I have opted VR from service since NOV 2003. I have invested my benefits in mis(post),lic varista pension,GOI bonds and earn interest aboutRs.96000/-per annum Plus interest on fdr about 11000/-for the yr04-05.Invested/paid LIC,PPF,ULIP arond 18000/-.this year. Earlier i used to get form16 from my employer. now What will be my tax.What is required & proceedure to file return.
