Tax Act offers several popular investment options, including PPF (Public Provident Fund), EPF (Employee Provident Fund), life insurance, and ELSS (Equity Linked Savings Schemes). Among these, 5-year tax saver deposits is quite [&#8230;]<div class='yarpp yarpp-related yarpp-related-rss yarpp-template-list'>

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<li><a href="https://www.apnaplan.com/how-to-tax-save/" rel="bookmark" title="How to Tax Save for FY 2021-22 &#8211; Download Tax Planning ebook">How to Tax Save for FY 2021-22 &#8211; Download Tax Planning ebook</a></li>
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</ol>
</div>
]]></description>
		
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			</item>
		<item>
		<title>Old Vs New Tax Regime – Which is Better for You? Here’s What You Need to Know</title>
		<link>https://www.apnaplan.com/old-vs-new-tax-regime-which-is-better-for-you-heres-what-you-need-to-know/</link>
					<comments>https://www.apnaplan.com/old-vs-new-tax-regime-which-is-better-for-you-heres-what-you-need-to-know/#respond</comments>
		
		<dc:creator><![CDATA[Amit]]></dc:creator>
		<pubDate>Mon, 06 Jan 2025 07:56:32 +0000</pubDate>
				<category><![CDATA[Income tax]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Save Taxes]]></category>
		<category><![CDATA[Tax Planning]]></category>
		<guid isPermaLink="false">https://www.apnaplan.com/?p=12541</guid>

					<description><![CDATA[Choosing the right tax regime is a crucial decision for taxpayers in India. With the introduction of the new tax regime in Budget 2020, taxpayers now have the option to choose between the old Vs new tax regimes. While the new regime offers lower tax rates, it eliminates many of the deductions and exemptions that [&#8230;]<div class='yarpp yarpp-related yarpp-related-rss yarpp-template-list'>

<h3>Related posts:</h3><ol>
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<li><a href="https://www.apnaplan.com/how-to-tax-save/" rel="bookmark" title="How to Tax Save for FY 2021-22 &#8211; Download Tax Planning ebook">How to Tax Save for FY 2021-22 &#8211; Download Tax Planning ebook</a></li>
<li><a href="https://www.apnaplan.com/how-to-save-tax-fy2019-20/" rel="bookmark" title="How to Save Tax for Salaried &#038; Professionals for FY 2019-20?">How to Save Tax for Salaried &#038; Professionals for FY 2019-20?</a></li>
<li><a href="https://www.apnaplan.com/save-income-tax-salaried-professionals-fy2018-19/" rel="bookmark" title="How to Save Income Tax for Salaried and Professionals for FY 2018-19?">How to Save Income Tax for Salaried and Professionals for FY 2018-19?</a></li>
</ol>
</div>
]]></description>
		
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			</item>
		<item>
		<title>Have you Explored all Options to Save Tax for FY 2021-22?</title>
		<link>https://www.apnaplan.com/save-income-tax/</link>
					<comments>https://www.apnaplan.com/save-income-tax/#comments</comments>
		
		<dc:creator><![CDATA[Amit]]></dc:creator>
		<pubDate>Wed, 29 Dec 2021 04:10:00 +0000</pubDate>
				<category><![CDATA[Tax Saving]]></category>
		<category><![CDATA[Income tax]]></category>
		<category><![CDATA[Investment Plan]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[save tax fy 2018-19]]></category>
		<category><![CDATA[Sec 24]]></category>
		<category><![CDATA[Sec 80C]]></category>
		<category><![CDATA[Sec 80CCC]]></category>
		<category><![CDATA[Sec 80CCD]]></category>
		<category><![CDATA[Sec 80CCD(1B)]]></category>
		<category><![CDATA[Sec 80D]]></category>
		<category><![CDATA[Sec 80DD]]></category>
		<category><![CDATA[Sec 80DDB]]></category>
		<category><![CDATA[Sec 80EE]]></category>
		<category><![CDATA[Sec 80G]]></category>
		<category><![CDATA[Sec 80GG]]></category>
		<category><![CDATA[Sec 80GGA]]></category>
		<category><![CDATA[Sec 80TTA]]></category>
		<category><![CDATA[Sec 80U]]></category>
		<category><![CDATA[Sec 87A]]></category>
		<guid isPermaLink="false">http://www.apnaplan.com/?p=8573</guid>

					<description><![CDATA[Everyone hates paying taxes and always are on lookout for Options to Save Tax. However the income tax rules in India are complicated and its becoming more so in recent years. Budget 2020 introduced the concept of New Tax Regime, then there were several changes to the laws in 2020. Thankfully Budget 2021 has been [&#8230;]<div class='yarpp yarpp-related yarpp-related-rss yarpp-template-list'>

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<li><a href="https://www.apnaplan.com/save-income-tax-fy-2017-18/" rel="bookmark" title="How to Save Income Tax for FY 2017-18 &#8211; Download Complete Tax Planning Guide">How to Save Income Tax for FY 2017-18 &#8211; Download Complete Tax Planning Guide</a></li>
</ol>
</div>
]]></description>
		
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			<slash:comments>6</slash:comments>
		
