Hemp seeds are derived from a plant of the Cannabis genus, which also includes another plant called marijuana. However, hemp is different from marijuana, as hemp has a lower content of a cannabinoid called tetrahydrocannabinol (THC), which is known to have psychoactive effects and causes euphoria, dizziness, and heightened sensory perception. On the other hand, hemp seeds have more health-promoting properties and are full of essential fats, nutrients, and minerals. The hemp plant is actually a flowering plant that blooms as an inflorescence and is non-psychoactive. Hemp is rich in cannabidiol (CBD), which has extensive medicinal properties, including anti-cancer, anti-inflammatory, cardio-protective effects, and many more.

What are the Health Benefits of Hemp Seeds?

Here are the following health benefits of hemp seeds:

1. Cardio (heart) protective role – Studies have shown that hemp seeds can cause the blood vessels to dilate and relax, reducing the pressure on the arteries/blood vessels and reducing the chances of heart attack.
2. Prevent atherosclerosis – Hemps seeds also show cardio-protective effects by preventing fat/cholesterol deposition in the arteries. Regular hemp seed consumption reduces cholesterol levels and prevents its deposition on arteries.
3. Cancer protective role –Hemp seeds contain polyunsaturated fatty acids (PUFA), which are known to have an anti-cancer effect. They also possess other bioactive compounds that can reduce the formation of free radicals inside cells, thereby preventing further damage and protecting cells from becoming cancerous.
4. Good for skin – They are rich in polyunsaturated fatty acids, particularly omega-3 and omega-6 fats, which are good for protecting from skin disorders.
5. Highly nutritious – Hemp seeds are an excellent source of nutrition, offering all the essential fats in the right proportion, proteins, vitamins, minerals, and fibres. They are also a good source of plant-based protein. These properties aid in digestion.
6. Useful for ageing-related brain diseases – These seeds are known to reduce an enzyme called acetylcholinesterase, whose increased activity with ageing might cause cognitive decline and certain brain disorders.
7. Useful for reducing menopause symptoms – Hemp seeds might help manage ovarian hormone deficiencies.

Updated on 14 Dec 2025

Fenugreek, also known as methi in India, is a common herb and spice used in various Indian cooking. Apart from being used in multiple dishes, the herb also offers numerous health benefits. From enhancing digestion to regulating blood sugar levels, fenugreek leaves and seeds are rich in numerous nutrients. When you drink water made from soaked fenugreek or add it to your meals, it can naturally support your health.

Now, let’s understand what exactly this herb is, its health benefits, nutritional facts, and more!

What is fenugreek?

Fenugreek is a type of plant whose leaves and seeds are used in numerous Indian dishes. Its seeds are small and have a brownish-yellow shade with a slightly bitter taste. Furthermore, its leaves are used as a green vegetable. The seeds, on the other hand, are used in countless health supplements, herbal remedies and also as a spice.

What are the health benefits of fenugreek?

Here are the key health benefits of fenugreek:

1. Anti-diabetic properties – The hypoglycaemic effect, or the regulation of blood sugar levels by fenugreek consumption, is well-documented. Fenugreek seeds and leaves contain dietary fibres, specific plant gums, and carbohydrates like galactomannan, which together help control blood sugar levels.
2. Hypocholesterolemic properties – Fenugreek also exhibits cholesterol-lowering properties, making it beneficial for heart health. Studies have shown the effect of fenugreek seeds on lowering triglycerides and total cholesterol while increasing HDL cholesterol. It is also known to lower blood pressure.
3. Antioxidant properties – The specific bioactive compounds found in fenugreek give it antioxidant properties that help to scavenge the free radicals produced inside the body and reduce inflammation, diseases and ageing effects.
4. Anti-cancer properties – Several experimental studies have demonstrated the anti-cancer effect of fenugreek seeds. It has been shown that a diet rich in fenugreek reduces the risk of colon cancer.
5. Antibacterial and antifungal properties – Fenugreek is documented to have antibacterial and antifungal effects through the various biologically active compounds present in it.
6. Pro-digestive properties – Fenugreek aids digestion by influencing the pancreatic enzymes produced for digesting food. It is also rich in non-starchy carbohydrates and fibres that aid in good digestion, smooth bowel movements, and relief from constipation.
7. Galactagogue/lactation aid – Fenugreek is known to have a galactagogue effect; its consumption may increase breast milk production. This is thought to be due to its effect on milk-producing hormones like prolactin and oxytocin secretion.

Fenugreek nutrition facts

A tablespoon of fenugreek seeds contains the following:

• Vitamin B6, Copper and Manganese: Available in smaller but important amounts.
• Fibre: Roughly 3 grams.
• Magnesium: 5% of the regular requirement.
• Calories: Around 35.
• Iron: 20% of the regular requirement.
• Protein: 3 grams.

What happens if we drink soaked fenugreek water daily?

Drinking soaked fenugreek water regularly and on an empty stomach can lead to the following:

• Improves hair growth and skin glow.
• Cleanses the body and enhances digestion.
• Helps with weight management.
• Lowers joint pain and inflammation
• Lowers cholesterol level and controls diabetes

Apart from its advantages, it’s crucial to take this herb in moderation. It’s because too much of it can lead to an upset stomach. However, if you do end up experiencing any health issues, medical insurance can help cover all the expenses, including hospitalisation, treatment and medication. 

Conclusion

Fenugreek, also known as methi, is a powerful natural remedy that supports overall health. When you consume soaked water, leaves or seeds, it improves your immunity, digestion and even provides relief from chronic health issues like diabetes. Although including fenugreek in your diet is a great way to maintain good health, it's also crucial to protect your financial well-being during emergencies or illnesses. For that, you can take up personalised advice and solutions on health insurance for parents and other policies by filling out the form listed on this page.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Updated on 14 Dec 2025

Healthy food is often associated with costly ingredients or complex diets, yet some of the most beneficial options are simple and widely available. Radish, or “mooli” as it is called in many Indian homes, is one such vegetable. Crunchy, refreshing and easy to incorporate into daily meals, radishes are more than just a salad ingredient.

What is a radish?

Radish is a root vegetable that is crunchy, juicy and slightly spicy in taste. It is commonly eaten in salads, pickles or cooked as part of different dishes.

Radish comes in different colours and shapes. Some are round and red, while others are long and white. Both the root and the green leaves of radish are edible and full of nutrients.

Radish grows easily in Indian soil and is available in markets throughout the year. It is affordable, refreshing and often enjoyed during winter when its flavour is at its best.

What are the health benefits of a radish?

Here are some of the top benefits of radish that can promote overall health-

1. Cancer Prevention:

Glucosinolates, present in radishes, are substances known to protect cells against genetic alterations that might result in cancer.

These substances provide a barrier against some forms of cancer by helping to destroy potentially malignant cells.

2. Digestive Support:

Radishes include a significant 1.9g of fibre per 116g serving, which makes them very beneficial for digestion.

Their high fibre content promotes digestive health and helps avoid constipation.

Research has demonstrated beneficial effects for stomach ulcers, suggesting their potential to support gastrointestinal health.

3. Fungal Defence:

Radishes have an antifungal substance that works well against Candida bacteria and helps shield against typical fungal infections.

