Monday, August 29, 2016

கண்களை மூடி தவம் செய்யக்கூடாதாம் - தவம் செய்வது எப்படி.?



கண்களை மூடி தவம் செய்யக்கூடாதாம் - திட்டுகிறார் அகத்தியர் ..!
தவம் செய்வது எப்படி.?
அகத்தியர் சொல்லும் மடையர்கள்...!
இங்கு கொடுக்கப்படும் அகத்தியர் பாடல் மிக முக்கியமானது. ஆம், சித்தர்களின் ஞான தவத்தை தெரிந்து கொள்ள விரும்புவர்கள் படிக்க வேண்டிய பாடல். கண்ணை மூடி கொண்டு சில யோக பயிர்ச்சிகளை செய்து கொண்டு இறைவனை அடைந்து விட முடியும் என்று நினைத்து கொண்டிருப்பவர்கள் படிக்க வேண்டிய பாடல். இந்த பாடலுக்கான குரு நாதரின் முழு விளக்கம் “ஞானம் பெற விழி” என்ற புத்தகத்தில் இருந்து கொடுக்கிறோம். படித்து தெளிந்து சித்தர்களும், வள்ளல் பெருமானும் சொல்லும் தவத்தின் படி திரும்ப எல்லாம் வல்ல அருட்பெரும்சோதியை வேண்டுகிறோம்
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“மடையனவன் சலத்திலுள்ளே யிருந்தே னென்பான்
மாடுநிற்கும் யோகமல்ல வித்தையாச்சு
சடைவளர்த்தா லாவதென்ன கண்ணை மூடிச்
சாம்பவியென் றேயுரைப்பார் தவமில்லார்கள்”
– அகத்தியர் ஞானச்சுருக்கம்
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வித்தை காட்டுபவ்ர்கள் தான் நான் தண்ணீரினுள் இருப்பேன். அப்படி செய்வேன் இதை செய்வேன் என பொய்களை அவிழ்த்து விடுவர். மடையன் தான் அவன்! ஏனெனில் ஒரு எருமை மாடு கூட தண்ணீரினுள் இருக்கும்! அவன் யோகியல்ல!
அதுமட்டுமா? தாடி சடை வளர்த்து உத்திராட்சம் அணிந்து காவி உடுத்தி பெரியசாமி என்று தன்னை தம்பட்டமடிக்கும் எவனும் உண்மையான் சாமி அல்ல! மூவாசையை முற்றும் துறந்தவனே, சாமி – யார்? என தத்துவ ஆராய்ச்சியில் ஈடுபடுபவனே, அத்ற்காக ஞான தவ்ம் செய்பவனே சாமியார்! ஆத்மசாதகன்! தவசீலன்!
காஷாயம் தரித்து கண்ணை மூடி எவன் எதை செய்தாலும் அதுவும் ஞானமல்ல! தவமல்ல! கண்ணை மூடினாலே தவறு!? அவன் கண்ணை மூடிட்டான் என செத்தவனைத்தானே சொல்வோம்? கண்ணை மூடி நீ எதை செய்தாலும் நீயும் செத்துதான் போவாய்!? சந்தேகமேயில்லை!
“கலையுரைத்த கற்பனை எல்லாம் நிலை என கொண்டாடும் கண் மூடி பழக்கம் எல்லாம் மண் மூடி போக” என் திருவருட்பிரகாசவள்ளலார் தெளிவாக கூறுகிறார்! இங்கே இந்த பாடலில் அகத்தியரும் கூறுகிறார்.“கண்ணை மூடி சாம்பவியென்று உரைப்பார் தவமில்லர்கள்” என்றே!?
இப்போதும், பல சாமியார்களும் தியானம் சொல்லித்தாரேன்! சாம்பவி முத்திரை யோகா என்றெல்லாம் விளம்பரம் செய்து அப்பாவிகளை கூட்டி வைத்து கண்ணை மூடு அதை செய் அப்படி நினை என என்ன்வெல்லாமோ கூறுகிறார்கள்! ஏமாற்றிப் பிழைக்கிறார்கள் அவர்களுக்கும் ஞானம் என்றால் என்னவென்றே தெரியாது!
பாவம்! மடையர்கள்!
தவம் எப்படி செய்ய வேண்டும்?
இங்கு பெரும்பாலும் தவம் (Thavam/Meditation) கண் மூடி செய்வது என்றே தெரிந்திருக்கிறது. ஆனால் தவம் என்பது கண்மூடி செய்வதல்ல. கண் திறந்து செய்வதே ஆகும்.
கண்ணை மூடி செய்தால் மாயைதான் விளையாடி கொண்டிருக்கும். அதனால் தான் வள்ளலார் விழித்திரு என்று சொன்னார். ஒவ்வொரு கணமும் விழித்திருக்க வேண்டும் விழிப்புணர்வோடு இருக்க வேண்டும். இதைத்தான் Awareness என்று சொன்னார்கள்.
