Tax Planning — Legally Reduce Your Income Tax Outflow

Who this is for

• Salaried professionals earning ₹8L+ — regime selection, HRA, LTA, NPS, restructuring CTC
• Business owners & freelancers — Section 44AD / 44ADA presumptive scheme, expense structuring, family salary planning
• Investors — capital-gains harvesting, Section 54 / 54F / 54EC exemptions on property and equity
• Startup founders — ESOP taxation, angel-tax planning, DPIIT recognition
• NRIs — DTAA relief, Form 15CA/15CB, TDS optimisation on rent and property sale
• HNIs — HUF creation, private trusts, gifting strategy, estate planning

Our tax-planning framework

1. Diagnostic — 60-minute review of last 2 ITRs, 26AS, AIS, salary structure and investments
2. Regime & slab optimisation — precise old-vs-new comparison for the current and next FY
3. Deduction map — 80C, 80CCD(1B), 80D, 80E, 80EEA, 80G, 80U, 80TTA/TTB — filled with the right instruments (ELSS, PPF, NPS, term/health insurance)
4. Capital-gains plan — LTCG harvesting, 54/54F/54EC bonds, indexation on unlisted assets
5. Salary restructuring — HRA vs home-loan interest, LTA, meal cards, driver, telephone, upskilling
6. Documentation — proofs, declarations to employer (Form 12BB), advance-tax schedule
7. Year-end review — February check-in to plug last-mile gaps before 31 March

Common wins we deliver

• ₹50,000 extra deduction via NPS 80CCD(1B) — often missed by salaried employees
• Regime switch that saves ₹40,000–₹80,000 in slab tax
• Section 54F exemption of long-term capital gains on shares by investing in a residential house
• 44ADA presumptive taxation halving effective tax for consultants and doctors earning up to ₹75L
• DTAA-based lower TDS (10% instead of 30%) on NRI rental income and dividends

Documents required

• Last 2 years' ITRs and computations
• Salary structure / business P&L and balance sheet
• Investment, insurance and loan statements
• Capital gains and property transaction details

Process & timeline

1. Week 1 — data review and regime comparison
2. Week 1 — written plan with actions, amounts and deadlines
3. Quarterly — advance tax review and course correction
4. Year-end — implementation check before 31 March

Why proactive tax planning?

Most Indian taxpayers overpay tax because they wait until March to think about it. Structured, year-long tax planning routinely saves salaried professionals ₹30,000–₹1.5 lakh and business owners much more — fully within the law.