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Amazing Tax Benefits Of Taking Housing Loan In 2021




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Buying a house is one of the crucial financial decisions you make in your life. Owning a home brings with it a sense of identity, status, and comfort. With the rising prices of property, financing your dream house from your savings is not a viable option as it puts a burden on your finances. However, another way to buy your preferred house without redeeming your savings or investments is by applying for a housing loan.

A home loan or housing loan is a secured loan that enables you to get up to 90% of the property’s value as a loan. You can avail of affordable interest rates and flexible loan tenures, giving you the flexibility to repay the loan amount without delays or defaults. Before opting for a housing loan, you must use a housing loan EMI calculator to determine how much you can afford to pay in EMIs based on your needs and preferences.

Tax benefits of taking a housing loan 

Besides other benefits of taking a housing loan to buy your dream house, you can also avail multiple tax benefits under the Income Tax Act. To encourage citizens to invest in a house, the government of India has announced several tax benefits on home loan EMI payments.

On February 1, 2021, the government of India announced an additional tax deduction of Rs. 150,000/- on interest paid on housing loans for the purchase of affordable homes by one year. It means that you can get a deduction of up to Rs. 350,000/- for one year – until March 31, 2021. It is available under section 80 EEA.

It is worth noting that you can get these tax benefits if the stamped value of your property is up to Rs. 45,00,000/-. Also, the tax deductions under section 80 EEA are available to borrowers availing housing loans under the PMAY CLSS scheme.

Tax rebate under different sections of Income Tax Act 1961

Section  Nature of home loan  Maximum amount deductible
Section 80 C Deductions on the principal repayment Up to Rs. 150,000/-
Section 24 Deduction on the interest amount payable Up to Rs. 200,000/-
Section 80 EEA Additional interest tax benefit for first-time home buyers Up to Rs. 50,000/-


You need to make repayments of your housing loan in equated monthly instalments (EMIs). There are two main components of your EMIs – principal amount and interest rate. As a borrower, you can avail of tax benefits on both of these components.

  • Tax deductions under section 80C

You can get a maximum tax benefit of up to Rs. 150,000/- on the principal repayment.

It includes both stamp duty and registration charges.

  • Tax deductions under section 24 

You can claim up to Rs. 200,000/- of tax benefits on the interest amount payable.

You can avail of this benefit if the construction is finished within five years. Or else, you can only claim tax deductions up to Rs. 30,000/-

  • Tax deductions under section 80 EEA 

As a first-time homebuyer, you can get tax deductions of up to Rs. 50,000/- on the interest amount payable.

Your home loan amount must be Rs. 3500,000/- or less.

Your property’s value should not exceed Rs. 50,00,000/-.

In short

Opting for a housing loan can get you tax benefits, due to which you can significantly cut the total cost of borrowing. However, before applying for a home loan, it would be wise to use your lender’s housing loan EMI calculator to determine your EMI affordability.

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Enhancing Restaurant Sales through Digital Signage: Benefits and Strategies




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In the fast-paced and competitive restaurant industry, staying ahead of the curve is crucial for attracting customers and boosting sales. One innovative approach that has gained popularity is the integration of digital signage software. Digital screens not only provide a visually appealing way to showcase menus but also offer numerous benefits and strategies to enhance the overall dining experience and, consequently, increase sales.

Benefits of Digital Signage in Restaurants

  • Dynamic Content Presentation: Digital signage allows restaurants to dynamically showcase their menus, promotions, and offerings. Unlike traditional static menus, digital screens enable real-time updates, ensuring that customers are always presented with the latest information.
  • Enhanced Visual Appeal: Interactive and vibrant displays capture the attention of customers, making the dining experience more engaging. High-quality images and videos can be used to showcase menu items, tempting customers with visually appealing presentations.
  • Increased Order Accuracy: Digital menus reduce the likelihood of order errors by providing clear and detailed descriptions of each item. Customers can make informed choices, resulting in more accurate orders and higher satisfaction levels.
  • Promotion and Upselling Opportunities: Digital signage serves as a powerful tool for promoting daily specials, limited-time offers, and upselling complementary items. Strategic placement of promotions on screens can influence purchasing decisions and boost overall revenue.
  • Efficient Queue Management: Digital screens can be used to implement efficient queue management systems. Customers waiting for a table or their orders can be entertained with engaging content, reducing perceived wait times and improving the overall customer experience.
  • Brand Building: Consistent branding across digital signage reinforces a restaurant’s identity. Logos, colors, and themes can be seamlessly integrated into the display, contributing to brand recognition and loyalty.
  • Real-time Changes and Adaptability: With digital signage software, restaurants can instantly update menus, prices, and promotions across multiple locations. This adaptability ensures that marketing strategies can be quickly modified to respond to changing market conditions.

