When you're buying a home in India, you're not just signing a deal—you're entering a system shaped by Section 80C, a tax deduction rule that lets you reduce your taxable income by up to ₹1.5 lakh for home-related expenses. Also known as tax-saving investments under Chapter VI-A, it covers your home loan principal, stamp duty, and registration fees. Skip the paperwork mistakes, and you could save thousands every year.
But home buying in India isn’t just about tax forms. It’s also about RERA India, the law that protects buyers when developers delay possession or change plans without notice. Also known as Real Estate Regulatory Authority, it gives you the right to claim interest on delays, file complaints online, and even walk away if the project fails. Most buyers don’t know this until it’s too late. Then there’s the money side: property investment returns, how much you actually earn after accounting for maintenance, taxes, and vacancy. Also known as real estate ROI, it’s not the same as the broker’s promise of 15% annual growth. In cities like Prayagraj, yields vary wildly by locality, and hidden costs can eat up half your profit. And if you’re looking for safe ways to save for a down payment, tax saving FD, a five-year fixed deposit that qualifies for Section 80C deductions. Also known as 80C fixed deposit, it’s one of the few options that gives you guaranteed returns with zero market risk.
People think buying a home is about location and size. But the real game is in the details: knowing when to claim stamp duty under Section 80C, how to use a Systematic Withdrawal Plan (SWP) from mutual funds to fund your down payment, or how to avoid paying capital gains tax when switching funds. You don’t need to be an expert—you just need to know what questions to ask before signing anything.
Below, you’ll find clear, no-fluff guides on everything from filing RERA complaints to choosing the right ELSS fund for your 80C limit. No theory. No hype. Just what works for real buyers in India today.
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