Tax Planning Advisory in Katihar

Local jurisdiction

Registrar (RoC)

RoC Patna — Maurya Lok Complex, Block-A, Western Wing, 4th Floor, Dak Bungalow Road, Patna – 800001

Jurisdictional HC

Patna High Court

GSTIN prefix

10 (Bihar)

Professional Tax

Bihar levies Professional Tax (max ₹2,500/year). Applicable to companies employing salaried staff.

Business hubs

Jute & Maize Trade, Railway Junction, Agri Mandi

Katihar is a Seemanchal jute, maize, and railway-junction trade town.

Also in: Purnia Bhagalpur

Tax planning advisory is the legal arrangement of your income, investments and expenses to minimise tax under the Income-tax Act — it is planning, not evasion. As an ongoing, year-round service it covers the core decision between the new regime (default, nil tax up to ₹12 lakh for a resident individual via the enhanced Section 87A rebate) and the old regime with 80C/80D/80CCD(1B) deductions, plus capital-gains timing, salary and HUF structuring, and advance-tax forecasting. It suits salaried individuals, professionals and businesses who want to pay less tax legally.

₹12L

Nil-tax slab (new regime)For FY 2025–26 a resident individual pays nil tax on taxable income up to ₹12 lakh under the new regime via the enhanced Section 87A rebate — about ₹12.75 lakh for the salaried after the ₹75,000 standard deduction.

Understand It

What Is Tax Planning Advisory?

A quick, plain-language explanation before the details.

In simple terms

Tax planning advisory is a year-round service that arranges your income, investments and expenses — legally — so you claim every eligible deduction and exemption and pay the least tax the Income-tax Act allows.

Legally

It applies the Income-tax Act, 1961 — the regime choice under Section 115BAC, Chapter VI-A deductions (80C, 80D, 80CCD(1B), 80E), capital-gains reliefs (Sections 54/54F/54EC), the Section 87A rebate and advance-tax provisions — to your specific facts. It is legitimate tax planning, distinct from evasion.

Governing authority

Guided by the Income Tax Department framework via the e-filing portal (incometax.gov.in), with our CA & CS panel interpreting the current Finance Act, rules and circulars.

Validity

Advisory is ongoing across the financial year — best started in April and revisited at each advance-tax date — rather than a one-time return-filing exercise.

Service Intelligence

Quick Facts

Professional Fee

Custom quote

Governing Law

Income-tax Act 1961

Regimes Compared

Old vs New

Mode

100% Online

Authority

Income Tax Dept

Assessment Year

AY 2026–27

Engagement

Year-round advisory

Deliverable

Written action plan

Legal & Regulatory Framework

Act

Income-tax Act, 1961

Regime

Section 115BAC

Key Reliefs

80C · 80D · 87A · 54

Authority

Income Tax Dept

Portal

incometax.gov.in

Last Reviewed

17 Aug 2026

Before You Start

Is This Service Right for You?

Ideal for

Salaried individuals unsure whether old or new regime saves more
Professionals — doctors, consultants, freelancers weighing 44ADA vs deductions
Business owners planning advance tax, depreciation and legitimate expenses
Investors timing equity, mutual-fund and property gains
Property sellers planning 54/54F/54EC reinvestment reliefs in advance
Families and HUFs spreading income across slabs within clubbing rules

You may need this if

You are unsure which tax regime saves you more this year
You want to plan 80C/80D/80CCD(1B)/HRA deductions before year-end, not miss them
You expect capital gains and want to time or reinvest them tax-efficiently
You are a promoter deciding on salary versus dividend remuneration
You need to forecast and schedule advance-tax instalments
You want a written, year-round plan rather than last-minute March tips

Not sure if you need this?

Talk to an Expert →

Why It Matters

Why Tax Planning Advisory is Important

Planned early and reviewed through the year, tax advisory lets you legally minimise tax, use every deduction and stay compliant. Here is why it matters.

01

Pick the Right Regime

New (default) vs old regime compared on your actual numbers — nil tax up to ₹12 lakh under the new regime for FY 2025–26, or the old regime where deductions win.
02

Use Every Deduction

Old-regime Chapter VI-A — 80C (₹1.5L), 80D, 80CCD(1B) NPS (₹50K), 80E and HRA — planned ahead, not missed at the last minute.
03

Plan Capital Gains

Harvest the ₹1.25 lakh LTCG exemption and use Section 54/54F/54EC reinvestment reliefs to cut gains tax legally.
04

Structure Remuneration

Restructure CTC — HRA, LTA, employer NPS and reimbursements — and plan promoter salary versus dividend to lower taxable income.
05

Split Family Income

Use HUF and family investments to spread income across slabs, within clubbing rules — fully legal.
06

Forecast Advance Tax

Estimate liability and schedule the 15 Jun / 15 Sep / 15 Dec / 15 Mar instalments to avoid 234B/234C interest.

