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Tax Planning

Plan your taxes smartly to save more and grow your wealth. Discover legal strategies, best-in-class instruments, and practical steps tailored for Indian taxpayers.

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Why tax planning matters
  • Minimise tax legally and improve cash flow.
  • Align tax savings to long-term financial goals.
  • Use tax-efficient instruments that also deliver returns.
Quick action: submit investments before financial year-end to claim deductions for this year.

What is Tax Planning?

Tax planning is the proactive organisation of your finances to minimise tax liability within the law. It involves choosing the right combination of investments, insurance, and exemptions to optimise your tax outcome while supporting your broader financial goals—such as retirement, education, or buying a home.

Popular Tax-saving Options

Instrument What it does Tax benefit
PPF Long-term government-backed savings with guaranteed returns Deduction under Section 80C; tax-free maturity
ELSS (Mutual Funds) Equity mutual funds with short lock-in and growth potential Deduction under Section 80C; favourable long-term capital gains rules
Life Insurance Protection + savings (ULIPs, endowment, term for risk cover) Premiums eligible under Section 80C; maturity/death benefits may be tax-exempt
National Pension System (NPS) Retirement-focused investment with equity and debt exposure Additional deduction under Section 80CCD(1B) up to ₹50,000; other NPS deductions available
Health Insurance (Mediclaim) Cover for medical expenses Premiums deductible under Section 80D
NSC / Fixed Deposits Fixed-income instruments suitable for conservative investors NSC eligible for 80C; FD interest taxable (special 5-year tax-saving FDs available)

Quick Checklist

  • Reach 80C limit for savings & investments.
  • Buy/renew health insurance to claim 80D.
  • Consider NPS for additional retirement deduction.
  • Keep receipts & proofs for all investments.

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Popular Tools

Estimate Your Tax-saving Potential

This is a simple estimator to help you visualise how much of your contributions can be claimed as deductions. For precise tax calculations, consult a tax professional.

Total Declared Deductions: -

80C Applied (capped at ₹1,50,000): -

NPS Extra (80CCD(1B)): -

Taxable Income After Deductions: -

This estimator shows deductions and impact on taxable income; it does not replace detailed tax computation.