Good day Gents
I am an officer in the Merchant navy. Due to an unfortunate accident this year I am unable to complete my mandatory 183 days to achieve NRI status and avail of income tax exemption. I have a PPF account & I have a housing loan also. Apart from these could you please advise me of any instruments or schemes in order to minimize my tax component as I fall under the 30% tax slab. Your views shall be much appreciated. Thanking you,
Best Regards
Farshid Bokdawalla