A balanced and healthy microbial ecosystem is preserved in part by this natural defence mechanism.

4. Diabetes Control:

Packed with anti-diabetic qualities, radishes help to keep blood sugar levels under control.

They help lower the type 2 diabetes by increasing glucose absorption and insulin responsiveness. Frequent eating could help improve blood sugar control.

5. Skin Improvement:

Vitamin C, which is plentiful in radishes, is essential for protecting the skin from UV rays, boosting skin suppleness and scavenging free radicals.

These characteristics help the skin seem younger and healthier.

6. Hydration:

Radishes lead the way in contributing to hydration, with a high water content of 93.5g per 100g.

Maintaining enough hydration is crucial for several body processes, such as temperature control, circulation and digestion.

7. Support for Heart Health:

Anthocyanins in radish reduce the risk of cardiovascular illnesses, which supports heart health.

Nutritional value of radish

Radishes may seem simple, but they are packed with essential nutrients. Half a cup of radish contains:

What happens if I eat radishes daily?

Eating radishes daily, in moderate amounts, is generally safe and healthy. Since they are low in calories and rich in nutrients, they can be part of your daily meals.

Eating radishes every day can result in:

• Better digestion and less bloating.
• Fresher, clearer skin because of the water and vitamin C.
• More energy and lightness, as radish is easy to digest.
• Support in weight control, as it keeps you full without adding many calories.

However, consuming too much radish at one time may occasionally cause gas or a slight burning sensation in the stomach for some people. It is best to balance it with other vegetables and foods. Along with simple steps like this, you must think about long-term care for your family. For that, you can consider reliable health insurance for parents to ensure they stay protected at every stage of life.

Conclusion

Radish is a refreshing and affordable vegetable filled with nutrients that support digestion, skin health, immunity, and overall wellness. Whether you eat it raw, cooked or in the form of pickles, radish can bring both taste and health benefits to your plate. Adding radish to your meals daily in small amounts is a simple way to take better care of your body.

Just as eating healthy food like radish protects your body, having the right health insurance plan protects you during unexpected medical needs. Take a step towards protecting your health and your family’s future today. Simply fill out the form on this page to get personalised health insurance advice.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Updated on 13 Dec 2025

Tamarind, also known as imli in many Indian homes, is a fruit that most of us have tasted at some point. Its sweet and sour flavour makes it a common ingredient in chutneys, curries, pickles, and even cool summer drinks.

But tamarind is not just about taste. It also offers many health benefits that have been valued in traditional practices for years. Let’s explore the nutritional value of tamarind and the potential benefits of eating it daily.

What are the health benefits of a tamarind?

The following are some of the benefits of tamarind-

1. Wellness of tissues

As essential protein building blocks for our body, amino acids are essential for tissue development and repair. Tryptophan is absent from tamarind, which is rich in essential amino acids that are vital for health, yet it satisfies WHO requirements as an excellent source of other amino acids.

2. Reducing Cancer Risk

Taking steps to prevent the damaging effects of free radicals on DNA is one way to lower the risk of cancer. A possible remedy in this regard is the tamarind, which is rich in several phytochemicals and antioxidants like beta-carotene. Tamarind contains antioxidants that protect cells from free radical damage, which may otherwise lead to the development of cancer. Tamarind may help reduce the risk of cancer by protecting the integrity of cell DNA, according to the presence of these components.

3. Health of the brain

Being water-soluble and important for overall wellness, B vitamins are critical for the functioning of the brain and neurological system. Tamarind helps these systems because it is high in B vitamins like folate and thiamine. It can supply some of the B12 required for good brain health, but other sources of these vitamins are also necessary for proper brain function.

4. Health of the bones

Individuals with adequate intake of magnesium have higher bone density than those with insufficient amounts. Many people do not consume enough magnesium, particularly teenagers and those over 70. Magnesium is abundant in tamarinds. It has a higher calcium content than a lot of plant-based diets. These two minerals, combined with weight-bearing exercise, may help prevent bone fractures and osteoporosis. For the body to utilise calcium, vitamin D is necessary. You will need to obtain your vitamin D from other sources because almonds are not a very good source of it.

For people with existing health concerns or those covered under a health insurance policy, including tamarind in the diet can support better digestion, heart health, and immunity. Its natural nutrients may complement a healthy lifestyle alongside proper medical care.

Nutritional value of tamarind

Tamarind is packed with important nutrients. It has vitamins, minerals, and plant compounds that support overall health.

Here are some of its key nutrients and their amount in a half cup serving:

Because of this mix of nutrients, tamarind is considered not just a flavour enhancer, but also a natural health booster.

What happens if we eat tamarind daily?

Eating tamarind in small amounts every day can be good for your health. It keeps digestion smooth, supports heart health, and gives your body many essential nutrients. Many people use tamarind water or chutney daily in their meals without any problem.

However, too much tamarind can have some side effects. It is naturally sour and acidic, so eating too much might harm your teeth or cause acidity in some people. Tamarind also has natural sugars, so if you are watching your sugar intake, keep the portions small. A little every day is healthy, but excess can be harmful.

For older adults, especially those considering senior citizen health insurance, maintaining a balanced diet is important. Tamarind can be a good addition in moderation as it supports heart and digestive health, both of which are key concerns for seniors.

Conclusion

Tamarind is a wonderful fruit that combines taste with health. It is full of vitamins, minerals, fibre, and antioxidants, which support digestion, heart health, immunity, and skin care. Tamarind adds both flavour and nutrition to food. Eating it daily in moderate amounts can be very beneficial, but one should avoid overuse to prevent stomach or dental issues.

Staying healthy starts with good food choices like tamarind, but it’s also important to be prepared for unexpected medical costs. Get simple and personalised health insurance guidance by filling out the form on this page so you and your family are protected when it matters most.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Brown rice has been valued for generations since it has not changed and still retains the nutrient-rich hull that white rice does not. This ancient whole grain is beloved in many cultures and has a rich nutritional history. Rich in fibre, antioxidants, vitamins, and minerals, brown rice is a nutritional foundation that supports overall well-being and energy. Making brown rice an essential component in your diet might affect your long-term health. Encouraging the health benefits of brown rice may reduce the need for medical attention.

What are the Health Benefits of brown rice?

Brown rice may lack the flavour of white rice. However, brown rice's nutritional advantages may encourage you to change your diet gradually. Following are some of the significant health benefits of brown rice-

1. Promotes weight loss

Rich in dietary fibre, brown rice is essential for managing weight because it increases satiety and prolongs feelings of fullness. This characteristic helps those who are trying to lose weight since it makes them feel full for longer. Studies suggest that switching from white to brown rice may lower the amount of fat around the abdomen, which is correlated with lower body weight. This dietary substitution works well, demonstrating a possible connection between choosing brown rice and reaching a healthy body weight, so it is a good option for people trying to lose weight and make better dietary choices.

2. Controls Blood Sugar Level:

Brown rice helps to control blood sugar levels naturally because of its low glycemic index. With three daily meals, the risk of type 2 diabetes can be lowered by up to 32% due to its slow digestion, which reduces blood sugar increases. Brown rice, being high in fibre, phytic acid, and essential polyphenols, helps to slow down the release of sugar, which is good for your health overall.

