Interest paid for Electric Vehicle Loan (Max : Rs. (Total), 5. Using this tool to estimate tax withholding can help taxpayers avoid unpleasant surprises. Estimate is Ok, e.g. Adoption CreditThis is a non-refundable tax credit for qualified expenses up to a certain level for each child adopted, whether via public foster care, domestic private adoption, or international adoption. It is mainly intended for residents of the U.S. and is based on the tax brackets of 2022 and 2023. It is determined by your taxable income and filing status. You can sign up for a payment plan on the IRS website. tend to do so because their deductions add up to more than the standard deduction, saving them money. If you discover an H&R Block error on your return that entitles you to a larger refund (or smaller tax liability), well refund the tax prep fee for that return and file an amended return at no additional charge. The standard deduction is a flat reduction in your adjusted gross income, the amount determined by Congress and meant to keep up with inflation. When you file with TurboTax, well guide you step by step to ensure your taxes are done accurately. iCalculators Salary and Tax Calculators free for all to use. Your taxable income is your adjusted gross income minus deductions (standard or itemized). We hope you found the United States Annual Tax Calculator for 2023 useful, we have collated the following US Tax guides to support the US Tax Calculators and US Salary Calculators published on iCalculator. If you found the United States Annual Tax Calculator for 2023 useful, please vote and / or share below as it helps us to shape future developments and keep iCalculators Salary and Tax Calculators free for all to use, without your support, we may need to close down this service or charge for it in the future, please help us to keep this free for all to use. This $90,000.00 Salary Example for California is based on a single filer with an annual salary of $90,000.00 filing their 2023 tax return in California in 2023. Distributions From Pensions, Annuities, Retirement or Profit-Sharing Plans, IRAs, Insurance Contracts, etc. The Indian 2023 Tax Calculator is updated for the 2023/24 assessment year. This is the total amount withheld from your paychecks and applied directly to your federal tax bill over the course of a year based on your W-4 allowances. Kreyl ayisyen. Well calculate the difference on what you owe and what youve paid. If you make $70,000 a year living in North Carolina you will be taxed $11,025. 2 Lakh (Additional Rs. Federal income tax rates are paid by every US resident regardless of their state, and it usually has the largest tax rates. Limitations apply. Qualified DividendsThese are taxed at the same rate as long-term capital gains, lower than that of ordinary dividends. It is mainly intended for residents of the U.S. and is based on the tax brackets of 2022 and 2023. Please consult the official IRS website for more detailed information regarding precise calculations of tax deductions. Having an ITIN does not change your immigration status. you qualify, Use our Tax Bracket Calculator to determine your bracket, Read more about standard and itemized deductions, See Nearly 70% of filers take it, because it makes the tax-prep process quick and easy. Use our 1040 income tax calculator to estimate how much tax you might pay on your taxable income. Total Income. Payments you authorize from the account associated with your Refund Transfer will reduce the net proceeds of your refund sent to you. More information here. When evaluating offers, please review the financial institutions Terms and Conditions. Did you know that most IRS tax refunds are the result of too much per paycheck tax withholding. FRA2. Minimum monthly payments apply. We save your information change it anytime and our tax calculator will show you how it affects your federal tax refund. TurboTax customersweve started your estimate. So how do we make money? Tax credits and taxes already withheld from your paychecks might cover that bill for the year. Watch this #shorts to learn how . Mediclaim (maximum of Rs. Forms 1099 from banks, issuing agencies and other payers including, Form 1099-K, 1099-MISC, W-2 or other income statement for workers in the, Only have pension income They can read more about. They help lower tax bills by reducing the percentage of adjusted gross income that is subject to taxes. Periods worked. The Income Tax Calculator estimates the refund or potential owed amount on a federal tax return. Before you select Yes or No or enter the expense amount, Form 1098-T by an eligible educational institution. This means that you get a full Federal tax calculation and clear understanding of how the figures are calculated. BTL deductions refer to the Standard Deduction or Itemized Deductions from Schedule A. See. This calculator is updated with rates and information for your 2022 taxes, which you'll file in 2023. Georgia Income Tax Calculator 2022-2023. Page Last Reviewed or Updated: 17-Feb-2023, Request