Smart, Legitimate Tax Optimization
Keep more of what you earn. We help you navigate Old vs New tax regimes, optimize legitimate deductions, and structure portfolios to minimize capital gains tax.
Old Tax Regime vs. New Tax Regime (Sec 115BAC)
Choosing the correct tax regime each financial year can save you thousands in taxes.
| Feature | Old Tax Regime | New Tax Regime (Section 115BAC) |
|---|---|---|
| Tax Slabs & Rates | Higher tax slab rates (5%, 20%, 30%) | Lower concessional slab rates with higher standard deduction |
| Deductions Permitted | ✅ Section 80C, 80D, 80CCD, HRA, LTA, Home Loan interest (Sec 24b) | ❌ Most exemptions removed; Standard Deduction (₹75,000) & employer NPS allowed |
| Best Suited For | Individuals with home loans, substantial HRA, and high 80C/80D investments (total deductions > ₹3.75 - ₹4 Lakh) | Young professionals, early-career earners, or those without large home loans or rent deductions |
| Our Advisory Value | We run a comparative mathematical simulation for your exact salary/income to declare the lowest tax liability. | |
Maximizing Allowable Deductions
Key sections under the Indian Income Tax Act to build wealth while legally reducing tax incidence.
Section 80C (Up to ₹1,50,000)
ELSS mutual funds (highest wealth potential with 3-yr lock-in), EPF employee contribution, PPF, and principal repayment on home loans.
Section 80D (Health Insurance)
Claim up to ₹25,000 for self/family, plus an additional ₹50,000 for senior citizen parents' medical insurance premiums and preventive checkups.
Section 80CCD(1B) NPS (₹50,000)
Exclusive additional deduction of ₹50,000 over and above Section 80C for investments in National Pension System (NPS Tier 1).
Section 24(b) Home Loan Interest
Deduction of up to ₹2,00,000 per financial year against interest paid on a self-occupied housing loan under the Old Tax Regime.
Capital Gains Tax Rules
Equity LTCG (holding > 12 months) is taxed at 12.5% on gains exceeding ₹1.25 Lakh. STCG is taxed at 20%. Debt funds are taxed at slab rates.
Tax-Loss Harvesting
Offset taxable capital gains against realized short-term and long-term capital losses before the financial year ends on March 31st.