I am residence of india and work for one chinese company in india. my salary get transfer from hong kong. i earn aprox 12 lac per anum. they didnot deduct any tax in hong kong. how i should declare this money. my anual saving is around 1 lac in 25OOO in lic, 85000 in quity base life insurance policy and 10000 tusion fees. 10000 thound principle amount of home and 70000 interest for home. can you suggest better way for how much i pay tax. should i pay every three month or last month.