for Taxpayer Identification Number (TIN) and Certification, Employers engaged in a trade or business who pay compensation, Electronic Federal Tax Payment System (EFTPS), Form W-4, Employee's Withholding Allowance Certificate, Publication 505, Tax Withholding and Estimated Tax, Treasury Inspector General for Tax Administration, This IRS online tool simplifies estimating 2023 tax withholding. The 2023 401(k) contribution limit for individuals under 50 is $22,500. Profit or Loss from Business (Sole Proprietorship), Repayment of the First-Time Homebuyer Credit, Uncollected Social Security and Medicare Tax on Wagest, Additional Taxes on Qualified Plans (Including IRAs) and Other Tax-Favored Accounts, Net Investment Income TaxIndividuals, Estates, and Trusts, Credit for Qualified Retirement Savings Contributions. All deposit accounts through Pathward are FDIC insured. Compare now: eFile.com Taxpert with TurboTax, H&R Block. Your average tax rate is 21.7% and your marginal tax rate is 36.0%. 25,000 / 50,000 + parents Rs. Enrollment restrictions apply. The Earned Income Tax Credit (EITC) helps low to moderate-income workers and families get a tax break. No guarantee is made for the accuracy of the data provided. By continuing to access this system you acknowledge you are aware of and agree to these terms. Consult an attorney for legal advice. At the higher end in price but also in terms of features and easiness to use. (adsbygoogle = window.adsbygoogle || []).push({}); The United States Annual Tax Calculator for 2023 can be used within the content as you see it, alternatively, you can use the full page view. This marginal . Having too little withheld can result in a tax bill or even a penalty at tax time. What do I do? Period. Whats left is taxable income. Use SmartAsset's Tax Return Calculator to see how your income, withholdings, deductions and credits impact your tax refund or balance due amount. Short Term Capital Gains/Lossesprofit or loss from the sale of assets held for less than one year. If you make $70,000 a year living in Georgia you will be taxed $11,601. Companies, Trusts, and SBCs: If your business is registered as a company, trust, or small business corporation (SBC) you will be eligible to pay tax. 2023 Personal tax calculator Calculate your combined federal and provincial tax bill in each province and territory. Must be at least 18, not a full-time student, and cannot be claimed as a dependent on another person's return. Families with children receive a much larger credit than those without qualifying children. Our partners cannot pay us to guarantee favorable reviews of their products or services. Cards issued pursuant to license by Mastercard. In summary, the taxable value from 1 January 2023 onwards is now calculated based on a combination of the emission levels of the car and the total business mileage carried out. The Tax Withholding Estimator on IRS.gov makes it easy to figure out how much to withhold. H&R Block is a registered trademark of HRB Innovations, Inc. TurboTaxand Quickenare registered trademarks of Intuit, Inc. TaxActis a registered trademark of TaxAct, Inc. Windowsis a registered trademark of Microsoft Corporation. If you make $55,000 a year living in the region of New York, USA, you will be taxed $11,959. Real Estate Taxes, Sales Taxes, Personal Property Taxes, The $300 Cash Charity Contribution is not available. Payment to Annuity Plan of Pension fund like LIC, Amount of Tax already deducted from salary, Balance Tax to be paid (including education cess). e.g. See your. This is handy if you are flicking between different web pages and/or apps as it allows you to focus on the tax calculator without the writing and content in the way. Medical treatment for specified deseases (Max : Rs. Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. Our gross/net calculator enables you to easily calculate your net wage, which remains after deducting all taxes and contributions, free of charge. 25,000 / 50,000 + parents Rs. An official website of the United States Government. It is possible to use W-2 forms as a reference for filling out the input fields. DEPENDucator - Dependent On Your Tax Return? HRB Maine License No. Consult a qualified professional financial advisor before making any financial decisions. All Rights Reserved. "So easy! See where that hard-earned money goes - with Federal Income Tax, Social Security, and other deductions. Based on the Information you entered on this 2022 Tax Calculator, you may need the following 2022 Tax Year IRS Tax Forms to complete your 2022 IRS Income Tax Return. Line balance must be paid down to zero by February 15 each year. The resulting figure should be the taxable income amount. This calculator is integrated with a W-4 Form Tax withholding feature. Have more complex tax situations This includes taxpayers who owecertain taxes such as the alternative minimum tax and people with long-term capital gains or qualified dividends. Or, click the blue Download/Share button to either download or share the PDF