மேலும் பொதுவாக நம்மிடம் ஒரு கருத்து வேறூன்றியிருக்கிறது. அதாவது இமைகளை திறந்து இருக்கும் போது புற உலகை பார்த்து கொண்டிருப்பதாகவும் மேலும் கண்ணை மூடி தவம்(Meditation) செய்யும் போது அகத்தில் உள்ளே போய் இறைவனை காண முடியும் என்று நினைத்து கொண்டிருக்கிறோம். ஆம், கண் திறந்து இருக்கும் போது புறக்கண் என்றும் கண்ணை மூடி இருக்கும் போது அகக்கண் என்றும் நாமாகவே நினைத்து கொண்டிருப்பதுதான் அப்பட்டமான அறியாமை!
ஆம், கண்ணை மூடி கொண்டு இருந்தால் அமைதியாக இருக்கிறது இதுவே நம்மை உள்ளே கொண்டு போய் சேர்த்து விடும் என்று நம்புவதே ஒரு மாயைதான். கண்ணை மூடி இருந்தால் அது இருட்டு, கண் திறந்து இருந்தால்தான் வெளிச்சம் (ஒளி). வேறொரு விதமாக சொல்வதானால் கண்மூடி இருப்பது என்பது அமாவாசை கண் திறந்து இருப்பது என்பது பெளர்னமி. பெளர்னமி அன்று கிரிவலம் சுற்றுவதுதான் சால சிறந்தது என்பதை நினைவில் நிறுத்தி கொள்ளுங்கள். இப்படி ஞானமடைய எப்படி தவம் செய்ய வேண்டும் என்பதைத்தான் பக்தியில் சொல்லி வைத்தார்கள்.
கண்ணை திறந்து செய்ய வேண்டும் என்று சொல்லியாயிற்று. எப்படி என்பதை திருமூலர் திருமந்திரத்தில் சொல்கிறார்.
“விளக்கைப் பிளந்து விளக்கினை ஏற்றி
விளக்கினுக் குள்ளே விளக்கினைத் தூண்டி
விளக்கில் விளக்கை விளக்கவல் லார்க்கு
விளக்குடை யான்கழல் மேவலும் மாம”
திருமந்திர பாடல் – 2816
இவர்கள் ஏற்றி கொண்ட விளக்கு ஒரு ஞான குருவால் தூண்டி விடப்பட்ட விளக்கு தான். சிலர் குரு இல்லாமல் அடைந்து விடலாம் என்று பொதுவில் பேசி வருகிறாகள் ஆனால் இது சாத்தியமில்லாத ஒன்று. குரு சுட்டி காட்டாத வித்தை பாழ் என்பதை கேள்விபடாதவ்ர்களே இப்படி பேசுபவர்கள். கண்ணப்ப நாயனார் போன்று இருப்பவர்களுக்குதான் குரு தேவையில்லை என்று சொல்லலாமே தவிர மற்றவர்களுக்கு இல்லை. நாம் கண்ணப்ப நாயனாரா இல்லையா என்பதை அவரவர் மனசாட்சி தான் பதில் சொல்ல வேண்டும்.
ஒரு சற்குரு நம் மெய்பொருளில் (அ) திருவடியில் சுட்டி காட்டினால்தான் இந்த ஞான தவம் செய்ய முடியும். மேலும் அப்பொழுதுதான் நமது புறக்கண் அகக்கண்ணாக மாறுவதற்க்கான முதல் படி மேலும் தொடர்ந்து சீடன் தவம் செய்ய செய்யவே அது அகக்கண்ணாக மாறும். இதுதான் அகக்ண்ணே தவிர மற்றது அல்ல. ஆம், கண்ணை மூடி கொண்டு இஷ்ட தெய்வத்தை நினைத்து கொள்வது எல்லாம் அகக்கண் இல்லை. கண்ணை மூடிட்டான் என்று சொன்னாலே தமிழில் அது செத்தவனைத்தான் குறிக்கும் என்பதை சிந்தித்து தெளிக!விழித்திரு என்பது இதுவே!
கண்ணை திறந்து செய்ய வேண்டும் என்று பொத்தாம் பொதுவாக இங்கு சொல்லவில்லை. ஏன் திறக்க வேண்டும்? எப்படி திறக்க வேண்டும்? 
நமது திருவடியான மெய்பொருளின் தன்மை அதனுள் ஒளிந்திருக்கும் சூட்சுமங்கள் அனைத்தும் தெரிய வேண்டும். தெரிந்தால்தான் கண்ணை திறந்து எப்படி சும்மா இருக்க முடியும் என்பது தெரியும்! ஞான தவம் என்பது ஒன்றும் அல்ல! சும்மா இருப்பதுதான். ஆம், எல்லா ஞானிகளும் சும்மா இருந்தே சுகம் பெற்றார்கள். சும்மா இருப்பது எப்படி என்றால் முதலில் திருவடி (மெய்பொருள்) பற்றி தெரிந்திருக்க வேண்டும்.
தவம் இருக்க போகிறேன் என கண்களை மூடி முயற்சி செய்யும் சில ஆன்மீக நண்பர்கள் அதில் நிபுணத்துவம் பெற்ற நம் ஞானிகள் சொன்னவற்றை நினைவில் வைத்து தவத்தில் வெற்றி பெறலாமே.! - Muthukumar subbukutty