3. Digestion Aid:

The high fibre content of brown rice helps regulate intestinal motions and promote regular bowel function, optimising the digestive system. It effectively improves digestive health by treating conditions like constipation and colitis.

4. Regulates Blood Cholesterol:

Brown rice has low cholesterol and oil that significantly lowers low-density lipoprotein cholesterol. Its fibre efficiently manages cholesterol levels by actively binding to cholesterol in the digestive tract and easing its removal.

5. Reduces the risk of neurodegenerative disorders:

The health of your brain is greatly enhanced by brown rice! It reduces the chance of neurodegenerative diseases and cognitive problems. It lowers dangerous cholesterol, which is connected to these illnesses, and is high in fibre.

Updated on 14 Dec 2025

Moringa, moringa oleifera or drumstick tree is a plant that is well-known for its medicinal value and rich nutrients. Its flowers, pods, seeds and even the leaves are extremely beneficial.

Moringa contains minerals, antioxidants and vitamins that improve health. Let’s learn more about this plant, its advantages, various uses in day-to-day lives, etc.

What is moringa?

Moringa is renowned for its rapid growth. It’s not just found in India but also across various nations. Its long, seed-based pods, which are called drumsticks, are normally used in different Indian curries. Its leaves are mostly used in supplements, teas and powders.

What are the health benefits of moringa?

Moringa oleifera’s different parts, like roots, leaves and oil, have therapeutic properties that can boost health. Here are the main health benefits of Moringa.

Nourishes Hair and Skin

Moringa is a powerful herb for skin and hair. Packed with vitamin A, it hydrates dry skin, minimises breakouts and revitalises the complexion. Its iron concentration increases the oxygenation of the scalp, promoting hair growth. Moringa's antioxidants fight free radical damage for healthier hair, while its essential nutrients—zinc and amino acids—revive hair follicles and repair damage.

Treats Edema

With its anti-inflammatory qualities, the bioactive chemicals in Moringa are thought to help reduce edema and fluid retention, which causes swelling of certain tissues. While its inherent diuretic function is thought to be the reason behind this benefit, further research is still necessary to understand this process.

Protects Liver

Moringa is known to have the ability to protect the liver. Its high concentration of polyphenols, alongside cancer prevention agents like quercetin and chlorogenic acid, may assist with boosting the health of the liver.

Cancer Prevention and Treatment

Moringa contains compounds like niazimicin and kaempferol, which have demonstrated anti-cancer activity in laboratory studies. These compounds appear to inhibit the growth of cancer cells and promote apoptosis (programmed cell death).

Fights Foodborne Bacterial Infections

According to research, certain chemicals found in Moringa have antibacterial properties against various pathogens that cause infections, like some species of Pseudomonas and Klebsiella.

Treats Upset Stomach

Because of its natural ability to soothe digestive discomfort, Moringa is a great choice for supporting gastrointestinal well-being and treating common stomach problems.

Nutritional value of moringa

The leaves of this particular plant are highly nutritious. A small amount of it provides the following:

• Protein: A great source of plant-based protein.
• Vitamin C: 7 times higher than in oranges.
• Potassium: Moringa’s potassium level is higher than in bananas.
• Calcium: 4 times higher than milk.
• Iron: 3 times more than spinach.

Uses of Moringa

This particular plant is used in India for countless reasons. Here are some of its primary uses:

• Powder: Its powdered form is added to teas or smoothies to acquire daily nutrition.
• Cooking: Mostly used in chutneys, soups, curries and dals.
• Cosmetics: Moringa is used in creams and oils for keeping the hair and skin healthy.
• Medicinal: It’s used in Ayurveda for treating infections, inflammation and weakness.

Although consuming Moringa by adding it to your daily diet can improve your health, it’s advised that you take it in moderation. If you ever experience any unwanted health issues from consuming too much of this plant, a health insurance policy can assist in covering all medical expenses. Having a good policy not only alleviates the monetary burden but also offers peace of mind. 

Conclusion

Moringa is a superfood that improves digestion, immunity, energy and overall well-being. When you incorporate moringa leaves, powder, or pods into your diet, you will notice an improvement in your health.

As you look after your health, allow us to take care of you financially when you experience any health-related challenges. You can get instant and customised solutions and advice on a health insurance policy for family by filling out the form listed on this page today.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Updated on 10 Dec 2025

Figs, also known as ‘anjeer’ in India, are one of the oldest cultivated fruits, loved for their soft, sweet taste and rich nutrition. Figs can be consumed dried or fresh, and at times, they’re also used in snacks and desserts. They don’t just taste delicious, but they also offer plenty of health advantages. From enhancing heart health to digestion, figs are a great way to keep the body active and strong.

What are the health benefits of figs?

Listed below are the main benefits of figs:

1.     Rich in antioxidants

Figs are a great source of antioxidants and have anti-inflammatory properties. These antioxidants, such as phenolic acids and flavonoids, can help restrict the damage caused by free radicals in the body, helping to prevent premature ageing and promote overall health.

2.     Help reduce cancer risk

A study has suggested that certain compounds in figs might hinder cancer cell growth. However, more human-focused research has yet to confirm this.

3.     Support digestive health

Figs aid in better digestion due to the high content of fibre and prebiotics, supporting beneficial gut bacteria. For those with Irritable Bowel Syndrome with Constipation (IBS-C), consuming four dried figs twice daily reduces pain, improves defecation and softer stools compared to a placebo.

4.     Promotes menstrual health

In a menstrual health study, dried figs showed promise for alleviating primary dysmenorrhea symptoms. Its consumption reduces pain severity, duration, menstrual distress and perceived stress over three menstrual cycles compared to those consuming cinnamon or a placebo.

5.     Improve inflammatory conditions

The anti-inflammatory compounds in figs may reduce the effects of cytokines, which contribute to inflammation. This could provide benefits for individuals with allergies, rheumatoid arthritis, inflammatory bowel diseases (IBD), sinusitis and tuberculosis.

6.     May Help Support Weight Management

Dried figs are associated with lower body weight. Regular consumption aids healthy weight management by enhancing post-meal fullness and regulating blood sugar levels.

Nutritional value of figs

Figs are rich in essential nutrients, and even a small serving provides a significant dose of vital vitamins and minerals.

Serving size: 1 small fresh fig (40 g)

• Calories: 30
• Carbohydrates: 8 g
  • Fibre: 1 g
  • Sugar:5 g
• Protein: 0 g
• Fat: 0 g
• Micronutrients:
• Copper: 3% DV (Daily Value)
• Vitamin B6: 3% DV
• Magnesium: 2% DV
• Potassium: 2% DV
• Riboflavin: 2% DV
• Thiamine: 2% DV
• Vitamin K: 2% DV

Dried figs contain much higher levels of nutrients and calories, which make them an excellent energy-boosting snack.

How many figs should you eat in a day?

Although figs are pretty healthy, consuming way too many might lead to stomach-related problems because of their high fibre content. For most individuals, consuming 2 to 3 fresh figs each or 3 to 4 dried figs is considered healthy and safe. Individuals who have weight-related concerns or diabetes should be extra careful and speak with a physician before adding this particular fruit to their diet. Drinking water while consuming figs is also highly recommended to support digestion.