Transparent

Simple, Transparent Pricing

Custom quote for your case

Fees depend on your business type and scope. Get a clear, itemised quote upfront — no hidden professional charges, government fee billed at actuals.

Get a Free Quote WhatsApp

Eligibility

Who Can Apply?

Salaried individuals & pensioners

Professionals — doctors, consultants, freelancers

Business owners, proprietors & partners

Investors in equity, mutual funds & property

Promoters planning salary vs dividend

Families & HUFs spreading income legally

Eligibility checklist

A valid PAN linked with Aadhaar (an unlinked PAN becomes inoperative)
A clear picture of all your income sources for the financial year
Details of existing investments, insurance, loans and NPS contributions
Salary / CTC structure, or business and professional income figures
Expected capital gains — equity, mutual funds or property — during the year
Willingness to plan early (April onward) rather than at the March deadline

End-to-End

Everything You Need. One Professional Team.

01

Discovery Consultation

Understand your income sources, goals, investments and liabilities.

02

Regime Comparison

Compute tax under both the old and new regimes on your actual numbers.

03

Deduction Planning

Map 80C, 80D, 80CCD(1B) NPS, 80E, HRA and home-loan interest ahead of time.

04

Capital Gains Strategy

Time gains to use the ₹1.25L LTCG exemption and plan 54/54F/54EC reliefs.

05

Salary & Remuneration

Restructure CTC and plan promoter salary versus dividend legally.

06

Family & HUF Structuring

Spread income across the family and HUF within clubbing rules.

07

Advance-Tax Forecast

Estimate liability and schedule each quarterly instalment.

08

Written Action Plan

Deliver a clear, year-end plan with numbers, plus follow-up support.

No Ambiguity

What You’ll Receive

Old vs new regime comparison on your numbers

Year-round deduction plan (80C/80D/80CCD(1B)/HRA)

Capital-gains & investment timing advice

Salary & HUF income structuring notes

Advance-tax forecast & instalment schedule

Written year-end action plan with numbers

Regime-opt-out guidance (Form 10-IEA where applicable)

Post-plan follow-up support

Checklist

What Information Do We Need to Plan Your Tax?

Requirements are grouped by income, investments/deductions and capital gains. Keep clear scans (PDF/JPG) ready — everything is collected securely online, and the fuller the picture, the sharper the plan.

Choose an information group

Income & Salary

What you earn

5 documents

Salary slips / CTC structure or Form 16
Form 26AS (tax credit statement)
AIS / TIS (Annual Information Statement)
Business or professional income & expense summary
Bank statements for the financial year

Plan in April, not March

The best planning happens at the start of the financial year, so investments, advance tax and capital-gains timing all fall in the right year — instead of a last-minute rush before 31 March.

Both regimes compared

The new regime is the default; the old regime is needed to claim 80C/80D-type deductions. We compute both on your actual numbers before recommending one.

PAN must be Aadhaar-linked

An unlinked PAN becomes inoperative, triggers higher TDS and disrupts even a good plan. Ensure PAN–Aadhaar linking is done.

Planning, not evasion

Every lever we use is provided by the Income-tax Act. We keep the whole plan on the right side of the law — no under-reporting or misreporting.

Don’t have all the documents?

We’ll identify what your case needs →

Step by Step

How Tax Planning Advisory Works (Step by Step)

The entire engagement is 100% online and confidential, with a written plan you can act on and revisit through the year.

01

Discovery Call

Understand your income sources, goals, investments and liabilities.

02

Data Review

Collect salary/CTC, Form 26AS, AIS, investment and loan details.

03

Regime & Deduction Analysis

Compute old vs new regime; map 80C/80D/80CCD(1B)/HRA.

04

Capital Gains & Timing Plan

Plan gain harvesting, 54/54F/54EC reliefs and the advance-tax schedule.

05

Written Action Plan

Deliver a clear year-end plan with numbers.

06

Year-Round Review

Revisit the plan at each advance-tax date and on any change in income.

How Long It Takes

How Long Does a Tax Planning Engagement Take?

Stage	Expected Time
Discovery call & data collection	Day 1–2
Regime, deduction & capital-gains analysis	Day 2–4
Written action plan delivered	Day 5–7

A first plan is typically ready within 3–7 working days once details are complete. Because this is a year-round advisory, the plan is then revisited at each advance-tax date (15 Jun / 15 Sep / 15 Dec / 15 Mar) and on any material change in your income.

Compliance Calendar

Key Dates — At a Glance

Frequency	What Is Due
Apr–Jun	Fix the regime for the year · Start SIPs / 80C and NPS contributions · Set the advance-tax estimate
Quarterly	Advance tax — 15 Jun, 15 Sep, 15 Dec, 15 Mar · Review income against the estimate · Adjust the plan for new income or gains
Capital-Gains Events	Time equity / property sales across FYs · Harvest the ₹1.25L LTCG exemption · Plan 54/54F/54EC reinvestment
Before 31 March	Complete 80C/80D investments · Finalise deductions and documents · Confirm the plan before FY close

Dates are indicative and may change with government notifications. Our team tracks every deadline so you never miss a filing.

