This is one of the most misleading article I have ever read. When you start reading ,you feel it is for salried class but after finishing you are disappointed.if five member of a family can get 0 tax on income of rs13.10 LAKHS.9 MEMBERS OF A FAMILY CAN GET ZERO TAX ON INCOME MORE THAN 22 LAKHS. HENCE IF YOU WANT TO SAVE TAX GO FOR TRIPLING YOUR FAMILY.SUCH ARTICLE SHOULD BE AVOIDED.