Conclusion

Figs are not just a tasty and sweet fruit but also stand out as a source of countless health advantages. However, consuming too many may sometimes lead to digestive or other health issues. Having a health insurance policy can provide financial protection in such situations, ensuring you can focus on recovery without worrying about medical expenses.

Apart from that, if you need solutions and advice on medical or senior citizen health insurance policies, please fill out the form found on this page. Let us help you find a policy that will match your needs and budget.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Cinnamon is among the world's most popular and widely-used spices. It is obtained from the inner bark of a tree species called Cinnamomum. The sweet and warm flavour of cinnamon instantly enhances the taste of several dishes and drinks. Besides being flavourful, cinnamon is also rich in health benefits. This tasty spice can help you tackle multiple health issues. This article basic details on the health benefits of cinnamon that we can all understand and benefit from.

What are the Health Benefits of Cinnamon?

Here are some noted health benefits of cinnamon:

1. Blood sugar regulation: Good news for those looking to control diabetes or balance blood sugar levels! Did you know cinnamon can improve insulin sensitivity, helping your cells absorb glucose more effectively? This remarkable characteristic of the spice could be beneficial.

2. Antioxidant powerhouse: Loaded with antioxidants, cinnamon helps combat oxidative stress in your body. The antioxidants protect your cells from the potential damage that free radicals can cause, contributing to overall well-being.

3. Heart health booster: Cinnamon is heart-friendly! It helps lower bad cholesterol (LDL) levels, reducing the risk of heart disease. Additionally, it has anti-inflammatory properties that support a healthy cardiovascular system.

4. Brain function enhancement: Cinnamon may positively impact cognitive function. It has been linked with better memory and attention, making it a brain-boosting spice of everyday importance.

5. Antibacterial and antifungal characteristics: Cinnamon has natural antimicrobial properties that help fight infections. It suppresses bacterial and fungal growth and assists in developing a healthier immune system.

6. Digestive aid: Cinnamon can be your ally if you ever experience digestive discomfort. It helps soothe the digestive tract, reducing bloating and aiding in smoother digestion.

7. Weight management support: Including cinnamon in your diet may assist in weight management. It can help control cravings by stabilising blood sugar levels, potentially preventing overeating.

8. Skin health improvement: Cinnamon's antibacterial properties extend to skincare. It may help treat acne and other skin conditions, promoting a clearer and healthier complexion.

9. Mood enhancement: Believe it or not, cinnamon may help improve mood. Its aroma has been associated with reduced irritability and increased alertness, adding a delightful aspect to its diverse benefits.

Updated on 14 Dec 2025

Cardamom might seem like just another spice in your kitchen, but it offers much more than flavour. Known as Elaichi in India, these small green pods are packed with health benefits, including controlling blood pressure, regulating insulin levels and preventing ulcers.

It was first discovered in India and is now used worldwide in both sweet and savoury foods. Its seeds, oils and extracts have also been used in traditional medicine for many years. In this blog, we explore how incorporating cardamom into your diet can support your overall health.

What are the benefits of cardamom?

Due to cardamom's rich nutrient profile, it offers a multitude of benefits:

1. Controls blood pressure

Cardamom potentially lowers blood pressure through its anti-inflammatory properties. The presence of antioxidants in cardamom safeguards cells and tissues from free radical damage. These harmful substances, arising within the body, induce oxidative stress. Moreover, it exerts diuretic effects, whose influence contributes to higher urine production and salt excretion from the body. This can help reduce fluid retention and lower blood pressure.

2. May fight cancer

Phytochemicals in cardamom are natural substances with biological effects on the body. Notably, a select few, like indole-3-carbinol, limonene and eugenol, have demonstrated anti-cancer properties.

3. Beneficial for diabetics

By modulating lipid and glucose absorption, cardamom potentially improves certain biomarkers that signal inflammation and disease in individuals with metabolic syndrome or diabetes. It helps reduce cholesterol and triglyceride levels, normalises blood sugar levels and lowers triglycerides, making weight management more effective.

4. Regulates insulin levels

Additionally, cardamom potentially enhances the secretion and sensitivity of insulin, the hormone that regulates blood sugar levels. This makes the consumption of cardamom beneficial for people with diabetes.

5. Prevent ulcers

Ulcers are sores in the tummy lining or intestines that can cause pain, bleeding and infection. They are caused by Helicobacter pylori bacteria, which can damage the mucus protective layer covering the stomach and intestines. Cardamom may help prevent ulcers by inhibiting bacterial growth. It contains terpenoids, such as cineole, pinene and limonene, which have antibacterial properties and can kill or inhibit the growth of H. pylori and other harmful bacteria that can cause ulcers.

6. Combats bad breath

Cardamom’s antimicrobial properties fight against bacteria in your mouth, combating bad breath effectively. Chewing cardamom can be a simple and natural way to maintain oral hygiene.

Nutritional facts of cardamom

Cardamom is low in calories and carbs. It provides vitamins, minerals and fibre. A 100-gram serving (about 50-60 pods) contains:

Is it good to eat cardamom every day?

Eating cardamom daily is generally safe when done in moderation. Its antioxidants and digestive benefits support overall health, but consuming too much can cause issues. One to two pods a day is usually enough.

People with food allergies, low blood pressure or those who are pregnant or breastfeeding should consult a healthcare professional before including it in their daily routine, especially if taking medication.

Conclusion

Cardamom is a versatile spice that not only enhances the flavour of your meals but also supports overall health. A healthy diet helps prevent disease, but medical emergencies can still arise. Having a reliable health insurance plan ensures you can access timely care without financial strain.

Choosing family health insurance extends this protection to your entire household, giving peace of mind for all your loved ones. If you need help choosing a plan, please fill out the form on this page.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Updated on 2 Dec 2025

Yoghurt is more than just a tasty snack; it’s a simple way to support your body every day. Full of calcium, magnesium, potassium, phosphorus and high-quality protein, it helps keep your bones strong, teeth healthy and muscles working at their best. Packed with live bacterial cultures, or probiotics, yoghurt supports digestion and helps reduce bloating, constipation and gut imbalances. Let’s uncover the health benefits of yoghurt.

What are the health benefits of yoghurt?

Yoghurt is more than a creamy snack;it’s a nutrient-packed food that supports overall wellness. Here’s how it benefits your health:

• Rich source of nutrients and protein: Yoghurt provides vitamin B12, calcium, phosphorus, zinc and high-quality protein. These nutrients support bone strength, immune function, energy production and overall health, making yoghurt a simple addition to your everyday diet.
• Supports bone health: With calcium, magnesium and vitamin D, yoghurt helps maintain strong bones and joints, reducing the risk of fractures and conditions like osteoporosis and osteopenia.
• Promotes gut health: Probiotics in yoghurt support a healthy balance of gut bacteria, improve digestion and enhance nutrient absorption. A healthy gut also boosts immunity and can positively influence mood.
• Aids weight management: The protein in yoghurt helps you feel full for longer, reducing overeating. Its balanced mix of protein, fat and carbs supports steady blood sugar levels and natural metabolic function, making weight management easier.
• May improve heart health: Low-fat or unsweetened yoghurt can help lower blood pressure and improve cholesterol levels. Regular consumption, alongside exercise and a balanced diet, supports long-term cardiovascular health.

