As the March 31 deadline approaches, many taxpayers feel stuck if they haven’t invested in ELSS, LIC, or NPS. But good news — you can still save tax legally without making any fresh investments.
1. Claim HRA Without Rent Agreement (If You’ve Paid Rent)
Even if you don’t have a rent agreement, you can still claim HRA by submitting rent receipts + landlord PAN (if rent > ₹1L)
Applies to salaried employees
Can reduce tax by ₹15,000–₹1,00,000/year
2. Claim Medical Expenses for Senior Citizen Parents (No Insurance Needed)
Under Section 80D, if your senior citizen parents are uninsured, actual medical expenses up to ₹50,000 can be claimed
No investment needed — just medical bills
3. Education Loan Interest (Section 80E)
If you’re repaying an education loan for yourself/spouse/kids, you can claim the entire interest as deduction
No cap on amount! And no investment required — just repayment proof
Bonus Tip: Home Loan Interest Under Section 24(b)
Already paying a home loan?
Claim up to ₹2L interest deduction — no fresh investment needed
Stox N Tax 
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