		
			</item>
		<item>
		<title>What is Lien Amount in SBI? How to remove Lien amount in SBI?</title>
		<link>https://www.apnaplan.com/remove-lien-amount-in-sbi/</link>
					<comments>https://www.apnaplan.com/remove-lien-amount-in-sbi/#comments</comments>
		
		<dc:creator><![CDATA[Amit]]></dc:creator>
		<pubDate>Mon, 09 Aug 2021 11:15:54 +0000</pubDate>
				<category><![CDATA[Saving Account]]></category>
		<category><![CDATA[Fixed Income]]></category>
		<category><![CDATA[Lien Amount]]></category>
		<guid isPermaLink="false">https://www.apnaplan.com/?p=12488</guid>

					<description><![CDATA[Are you worried and confused about Lien amount in SBI? Well you are not alone. In most cases, this should not be reason to worry. In this post we cover about following: What is Lien Amount? Reasons for having Lien Amount in SBI? How can you remove Lien in SBI online &#38; Offline? What is [&#8230;]<div class='yarpp yarpp-related yarpp-related-rss yarpp-template-list'>

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			<slash:comments>2</slash:comments>
		
		
			</item>
		<item>
		<title>Sovereign Gold Bond August 2021 ★ Best (Tax Free) way to Invest in Gold</title>
		<link>https://www.apnaplan.com/sovereign-gold-bond/</link>
					<comments>https://www.apnaplan.com/sovereign-gold-bond/#comments</comments>
		
		<dc:creator><![CDATA[Amit]]></dc:creator>
		<pubDate>Sat, 07 Aug 2021 18:43:00 +0000</pubDate>
				<category><![CDATA[Gold]]></category>
		<category><![CDATA[Bonds]]></category>
		<category><![CDATA[Fixed Income]]></category>
		<category><![CDATA[Investment Plan]]></category>
		<category><![CDATA[Gold Bond]]></category>
		<category><![CDATA[SGB]]></category>
		<category><![CDATA[Sovereign Gold Bond]]></category>
		<category><![CDATA[Sovereign Gold Bond 2021]]></category>
		<category><![CDATA[Sovereign Gold Bond Tax]]></category>
		<guid isPermaLink="false">https://www.apnaplan.com/?p=11909</guid>

					<description><![CDATA[Get details of latest Sovereign Gold Bond Price, Issue details, taxation and how to invest. How to calculate your SGB returns and why its the best way to invest in Gold
<div class='yarpp yarpp-related yarpp-related-rss yarpp-template-list'>

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</ol>
</div>
]]></description>
		
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			<slash:comments>2</slash:comments>
		
		
			</item>
		<item>
		<title>Income Tax Calculator India in Excel★ (FY 2021-22) (AY 2022-23)</title>
		<link>https://www.apnaplan.com/income-tax-calculator-india/</link>
					<comments>https://www.apnaplan.com/income-tax-calculator-india/#comments</comments>
		
		<dc:creator><![CDATA[Amit]]></dc:creator>
		<pubDate>Sat, 31 Jul 2021 19:00:00 +0000</pubDate>
				<category><![CDATA[Calculators]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Budget 2020]]></category>
		<category><![CDATA[Income tax]]></category>
		<category><![CDATA[Investment Plan]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[AY 2021-22]]></category>
		<category><![CDATA[FY 2020-21]]></category>
		<category><![CDATA[Income Tax Calculator]]></category>
		<category><![CDATA[income tax calculator 2020]]></category>
		<guid isPermaLink="false">https://www.apnaplan.com/?p=11849</guid>

					<description><![CDATA[Download the Excel based Income Tax Calculator India for FY 2020-21 (AY 2021-22). This compares the New Vs Old Tax regime and NRIs can also use this<div class='yarpp yarpp-related yarpp-related-rss yarpp-template-list'>

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<li><a href="https://www.apnaplan.com/tax-free-incomes-investments/" rel="bookmark" title="25 Tax Free Incomes ★ Investments in India">25 Tax Free Incomes ★ Investments in India</a></li>
<li><a href="https://www.apnaplan.com/income-tax-calculator-excel-2021-22-ay-2022-23/" rel="bookmark" title="Download Income Tax Calculator excel 2021-22 ★ [AY 2022-23] ★">Download Income Tax Calculator excel 2021-22 ★ [AY 2022-23] ★</a></li>
<li><a href="https://www.apnaplan.com/tax-slab/" rel="bookmark" title="Income Tax Slab for AY 2020-21">Income Tax Slab for AY 2020-21</a></li>
</ol>
</div>
]]></description>
		
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			<slash:comments>5</slash:comments>
		
		
			</item>
		<item>
		<title>9% Piramal Capital &amp; Housing Finance Ltd NCD ★ July’21 ★ Should you Invest?</title>
		<link>https://www.apnaplan.com/piramal-capital-housing-finance-ltd-ncd-july-2021/</link>
					<comments>https://www.apnaplan.com/piramal-capital-housing-finance-ltd-ncd-july-2021/#comments</comments>
		