Best types of yoghurt with maximum benefits

When it comes to choosing yoghurt, different types offer unique benefits. Here are some of the best options to maximise nutrition and support your health:

• Greek yoghurt

Thick and protein-rich, Greek yoghurt is strained to remove much of the whey, making it lower in lactose. It contains probiotics and calcium, supports digestion and helps you feel full longer.

• Icelandic skyr

Ultra-thick and high in protein, skyr is very satisfying and filling. While protein content is excellent, calcium levels can vary, so check labels if calcium is a priority.

• Plain, unsweetened yoghurt

Less processed and free from added sugars, this yoghurt contains live active cultures that support digestion. It is versatile for recipes and helps with calorie and sugar control.

• Kefir

A drinkable, fermented option, kefir offers a wide variety of probiotic strains, calcium and vitamin D. It is gut-friendly and suitable for those with lactose sensitivity.

• Australian-style yoghurt

Creamy and unstrained, this yoghurt is higher in fat and lower in protein than strained varieties. It still provides probiotics and calcium for digestive and bone health.

• Soy milk yoghurt

A plant-based, dairy-free option, soy yoghurt supplies protein and fiber. Choose fortified versions with calcium and vitamin D and ensure it contains live cultures for gut benefits.

How to incorporate yoghurt into your diet?

Yoghurt is easy to add to your daily meals in simple, tasty ways. Start your day with a bowl of plain Greek yoghurt topped with fruits, nuts or seeds for a protein-rich breakfast. Swap it for mayonnaise or cream in dips, dressings and curries to lighten meals. Blend it into smoothies for extra creaminess and probiotics.

Enjoy it as a midday snack with honey or granola, or serve it as a side with rice and dal. Opt for unsweetened varieties to maximise health benefits while keeping sugar intake low.

Role of health insurance in managing dietary health concerns

Health insurance helps manage diet-related health issues like diabetes, hypertension and obesity, which often require regular check-ups, tests and dietician guidance. An comprehensive insurance policy can cover doctor visits, hospitalisation and nutrition-related treatments. A family health insurance plan, which is part of a medical insurance policy, ensures all family members can access preventive care and maintain healthier diets without worrying about costs, supporting long-term health and quality of life.

Conclusion

Yoghurt is more than a tasty addition to your diet. It’s a simple, powerful way to support your bones, gut, heart and weight management. By including it regularly, whether Greek, kefir or plant-based, you’re actively investing in your body’s digestion, immunity and overall wellness.

Pairing this healthy habit with a comprehensive medical insurance ensures you can prioritise your health confidently, knowing you’re covered for nutrition-related care.

FAQs

• Is yoghurt good for people with lactose intolerance?

Yes, varieties like Greek yoghurt, kefir or soy-based yoghurt are easier to digest, making them a suitable option for lactose-intolerant individuals without discomfort.

• How much yoghurt should I eat daily for health benefits?

One to two servings (about 150-200g each) daily provide probiotics, calcium and protein, supporting digestion, immunity, stronger bones and improved gut function naturally.

• What is the healthiest type of yoghurt to choose?

Plain, unsweetened yoghurt with live cultures is healthiest, offering probiotics, calcium and protein without added sugars, ensuring better overall health and well-being consistently.

• Can yoghurt help in weight loss?

Yes, yoghurt is protein-rich, keeps you full longer, reduces cravings and helps control appetite, making it a valuable aid for healthy weight management.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Condyloma Acuminatum or genital warts are caused by the human papillomavirus (HPV) infection. As many as 40 strains of HPV are known to affect the anogenital area, with strains 6 and 11 usually causing Condyloma Acuminatum aka venereal warts. HPV spreads from sexual intercourse and age, while lifestyle also plays an important role in the development of genital warts. The condition can recur after topical treatment. Hence, it is essential to educate patients about treatment options, why they should have a follow-up appointment, and safe sex practices. 

What are the Treatments of Condyloma Acuminatum?

Condyloma Acuminatum treatment or venereal wart treatment depends on several factors, including lesion type, location, and patient preference. Treatment options include:

1. topical therapies Podophyllotoxin, Imiquimod, and Sinecatechins),
2. in-clinic treatments (cryotherapy and TCA),
3. and surgical excision.

In the case of topical treatments, multiple applications are required for weeks to a few months, with the application of Imiquimod showing lower recurrence rates. In-clinic options include cryotherapy and TCA, which are cost-effective, non-invasive, and suitable treatment options in case of lesions. Surgical excision, including electrosurgery and laser therapy, is meant for severe cases and has 100% clearance rates.

Another significant emerging treatment for genital warts is the application of 5-aminolevulinic acid (ALA) with photodynamic therapy. It shows more effective results in efficacy and lower recurrence rates than traditional methods such as CO2 laser treatment. Podophyllotoxin cream is an application method for treating fleshy papules or skin lesions. 

Treatment initiation depends on lesion persistence, symptoms, and cosmetic concerns. Children and young, healthy adults may not require immediate treatment, as lesions can resolve spontaneously. Patients should seek treatment if lesions persist beyond two years, are symptomatic, or for cosmetic reasons.

Treatment options for Condyloma Acuminatum range from topical and in-clinic therapies to surgical excision, with ALA-based photodynamic therapy as a promising alternative. Individualised treatment decisions consider lesion characteristics and patient preferences.

Managing taxes effectively is crucial for individuals earning a salary exceeding 10 lakhs. With many options available and tax regulations constantly evolving, understanding how to save taxes becomes imperative. Individuals can minimise their tax burdens by exploring legitimate avenues for tax optimisation while making informed financial decisions. In this blog, we will discuss the strategies for tax savings for salaries exceeding 10 lakhs.

Steps to Save Tax for Salary above 10 Lakhs

When aiming to how to save tax for salary above 10 lakhs, employing strategic methods is key. Here are some essential steps:

1. Choosing the Right Tax Regime: Selecting the appropriate tax regime entails aligning with your financial situation and goals. This involves comparing the old and new tax regimes, each with unique advantages. The old regime offers deductions and exemptions, while the new regime boasts lower tax rates but fewer deductions. Assessing income sources, potential deductions and long-term financial objectives guides informed decision-making. Opting for a regime that balances tax efficiency and financial goals ensures maximal savings and overall financial stability.

2. Maximising Section 80(C) Deductions: Take advantage of Section 80(C) deductions by investing in instruments like PPF, ELSS and NSC to reduce taxable income.

3. Taking Advantage of the HRA Exemption: If you’re a salaried individual paying rent, claim the House Rent Allowance (HRA) exemption to lower your taxable income.

4. Claiming 80(D) Deductions on Health Insurance Premiums: Ensure adequate health insurance coverage for yourself and your family and claim deductions under Section 80(D) for the premiums paid.

5. Utilising Tax Deductions on Loans: If you have taken loans for education or housing, you can take deductions available under relevant sections like 80(E) for education loan interest and 24(b) for home loan interest, effectively reducing your taxable income.

