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@article{193387,
        author = {palak vishwakarma and Janhvi chaurasiya and Anjali Dharmendra sah and Faisal khan and devika prajapati and saroj dayashankar jha},
        title = {A Study on Awareness of Tax Saving Instrument Among Salaried Employees},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {10},
        pages = {244-252},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=193387},
        abstract = {Tax planning plays a significant role in the financial management of salaried employees, as it helps in reducing tax liability while encouraging savings and investments. This study examines the awareness, preference, and usage of various tax saving instruments among salaried employees. Common instruments such as Provident Fund (PF), Public Provident Fund (PPF), Life Insurance Policies, Equity Linked Saving Schemes (ELSS), National    
Pension System (NPS), and tax-saving Fixed Deposits under Section 80C of the Income Tax Act are analysed. The study highlights that most salaried employees prefer low-risk and secure investment options, with Provident Fund and Life Insurance being the most popular choices. However, awareness about market-linked instruments like ELSS and NPS remains comparatively lower. The findings suggest that income level, age, risk appetite, and financial literacy significantly influence the choice of tax saving instruments. The study concludes that improving financial awareness can help salaried employees make better tax-saving and investment decisions, leading to long-term financial stability.},
        keywords = {Tax Planning, Tax Saving Instruments, Public Provident Fund (PPF), Equity Linked Saving Schemes (ELSS), National Pension System (NPS), Financial Literacy, Salaried Employees, Income Tax Act, Section 80C.},
        month = {March},
        }