About Neha
Neha Iyer writes eircicai’s tax-saving and deduction guides. Her focus is practical: how do you legally pay less tax, which investments actually help, and which “tax-saving tips” are not worth your time. She believes good tax planning is boring on purpose — steady, rule-based, and repeatable every year.
She covers the full 80C basket (now Section 123) — ELSS, PPF, EPF, NSC, tax-saving FDs — plus 80D health insurance, NPS under 80CCD, and the deductions people most often miss. Her comparisons (ELSS vs PPF vs NPS, for example) use the same investment amount across options so readers compare apples to apples, and she spells out lock-in periods and tax-on-exit for each.
Neha’s writing rule: never recommend a product, only explain the tax math. Whether ELSS suits you depends on your risk appetite and lock-in comfort, not on a generic “best investment” claim. She lays out the numbers and lets the reader decide.
She revisits her comparison guides every year, because returns, lock-ins, and tax treatment all move. A comparison written two years ago can quietly mislead, so each of her guides shows when it was last refreshed and which financial year the numbers reflect.
All of Neha’s articles are reviewed by Asuthod Rathod, CA, before they go live.
Expertise
- 80C/Section 123 deductions and eligible investments
- ELSS vs PPF vs NPS comparisons
- 80D health insurance deduction
- NPS tax benefits under 80CCD
- Tax planning basics for salaried individuals
Articles by Neha
Browse all of Neha’s guides in the Tax Saving section. Her most-read guides cover ELSS vs PPF vs NPS with same-amount comparisons, the 80C basket under the new Act, and 80D health insurance deductions.
Note: Author bios on eircicai describe our editorial team. Content is independently written and CA-reviewed; see our Editorial Policy for how we work.