We began by conducting a 360° tax health check, reviewing every income source, prior tax return, investment holding, and debt obligation. This diagnostic exercise revealed multiple missed opportunities, underutilized deductions, unclaimed exemptions, and inefficient capital gains handling. Leveraging this insight, we crafted a tailored tax optimization blueprint that fully utilized benefits under Sections 80C (investment-linked deductions), 80D (medical insurance), and 24 (home loan interest), while restructuring asset sales to reduce capital gains impact.
To future-proof the strategy, we realigned the client’s investment portfolio, introducing a balanced mix of tax-saving schemes, strategic real estate with interest deductions, and equity investments designed for favorable long-term capital gains treatment. We also introduced an advanced tax payment calendar to prevent penalties under Sections 234B and 234C, alongside a rolling 5-year projection model. This allowed for scenario-based planning, ensuring the client remained agile in response to evolving tax laws and market shifts.
Before & After Metrics
Metric | Before Engagement | After Engagement |
|---|
Annual Tax Liability | ₹42,00,000+ | ₹30,20,000 |
Deductions Claimed | Partial (~60%) | 100% of eligible limits |
Advance Tax Compliance | Irregular | On-time, 100% compliant |
Capital Gains Tax Exposure | High | Reduced by 40% |
By embedding compliance discipline into everyday financial decisions, the client not only achieved an immediate ₹11,80,000 tax saving (28% reduction) but also secured a sustainable, adaptable tax strategy that will deliver long-term benefits, providing both financial efficiency and peace of mind.
