HI Bhawna as per u r salary stracture your annual income is 3.24lakhs and where as you have up to onelakh tax exemption and anything more then that you have to pay 10% tax but as you taken the personal loan which will help you for tax saving even though if you want to go for savings than its batter to go for manual funds which also gives you tax benefits,where you require to invest a some fixed some of amount and you can get the annual returns and dividents (some times 3time a year based on your MF inveastment) otherwise if you are not a married person than its batter for you to stick to your self that you have to save atleast 5% of your monthly salary irrespective of your exp & loans.
further asst. contact me to my mail id bhaskar_13dec@yahoo.com