Have you ever wondered what is 80C in income tax? If you're looking for ways to save on your taxes, understanding Section 80C can help. Here, you can learn about this Section of the Income Tax Act of India and explore its nuances. Section 80C offers taxpayers various avenues to reduce their taxable income. It includes investing in specified avenues and expenses like NSC, ULIPs, PPF, and more. Let’s delve into what is 80C and what’s in it for you.

Section 80C in Income Tax

As taxpayers, we look for ways to reduce our tax burden. Section 80C of the ITA helps you shrink that bill and boost your savings at the same time. Let’s look at some ways in which you can avail of tax rebates under Section 80C.

• This Section allows individuals and Hindu Undivided Families (HUFs) to claim a maximum deduction of up to Rs 1.5 lakh annually from their total taxable income. The primary objective is to encourage saving and investing.
• Under this Section of the ITA, taxpayers can avail tax exemptions on a wide range of investments and expenses. Some of the key avenues eligible for deductions include contributions to EPF (Employee Provident Fund), PPF (Public Provident Fund), payments towards life insurance premiums, NSC (National Savings Certificate), NABARD Rural Bonds, and ULIPs (Unit Linked Insurance Plans).
• Paying Stamp Duty and Registration Charges for a property makes taxpayers eligible for a tax rebate under Section 80C. However, you can avail of a tax rebate under this Section only in the year that these were paid.
• Taxpayers can avail of a tax rebate for investments made towards SCSS (Senior Citizens Savings Scheme). The tax deduction is applicable up to Rs 1.5 lakh. Taxpayers who opt for VRS (Voluntary Retirement Scheme) after attaining the age of 55 and senior citizens aged above 60 can invest in SCSS. Do note that investments in this scheme come with a lock-in period of 5 years.
• One can avail of a tax deduction under Section 80C for the Principal repayments made towards EMIs for a home loan. However, this is subject to the fulfilment of certain clauses.

Are you looking for ways to reduce your tax burden and increase your savings in India? Understanding the various saving avenues is crucial to optimising your financial resources. Join us as we explore a comprehensive range of strategies to help you save on income tax while strengthening your financial future. Gain valuable insights on maximising tax efficiency and achieving long-term financial stability in India.

How to Save Income Tax in India?

Many often ponder, ‘How can I save tax in India?’ Here, you can discover various steps to minimise your taxable income:

1. Tax-Saving Investment Options under Section 80C: Tax savings can be achieved through investments in diverse schemes like the Public Provident Fund (PPF), Equity Linked Saving Schemes (ELSS) and National Savings Certificate (NSC). Employee Provident Fund (EPF) contributions also qualify for tax deductions under this section.

2. Ensuring the Health of Your Loved Ones and You: One effective method is to purchase health insurance plans for yourself, your spouse, your children and your parents. Premiums paid towards these policies qualify for tax deduction under Section 80D of the Income Tax Act.

3. Submitting Rent Receipts: If you’re a salaried individual residing in a rented accommodation, submitting authentic rent receipts to your employer can enable you to claim House Rent Allowance (HRA) exemption, reducing your taxable income.

4. Making a Charitable Donation: Donating to eligible charitable organisations or institutions is another way to save on taxes. Donations to such entities qualify for tax deduction under Section 80G of the Income Tax Act. Ensure the organisation is registered under Section 80G and obtain the necessary donation receipt.

5. Financing Higher Education: You can avail tax benefits by taking an education loan for your own, your spouse’s or your children’s higher education. The interest paid on such loans is eligible for tax deduction under Section 80E, subject to certain conditions and limits.

6. Buying a House: Repayment of the principal amount of a home loan qualifies for tax deduction under Section 80C. Additionally, the interest paid on a home loan is eligible for deduction under Section 24(b) of the Income Tax Act, subject to specified conditions and limits.

Ensuring thе accuracy of your incomе tax rеturn is crucial, and with thе advеnt of tеchnology, е-vеrification has bеcomе еffortlеssly accеssiblе. Here, wе’ll unravеl thе straightforward stеps of how to е-vеrify your incomе tax rеturn, guarantееing sеamlеss procеss. By еmbracing еlеctronic vеrification, you еxpеditе thе confirmation of your rеturn and contributе to a morе sustainablе and еfficiеnt tax filing process. Join us as wе dеmystify this procеss, еmpowеring you to navigatе thе digital landscapе confidеntly and еasily, еnsuring compliancе and pеacе of mind.

Steps to E-Verify Income Tax Return

You can follow the steps listed below to e-verify your ITR.

• Stеp 1: Accеss thе е-Filing Portal

Thе first stеp in е-vеrifying your incomе tax rеturn is accеssing thе е-Filing portal. You can do this by visiting thе official wеbsitе of thе Incomе Tax Dеpartmеnt of India. Oncе thеrе, locatе and click on thе ‘е-Vеrify Rеturn’ option. This will dirеct you to thе е-Vеrify Rеturn pagе.

• Stеp 2: Providе Nеcеssary Information

On thе е-Vеrify Rеturn pagе, you will bе promptеd to еntеr spеcific dеtails to authеnticatе your idеntity and vеrify your rеturn. Hеrе’s what you’ll nееd to do:

1. Enter Your PAN: Provide your Permanent Account Number (PAN), which serves as your unique identifier for tax-related transactions.

2. Select Assessment Year: Choose the assessment year for which you are verifying the income tax return. The assessment year typically refers to the financial year for which the return is being filed.

3. Enter Acknowledgment Number: Input the acknowledgment number of the Income Tax Return (ITR) that you have filed. This acknowledgment number is generated upon successful submission of your return.

4. Provide Mobile Number: Enter the mobile number that is registered with your PAN Card. This is crucial as the Income Tax Department will send an OTP (One-Time Password) to this mobile number for verification purposes.

• Stеp 3: Vеrify Your Idеntity

Aftеr providing thе rеquirеd information, click on thе ‘Continuе’ button. This will initiatе thе vеrification procеss. You will rеcеivе an OTP on thе mobilе numbеr providеd еarliеr. Entеr this OTP in thе dеsignatеd fiеld to authеnticatе your idеntity.

• Stеp 4: Confirmation

Oncе you’vе еntеrеd thе OTP succеssfully, thе systеm will vеrify your idеntity and validatе your incomе tax rеturn. You will rеcеivе a confirmation mеssagе indicating that your rеturn has bееn succеssfully е-vеrifiеd.

Unlocking the potential of tax-saving strategies is pivotal for sound financial planning. Among these strategies lies the House Rent Allowance (HRA) tax exemption, a vital aspect for salaried individuals who rent accommodation. Understanding the mechanics of how to calculate HRA tax exemption can translate into significant savings. Let’s delve into the details and understand the determinants of HRA so that you have clarity regarding the same.

What is HRA (house rent allowance)?

HRA is an employer-provided allowance to employees to meet housing rental expenses. It forms a part of the salary structure and offers tax benefits under the Income Tax Act when the employee resides in rented accommodation.

Is HRA taxable?

HRA is taxable if an employee does not live in rented accommodation or fails to provide necessary rent receipts. However, if the employee pays rent and complies with documentation requirements, a portion or the entire HRA can be exempted from tax, as calculated above.

