Legal Tax Savings

Smart Tax Planning
That Saves You Money

Pay only what the law requires β€” nothing more. Our Chartered Accountants design personalised tax strategies using every legitimate deduction, exemption, and investment tool available to you under the Income Tax Act.

Call +91 91201 39813 Book a Consultation
Tax Planning vs Tax Filing
Most people only think about tax at filing time. The biggest savings happen through proactive planning β€” before the financial year ends.

πŸ’‘ The difference between tax planning and tax evasion: Planning uses legal provisions of the Income Tax Act to reduce your liability. We identify every eligible deduction and exemption to ensure you pay the minimum tax the law requires β€” not a rupee more.

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Salaried Individuals

Optimise HRA, LTA, NPS contributions, home loan interest, and investment deductions. Decide between old vs. new tax regime to choose what gives you the maximum benefit.

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Business Owners

Business expense structuring, depreciation planning, timing of income and deductions, and selection of appropriate business structure to minimise corporate tax outflow.

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Investors & HNIs

Capital gains planning β€” timing of asset sales, tax-loss harvesting, indexation benefit, ELSS investments, and offshore/NRI tax structuring for high-net-worth individuals.

Key Deductions We Identify for You
There are over 50 deductions available under the Income Tax Act. Most taxpayers claim fewer than 10.
Section 80C

Investment Deductions

PPF, ELSS, LIC premium, NSC, 5-year FD, tuition fees, home loan principal.

Up to β‚Ή1,50,000
Section 80D

Health Insurance

Medical insurance premium for self, family, and parents. Additional deduction for senior citizen parents.

Up to β‚Ή75,000
Section 80CCD(1B)

NPS Contribution

Additional deduction for National Pension System contributions over and above 80C limit.

Up to β‚Ή50,000
Section 24(b)

Home Loan Interest

Interest on housing loan for self-occupied or let-out property.

Up to β‚Ή2,00,000
Section 10(13A)

HRA Exemption

House Rent Allowance exemption for salaried employees paying rent β€” calculated on actual, 50%/40% of basic, or HRA received.

As applicable
Section 80G

Charitable Donations

Donations to approved charitable trusts and funds β€” 50% to 100% deduction depending on the institution.

50%–100% deduction
Section 80E

Education Loan

Full deduction on interest paid on education loan for higher studies β€” for 8 consecutive years.

No upper limit
Section 54 / 54F

Capital Gains Exemption

Reinvestment of long-term capital gains from property or assets into a new residential property.

Full exemption
Our Tax Planning Process
1

Income & Financial Profile Review

We review your income sources, existing investments, family situation, and financial goals to understand your complete tax picture.

2

Tax Liability Computation (Current vs. Optimised)

We compute your tax liability as-is and compare it to what you would pay with optimised planning β€” showing you the exact savings achievable.

3

Personalised Tax Saving Strategy

A detailed plan is prepared recommending specific investments, expense restructuring, and timing decisions tailored to your income level and goals.

4

Old Regime vs. New Regime Analysis

We run a complete comparative computation to determine which tax regime gives you the lower liability β€” and advise on switching if beneficial.

5

Year-Round Advisory

Tax planning is not a one-time event. We provide ongoing advisory β€” reminders on investment deadlines, advance tax due dates, and mid-year adjustments.

Frequently Asked Questions
What is the difference between the old and new tax regime?
The new tax regime offers lower slab rates but eliminates most deductions (80C, HRA, etc.). The old regime has higher rates but allows all deductions. For most salaried individuals with investments and home loans, the old regime is more beneficial. We run the calculation for you.
When is the best time to start tax planning?
Ideally at the start of the financial year (April). However, planning done even in January–March still saves significant tax. The most important thing is to plan before March 31 β€” investments must be made before year-end.
Can a business owner reduce tax through salary structuring?
Yes. Business owners who are also directors of their company can optimise salary components β€” HRA, LTA, meal allowance, vehicle, phone reimbursements β€” to reduce personal income tax significantly.
What is advance tax and how does it work?
If your total tax liability exceeds β‚Ή10,000 in a year, you must pay advance tax in quarterly instalments (June, September, December, March). Failing to do so attracts interest under Section 234B and 234C. We manage this for you.

Start Saving on Taxes This Year

A one-hour consultation can save you lakhs. Talk to our CA today.

Call Us
+91 91201 39813
Email
info@taxexpertindia.in
Office
B-128, Sector 2, Noida
Book Consultation on Homepage β†’