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Tax Optimisation

Keep more of what
you earn — legally.

Most professionals overpay their taxes by ₹50,000–₹3L every year — not because they earn too much, but because nobody showed them the full picture of legal deductions available to them.

Estimate My Tax Saving Book Free Consultation
₹2.5L
Avg. tax saved per client/yr
100%
Legal strategies only
₹46L+
Tax saved for clients in FY25
Section 80C
ELSS Funds
NPS Deduction
HRA Exemption
80D Health Insurance
Capital Gains Harvesting
Home Loan Benefits
New vs Old Regime
Section 80C
ELSS Funds
NPS Deduction
HRA Exemption
80D Health Insurance
Capital Gains Harvesting
Home Loan Benefits
New vs Old Regime
The Problem

You are paying more tax
than you legally owe.

The Indian tax code is built with dozens of legal deductions — most salaried professionals use barely 2 or 3 of them. Here is what is silently draining your wealth.

📋
Only using 80C
Most people stop at ₹1.5L under Section 80C and think they've optimised. In reality, you're leaving 80D, 80CCD(1B), 24(b), HRA, LTA, and more entirely unused.
🏛️
Wrong tax regime choice
Old vs. new regime — most people pick one arbitrarily or let their employer decide. For many ₹15–25L earners, the wrong choice costs ₹40,000–₹80,000 annually.
📊
Untaxed capital gains
Selling mutual funds without understanding LTCG indexation, STCG rates, or tax-loss harvesting windows costs investors significantly more than necessary at redemption time.
🏠
Underusing home loan benefits
Section 24(b) allows ₹2L deduction on home loan interest. Section 80C allows another ₹1.5L on principal. Many homeowners aren't claiming even a fraction of this.
💊
Missing health insurance deductions
₹25,000 for self + ₹50,000 for senior citizen parents under Section 80D. Most people either don't have adequate cover or don't claim it. Double loss.
🔮
No NPS tax strategy
Section 80CCD(1B) offers ₹50,000 additional deduction beyond 80C limits, exclusively for NPS contributions. This is one of the highest-ROI tax actions available — and most ignore it.
Available Deductions

Every legal avenue
we optimise for you.

A full-spectrum review of all applicable deductions — not just the obvious ones. This is what separates a tax plan from a tax return.

Section 80C
ELSS / PPF / EPF
Up to ₹1,50,000
The foundational deduction. We ensure you maximise it with ELSS funds that also give equity market returns alongside tax saving.
Old Regime
Section 80CCD(1B)
NPS Additional Deduction
Up to ₹50,000
Over and above 80C. One of the most underused tax benefits for salaried professionals in the 30% bracket. Pure additional saving.
Old Regime
Section 80D
Health Insurance Premium
Up to ₹75,000
₹25K for self/family + ₹50K for senior citizen parents. We help you structure the right cover to maximise both protection and the deduction.
Old Regime
Section 24(b)
Home Loan Interest
Up to ₹2,00,000
Interest paid on home loans for self-occupied property. Combined with principal repayment under 80C, homeowners have massive tax advantages most miss.
Old Regime
HRA Exemption
House Rent Allowance
Depends on salary structure
Calculated as minimum of: actual HRA, 50%/40% of basic (metro/non-metro), or actual rent minus 10% of basic. We optimise your salary structure to maximise this.
Old Regime
Capital Gains Strategy
LTCG Harvesting & Indexation
₹1.25L LTCG tax-free / year
Strategic booking of long-term gains annually within the ₹1.25L exemption limit. Tax-loss harvesting in Dec–Jan. Debt fund indexation planning. We handle all of it.
Both Regimes
Tax Saving Estimator

How much tax could
you save this year?

Enter your income and toggle the deductions you currently use. We'll show your tax liability and potential savings. Old Regime calculation (FY 2024–25).

Your Income & Deductions
₹
₹
Toggle Deductions You Are Using
Section 80C (ELSS / PPF / EPF)
₹1,50,000
Section 80CCD(1B) — NPS
₹50,000
Section 80D — Health Insurance
₹25,000
80D — Senior Citizen Parents
₹50,000
Section 24(b) — Home Loan Interest
₹2,00,000
Standard Deduction (Salary)
₹75,000
Tax You Could Save
₹0
by activating all available deductions
Taxable Income (Current)
—
Taxable Income (Optimised)
—
Tax Payable (Current)
—
Tax Payable (Optimised)
—
Old Regime Tax Bracket Breakdown (Optimised)
0–3L (Nil)
0%
3–6L (5%)
5%
6–9L (10%)
10%
9–12L (15%)
15%
12–15L (20%)
20%
15L+ (30%)
30%
⚠ Based on Old Tax Regime FY 2024–25 slabs. Includes 4% Health & Education Cess. Excludes surcharge. This is indicative — consult a tax advisor for your precise liability.
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Tax Intelligence

Where most salaried
professionals overpay.

Maximum Deductions Available
Legal deductions a ₹20L salaried professional can claim (Old Regime)
Section 80C
₹1.5 L
80CCD(1B)
₹50K
80D (Self)
₹25K
80D (Parents)
₹50K
Section 24(b)
₹2 L
Std. Deduction
₹75K
Old vs. New Regime — Who Wins?
Tax payable comparison at ₹20L gross income
New Regime
₹2.49 L
Old (basic)
₹3.12 L
Old (optimised)
₹91K
Maximum Saving vs. Unoptimised Old Regime
₹2.21 L / year
compounding over 20 years at 12% = ₹1.98 Cr of additional wealth
Every rupee saved in tax
is a rupee compounding for you.
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