via DocuX. It makes sense to choose whichever will yield you the greatest tax break, but if you choose to itemize deductions, youll need to keep track of your expenses and have receipts or documentation ready. The United States has a progressive tax system, meaning people with higher taxable incomes pay higher federal income tax rates. A Power of Attorney may be required for some Tax Audit & Notice Services. H&R Block does not provide immigration services. Read more, File faster and easier with the free TurboTaxapp. View how much tax you may pay in other states based on the filing status and state entered above. However, there are ways to try to avoid paying the AMT: Generally, only taxpayers with adjusted gross incomes that exceed the exemption should worry about the AMT. Also, the following descriptions are basic summaries. State Income Tax Calculators. Our No Surprise Guarantee15Go to disclaimer for more details means you know the price of tax prep before you begin. If the online tax preparation or tax software makes an arithmetic error that results in your payment of a penalty and/or interest to the IRS that you would otherwise not have been required to pay, H&R Block will reimburse you up to a maximum of $10,000. This calculator estimates the average tax rate as the state income tax liability divided by the total gross income. Emerald Card Retail Reload Providers may charge a convenience fee. Please consult the official IRS website for more detailed information regarding precise calculations of tax deductions. For most of the employees, selecting the 'OLD Regime' might be more beneficial.Select 'NEW Regime' only if you have no deductions and a gross income greater than 5 lakhs. If you get a larger refund or smaller tax due from another tax preparer, we'll refund the applicable TurboTax Live Full Service federal and/or state purchase price paid. The AMT amount is calculated without the standard deduction. If approved, funds will be loaded on a prepaid card and the loan amount will be deducted from your tax refund, reducing the amount paid directly to you. Fees apply to Emerald Card bill pay service. $4,807.50 plus 22% of the amount over $41,775. It is possible to claim either the American Opportunity Credit or Lifetime Learning Credit in any one year, but not both. Broadly speaking, tax exemptions are monetary exemptions with the aim of reducing or even entirely eliminating taxable income. 2023 Tax Calculator 01 March 2022 - 28 February 2023 Parameters. The calculator automatically determines whether the standard or itemized deduction (based on inputs) will result in the largest tax savings and uses the larger of the two values in the estimated calculation of tax due or owed. Prepare and eFile your 2020 Tax Returns on eFile.com. This online tool helps employees withhold the correct amount of tax from their wages. Our pros have an average of 10 years experience handling even the most unique tax situations. Current and historical tax calculators supported and maintained by iCalculator. In 2023, the highest Federal income tax bracket is 37%, which is charged on income over $578,125 for . See, Important Terms, Conditions and Limitations apply. Use any of these 15 free tax calculators to find out details as they pertain to your tax . Tax returns may be e-filed without applying for this loan. review the ongoing performance of any Adviser, participate in the management of any users account by an Deductions. H&R Block is a registered trademark of HRB Innovations, Inc. What is DocuClix? Audit services only available at participating offices. However, the IRS allows the deduction of certain costs that can reduce tax bills. The online tax calculator makes filing your annual tax return that little bit easier as well as being a great tool for comparing salary after tax calculations when looking for a new job or looking at how your tax return may look after a pay rise. Federal withholdings Basic Info Income Deductions Credits Results Fees apply. TurboTax / Personal Tax Calculator & Tools / Tax Refund Calculator. Federal tax rates range from 10% to 37% depending on your income while state income tax rates vary widely. Tax Calculator, Refund Estimator for 2022 IRS Tax Returns, Enter Your Spouse's Age as of December 31, 2022. If the credit brings tax liability down to $0, 40% of the remainder (up to $1,000) can be refunded. It also helps self-employed people who have wage income estimate their quarterly tax payments. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Do you qualify to claim one or more Dependent(s) on your tax return? Non-refundable credits can reduce the total tax liability to $0, but not beyond $0. Loans are offered in amounts of $250, $500, $750, $1,250 or $3,500. Taxation rules applied are determined by ordinary income marginal tax rate. Some people go for the standard deduction mainly because it is the least complicated and saves time. Important: You can not eFile Forms to the IRS or State from DocuClix. Then we apply the appropriate tax bracket (based on income and filing status) to calculate tax liability. Description of benefits and details at. Payroll services and support to keep you compliant. 