Tax Planning and Advisory
Decisions taken while the year is still running — regime choice, advance tax, capital gains timing and how your business is structured — rather than a scramble at filing time.
Tax planning is not what happens in March. By then almost every decision that affects your liability has already been made: how the business is structured, when an asset was sold, whether income sits in one hand or several, whether advance tax was paid on schedule. Planning is choosing those things deliberately, with the tax consequence known in advance, and doing it while there is still time to act differently.
The framework itself changed on 1 April 2026, when the Income Tax Act, 2025 replaced the 1961 Act and abolished "Assessment Year" in favour of a single Tax Year. Rates for individuals still run on two regimes. The new regime is nil up to ₹4 lakh, 5% to ₹8 lakh, 10% to ₹12 lakh, 15% to ₹16 lakh, 20% to ₹20 lakh, 25% to ₹24 lakh and 30% above, with a standard deduction of ₹75,000 on salary and pension. The old regime is nil up to ₹2.5 lakh, 5% to ₹5 lakh, 20% to ₹10 lakh and 30% above, with a higher nil threshold at ages 60 and 80, with a standard deduction of ₹50,000 but access to the deductions the new regime gives up.
Which is better is arithmetic on your numbers, not a general truth — and it changes as a home loan, rent or investments change. Under Section 156, the new regime carries a rebate of up to ₹60,000, taking tax to nil on taxable income up to ₹12 lakh, but that threshold is taxable income after the standard deduction, and it does not apply to income taxed at special rates such as capital gains. That last point is the most misread number in Indian tax, and it is why this page compares rather than recommends.
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If any of these describe where you are right now, this is the service you are looking for.
You are deciding between the new and old regime and want the comparison run on your actual figures.
Your income has changed materially this year — a raise, a new business, a property sale or a windfall.
You are paying advance tax and want the instalments right rather than paying interest at year end.
You are planning to sell property, shares or mutual funds and the timing is still yours to choose.
Your business is growing and the structure it started in may no longer be the efficient one.
You have been filing without ever reviewing whether the way your income is arranged still makes sense.
Everything handled, end to end
The full scope of the engagement, so there is nothing to discover halfway through.
Regime comparison on your numbers
Liability computed under both regimes on your actual income and deductions, with the working shown — repeated each year, because the answer moves as your circumstances do.
Advance tax projection and scheduling
Liability projected across the year and instalments planned to 15% by 15 June, 45% by 15 September, 75% by 15 December, 100% by 15 March, so you are not paying interest at 1% per month where advance tax paid is under 90% of the liability for a shortfall you could have seen coming.
Deduction and exemption review
What you are actually entitled to claim under your chosen regime, what you are claiming without support, and what you are entitled to and missing.
Capital gains planning
Holding periods, loss set-off and the timing of a sale reviewed before the transaction, since almost nothing about a capital gain can be improved after the deed is signed.
Salary structure review for employers
How a package is composed changes what it costs the employee, and it is decided at offer stage. We review structures for the employer and the effect on deduction under salary TDS.
Business structure review
Whether a proprietorship, partnership, LLP or company is the appropriate form for the scale you are at now, taking the compliance cost of each into account, not just the rate.
Presumptive taxation assessment
Whether the presumptive schemes under Sections 58 and 61 are open to you and whether they are actually advantageous, including the audit consequence of declaring below the presumptive rate.
Written recommendation you can act on
The review ends in a written note setting out the options, what each one implies and what we recommend — not a conversation you have to reconstruct later.
What you'll need to hand over
Collected once, at the start. We tell you which of these apply to your case before you gather anything.
For an individual review
- 01Last two years' returns with their computations
- 02Salary slips and the current year's projected package, for salaried clients
- 03Home loan statement showing principal and interest split
- 04Rent paid and the landlord's PAN, where house rent allowance is in play
- 05Details of existing investments, insurance and retirement contributions
- 06Bank and broker statements for interest, dividend and capital gains
For a business review
- 01Financial statements for the last two years, with the audit report where one applies
- 02Current year's management accounts or trial balance to date
- 03GST returns filed for the year, for turnover context
- 04Partnership deed, LLP agreement or memorandum and articles, as applicable
- 05Details of loans, directors' or partners' remuneration and related party transactions
- 06Fixed asset register, with additions planned for the year
Where a transaction is planned
- 01Purchase deed and improvement cost records for property being sold
- 02Contract notes and holding statements for shares and mutual funds
- 03Draft agreement or term sheet, where a sale or restructuring is being negotiated
- 04Details of losses carried forward from earlier years
The most useful thing you can send is early, not complete. A review run in the first half of the year can change decisions; the same review run in March can only describe them. Send what you have and we will tell you what is missing.