		<dc:creator><![CDATA[Amit]]></dc:creator>
		<pubDate>Mon, 12 Jul 2021 10:26:51 +0000</pubDate>
				<category><![CDATA[NCDs]]></category>
		<category><![CDATA[Bonds]]></category>
		<category><![CDATA[Fixed Income]]></category>
		<category><![CDATA[PCHF NCD]]></category>
		<category><![CDATA[Piramal Capital & Housing Finance Limited Bonds]]></category>
		<category><![CDATA[Piramal Capital & Housing Finance Ltd NCD]]></category>
		<guid isPermaLink="false">https://www.apnaplan.com/?p=12472</guid>

					<description><![CDATA[Piramal Capital &#38; Housing Finance, has come out with Piramal Capital &#38; Housing Finance Ltd NCD (Tranche 1) offering 9% and opens for subscription from July 12, 2021. Piramal Capital &#38; Housing Finance, incorporated in 2017 is a non­ deposit taking hous­ing ﬁnance company and 100% subsidiary of the Piramal Enterprises. The company deals in [&#8230;]<div class='yarpp yarpp-related yarpp-related-rss yarpp-template-list'>

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</div>
]]></description>
		
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			<slash:comments>1</slash:comments>
		
		
			</item>
		<item>
		<title>10% IIFL Home Loan NCD ★ July’21 ★ Should you Invest?</title>
		<link>https://www.apnaplan.com/iifl-home-loan-ncd-july-2021/</link>
					<comments>https://www.apnaplan.com/iifl-home-loan-ncd-july-2021/#respond</comments>
		
		<dc:creator><![CDATA[Amit]]></dc:creator>
		<pubDate>Tue, 06 Jul 2021 00:28:25 +0000</pubDate>
				<category><![CDATA[NCDs]]></category>
		<category><![CDATA[Bonds]]></category>
		<category><![CDATA[Fixed Income]]></category>
		<guid isPermaLink="false">https://www.apnaplan.com/?p=12458</guid>

					<description><![CDATA[IIFL Home Loan, the Housing Finance company from IIFL Group has come out with IIFL Home Loan NCD (Tranche 1) offering 10% and opens for subscription from July 6, 2021. It is technology driven HFC with focus on low &#38; middle income group in suburbs of Tier 1, Tier 2 and Tier 3 cities. IIFL [&#8230;]<div class='yarpp yarpp-related yarpp-related-rss yarpp-template-list'>

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]]></description>
		
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			</item>
		<item>
		<title>7 Disadvantages of SIP (Systematic Investment Plan) &amp; What You Can Do About It</title>
		<link>https://www.apnaplan.com/disadvantages-of-systematic-investment-plan-sip-and-the-way-out/</link>
					<comments>https://www.apnaplan.com/disadvantages-of-systematic-investment-plan-sip-and-the-way-out/#comments</comments>
		
		<dc:creator><![CDATA[Amit]]></dc:creator>
		<pubDate>Mon, 05 Jul 2021 16:05:00 +0000</pubDate>
				<category><![CDATA[Mutual Funds]]></category>
		<category><![CDATA[Regular Investment]]></category>
		<category><![CDATA[SIP]]></category>
		<category><![CDATA[Systematic Investment Plan]]></category>
		<guid isPermaLink="false">http://www.apnaplan.com/?p=25</guid>

					<description><![CDATA[I personally am a fan of Systematic Investment Plan (SIP) in Mutual Funds for creating long term wealth. It has been marketed so well by mutual fund companies that everyone seems to see all positives but no cons. But as true for anything you do or plan, it&#8217;s essential to know about disadvantages of SIP. [&#8230;]<div class='yarpp yarpp-related yarpp-related-rss yarpp-template-list'>

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			<slash:comments>3</slash:comments>
		
		
			</item>
		<item>
		<title>Can we claim HRA and home loan together for Tax Benefit?</title>
		<link>https://www.apnaplan.com/tax-benefit-both-hra-home-loan/</link>
					<comments>https://www.apnaplan.com/tax-benefit-both-hra-home-loan/#comments</comments>
		
		<dc:creator><![CDATA[Amit]]></dc:creator>
		<pubDate>Sun, 04 Jul 2021 19:38:00 +0000</pubDate>
				<category><![CDATA[Income tax]]></category>
		<category><![CDATA[Investment Plan]]></category>
		<category><![CDATA[Tax Return]]></category>
		<category><![CDATA[Tax Saving]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[Home Loan Tax Benefit]]></category>
		<category><![CDATA[House Rent Allowance]]></category>
		<category><![CDATA[HRA]]></category>
		<category><![CDATA[HRA tax benefit]]></category>
		<category><![CDATA[Section 10(13A)]]></category>
		<category><![CDATA[section 24(b)]]></category>
		<guid isPermaLink="false">http://www.apnaplan.com/?p=8142</guid>

					<description><![CDATA[Can we claim HRA and home loan simultaneously for Tax Benefit? – A question which is often asked by many tax payers. This is mainly because many employers do not allow both tax benefits together in certain situations. Unfortunately this is NOT the right thing to do. Both HRA and Home Loan Interest tax sections [&#8230;]<div class='yarpp yarpp-related yarpp-related-rss yarpp-template-list'>

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