HRA for self-employed individuals

Self-employed individuals do not receive a salary; hence, they are not eligible for HRA. However, they can claim a deduction for rent paid under Section 80GG of the Income Tax Act, subject to certain conditions.

HRA for salaried individuals

Salaried individuals receiving HRA as part of their salary can claim tax exemption on it, provided they live in rented accommodation and furnish valid rent receipts. The exemption is calculated based on the criteria mentioned earlier.

How to claim HRA exemption?

To claim HRA exemption:

1. Submit Rent Receipts: Provide your employer with rent receipts or a rental agreement as proof of rent paid.
2. PAN of Landlord: If the annual rent exceeds ₹1,00,000, furnish the landlord's PAN to your employer.
3. Declaration: Some employers may require a declaration form detailing the rent paid and the landlord's details.

How to calculate HRA exemption?

The tax deduction for HRA is determined by the following:

1. Actual rent paid minus 10% of the basic salary

1. Actual HRA provided by the employer

1. 50% of the salary if the residential house is in Mumbai, Delhi, Chennai or Kolkata; 40% of the salary if the residential house is elsewhere.

Please note that for HRA calculation purposes, ‘salary’ encompasses the sum of basic salary, dearness allowance (DA), and other applicable commissions.

These three scenarios delineate how HRA tax exemption is computed. Understanding these scenarios is crucial for optimising your tax advantages. Let’s delve deeper into each scenario to gain a clearer understanding.

• Actual Rent Paid Minus 10% of Basic Salary: This calculation considers the actual rent paid by the employee minus 10% of their basic salary. For instance, if the rent paid is Rs 12,000 and 10% of the basic salary is Rs 2,300, the exemption would be Rs 9,700.
• Actual HRA Offered by Employer: This is straightforward — it’s the HRA amount provided by the employer. Here, the HRA offered is Rs 15,000. However, this may vary depending on the individual’s employment terms.
• 50% of Basic Salary: Half of the basic salary is another benchmark for calculating HRA exemption. This ensures a balanced approach, especially for individuals with high rents relative to their salary.

Do note that the minimum of the above three computations will be the actual amount paid as rent minus 10% of one’s basic salary.

Also, you must remember the following:

• If you pay an annual rent that exceeds Rs 1 lakh, you will require your landlord’s PAN Number to claim HRA exemption. If you are unable to provide the landlord’s PAN Number, you can submit a signed declaration from him/her.
• You cannot claim an HRA deduction for rent paid to your spouse.
• Rent paid to your parents makes you eligible for HRA exemption, but your parents will need to declare it in their ITR.

HRA calculator

Several online tools can assist in calculating your HRA exemption:

• ClearTax HRA Calculator: A user-friendly tool to compute your HRA exemption.
• ICICI Prudential HRA Calculator: Offers detailed insights into your HRA exemption.

How to claim HRA when living with parents?

If you reside in a property owned by your parents, you can pay them rent and claim HRA exemption, provided:

• Rental Agreement: Draft a rental agreement between you and your parents.
• Rent Payment: Transfer rent to your parents' bank account regularly.
• Parents' Income Declaration: Your parents must declare this rental income in their tax returns.

This strategy can be tax-efficient if your parents are in a lower tax bracket or have no taxable income.

How to claim deduction under section 80GG?

Section 80GG allows individuals not receiving HRA to claim a deduction for rent paid, subject to the following:

• Eligibility: Applicable to self-employed or salaried individuals not receiving HRA.
• Deduction Limit: The least of the following:
  • ₹5,000 per month
  • 25% of total income (excluding capital gains)
  • Actual rent paid minus 10% of total income

To claim this deduction, file Form 10BA confirming that you do not own any residential property.

Can I claim HRA and deduction on home loan interest?

You can claim both HRA and home loan interest deductions if:

• Different Locations: The rented and owned properties are in other cities.
• Same City: If both properties are in the same city, provide valid reasons (e.g., distance from the workplace) for not residing in the owned property.

Conclusion

Mastering how HRA tax exemption is calculated is essential for optimising tax savings and maximising take-home pay. Similarly, you can avail yourself of a tax rebate for an individual health insurance plan or health insurance policy for family premium payments under Section 80D of the Income Tax Act. By understanding the various factors involved, individuals can make informed decisions regarding tax planning. By leveraging both HRA tax exemption and health insurance benefits, individuals can build a robust financial foundation and save a significant amount of their taxable income.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Dealing with taxes is an experience that many find burdensome yet unavoidable. The paperwork, rules and the hefty year-end bill can all contribute to stress. However, amidst the tax landscape, there exists a system designed to simplify things — Tax Deducted at Source (TDS). So, let's find out what is TDS in income tax.

What is the Meaning of TDS in Income Tax?

When we talk about what is TDS, we need to understand its meaning and how it affects us as taxpayers.

• At its core: Consider TDS as a tax payment in advance. When you receive payment for services, a portion is withheld as TDS (tax deducted at source) and remitted directly to the government.
• Key players: The individual or entity making the payment deducts and remits TDS. As the recipient, you receive recognition for the amount already remitted.
• Why opt for TDS: It ensures tax collection by the government, reducing instances of non-payment of taxes.
• TDS in our lives: If you have a job, rent out a property, win a prize or earn interest on investments, TDS is likely to be involved.
• Prevents tax evasion: TDS helps prevent tax evasion by collecting a portion of tax upfront, reducing the chances of people hiding their income.
• Distributes tax payments: Instead of making a large payment at the end of the year, TDS spreads out the tax collection process, making it more manageable for both individuals and the government.
• Varied based on income: TDS rates are not uniform. They differ depending on the type of payment and the recipient's income tax bracket.
• Issuance of TDS certificates: The person deducting TDS provides you with a certificate as proof of payment. This document is crucial when filing your taxes.
• Possibility of TDS refunds: Sometimes, more TDS might be deducted than your tax dues. This situation could result in a refund when you file your taxes.

Dealing with taxes always brings a sense of uncertainty. The paperwork, the rules, and the ongoing quest to find ways to save a few rupees in your pocket keeps you worried. Lately, things have gotten more confusing with the arrival of the new tax system. You've probably heard about the standard deduction. Can you actually use it under this new setup? Also, will it really help you save money? Let's find out whether the standard deduction is applicable in the new tax regime.

Is Standard Deduction Applicable to the New Tax Regime?

The good news is that you can avail of rebates in the tax system. This offers some relief, even if you opt for this new structure.

• The Twist: You won't be able to benefit from deductions, such as House Rent Allowance (HRA), specific investments or health insurance premiums.
• The Amount: Presently salaried individuals can claim a standard deduction of up to Rs 50,000 with variations for retirees.
• Do Your Calculations: It's essential to assess which system is more advantageous for your situation. Consider all aspects; your earnings, the standard deduction and whether other deductions could result in savings under the previous system are all important aspects.
• The Decision-Making Factor: Although the new system offers the standard deduction, taxpayers need to decide between opting for it and utilising deductions and exemptions under the old tax regime.
• Primary Beneficiaries: Note that the standard deduction in the new system is particularly advantageous for individuals with qualifying deductions (such as HRA or substantial investments).
• The Significance of Contrasts: Taxpayers must use tax tools or seek advice from professionals to compare their tax obligations under both systems, taking into account the standard deduction and their individual situations.

