Which regime should I choose - old or new?

Old regime usually wins for salaried earners with HRA + home-loan interest + 80C + 80D fully utilised. New regime tends to be better at lower incomes or where most income is non-deductible. We model both with your numbers.

Can I switch regimes year to year?

Salaried (no business income) can switch every year via the ITR itself. Business / professional income filers can switch only once back to old, then are locked into new. We track the implication before you decide.

When should tax planning start?

Day 1 of the financial year (1 April). Most people start in February, leaving only a few weeks - which forces panic investments. Year-long planning compounds the gains.

Tax Planning

Plan your tax - before the year ends, not in July.

Tax planning is the legal optimisation of income, deductions, investments and entity structure before the financial year closes. We model your old-vs-new regime, optimise 80C / 80D / NPS / HRA / home-loan interplay, and structure salary, business or capital-gains income for the lowest legal tax outflow.

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Qualified CA / CS partners1-2 weeks engagementBest for: Salaried, business owners, founders, NRIs

Starting at

₹4,999 onwards

Tax Planning

Salaried, business owners, founders, NRIs

Old vs new regime modelling

Salary, business & capital gains optimisation

Investment-led deductions (80C, 80D, NPS, 80G)

Year-round advance tax + TDS plan

Timeline

1-2 weeks engagement

What it is

Tax Planning, explained in plain English.

Tax planning is the proactive design of your income, investments and structure so you pay the lowest legal tax. It is not about claiming fake deductions - that's evasion. The Income Tax Act has explicit incentives: regime choice, Section 80 deductions, capital-gains exemptions (54, 54F, 54EC), HRA-vs-home-loan interplay, NPS Section 80CCD(1B) and family-level structuring via HUFs and gifts.

TL;DR

Choose regime + maximise eligible deductions + structure income smartly + plan capital-gains reinvestments. Avoidance is legal, evasion is not.

Key terms

The vocabulary you'll see on the portal.

Old regime

Allows deductions and exemptions - 80C, 80D, HRA, LTA, NPS, home loan interest, etc.

New regime (default)

Lower slab rates but limited deductions; default from FY 2023-24, opt-out via Form 10-IE / 10-IEA.

Section 80C

Up to Rs 1.5 lakh - PPF, ELSS, life insurance, principal home-loan, etc.

Section 80CCD(1B)

Extra Rs 50,000 NPS deduction over and above 80C - available only in old regime.

Section 54 / 54F

Capital-gains rollover into a new house property - up to Rs 10 crore.

Routes & scenarios

Match the situation to the right fix.

Salaried-only planning

Optimise CTC structure, regime choice, HRA, LTA, NPS and 80C inflows.

Old vs new regime modelling
Salary restructuring (HRA, NPS employer, LTA)
Section 80C + 80D + 80CCD(1B) maxout
Deduction calendar with cut-off reminders

Business / professional

Entity choice, depreciation policy, partner remuneration, expense classification.

Presumptive vs regular books
Section 32 depreciation optimisation
Partner remuneration under 40(b)
Bonus / dividend / loan-to-director call

Capital gains & wealth

Exit planning, reinvestments and intergenerational structuring.

Section 54 / 54F / 54EC roll-over
Loss harvesting (within VDA / outside)
Family trust / HUF structuring
Gift + clubbing-rule navigation

The process

Tax Planning - from kickoff to confirmation.

Discovery

30-60 minute call to map income sources, family situation, life-goals and risk appetite.

Model

Old-vs-new regime quantified, sensitivity to incremental investments built, target deductions identified.

Action plan

12-month deduction calendar - PPF / NPS / ELSS / insurance / 54EC bonds - mapped to your cash flows.

Year-round support

Quarterly advance tax review, regime-switch reminders, capital-gains harvesting alerts before 31 March.

Documents required

What we'll need from you.

Upload via our secure portal. We pre-check every scan before filing - cuts portal rejections by ~90%.

Last 2 years' ITR + computation

Form 16 / Form 16A / 26AS / AIS

Investment statements (MF, FD, PPF, NPS, etc.)

Home / education loan statements

Insurance and 80D premium receipts

Business P&L (if applicable)

Tax Planning FAQ

Common questions, answered by partners.

Still unsure if Tax Planning is right for your case? Book a free 20-minute consult - a senior CA / CS will walk you through your specifics.

Still have questions?

Book a free 20-minute consult with a senior partner - we'll walk through your case and outline next steps.

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Yes - it is the legal optimisation of taxes using the Income Tax Act's own incentives. Tax planning is legal; tax avoidance (artificial structures) is grey; tax evasion (concealment) is illegal.

Ready when you are

Let's get your Tax Planning sorted this week.

A senior CA / CS will get on a call with you, confirm scope and start the work - usually within 24 hours.

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