Tax Consultation & Planning

    Expert guidance on Direct Taxes, GST, and Tax Planning strategies. Optimize your liabilities within the legal framework of the Income Tax Act.

    Comprehensive Tax Services

    ITR Filing & Compliance

    Timely filing of Income Tax Returns for Individuals (Salaried/Business), HUFs, and Partnerships. We ensure accurate reporting of income to avoid notices from the IT Department.

    Tax Planning (80C & Beyond)

    Maximize your take-home income by utilizing deductions under Sections 80C, 80D, 80CCD (NPS), and HRA exemptions. We help structure your investments to be tax-efficient.

    Capital Gains Advisory

    Guidance on Long Term (LTCG) and Short Term (STCG) capital gains from sale of property or equities. Advice on reinvestment options like Section 54 bonds to save tax.

    GST Services

    For business owners, we handle GST Registration, monthly/quarterly return filings, and reconciliation to ensure your business remains compliant.

    Key Tax Compliance Calendar

    31st July
    ITR Filing

    Due date for Individuals & Non-Audit cases.

    15th Each Quarter
    Advance Tax

    Installment payments to avoid interest penalty.

    31st March
    Tax Saving

    Deadline for 80C investments (ELSS, PPF, LIC).

    Monthly
    GST Returns

    GSTR-1 and GSTR-3B filings for businesses.

    Old Tax Regime vs. New Tax Regime

    FY 2026–27

    FeatureOld Tax RegimeNew Tax Regime
    Basic exemption limit₹2.5 lakh₹4 lakh
    Standard deduction for salaried individuals₹50,000₹75,000
    Section 87A rebateEffectively zero tax up to ₹5 lakh taxable incomeEffectively zero tax up to ₹12 lakh taxable income
    Common deductions like 80C, 80D, HRA and home loan interest on a self-occupied propertyAvailableNot available — this is the key trade-off
    Top rate30% above ₹10 lakh30% above ₹24 lakh
    Best suited forTaxpayers with significant 80C, 80D, HRA or home loan interest deductions that outweigh the new regime's lower ratesTaxpayers with few deductions to claim, who prefer simpler compliance

    The new regime is now the default, but which regime is actually better depends entirely on the individual's own deduction profile. The comparison should be recalculated every year rather than assumed.

    Once-a-Year Filing vs. Ongoing Tax Consultation

    A once-a-year filing usually suffices forOngoing consultation genuinely pays for itself for
    • Salaried individuals with a single Form 16 and standard deductions.
    • Investors with modest, infrequent capital gains.
    • No business or freelance income.
    • Straightforward, stable income from year to year.
    • Anyone with capital gains across multiple asset classes in a year.
    • PMS investors generating a real annual stream of realised gains.
    • Business owners and freelancers with GST obligations.
    • Anyone selling property or receiving a large one-off gain this year.
    • NRIs facing additional TDS, DTAA and repatriation considerations.

    Money n Wealth can help connect investment decisions with their tax consequences throughout the year, consolidate gains and income across products, and coordinate timely advice with tax professionals before a transaction becomes irreversible.

    Related Reading

    What a Proper Tax Consultation Relationship Covers Read Our Complete Tax Planning Guide

    Make Tax Planning a Year-Round Advantage

    Get a tailored review of your income, investments, deductions and upcoming transactions before deadlines dictate your choices.