Tax on Salary

In India,

New tax Regime (12.75 lakhs no tax):

Old/New tax Regime:

Earning 13–24 lakh/year? You could be paying 20–30% in income tax.
That means 2–4.5 lakh or more goes to taxes every year.

Interest on Debt

Home loan, personal loan, or business loan interest usually ranges from:

Home loan: ~8–9%
Personal loan: ~10–16%
Business loan: varies, but similar range

Interest is paid only on the borrowed amount, and often over several years.

How to use Debt?

The Plan🤫

📊 My Plan in Simple Terms (Applicable for salaried employees):

Take a 10 lakh personal loan at 11% interest
You’ll pay 1,10,000 per year as interest.
Put that 10 lakh into a fixed deposit (FD) at 7% (suggestion 7Lakh FD and 3Lakh in stocks and Mutual funds from Day 1)
You’ll earn 70,000 per year (5,833.33/month).
Take the 5,833.33/month FD interest and invest it into mutual funds/stocks for 1–2 years (Suggestion 3 - 4 years)
The returns will grow enough to offset the 40,000 gap between loan interest and FD return.

"You worked all year and paid 30% tax, I took a loan, paid 0% tax, invested the interest, and walked away with more money." 😂

That’s how you start escaping the matrix. You're not just playing the game—you're learning to bend the rules within the system.

⚠️ Disclaimer

All content shared on this website is for educational and informational purposes only. I am not a certified financial advisor, and nothing here should be taken as professional financial, investment, or legal advice.

Please do your own research or consult with a qualified financial advisor before making any financial decisions. You are fully responsible for how you use the information shared here.

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