TAX PLANNING

Save Up to Rs.46,800 in Tax This Year with Smart Investments

Legal tax saving through 80C (ELSS, PPF, NPS), 80D (health insurance), and 80CCD(1B) (NPS top-up). We build a tax-saving investment plan that also serves your long-term goals.

Up to Rs.46,800

Tax Saved

80C Limit Rs.1.5L

ELSS, PPF, NPS

3-Year Lock-in

ELSS (Lowest in 80C)

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Tax Saving Snapshot

Annual IncomeRs.18 Lakhs

Tax Without PlanningRs.4,61,800

80C DeductionRs.1,50,000

80D (Health Ins)Rs.25,000

80CCD(1B)Rs.50,000

KEY FEATURES

Maximise Your Tax Savings Without Compromising Returns

ELSS: Market-Linked 80C Returns

ELSS (Equity Linked Savings Scheme) offers Section 80C deduction up to Rs.1.5 lakhs with only a 3-year lock-in. Returns are market-linked and have historically outperformed PPF over 5+ year periods.

Section 80D: Health Insurance Deduction

Health insurance premium for self (Rs.25,000), parents under 60 (Rs.25,000), and parents above 60 (Rs.50,000) are deductible under 80D. This is in addition to 80C — a separate deduction you must not miss.

NPS 80CCD(1B): Extra Rs.50,000 Deduction

NPS contributions up to Rs.50,000 under Section 80CCD(1B) are deductible over and above the Rs.1.5L 80C limit. This means up to Rs.2L in total NPS-related deductions are possible.

Avoid Last-Minute Tax Saving Mistakes

Investing in tax-saving products in March as a panic move leads to wrong product choices. We plan your tax saving from April, aligning 80C investments with your actual financial goals.

HRA, LTA, and Other Exemptions

We also review your salary structure for HRA, LTA, food allowance, and other components that can be claimed. Proper salary restructuring can save Rs.1–3 lakhs per year without changing your CTC.

Optimise Old Regime vs New Regime

We calculate your tax liability under both regimes and recommend the one that saves more. For most individuals with home loan + investments + HRA, old regime saves more. For those with few deductions, new regime may be better.

ELIGIBILITY

Who Should Review Their Tax Planning?

Anyone paying income tax in India — especially salaried individuals in the 20–30% tax bracket with room to utilise all available deductions.

✓Income tax filer with taxable income above Rs.5 lakhs
✓Salaried professionals not utilising full 80C limit
✓Individuals who have not enrolled in health insurance (missing 80D)
✓Those not contributing to NPS (missing 80CCD(1B) benefit)
✓Business owners and self-employed with complex deduction landscape
✓First-time tax filers who want to understand the system

Documents Required

✓PAN Card
✓Aadhaar Card
✓Last year's ITR and Form 16 (for review)
✓Investment statements (to see current 80C utilisation)
✓Health insurance premium receipts
✓Salary slip (for HRA and allowance review)

THE PROCESS

How It Works

Tax Situation Assessment

Share your income, existing investments, and tax paid last year. We identify gaps and opportunities within 30 minutes.

Tax Saving Plan

Receive a written plan: exact 80C product mix (ELSS + PPF + NPS), health insurance recommendation for 80D, NPS top-up for 80CCD(1B), and salary structure optimisation tips.

Set Up Tax-Saving Investments

We help you start ELSS SIPs, top up NPS, and set up health insurance — all in one session. Ideal to do in April so you invest throughout the year rather than rushing in March.

March Review and Filing Readiness

Final review in February-March to ensure all deductions are maximised. We compile your investment proofs and send the summary your tax CA needs for ITR filing.

Frequently Asked Questions

Which is better for 80C: ELSS or PPF?

ELSS offers market-linked returns (historically 12–16% over 5+ years) with only a 3-year lock-in. PPF offers guaranteed 7.1% with a 15-year lock-in. ELSS is better for investors with 5+ year horizon and tolerance for short-term volatility. PPF suits extremely conservative investors who prioritise capital safety over returns.

Can I invest more than Rs.1.5 lakhs in ELSS?

Yes, you can invest any amount in ELSS. The Rs.1.5 lakh cap is only the 80C tax deduction limit. Investments above Rs.1.5 lakhs do not provide additional 80C benefit but still earn market-linked returns. For amounts above Rs.1.5 lakhs, a regular equity diversified fund without lock-in may be more flexible.

What documents are needed to claim HRA exemption?

To claim HRA, you need: (1) Rent receipts or rental agreement, (2) Landlord's PAN if annual rent exceeds Rs.1 lakh, (3) Your HRA component amount from salary slip. HRA exemption is the least of: actual HRA received, 50% of basic (metro) / 40% (non-metro), or actual rent paid minus 10% of basic salary.

Should I choose old tax regime or new tax regime?

The new regime offers lower slab rates but no deductions. The old regime has higher slab rates but allows 80C, 80D, HRA, home loan interest, and standard deduction. Generally, if your deductions total more than Rs.3.75 lakhs (at Rs.15L income level), the old regime is better. We run the exact calculation for your income and deductions.

Can I change my tax regime every year?

Salaried individuals can switch between old and new regime every year at the time of ITR filing. Business owners and self-employed can switch only once in a lifetime from new to old regime. We advise which regime to choose each year based on your actual deductions.