Monday, August 22, 2016

Fraud ATM transaction with my atm card number, even ATM card was with us. How can I get money back?

Query: Brother in foreign is using axis bnk atm debit card. Got sms of withdrwl for 2 day in small amnts. Our card ws nt used still shwing our no in trnsction. 65000/- withdrwn. Complained in bnk but nt geting confident response. Wht are possible steps 2 recover money back.?

Answer:

Recently a large number of frauds had taken place and are also taking place in automated teller machines.
This is very simple.
You might have used the debit card somewhere - automated teller machine or point of sale terminal with a business unit
In the case of automated teller machine, the miscreants attach a small attachment with the card insertion slot and it can be rarely seen from outside; however while inserting the card, the cardholder can find some difference - some jerk or some difficulty in inserting the card. The attachment captures all the data from the cards inserted.
The miscreant takes back the device and he decodes the message through one card reading machine and he is able to get the entire details just like a bank ledger.
He picks up the cards where more number of funds are available and duplicate cards are generated and using these cards they withdraw the money.
Your card will be at Chennai and the amount will be withdrawn at Cairo or Canberra. How this takes place? Of course, the software data is sold to foreign clients and they generate cards and take out the money.
Recently RBI had come out with clear instructions that commercial banks should pay the money withdrawn fraudulantly from the automated teller machines within three days from the date of receipt of complaint from the customer.
You have to complain and you should complain providing all the details.
And you should send a letter now itself because for non submission of the complaints within the stipulated time means - you are accepting the transaction. Go to RBI website and read their instructions in this connection.
I am providing herewith a format of letter for your use and fill up the details and submit the letter in person or by registered post or by speedpost.
You can also get the format from the following blog: OPEN WINDOW

You can contact me at my email id available at my profile page for further guidance in this connection



From:                                                                                                       Place:                      
                                                                                                                                                                                                                                                                Dated:
Name …………………………………………... 
Address ………………………………………..
……………………………............................
………………………………………………….. …
Contact Mobile No:

To:

The Branch Manager,
.................Bank
Address.......................................................

Sir,
Sub: My savings bank account Number:........................................... with you
---------
With reference to my savings bank account number with your branch as mentioned above,  I regret to inform you that I had received SMS alerts informing me of cash withdrawals as per details as mentioned below even though I had not attempted to withdraw cash from any automated teller machines using my debit card and I furnish herebelow the details for your information so as to enable you to recredit the amount to my account:
Name of the account holder


Account Number


Debit/credit card number


Name of the bank and branch where the  account is maintained

Date of transaction


Transaction time


Transaction amount
Rs.

