11 Tax-Saving Strategies Indian Middle Class Overlooks (Practical Steps for 2025)

6. Use Lesser-Known Sections: 80DD, 80G and Other Deductions

Beyond the usual 80C and 80D, several sections offer real value but get little attention. Section 80DD covers medical treatment, nursing, and rehabilitation of a dependent with disability and can lead to fixed deductions depending on the disability category. Charitable donations that qualify under Section 80G can be deductible too — but only if the receiving NGO or trust is eligible and provides a proper receipt. The key mistake people make is assuming informal receipts count; always ask for the official, signed receipt with the registration number of the charity and keep it. Make it a habit to verify NGO credentials before donating if you plan to claim deductions. Another tip is to space large donations across years if a particular deduction ceiling would otherwise limit your claim. Little checks like these convert everyday goodwill into eligible tax relief.