Tax Efficient Investments – Implore
to shed some tax burden

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Tax-Exempt
Investments

Equity-Linked Savings Schemes (ELSS)

High-growth potential with tax benefits under Section 80C.

Public Provident Fund(PPF) & (EPF)

Stable, long-term returns with complete tax exemption on maturity.

Systematic Withdrawal Plans (SWPs)

Tax-efficient income generation from mutual funds.

Tax
Tax Deferred 1

Tax-Deferred
Investments

National Pension System (NPS)

Deferred tax benefits and retirement planning with an additional deduction under Section 80CCD(1B).

Fixed Deposits under Section 80C

Safe and predictable returns with tax-saving benefits.

Unit-Linked Insurance Plans (ULIPs)

Combine insurance with investment while availing tax savings.

Tax-Free Bonds

Tax-free interest income

Long-term investments backed by government or PSU entities.

Tax Free 1
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Real Estate
Investments

Home Loan Benefits

Deductions under Sections 24(b) and 80C for interest and principal repayments.

Capital Gains Exemptions

Save on taxes by reinvesting gains in property or Section 54EC bonds.

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Sukanya Samriddhi Yojana (SSY)

Deduction under Section 80C.

Completely tax-free returns and maturity benefits.

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Senior Citizens’ Savings Scheme (SCSS)

Higher interest rates than traditional savings options.

Section 80C deductions on investments.

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Health Insurance Premiums

Deduction under Section 80D (up to ₹25,000 for individuals, ₹50,000 for senior citizens).

Additional benefits for preventive health check-ups.

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Life Insurance Premiums

Section 80C deduction on premiums paid.

Tax-free maturity proceeds under Section 10(10D) (conditions apply).

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Capital Gains Tax Optimization Options

Invest in Section 54EC Bonds to save on property-related gains.

Lower long-term capital gains tax (10% beyond ₹1 lakh) on equities.

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Agricultural Income Investments

Income derived from agricultural activities (farming, land lease) is fully tax-exempt under Indian tax laws.

Opportunities for individuals owning farmland or investing in agribusiness ventures.

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Sovereign Gold Bonds (SGBs)

Exemption on capital gains if held till maturity.

Earn annual interest (taxable) while enjoying price appreciation of gold.

Eliminates storage and security concerns of physical gold.

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Gratuity and Leave Encashment

Gratuity received on retirement or resignation is tax-free (up to ₹20 lakh for non-government employees).

Leave encashment at retirement is tax-exempt for government employees and partially exempt for others.

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Infrastructure Bonds

Deductions available under Section 80CCF for investments in infrastructure bonds.

Long-term fixed returns, ideal for conservative investors.

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Education Loan Interest Deduction

Deduction under Section 80E on the interest paid for higher education loans.

No cap on the deduction amount for interest repayment.

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Alternative Investment Funds (AIFs)

Special categories of investments with tax-efficient structures

Opportunities in real estate, infrastructure, and private equity