Tax desk
March is a month, not a strategy.
Every February, the same scramble: a random ELSS, an unwanted insurance policy, a PPF top-up at 11 p.m. We put your taxes on a year-round calendar-so saving tax and building wealth become the same activity.
- Old vs new regime on your real payslip
- 80C mapped to goals, not guilt
- CA-friendly documentation
Illustration · 30% slab
₹1.5 L in 80C → ₹46,800 saved
Same deduction, two very different outcomes
Illustrative at 30% slab plus cess. Regime choice changes the math-we compute both.
Sound familiar?
The annual tax panic, and what it costs
Tax is most families' biggest single expense-and the one planned with the least thought. Sound familiar?
The March panic buy
HR's proof deadline arrives and you grab whatever saves tax fastest-usually a policy you'll regret for 15 years.
What it costs you: Tax saved: ₹46,800. Wealth destroyed by a bad product: often more.
Old vs new regime confusion
Colleagues, YouTube and your CA all say different things. Nobody has run the comparison on your actual payslip.
What it costs you: The wrong regime can cost tens of thousands every single year.
80C treated as a shopping list
ELSS here, PPF there, an NPS someone opened-no connection to your goals, horizon or existing EPF.
What it costs you: You save tax but build a portfolio that serves no goal.
Capital gains surprises
You redeem funds for a goal and discover a tax bill that could have been planned around-or harvested legally across years.
What it costs you: Unplanned redemptions donate returns to the tax department.
How Saarthi Capital helps
Calm books, clean decisions
Tax planning is coordination: salary structure, deductions, investments and your CA-all rowing in the same direction, all year.
A tax calendar, not a tax season
Deductions mapped in April, investments spread across the year, proofs ready before HR asks. March becomes boring.
Regime comparison on real numbers
Old vs new computed from your actual salary, rent, investments and loans-revisited every year as rules change.
80C that builds wealth
ELSS, PPF, NPS and premiums mapped to goals you already have-so tax saving and investing become one activity.
CA-friendly documentation
Capital gains schedules, deduction summaries and estimates your chartered accountant can plug straight into filings.
The engagement
What we coordinate
01
Salary & regime review
Old vs new regime compared on your actual payslip-not rules of thumb.
02
Section 80C & beyond
ELSS, PPF, NPS, insurance and deductions mapped to your goals so tax saving builds wealth too.
03
Capital gains behaviour
Harvesting, holding periods and fund transitions planned with tax impact in view.
04
HRA, home loan & perks
Exemptions you're entitled to but not claiming, documented for your CA.
How it works
A calm workflow-on purpose
Clarity first, commitment second. Here is exactly what happens after you reach out.
01
April: map the year
Salary structure, expected income, existing deductions-one page.
02
Monthly: automate
ELSS SIPs and NPS contributions spread across the year, not dumped in March.
03
Quarterly: true-up
Bonuses, switches and redemptions checked for tax impact before they happen.
04
January: proofs ready
Everything summarised for HR and your CA-no scramble.
Free tools
Run the numbers before we talk
Stress-test every idea with our free calculators-then bring the numbers to a conversation.
Questions people ask us
Old regime or new regime-which is better for me?
It depends on your salary, rent, home loan and how much you invest under 80C, 80D and NPS. We run the comparison on your actual numbers every year-the answer changes as your life and the rules do.
ELSS vs PPF vs NPS for 80C?
ELSS has the shortest lock-in (3 years) and equity growth potential; PPF runs 15 years, guaranteed and tax-free; NPS adds an extra ₹50,000 deduction but locks till retirement with annuity rules. The right mix depends on your goals and slab-that's exactly what we map.
Do you file income tax returns?
No-filing is your CA's job, and we don't replace them. We make their job easy: clean capital-gains schedules, deduction summaries and investment proofs, ready before deadlines.
How does capital gains tax work on mutual funds?
Equity funds: gains above ₹1.25 lakh a year are taxed at 12.5% when held over a year, and 20% when shorter. Debt funds are taxed at your slab. Timing redemptions across financial years-and harvesting losses-can legally save significant tax.
I already have a CA. Why do I need you?
CAs see your taxes at filing time-after the decisions are made. We work the other eleven months: structuring investments and redemptions so there's less tax to file about. Your CA gets better inputs; you keep more money.
Start here
Stop scrambling every March
One conversation now saves a year of rushed, suboptimal 80C decisions. Let's put your tax plan on a calendar.
- Reply within 1 business day
- Discovery call before any product talk
- Everything documented over email
Prefer email? [email protected]