Hate to be pedant but I ran the numbers and found that your explanation of how to calculate savings rate is a teeny bit off the mark I’ve gone through it all in detail here: http://thefirestarter.co.uk/calculating-savings-rate/ But if you want the short version, basically you need ...
If you have received any portion of your salary in arrears or in advance, or you have received family pension in arrears, you can avail some tax relief under section 89(1) read along with Rule 21A. Calculate Relief under Section 89(1) Before you file form 10E to get tax relief, you ...