Location of automated teller machine

ATM machine pertains to which (Bank/service provider)

Details of complaint
I had not at all used my debit card for withdrawing cash from the automated teller machines. The card is with my possession
In view of the circumstances as mentioned above, I request you to kindly arrange to re credit the amount to my account at the earliest.
Yours faithfully


Signature

Enc: 

Wednesday, August 10, 2016

What is the procedure while the debit card has been fraudulantly used in automated teller machine?



Question: I am having a debit card pertaining to ABC bank and I wanted to withdraw cash using my debit card with one automated teller machine. I was not able to withdraw cash since the funds was found to be insufficient. I got one mini statement and I found that an amount has been withdrawn from an automated teller machine using my debit card. How to proceed in this case?

Answer:
You had not used your debit card for withdrawal from the automated teller machine. It means that some miscreants might have prepared a duplicate card for your debit card and might have withdrawn amount from the automated teller machine

You have to immediately lodge a complaint letter with your bank branch in this connection and you should furnish the details of your entire transactions in the letter. The bank should find out as to whether the withdrawal was through original debit card or a fake card.

The format of letter has been produced hereinbelow and you can make use of the card by furnishing the requisite details in the letter:


(Letter to the bank manager in regard to fraudulent withdrawal by using debit card  through automated teller machine)

From:                                                                                                       Place:                      
                                                                                                                                                                                                                                                                                   Dated:
Name …………………………………………... 
Address ………………………………………..
……………………………............................
………………………………………………….. …
Contact Mobile No:

To:

The Branch Manager,
.................Bank
Address.......................................................

Sir,
Sub: My savings bank account Number:........................................... with you
---------
With reference to my savings bank account number with your branch as mentioned above,  I regret to inform you that I was not delivered cash from the automated teller machine while I attempted to withdraw cash from the machine and I furnish herebelow the details for your information so as to enable you to recredit the amount to my account:
Name of the account holder


Account Number


Debit/credit card number


Name of the bank and branch where the  account is maintained

Date of transaction


Transaction time


Transaction amount
Rs.

Location of automated teller machine

ATM machine pertains to which (Bank/service provider)

Details of complaint
On the date and time as mentioned above, I attempted to withdraw cash using my debit card and PIN number; however, the machine did not dispense cash; however, while I opted for getting a mini statement, I found that already an amount of Rs._________has been withdrawn from the account using the debit card. However, I had not provided the debit card to anybody  
In view of the circumstances as mentioned above, I request you to kindly arrange to re credit the amount to my account at the earliest.
Yours faithfully


Signature

Enc: 

How the debit cards can be fraudulantly used?




01. You are having your debit card. Knowingly or unknowingly you had noted down the PIN number on the back side of the card in the white portion for easy remembrance. Now you had lost the card while on transit. Somebody takes the card and he goes to the nearest ATM and withdraws the maximum amount permitted for the day using the PIN number mentioned in the card. In this situation, immediately you have to contact the toll free number available in your bank automated teller machine and lodge a complaint and they will immediately black list the card. For the amount paid by the machine, you have to file separate FIR with the Police explaining the details about the loss of card.
02. You are going to get petrol for your vehicle and you are providing the debit card for payment of money. Apart from the handheld machine, without your knowledge, the delivery boy inserts the debit card in another machine which is a pin reader. Now the pin reader captures all details from the card and a duplicate debit card is prepared and the amount is withdrawn from the machine. In this case, you have nothing to do; however, on finding out the loss of money, you have to report to toll free number or your branch to blacklist the card.
The debit card and credit card users have certain responsibilities in protecting their cards and keeping secret the details about PIN number. This apart, the customer should not allow any other person to use his debit card and he should ensure that the debit card is utilised in his physical presence only 

How do I can get a duplicate pass book from the bank when my original pass book is found lost in transit?






You are having an account with a bank branch and you find that you had lost your pass book while on transit.
Now you are willing to get a pass book and the bank is in need of a written representation from your end.
The following is the format of letter to be submitted to the bank manager.

(Letter to the bank manager requesting him to issue a duplicate pass book when original pass book is found lost)


From:                                                                                                       Place:                      
                                                                                                                                                                                                                                                                Dated:
Name …………………………………………... 
Address ………………………………………..
……………………………............................
………………………………………………….. …
Contact Mobile No:

To:

The Branch Manager,
.................Bank
Address.......................................................