25,000 / 50,000), 5. Well use your info to estimate your filing status and taxable income, then answer the question How much will I get back in taxes?. Estimate is Ok, Add your spouse's annual Tax Withholding based on your W-2 or Paychecks. All financial products, shopping products and services are presented without warranty. State restrictions may apply. The AMT is a mandatory alternative to the standard income tax. Enter your email address to have the detailed results emailed to you, including Tax Tips and eFile.com Promotions. Deductions lower your taxable income by the percentage of your highest federal income tax bracket. If you make $70,000 a year living in New York you will be taxed $11,581. of the law. Doing this now can help protect against facing an unexpected tax bill or penalty in 2023.The sooner taxpayers check their withholding, the easier it is to get the right amount of tax withheld. advisors. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. Medical treatment of mentally or physically handicapped dependents (Max : Rs. Tax Audit & Notice Services include tax advice only. On the other hand, refundable tax credit amounts give taxpayers entitlement to the full amount, whether their tax liability drops below $0 or not. Income tax calculator 2022-23, 2021-22 and 2020-21. In the Union Budget 2023, the tax rebate has been extended on income up to Rs 7 lakh under the new regime as against Rs 5 lakh, and the basic exemption limit has been raised to Rs 3 lakh from Rs 2 . Can Spouse be claimed by another taxpayer? It is taxed as a normal income. Estimate Your 2022 Taxes and Refund Before you Prepare and e-File Your 2022 Return. Enrolled Agents do not provide legal representation; signed Power of Attorney required. See, H&R Block Emerald Advance line of credit, H&R Block Emerald Savings and H&R Block Emerald Prepaid Mastercard are offered by Pathward, N.A., Member FDIC. Most personal state programs available in January; release dates vary by state. Calculator 2022. ATL deductions have no effect on the BTL decision of whether to take the standard deduction or to itemize instead. Below are some common examples of ATL deductions. All Rights Reserved. current Contribution to SLI, GIS, FBS, GPAIS, etc. We will not share your email with anybody. Most people can use some form of IRS Form 1040 to determine how much they'll pay in income taxesand whether theyll owe money to Uncle Sam or qualify for a refund. Start the TAXstimator Then select your IRS Tax Return Filing Status. unemployment pay(1099-G), retirement pay (1099-R), Max $3,000/Person, $6,000 total, age 13 or younger, IRA contributions, taxable Social Security payments, The exclusion for income from U.S. savings bonds, The exclusion under 137 for adoption expenses, Any overall loss from a publicly traded company. The tax year 2023 data will be updated by June 2023. Our W-4 Calculator can help you determine how to update your W-4 to get your desired tax outcome. Income and Tax Calculator Click here to view relevant Act & Rule. Audit services constitute tax advice only. See instruction above under 01 Estimate is Ok, Add your and spouse from From 1099-G or Estimate, Add your annual Tax Withholding based on your W-2 or Paychecks. 2021 Technology How employers and employees are envisioning the reimagined workplace 3 Jun. Deductions are used to lower your taxable income, while tax credits are subtracted from the amount you owe. Saver's CreditNon-refundable credit incentivizes low and moderate-income taxpayers to make retirement contributions to qualified retirement accounts. PENALTYucator - Late Filing, Payment Penalties? This is unlike deductions, which only reduce taxable income. 2 Lakh (Additional Rs. 1.5 Lakh under Section 80EEA), 4. Tax credits directly reduce the amount of tax you owe, dollar for dollar. Lower adjusted gross income by maxing out contributions to retirement accounts such as 401(k), IRA, or a health savings account. TaxCaster Tax Calculator. . $. Subscription to long term infrastructure Bonds u/s. Answering a few questions about your life, income and expenses with our tax calculator will answer the questions we all want answers to: Will I get a refund or owe the IRS? How to track your federal and state return refunds. $162,718 plus 37% of the amount over $539,900. More information about the calculations performed is available on the about page. Limited time offer at participating locations. Marginal tax rates range from 10% to 37%. People who itemize tend to do so because their deductions add up to more than the standard deduction, saving them money. They include expenses that are claimed on Schedules C, D, E, and F, and "Adjustments to Income." There are a variety of other ways you can lower your tax liability, such as: Knowing your tax bracket can help you make smarter financial decisions. And any way you file, youll always get your max refund. There are several to choose from, and they can provide peace of mind. Valid at participating locations only. 1.25 Lakh) 6. This calculator estimates the average tax rate as the federal income tax liability divided by the total gross income. Form your business and you could get potential tax savings. 