TAX PLANNING
Optimize your tax liability through strategic investments in tax-saving instruments. We help you make the most of available deductions under Section 80C, 80D, and other provisions while building wealth.
Tax planning is the legal arrangement of your financial affairs to minimize tax liability while maximizing wealth creation. It's not about evading taxes—it's about using government-approved deductions, exemptions, and investment schemes to reduce your taxable income and save money.
Most salaried Indians overpay taxes because they don't plan properly. A ₹12 lakh annual income can have tax liability of ₹95,000 or ₹30,000—depending on how well you structure your investments. That's ₹65,000 saved annually, or ₹19.5 lakhs over 30 years! We help you save maximum tax while building long-term wealth through smart investments.
₹12 lakh income (old regime): Without planning = ₹95,000 tax. With planning = ₹30,000 tax. Save ₹65,000/year!
Section 80C: ₹1.5 lakhs deduction = ₹46,800 tax saved (at 31.2% rate)
NPS (80CCD): Extra ₹50,000 deduction = ₹15,600 tax saved
Health Insurance (80D): ₹25,000-50,000 deduction = ₹7,800-15,600 tax saved
Total potential savings: ₹70,000-80,000 per year through proper planning!
Tax-saving equity funds with 3-year lock-in. Save tax under 80C while building long-term wealth with 12-15% returns.
National Pension System offers extra ₹50k deduction. PPF gives tax-free interest with 7.1% returns and EEE status.
Term insurance, health insurance premiums qualify for deductions. Get coverage while saving tax under 80C and 80D.
Annual tax planning, HRA optimization, LTA claims, Form 12BB guidance, and choosing right tax regime for maximum savings.
Complete guide to all tax-saving opportunities available to you
The most popular tax-saving section. Investments and expenses eligible for deduction:
Additional deduction OVER AND ABOVE Section 80C limit by investing in National Pension System (NPS). Total deduction possible = ₹1.5L (80C) + ₹50k (80CCD) = ₹2 lakhs! This saves ₹15,600 extra tax at 31.2% rate. NPS is market-linked, offers equity/debt options, and builds retirement corpus.
Deduction for health insurance premiums paid:
Deduction on home loan interest paid:
Full interest paid on education loan is deductible. No upper limit! Available for 8 years from the year you start repayment. Applies to self, spouse, children, or student for whom you're legal guardian. Only interest qualifies, not principal.
Income that is completely exempt from tax:
Avoid these costly errors that result in overpaying taxes
Scrambling to invest in March to save tax. This forces you into poor investment choices—expensive insurance policies, low-return FDs, unsuitable products. Start planning in April itself. Spread investments monthly through SIPs for better returns and discipline.
ULIPs and endowment plans give 4-6% returns after charges—terrible wealth creation. Buy pure term insurance for protection (much cheaper) + ELSS funds for 80C deduction (12-15% returns). Don't mix insurance and investment.
Missing 80CCD(1B) benefit. This saves ₹15,600 tax at 31.2% rate. Even if you've exhausted ₹1.5L under 80C, invest in NPS for additional deduction. It's market-linked, flexible (equity/debt options), and builds retirement corpus.
Not claiming 80D for health insurance premiums. You need health coverage anyway—why not save tax too? ₹25k-50k deduction possible for self, plus another ₹25k-50k for parents. Many miss this entirely or under-utilize it.
Not comparing old vs new tax regime annually. Old regime has deductions but higher rates. New regime has lower rates but no deductions. Optimal choice depends on your investment behavior. We calculate which saves more for your specific situation.
Salaried employees miss HRA deduction by not having rent receipts/agreement. Or not claiming LTA (₹50k-1 lakh exemption) for family travel. These are tax-free allowances—use them! We guide on documentation needed for proper claims.
Our tax planning service ensures you use every available deduction legally while building wealth through optimal investments.
Get Personalized Tax PlanComprehensive approach to minimize tax while building wealth
Analyze your salary structure, allowances (HRA, LTA, special allowances), other income sources (interest, capital gains, rental). Calculate current tax liability under old and new regimes. Identify all eligible deductions you can claim.
Design investment strategy to maximize deductions: ₹1.5L in 80C (prefer ELSS for returns), ₹50k in NPS (80CCD), health insurance for 80D. Balance tax savings with wealth creation—not just FDs and insurance, but equity funds for long-term growth.
Compare old vs new tax regime for your situation. Old regime better if you invest ₹2+ lakhs annually in 80C/NPS/insurance. New regime better if you prefer simplicity and don't invest much. We calculate exact tax under both and recommend optimal choice.
Guide on maximizing HRA exemption (rent agreement, receipts). Plan LTA claims for family vacations. Restructure salary if needed—convert taxable allowances to tax-free components. Help with Form 12BB submission to employer for proper TDS calculation.
Actively monitor capital gains from stocks/mutual funds. Book losses before year-end to offset gains and reduce tax liability. Immediately reinvest in similar funds to maintain exposure. This tax-alpha can save 10-15% of gains amount.
Provide all necessary investment proofs, capital gains statements, and deduction documents. Guide on which ITR form to use (ITR-1, ITR-2, ITR-3). Review draft ITR for accuracy before submission. Ensure you claim every eligible deduction.
Review tax plan every April when new financial year begins. Adjust for salary changes, new income sources, changed tax laws. Optimize quarterly advance tax payments if applicable. Ensure you're always paying minimum tax legally.
See how much you can save with proper tax planning
Total Tax Payable
₹1,27,400
Total Tax Payable
₹62,400
Over 30 years = ₹19,50,000 saved + wealth built through investments!
Your ₹2.25 lakh investments not only save tax but also grow at 10-12% annually, creating massive wealth over time.
Get a free personalized tax savings plan and discover how much you can save this year.
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