Sir,
Sub: My savings bank account Number:........................................... with you
---------
With reference to my savings bank account number with your branch as mentioned above,  I regret to inform you that I had lost my pass book while on transit and I request you to kindly issue a duplicate pass book at the earliest. The service charges on account of issue of duplicate pass book may be debited to my account as mentioned above.
Name of the account holder


Account Number


Name of the bank and branch where the  account is maintained

Details of request
Issue of duplicate pass book since original pass book is found lost while on transit
In view of the circumstances as mentioned above, I request you to kindly arrange to re credit the amount to my account at the earliest.


Yours faithfully


Signature

Enc: 

Is the income of political parties in India is subject to income tax?



When it comes to income tax, nobody is spared including the top officials of the country.
Anybody who is earning an income more than the prescribed limit has to pay income tax as per income tax rules.
However, the following are some incentives available:
  1. Interest income from savings deposits upto an amount of Rs. 10000.00 is exempt from income tax
  2. Investments in certain categories namely; public provident fund, national savings certificates, life insurance premia, tax savings bonds are exempt from income tax upto an amount of Rs. 150000.00
  3. All individuals need not pay income tax for the initial amount of Rs/ 250000.00
  4. Senior citizens are exempt in payment of tax upto an amount of Rs. 300000.00
  5. Super senior citizens are exempt in payment of tax upto an amount of Rs. 500000.00
  6. Repayment of housing loans upto certain limit is exempt from income tax
  7. Repayment of housing loan interest upto certain limit is exempt from income tax
  8. Investment in national pension scheme is exempt from tax upto certain amount

How to send a complaint letter to Bank in the case of sudden loss of amount through automated teller machines?


You are reaching one automated teller machine
You insert your debit card and you key in your personal identification number correctly
The machine responds and it advises you to key in your requirements
You are willing to withdraw Rs. 20000/00 from the automated teller machine and you are keying in the details and click the button - enter
The machine starts generating currency notes to be delivered to you.
Alas you are not receiving the amount
You get a message in your mobile phone as if your account has been debited with Rs. 20000.00
You are in great trouble. You are in doubt as to whether you will get back your money

Solution:
Immediately you have to send a complaint letter either in person or through email to your branch stating the reasons and other details.

In case of non dispensing with cash to the customer, there will be entries in the system and the branch will verify the records and refund the amount to you and it may take seven days to ten days.

I provide you a format herebelow and make use of the format and fill up the details and send the letter immediately to your branch:

Format of letter to be sent to the branch:

From:                                                                                                       Place:                      
                                                                                                                                                                                                                                                                Dated:
Name …………………………………………... 
Address ………………………………………..
……………………………............................
………………………………………………….. …
Contact Mobile No:

To:

The Branch Manager,
.................Bank
Address.......................................................

Sir,
Sub: My savings bank account Number:........................................... with you
---------
With reference to my savings bank account number with your branch as mentioned above,  I regret to inform you that I was not delivered cash from the automated teller machine while I attempted to withdraw cash from the machine and I furnish herebelow the details for your information so as to enable you to recredit the amount to my account:
Name of the account holder


Account Number


Debit/credit card number


Name of the bank and branch where the  account is maintained

Date of transaction


Transaction time


Transaction amount
Rs.

Location of automated teller machine

ATM machine pertains to which (Bank/service provider)

Details of complaint
On the date and time  as mentioned above, I attempted to withdraw cash using my debit card and PIN number; however, the machine did not dispense cash; however, I was informed that my account has been debited for the amount as mentioned above.
In view of the circumstances as mentioned above, I request you to kindly arrange to re credit the amount to my account at the earliest.
Yours faithfully


Signature

Enc: 

Tuesday, August 2, 2016

What is meant by the financial system in India?



The financial system in India comprises of the folllowing:
Financial markets
Financial assets
Financial intermediaries

Financial markets:
The financial market can be divided into two categories namely; money market and capital market

The following are the called as the money market instruments:
Call money, notice money, term money, Held till maturity, Yield to maturity, Coupon rate and treasury bills

Similarly, the following are called as the capital market instruments:
Government or gilt edged securities;
Corporate securities namely; shares, debentures, public deposits and loans from various institutions

Financial assets:
The following are termed as financial assets
Bills, treasury bills, promissory notes, hundies or bill of exchanges, certificate of deposits and commercial paper

Financial intermediaries:
Reserve Bank of India, Insurance Regulatory and Development Authority and Securities and Exchange Board of India are termed as the financial intermediaries


Which are called as financial intermediaries in the country?



