> ## Documentation Index > Fetch the complete documentation index at: https://help.omnivoo.com/llms.txt > Use this file to discover all available pages before exploring further. > ## Agent Instructions > Omnivoo is an India-first Employer of Record (EOR) platform. EOR hiring is India only; contractors are supported in 220+ countries and territories. > Never tell a user to log in with a password. Authentication is passwordless: email OTP, passkeys, Google, or SSO. > Statutory figures (TDS slabs, PF, ESI, Professional Tax, gratuity) change by financial year. Always state the year the figure applies to. > Never name a third-party payment provider as Omnivoo’s payment rail. Refer to "our payments partner". # Investment Declarations > Reference for the tax-saving deductions you can declare on Omnivoo to reduce TDS - 80C, 80D, HRA, 80E, 80G, 80CCD, and more, with limits and regime rules. An **investment declaration** tells your employer how much you plan to invest and spend on tax-saving items, so your monthly TDS is computed on your reduced taxable income. This page is a reference for **what each deduction means and its limit**. For the step-by-step of where to fill it in, save a draft, submit, and upload proofs, see [Investment Declarations (employee guide)](/employee-self-service/investment-declarations). Most deductions only apply under the **Old Tax Regime**. If you are on the **New Tax Regime** (the default), most of these inputs do not reduce your TDS, though a few specific reliefs (such as the 80CCD(2) employer NPS contribution) still apply. The ₹75,000 standard deduction and the Section 87A rebate apply automatically. See [TDS & Income Tax](/tax-compliance/tds-income-tax) for regime details. ## How statutory caps work Each deduction has a statutory limit. If you declare more than the limit, Omnivoo automatically clamps the amount to the cap and shows you a notice listing every field it adjusted, so your declaration always stays within the law. ## Section 80C (cap ₹1,50,000) The most-used section. Eligible items: | Investment | Details | | ----------------------- | ----------------------------------------- | | **EPF (Employee PF)** | Your 12% PF contribution | | **PPF** | Public Provident Fund | | **ELSS** | Equity Linked Savings Scheme mutual funds | | **Life Insurance** | Premium paid on life insurance policies | | **NSC** | National Savings Certificate | | **Tuition fees** | School/college tuition | | **Home loan principal** | Principal repayment on a housing loan | The employee NPS contribution under **80CCD(1)** also counts inside this ₹1,50,000 cap. ## Section 80D (Health Insurance) | Category | Maximum Deduction | | ----------------------------------- | -------------------------------------- | | Self + family premium | ₹25,000 | | Self + family (senior citizen, 60+) | ₹50,000 | | Parents' premium (below 60) | ₹25,000 | | Parents' premium (60+) | ₹50,000 | | Preventive health checkup | ₹5,000 (within the self/family bucket) | The preventive-checkup amount sits inside the self/family cap rather than on top of it. ## HRA Exemption (Section 10(13A)) If you pay rent and receive HRA, you can claim an exemption. The exempt amount is the **least of:** 1. Actual HRA received 2. Rent paid minus 10% of (Basic + DA) 3. 50% of (Basic + DA) for a metro city, or 40% for non-metro When you declare rent, Omnivoo computes your **annual rent** as your monthly rent multiplied by the number of months between the rent-period **start** and **end** dates (clamped to a range of 0 to 12). If you leave the rent-period dates blank, it defaults to a full 12 months. The **landlord's name and address** are always required once your monthly rent is above zero. The landlord's **PAN** becomes mandatory when the computed annual rent exceeds ₹1,00,000. ## Section 80CCD (NPS - National Pension System) | Sub-section | What it covers | Limit | | ------------- | --------------------------- | ----------------------------------- | | **80CCD(1)** | Your own NPS contribution | Counts inside the ₹1,50,000 80C cap | | **80CCD(1B)** | Additional NPS contribution | ₹50,000, over and above the 80C cap | | **80CCD(2)** | Employer's NPS contribution | Auto-populated from your payroll | ## Section 24 (Home Loan Interest) * Deduction on interest paid for a self-occupied property. * Maximum: ₹2,00,000 per financial year. * You declare the lender name, address, and PAN. ## Section 80E (Education Loan Interest) * Interest paid on an education loan for self, spouse, or children. * **No upper limit** on the deduction amount. * The **lender type** dropdown offers three choices: **Bank**, **Approved financial institution**, and **Charitable institution**. Only a bank or an approved financial institution qualifies. If you select **Charitable institution**, Omnivoo shows a warning that the deduction may be disallowed. ## Section 80G (Donations) * Donations to eligible funds and institutions. * The deductible portion depends on the donee **category**. The form offers four choices: **50% (no qualifying limit)**, **100% (no qualifying limit)**, **50% (with qualifying limit)**, and **100% (with qualifying limit)**. * The **payment mode** options are **Cash**, **Cheque**, **Online**, and **Other**. * **Cash donations over ₹2,000 are not eligible** (Section 80G(5D)). Use cheque, online, or other non-cash modes for larger donations. * You declare the donee name, PAN, address, amount, payment mode, and category. ## Other deduction sections | Section | Covers | Cap | | --------- | -------------------------------------- | --------------------------------------- | | **80EE** | Interest on a first home loan | ₹50,000 | | **80EEA** | Interest on an affordable-housing loan | ₹1,50,000 | | **80EEB** | Interest on an electric-vehicle loan | ₹1,50,000 | | **80GG** | Rent paid when you receive no HRA | ₹60,000 | | **80DD** | Maintenance of a disabled dependant | Statutory | | **80DDB** | Treatment of specified diseases | Statutory | | **80U** | Self disability | Statutory | | **80TTA** | Savings-account interest | ₹10,000 (mutually exclusive with 80TTB) | | **80TTB** | Interest income for senior citizens | ₹50,000 (mutually exclusive with 80TTA) | You can also report **other income**, a **self-occupied house property loss** (capped at ₹2,00,000), and **previous-employer** salary and TDS (Form 12B) on the same declaration. ## Impact on Your Take-Home Pay On the Old Regime, declaring eligible deductions reduces your projected taxable income, which lowers your monthly TDS and increases your take-home pay. Declare as early in the financial year as you can to benefit from lower TDS from the first month. To actually fill in and submit your declaration (including draft, submit, and proof uploads), see the [Investment Declarations employee guide](/employee-self-service/investment-declarations).