80G, explained.
What the deduction is worth, the rules that decide whether it counts, and the one form you will need. In plain language, for the person giving.
What Section 80G gives you.
A donation to an 80G-approved institution reduces your taxable income. Here is the size of the reduction and the one condition most people miss.
Zoro Foundation holds 80G approval, which puts a donation to us in the category where 50% of the amount given is deductible from your taxable income, subject to a qualifying limit of 10% of your adjusted gross total income. Give ₹2,700, the cost of one child for a year, and ₹1,350 comes off the income you are taxed on. In the 30% bracket that is roughly ₹405 back, before cess.
The condition: the deduction lives in the old tax regime. Since the new regime became the default, a return filed under it cannot claim 80G at all. If you switch regimes to keep other deductions, 80G comes with them; if you stay on the new regime, the donation still does its work in Roha and Karasgaon, it just does not touch your tax.
The rules that decide whether it counts.
Three things the tax department checks, and all three are in your hands at the moment you give.
How you pay
Cash above ₹2,000 does not qualify. UPI, card, net banking and every method Razorpay offers on our donate page are fine, and each one leaves the trail the department wants.
Whose name it is in
The deduction belongs to the person whose PAN is on the receipt. Give in your own name from your own account, and reply to the thank-you email with your PAN so the certificate is issued to you.
Which year it lands in
A donation is claimed in the financial year it was paid, not the year you got round to the paperwork. A gift on 31 March is last year’s; one on 1 April is this year’s.
Form 10BD and Form 10BE: the paper trail.
Since the 2021-22 financial year the certificate is not something the donor writes up. The institution files it.
Every year we file Form 10BD, a statement of every donation received, with the income-tax department by 31 May, and issue each donor a Form 10BE certificate generated from that filing. The certificate is what you claim against. It carries your name, your PAN, the amount and our registration, and because it is drawn from what we filed, it cannot disagree with what the department already holds.
What that means for you: give, then reply to the thank-you email from zoro.foundation@tutamail.com with your PAN and postal address. That is the whole of your part. The certificate for the financial year reaches you after the 10BD filing, in time for your return, and if you gave monthly it arrives as one figure for the year rather than twelve slips.
What we are registered as.
Zoro Foundation is a Section 8 non-profit, and our 80G and 12A registrations are in place. Every registration number and its validity is published once, on where your money goes, and the certificates are available to anyone doing due diligence.
This page explains how the deduction works; it is not tax advice. Your CA knows your regime, your limits and your year, and the final word is theirs.
Questions we get about 80G.
Three gifts, worked out.
The same rule applied to three amounts, for a donor in the 30% bracket under the old regime, before cess and inside the qualifying limit.
₹2,700, one child for a year
Deductible: ₹1,350. Tax saved: about ₹405. The donation costs you roughly ₹2,295 after the deduction, and it keeps one child in a programme for twelve months.
₹27,000, ten children
Deductible: ₹13,500. Tax saved: about ₹4,050. Ten children for a year, or one village cluster for a season.
₹1,00,000
Deductible: ₹50,000. Tax saved: about ₹15,000, provided your adjusted gross total income is at least ₹10 lakh so the 10% qualifying limit does not bite. Above that limit, the excess is not deductible.
Keep three things.
The thank-you email, which arrives within minutes and carries the amount, the date and the payment reference. Your bank or card statement showing the payment, because the department matches donations to the trail. And the Form 10BE certificate for the year, which is the document you actually claim with.
If any of the three is missing, write to zoro.foundation@tutamail.com with the payment date and amount and we will find it. Receipts are reissued, certificates are regenerated from our filing, and nothing about claiming a deduction should ever need a phone call.
Give with the receipt sorted.
Every donation gets a thank-you within minutes and a certificate for the year. The rest is one reply with your PAN.