Various ministries are functioning when it comes to Goverrnment of India; namely; Finance Ministry, Defence ministry, Home ministry etc.,

Finance ministry is headed by a minister for finance and the ministry deals with financial issues relating to the country and under finance ministry, there are several wings and economic affairs wing is one among such wings.

Under Economic affairs wing, there are three major entities called as financial intermediaries and they are as detailed below:

Reserve Bank of India:
Reserve Bank of India is called as the central bank for the country and RBI among all other functions, supervises the functioning of various banks in the country.

Insurance Regulatory and Development Authority:
Insurance Regulatory and Development Authority has been established specially for the purpose of supervising various insurance companies functioning in the country. Apart from overseeing the insurance functions, IRDA is also monitoring pension funds

Securities and Exchange Board of India:
Securities and Exchange Board of India supervises the capital markets functioning in the country. It regulates the entire capital market system and it provides various rules and regulations for the proper functioning of the various players in the capital market. 

What are the different types of capital ?


When it comes to capital, it is the contribution by the owner in his business firm. It is called as the seed capital. It can be brought by the owner by his own sources or through funds mobilised from his friends, relatives and others.

In the case of companies which are incorporated as per Indian Companies act 1956 and for presently, the Indian Companies act, 2013, the capital can be classified as mentioned below:

Authorised capital:
Authorised capital is the capital as earmarked in the memorandum of association of the company for the purpose of mobilisation from the public in due course. This will not find a place in the balance sheet of the company.

Issued capital:
When the company is in need of funds, they are issuing some portion of the authorised capital for the public for subscription. When the shares are issued, the details are informed to the public by means of a prospectus and the prospectus contains the details of shares issued, the amount of each share available for subscription and the minimum subscription to be made by the investor

Subscribed capital:
It is the capital actually subscribed by the public. The issued capital and subscribed capital need not be the same. In the case of lesser subscription, the subscribed portion is found to be less than the issued capital

Paid up capital:
The paid up capital is the capital for which cash has been fully received by the company. Normally when are shares are issued, the investors are provided with option to pay the amount in several instalments namely - application money; allotment money; first call money and final call money etc.,
Sometimes, the entire money is received at the time of issue itself.

The paid up capital alone finds a place in the balance sheet since balance sheet provides the details of financial position of the firm.

Whether expenditure has anything to do with income tax payments?



Question:
I recently got a job opportunity at a private company in Pune where they are offering me a salary of Rs 12 lakhs per annum. I have investments totaling Rs 1 lakh annually. How much income tax would get deducted and would it get deducted on a monthly basis? Someone told me that since I have investments of Rs 1 lakhs, I would have to pay an income tax of 33% on 50,000 Rs, which is Rs.16,500 per month. Is that true? As I would be relocating to Pune from Mumbai, I would have other expenditures like rent and food. So can someone please explain how the income tax calculation would work?

Ans:
Your expenditure has nothing to do with income tax payments.
Income tax is related to your annual income subject to deduction of certain investments which are eligible for tax exemption.
Taking into consideration, that the investment of Rupees one lakh made by you is eligible for income tax rebate, I shall provide the following details
  • Total income - 1200000.00
  • Less investment eligible for tax exemption - 100000.00
  • Balance amount - 1100000.00
  • You are aged less than 60 years and for the first 250000.00 you need not pay income tax
  • Balance amount - 850000.00
  • Out of the above you have to pay income tax at ten percent for 250000.00 = 25000.00
  • The balance amount - 600000.00 and you have to pay 20 percent income tax for an amount of rupees 500000.00 = 100000.00
  • For the remaining amount of 100000.00 you have to pay thirty percent income tax - 30000.00
  • The total income tax payable = 25000 + 100000.00 + 30000 = 155000.00 and for this amount you have to pay educational cess at three percent of income tax = 4650
  • The total tax payable by you including educational cess is Rs. 159650.00 four annual income of rupees 1200000.00