In gaining clarity on — is standard deduction applicable in the new tax regime — grasping the concept of the standard deduction in the updated tax structure is one element of a larger picture. Ultimately, making an informed decision requires evaluation. Assess your income deductions from before and how much effort you will invest in filing taxes. If you need assistance navigating these choices, feel free to reach out to a tax consultant. The knowledge and skills of tax consultants can help you save money and ensure you have peace of mind when it comes to finances.

When tax season arrives, that sense of unease sets in. The paperwork, the calculations, and the troubling question: Should we stick with the old tax system or opt for the efficient "new" one that gives us sleepless nights? The Indian government offers choices. Determining which system suits you can seem like solving an age-old riddle and saving every rupee that matters to you. What if a misstep leads to losing out on the rebates? Let's navigate through this together and find out which income tax regime is better.

Which Income Tax Regime is Better?

This decision to switch between the new and old tax regime depends on several factors like —

• Your Income Level: The new tax system features lower tax rates, potentially making it advantageous if you fall into a higher tax bracket. However, do not overlook the deductions and exemptions under the old tax system.
• Utilising Deductions: If you fully utilise deductions such as home loan interest, eligible investments and health insurance premiums, sticking with the old regime might be preferable.
• Ease of Use vs. Financial Gains: Navigating through the old tax system requires paperwork, but it has the potential to result in significant savings if you take full advantage of available deductions. On the other hand, the new system simplifies the process but may not offer generous tax benefits compared to the old tax structure.
• The key is flexibility: The good news is that you're not bound to one system forever! You have the freedom to switch between regimes each year, allowing you to adjust based on changes in your circumstances. But you must either be a salaried individual or a pensioner.
• Looking ahead at your objectives: Apart from cost savings, consider your long-term financial goals. The old system, with its focus on deductions, might be more beneficial if you are actively saving for retirement, purchasing a house, or engaging in investments.
• Employer perks: Does your employer provide tax-saving benefits such as housing allowances or meal vouchers? These perks could complement the old system but may not offer substantial advantages under the new setup.
• Risk tolerance: Opting for the old system entails managing paperwork and calculations, which could increase error risks. If dealing with deduction complexities causes stress, transitioning to the new regime might be worth a slightly higher tax burden.

Advance income tax is payment made beforehand rather than at the end of the financial year. It is to be paid in instalments as per the due dates notified by the income tax department. It is also known as ‘pay as you earn’ and needs to be paid in the same year of earnings.

In today’s busy lifestyle, you can avail yourself of online payment options to avoid last-minute hassles. Advance income tax also helps mitigate stress that a taxpayer might undergo during tax payments at the end of the financial year; paying advance tax helps one as it does not involve shelling out taxes in a lump sum at the end of the financial year.

If you’re wondering how to pay advance tax online, we will explore a stepwise process of how you can go about it.

Advance tax calculator – calculate advance tax liability

You can use online calculators on various financial platforms to determine your advance tax liability. These tools require inputs such as your estimated annual income, deductions, and applicable tax rates to compute the amount payable. Accurately calculating the income and deductions is crucial for precise calculations.

What is advance tax?

Advance tax is the income tax payable if your total tax liability exceeds ₹10,000 in a financial year. It applies to various income sources beyond regular salaries, including rent, capital gains, lottery winnings, and fixed deposits. Timely payment of advance tax helps avoid interest penalties and ensures compliance with tax regulations.

Who should pay advance tax?

The following categories of taxpayers are required to pay advance tax:

• Salaried Individuals: While employers deduct tax at source (TDS) on salaries, individuals with additional income from sources like interest, rent, or capital gains may need to pay advance tax.
• Freelancers and Professionals: Those earning income without TDS deductions must assess and pay advance tax.
• Businesses: Both corporate and non-corporate entities are obligated to pay advance tax on their profits.

Advance tax due dates for FY 2024-25

For the financial year 2024-25, advance tax payments are scheduled as follows:

• On or before 2024 15th June: 15% of the advance tax liability.
• By 15th September 2024: 45% of the advance tax liability, less the amount paid in the previous instalment.
• By 15th December 2024: 75% of the advance tax liability, less the amounts paid in earlier instalments.
• By 15th March 2025: 100% of the advance tax liability, ensuring the entire tax is paid before the financial year ends.

How to pay advance tax online?

Let us go through the steps and clarify how to make advance tax payments online for your quick reference.

• Step 1: Go to the e-filing portal of the Income Tax Department of India.
• Step 2: Go to the ‘Quick Links’ section on the home page and click the ‘e-pay tax’ option. Taxpayers can also search ‘e-pay tax’ in the search box.
• Step 3: On the next page, insert your PAN and re-enter to confirm it. Then, type your mobile number and click ‘continue.’
• Step 4: You will receive a 6-digit OTP on your registered mobile number. Enter the OTP and ‘continue.’
• Step 5: Select the first box labelled as ‘Income Tax’ and click on ‘Proceed.’
• Step 6: Go to the ‘Assessment Year’ as 2024-25, select ‘Type of Payment’ as “Advance Tax (100)’ and click on ‘Continue.’
• Step 7: Enter tax details in the next screen.
• Step 8: Select your desired payment bank and click on ‘Continue.’
• Step 9: You can preview the challan details and click ‘Pay Now’. You may also ‘Edit’ your shared details if required.

This is how to make advance tax payments online through a few easy steps. Once payment is made, you will receive an acknowledgement on the next screen. Check the challan serial number and the BSR code on the right side of the advance tax payment challan. You will need these details while filing your income tax return and future references related to tax issues.

What is advance tax late payment interest?

Failure to pay advance tax on time results in interest penalties under Sections 234B and 234C of the Income Tax Act:

• Section 234B: Applies if advance tax paid is less than 90% of the assessed tax. Interest at 1% per month is charged on the shortfall from April 1st of the assessment year until payment.
• Section 234C: Pertains to delays in instalment payments. A 1% per month interest is levied on the deferred amount for each month of delay.

How is advance tax payment calculated?

To calculate advance tax:

1. Estimate Total Income: Include all income sources such as salary, business profits, interest, and capital gains.
2. Deduct Allowances and Exemptions: Apply eligible deductions under sections like 80C, 80D, etc.
3. Compute Tax Liability: Apply the prevailing income tax rates to the net taxable income.
4. Subtract TDS: Deduct any tax already withheld at source.
5. Determine Advance Tax: If the remaining tax liability exceeds ₹10,000, you're required to pay advance tax as per the specified instalments.

Conclusion

Now that you know how to pay advance tax online, you can explore options to save on taxes. For instance, taxpayers can claim deductions on health insurance premiums under Section 80D of the ITA. Talk to a financial expert to clear doubts before making any tax-related decisions. Paying advance tax on time is crucial for financial discipline and tax compliance. Just as selecting the right health insurance policy or maternity insurance policy ensures financial security during medical emergencies, timely advance tax payments prevent last-minute financial stress and penalties.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.