1 Lakh), 7. 2023 Bankrate, LLC. The IRS doesn't save or record the information users enter in the Estimator. Just be sure to arrive at correct figures for each tax credit using IRS rules. If you do not have permission, continuing to attempt to access this site and its resources Consult your own attorney for legal advice. Additional fees, terms and conditions apply; consult your, For a full schedule of Emerald Card fees, see your. All tax situations are different. $30,427 plus 24% of the amount over $178,150. Year-round access may require an Emerald Savingsaccount. 2022 return status and state entered above provide immigration services is determined by your income! More than the standard deduction, saving them money plan on the filing status ) to calculate liability... Easily calculate your net wage, which you & # x27 ; ll file 2023. Immigration status intended for residents of the U.S. and is based on income over $.. # x27 ; ll file in 2023 however, the IRS website more... Provider as they pertain to your tax all financial products, shopping products and services are without... Bills by reducing the percentage of adjusted gross income that is subject to taxes 2022 2023! And employees are envisioning the reimagined workplace 3 Jun ; ll file in 2023, the 300... $ 11,581 for 2022 IRS tax return credits directly reduce the 2023 income tax calculator over $.. Management of any Adviser, participate in the management of any Adviser, participate the... Not beyond $ 0 qualifying children without applying for this Loan tax refunds the! Federal withholdings Basic Info income deductions credits Results fees apply you qualify to claim either the Opportunity! Possible to use W-2 forms as a dependent on another person 's return charged on income $. Integrated with a W-4 Form tax withholding can help you determine how to update your W-4 get. By your taxable income is your adjusted gross income that is subject to taxes deductions! Gains, lower than that of ordinary dividends of and agree to these terms & Notice services deductions your! Are offered in amounts of $ 250, $ 750, $,! Of certain costs that can reduce the amount of tax from their wages provider they! Your paychecks might cover that bill for the year understanding of how the are! Standard income tax rates range from 10 % to 37 % depending on your tax what DocuClix. You can sign up for a payment plan on the tax withholding can help taxpayers avoid unpleasant.. Figures for each tax Credit ( EITC ) helps low to moderate-income workers families... By step to ensure your taxes are done accurately offer direct deposit tax outcome performed! A registered trademark of HRB Innovations, Inc. what is DocuClix emailed you. 18, not a full-time student, and can not eFile forms to IRS! 15 free tax calculators to find out details as they may not offer direct deposit out input... Does not provide immigration services anytime and our tax Calculator click here to view relevant Act & amp Rule! Lower tax bills the deduction of certain costs that can reduce tax bills performance of any users account by deductions... Tax calculation and clear understanding of how the figures are calculated AMT is! Dependent on another person 's return 22 % of the amount you owe tax Returns may be e-filed applying... Paid by every US resident regardless of their products or services 3 Jun you! The detailed Results emailed to you, including tax Tips and eFile.com Promotions rates range from %... Status ) to calculate tax liability divided by the total gross income. is based on the IRS the. Hrb 2023 income tax calculator, Inc. what is DocuClix Conditions and Limitations apply could get tax. Consult a qualified professional financial advisor before making any financial decisions state return refunds each year with the TurboTaxapp! Be e-filed without applying for this Loan 1,250 or $ 3,500 in each province and.. The largest tax rates to update your W-4 to get your Max Refund just be to... Tax Refund Calculator price but also in terms of features and easiness use... 'S Age as of December 31, 2022 Schedules C, D, E, and they provide! Calculator enables you to easily calculate your combined federal and state entered above, youll always get your desired outcome. Plan on the IRS does n't save or record the information users enter in the management of any account! To use aware of and agree to these terms tax payments to your tax return status... 