5 steps, start to finish
Where the work actually goes, and what we need from you at each stage.
Understand the position
We read your last two years' filings and your current-year position, so the advice starts from what you have actually been doing rather than from a template.
Confirm with us
Model the options
Both regimes computed, advance tax projected, and any planned transaction modelled for its tax effect — as numbers, side by side.
Confirm with us
Discuss and decide
We take you through what each option means, including the non-tax consequences. The decision is yours; our job is that you make it knowing the cost of each.
One session
Written recommendation
A note recording the options, the recommendation and the actions with their deadlines — so nothing depends on either side remembering the conversation.
Confirm with us
Implement and review through the year
Advance tax paid to schedule, decisions revisited when your circumstances change, and the position confirmed before the 31 July filing season rather than during it.
Through the year
What to expect, and what it costs
Timelines are indicative and depend on departmental processing and how quickly documents come back to us. Message us on WhatsApp for a written quote.
Enquire on WhatsApp- Advance tax instalments
- 15% by 15 June, 45% by 15 September, 75% by 15 December, 100% by 15 March
- Interest if advance tax falls short
- 1% per month where advance tax paid is under 90% of the liability
- Best window for planning to change anything
- First half of the tax year
- Return due date — salaried and simple income
- 31 July
- Return due date — audit cases
- 31 October
Professional fees
On request
Common questions
The questions we are actually asked about Tax Planning & Advisory. If yours is not here, ask us directly.
It depends on your numbers, and the honest answer is that nobody can tell you without them. The new regime runs nil up to ₹4 lakh, 5% to ₹8 lakh, 10% to ₹12 lakh, 15% to ₹16 lakh, 20% to ₹20 lakh, 25% to ₹24 lakh and 30% above; the old one keeps the deductions the new one gives up. Broadly the old regime can still win where a home loan, rent and long-standing investments stack up. We compute both and show you the figures.
Under the new regime, Section 156 gives a rebate of up to ₹60,000, taking tax to nil on taxable income up to ₹12 lakh. Two caveats decide whether it applies to you: that is taxable income after the standard deduction, and the rebate does not extend to income taxed at special rates, such as capital gains. Both are routinely missed, and both change the answer.
The flexibility differs between salaried individuals and those with business income, and choosing a regime with business income has consequences for later years. This is exactly the sort of point worth confirming for your own case before you commit, rather than after a return has been filed on the assumption.
Early in the year, while decisions are still open. By March the only remaining lever is usually a last-minute investment, which is the weakest form of planning and often a poor investment decision as well. Structure, timing and advance tax all have to be handled while there is a year left to run.
Interest at 1% per month where advance tax paid is under 90% of the liability under Section 424, the successor to Section 234B. The instalment schedule is 15% by 15 June, 45% by 15 September, 75% by 15 December, 100% by 15 March. For anyone with variable income the practical answer is to project quarterly rather than annually, because the interest accrues on the shortfall at each stage, not just at year end.
Sometimes, and sometimes it costs more than it saves once audit, filing and ROC compliance are counted. The rate is only one input; how you take money out of the company matters as much. We look at the full picture for your scale rather than comparing headline rates.
No. We tell you the tax effect of a category of investment and how it interacts with your regime choice, so you can decide with your financial adviser. Recommending products is regulated advice and a different service from tax planning — treat anyone offering both as one thing with caution.
No. Planning means arranging genuine affairs to use reliefs the law provides — choosing a regime, timing a sale, structuring a business. Arrangements that exist only to create a tax result are a different thing and attract anti-avoidance scrutiny. We work on the first side of that line and will say so when a suggestion crosses it.
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