Strategies to Improve Sales Using Digital Screens

  1. Interactive Menus: Implement interactive menus that allow customers to customize their orders, view nutritional information, and explore recommended pairings. This not only enhances the customer experience but also encourages exploration of the menu, potentially leading to additional sales.
  2. Day-Parting Content: Tailor content to different times of the day. For example, promote breakfast items in the morning, lunch specials during midday, and dinner options in the evening. Day-parting helps optimize promotions and increases the relevance of displayed content.
  3. Social Media Integration: Integrate social media feeds into digital screens to showcase user-generated content, reviews, and promotions. Encouraging customers to share their experiences on social media platforms can amplify the restaurant’s online presence and attract new customers.
  4. Loyalty Programs and Discounts: Use digital signage to promote loyalty programs and discounts. Displaying exclusive offers or discounts for repeat customers encourages loyalty and repeat business.
  5. Entertaining Content: Keep customers engaged with entertaining and informative content, such as chef interviews, behind-the-scenes footage, or cooking tips. This not only enhances the overall dining experience but also builds a connection between the customer and the restaurant.
  6. Localized Content: Tailor content to the specific location and demographics of the restaurant. Displaying content that resonates with the local audience creates a more personalized experience, increasing the likelihood of customer satisfaction and repeat visits.
  7. Feedback and Surveys: Utilize digital screens to collect customer feedback and conduct surveys. This real-time data can help restaurants understand customer preferences, identify areas for improvement, and adapt their strategies accordingly.


Cloud based digital signage software presents a myriad of benefits for restaurants seeking to enhance their sales and overall customer experience. From dynamic content presentation to interactive menus and strategic promotions, the integration of digital screens can revolutionize the way restaurants engage with their customers. By adopting these strategies and leveraging the capabilities of digital signage, restaurants can not only increase sales but also stay at the forefront of an ever-evolving industry

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Brazed Plate Heat Exchangers: Revolutionizing Heat Transfer Efficiency




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In the realm of heat exchangers, brazed plate heat exchangers have emerged as a revolutionary technology, transforming the landscape of heat transfer efficiency. In this blog, we delve into the intricacies of brazed plate heat exchangers, exploring their design, advantages, and applications. Additionally, we will touch upon the comparison with another popular heat exchanger type – the double pipe heat exchanger.

Understanding Brazed Plate Heat Exchangers

Brazed plate heat exchangers revolutionize heat transfer with a compact, efficient design. Comprising corrugated metal plates brazed together, they enhance fluid turbulence, optimizing thermal performance. The absence of traditional gaskets ensures durability, making them a versatile and reliable solution for diverse applications across industries.

What are Brazed Plate Heat Exchangers?

Brazed plate heat exchangers are compact, high-performance devices designed for efficient heat transfer between two fluids. Their construction typically involves layers of corrugated metal plates that are brazed together. The brazing process not only ensures a strong bond between plates but also eliminates the need for traditional gaskets, enhancing the unit’s durability and reliability.

Design and Functionality

The corrugated design of the plates in brazed plate heat exchangers plays a pivotal role in optimizing heat transfer. This configuration creates turbulence in the fluid flow, promoting better heat exchange between the fluids. The compact design ensures a high surface area-to-volume ratio, resulting in a more efficient and space-saving solution compared to traditional heat exchangers.

Advantages of Brazed Plate Heat Exchangers

Brazed plate heat exchangers offer unmatched advantages. Their compact design enhances energy efficiency, providing a high surface area-to-volume ratio for optimal heat transfer. The absence of gaskets ensures durability and reliability, making them versatile for various applications. This efficiency, coupled with a compact footprint, defines them as a superior heat exchange solution.

1. Efficiency Boost

The unique design of brazed plate heat exchangers facilitates efficient heat transfer, leading to improved energy efficiency. The turbulent flow created by the corrugated plates enhances thermal performance, allowing for rapid and effective heat exchange.

2. Compact Footprint

Unlike conventional heat exchangers, brazed plate heat exchangers are known for their compact size. This space-saving design makes them ideal for installations where space is a premium, providing flexibility in system layouts and configurations.

3. Durability and Reliability

The brazing process used in their construction eliminates the need for gaskets, reducing the risk of leakage and enhancing overall durability. This robust construction ensures a reliable and long-lasting heat exchange solution for various applications.

4. Versatility in Applications

Brazed plate heat exchangers find applications across a wide range of industries, including HVAC systems, refrigeration, industrial processes, and renewable energy systems. Their adaptability to different working conditions makes them a versatile choice for various heat transfer needs.

Comparing Brazed Plate Heat Exchangers with Double Pipe Heat Exchangers

Comparing Brazed Plate Heat Exchangers with Double Pipe Heat Exchangers reveals distinct differences. Brazed plates excel in compactness, offering efficient heat transfer with a smaller footprint. The corrugated design boosts turbulence, enhancing performance. While double pipe exchangers are effective, the space efficiency and adaptability of brazed plates make them a superior choice for many applications.

1. Size and Space Requirements

Brazed plate heat exchangers excel in terms of compactness, offering a smaller footprint compared to double pipe heat exchangers. This advantage makes them particularly suitable for installations with limited space.

2. Heat Transfer Efficiency

The corrugated plate design of brazed plate heat exchangers promotes turbulent flow, significantly enhancing heat transfer efficiency. While double pipe heat exchangers are also effective, they may require more space to achieve comparable performance.

3. Construction and Maintenance

Brazed plate heat exchangers, with their brazed construction, eliminate the need for gaskets, simplifying maintenance and reducing the risk of leaks. Double pipe heat exchangers, with their simpler design, may be easier to clean but could be more prone to maintenance issues associated with gaskets.


In conclusion, brazed plate heat exchangers stand as a testament to innovation in heat transfer technology. Their compact design, efficiency, and versatility make them a preferred choice across diverse industries. Understanding the advantages of brazed plate heat exchangers, especially in comparison to double pipe heat exchangers, can guide engineers and system designers in selecting the most suitable solution for their specific applications. As the demand for energy-efficient and space-saving heat transfer solutions continues to rise, brazed plate heat exchangers are poised to play a crucial role in shaping the future of thermal management systems.

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