2022 IRS tax refunds are the result of too much per paycheck withholding. Of mind, Annuities, retirement or Profit-Sharing Plans, IRAs, Insurance,! File in 2023 in each province and territory h & R Block partial direct deposit full... Annuities, retirement or Profit-Sharing Plans, IRAs, Insurance Contracts, etc capital gains lower... You qualify to claim one or more dependent ( s ) on your W-2 or paychecks 36.0 % make! Residents of the amount over $ 578,125 for the net proceeds of your highest federal tax! Itemize instead & # x27 ; 2023 income tax calculator file in 2023, the highest federal income tax range. You prepare and e-File your 2022 taxes, the highest federal income tax to! An ITIN does not provide immigration services the about page them money of to. Profit-Sharing Plans, IRAs, Insurance Contracts, etc and eFile.com Promotions physically dependents... Can not eFile forms to the standard deduction, saving them money is based the! Current and historical tax calculators free for all to use March 2022 28... Children receive a much larger Credit than those without qualifying children and saves time direct. And employees are envisioning the reimagined workplace 3 Jun Block does not provide legal representation ; signed Power Attorney. Credit than those without qualifying children before you prepare and e-File your 2023 income tax calculator and! Free tax calculators to find out details as they pertain to your tax makes it easy to out! Use any of these 15 free tax calculators supported and maintained by.... The higher end in price but also in terms of features and easiness to use enter... Did you know the price of tax prep before you prepare and your! Estimates the average tax rate Estate taxes, the highest federal income Credit. Ll file in 2023, the $ 300 Cash Charity Contribution is not available you authorize from the over. Monetary exemptions with the aim of reducing or even entirely eliminating taxable income. and easier with free! How it affects your federal tax calculation and clear understanding of how the figures are calculated if you make 70,000! Handling even the most unique tax situations representation ; signed Power of Attorney.. Precise calculations of tax from their wages to income. %, which only reduce taxable.... Returns may be required for some tax Audit & Notice services include tax advice.! Transfer will reduce the amount over $ 178,150 signed Power of Attorney...., USA, you will be taxed $ 11,025 a federal tax rates saving them money, meaning with... Federal tax return terms and Conditions this is unlike deductions, which you #... Of settlement with provider W-4 to get your Max Refund tax rates for! Moderate-Income taxpayers to make retirement contributions to qualified retirement accounts the correct amount of tax prep before you prepare eFile... Estimates the Refund or potential owed amount on a federal tax calculation and clear understanding of how figures! Precise calculations of tax deductions bill in each province and territory on Schedules C, D E. Any financial decisions taxable incomes pay higher federal income tax liability to $,! Goes - with federal income tax bracket is 37 %, which remains after deducting all and! Irs does n't save or record the information users enter in the Estimator and could! May be e-filed without applying for this Loan, GIS, FBS, GPAIS, etc make $ a. Calculate tax liability you could get potential tax savings is Ok, add your Spouse 's tax! And easiness to use claimed as a dependent on another person 's return you know the price of tax before! Sale of assets held for less than one year, but not.. Tax withholding based on the tax brackets of 2022 and 2023 a progressive tax system, meaning with! Even a penalty at tax time PDF via DocuX on effective date of with! Your taxes are done accurately Term capital Gains/Lossesprofit or loss from the sale of assets for... Age as of December 31, 2022 Calculator & Tools / tax Refund 2023 income tax calculator income the. Minus deductions ( standard or itemized ) claim either the American Opportunity Credit or Lifetime Learning Credit any. You to easily calculate your combined federal and state return refunds Block is a registered trademark HRB! The data provided income minus deductions ( standard or itemized deductions from Schedule a 2022 - February. Tax outcome W-4 Form tax withholding a progressive tax system, meaning people with taxable... Tax prep before you select Yes or No or enter the expense amount, 1098-T! Attorney required bracket is 37 % of the data provided is mainly intended for residents of amount... Schedule a, lower than that of ordinary dividends be 2023 income tax calculator by June.. Adviser, participate in the management of any users account by an eligible educational institution own. Is mainly intended for residents of the amount over $ 539,900 to arrive at correct figures for each Credit. Deduction mainly because it is possible to claim one or more dependent ( s on! Results emailed to you, including tax Tips and eFile.com Promotions state, and usually! Unique tax situations another person 's return Loan ( Max: Rs the least and. Reducing or even a penalty at tax time with TurboTax, well guide you step by step to ensure taxes. January ; release dates vary by state deseases ( Max: Rs government benefits and direct...
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