Why Outsource

Doing It Yourself vs TaxClue

Doing It Yourself

Compare tax under both old and new regimes yourself
Track every Chapter VI-A deduction without missing any
Time capital gains to use the ₹1.25L LTCG exemption
Plan 54/54F/54EC reinvestment before you sell
Restructure salary or promoter remuneration correctly
Forecast and schedule advance-tax instalments
Risk paying more tax, or 234B/234C interest, on errors

With TaxClue

CA compares both regimes on your actual numbers
Every eligible deduction planned ahead, not missed
Capital gains timed and reinvestment reliefs planned
Salary, dividend and HUF income structured legally
Advance tax forecast and instalments scheduled
A written year-round plan you can act on
Fully legal planning with follow-up support

Skip the guesswork.

Let an expert handle it →

Avoid Delays

Common Mistakes That Delay Your Application

Choosing a regime without comparing both on real numbers

Leaving 80C/80D/80CCD(1B) to the last week of March

Selling equity or property without planning capital-gains timing

Missing Section 54/54F/54EC reinvestment reliefs

Ignoring salary structuring — HRA, LTA and employer NPS

Skipping advance-tax instalments and paying 234B/234C interest

Confusing legal planning with under-reporting income

Planning only at year-end instead of from April onward

TaxClue reviews your documents before filing to reduce avoidable errors.

Stay Compliant

What a Year-Round Advisory Looks Like

Apr–Jun

Fix the regime for the year
Start SIPs / 80C and NPS contributions
Set the advance-tax estimate

Quarterly

Advance tax — 15 Jun, 15 Sep, 15 Dec, 15 Mar
Review income against the estimate
Adjust the plan for new income or gains

Capital-Gains Events

Time equity / property sales across FYs
Harvest the ₹1.25L LTCG exemption
Plan 54/54F/54EC reinvestment

Before 31 March

Complete 80C/80D investments
Finalise deductions and documents
Confirm the plan before FY close

Risk Assessment

Penalties & Consequences

What is at stake if you do not comply

Choosing a regime without comparing both on real numbers overpays tax
Leaving 80C/80D/80CCD(1B) to March misses deductions permanently
Surcharge above ₹50 lakh without marginal relief overtaxes the extra income
Selling equity or property without timing forfeits capital-gains reliefs
Skipping advance-tax instalments attracts 234B/234C interest

Latest Updates

Regulatory Updates 2025–26

FY 2025-26: Under the default new regime, a resident individual pays nil tax up to ₹12 lakh total income via the enhanced Section 87A rebate.
2025: The Income-tax Act, 2025 takes effect from 1 April 2026 (AY 2026-27).

The Difference

Why Businesses Choose TaxClue

01

CA / CS Team

Qualified Chartered Accountants and Company Secretaries with deep tax expertise plan your year.

02

Legal, Never Evasion

Every lever is drawn from the Income-tax Act — planning that stays firmly within the law.

03

Plan on Record

A written action plan with numbers you can act on, not verbal tips.

04

100% Online

Everything over WhatsApp / email — no office visits ever required.

05

Transparent Fees

A clear, custom quote confirmed after a quick scope check — no hidden charges.

06

Year-Round Support

The plan is revisited through the year, not left at one consultation.

Data Care

Your Documents Deserve Professional Care

Documents handled by professionals under confidentiality
Access limited to the team working on your plan
Communication over secure digital channels
Documents retained only as long as needed for the engagement

Answers

Frequently Asked Questions

Is tax planning legal in India?

Yes. Tax planning means arranging your income, investments and expenses to reduce tax using the deductions, exemptions and reliefs the Income-tax Act itself provides. It is completely legal, unlike tax evasion, which hides or misreports income and attracts penalties and prosecution.

How is tax planning advisory different from just filing my return?

Return filing records what has already happened for one year. Tax planning advisory is a year-round, forward-looking service — it decides your regime, deductions, capital-gains timing, remuneration and advance tax before the year ends, so the eventual return is already optimised. It is broader and ongoing rather than a one-time exercise.

Should I choose the old or new tax regime for FY 2025–26?

The new regime is the default and gives nil tax up to ₹12 lakh for a resident individual through the enhanced Section 87A rebate, but allows almost no deductions. The old regime lets you claim 80C, 80D, 80CCD(1B), HRA and home-loan interest. We compute tax both ways on your actual numbers and recommend the lower one.

How much income is tax-free under the new regime this year?

For FY 2025–26 a resident individual pays nil tax on taxable income up to ₹12 lakh under the new regime because of the enhanced Section 87A rebate. For the salaried it works out to about ₹12.75 lakh after the ₹75,000 standard deduction.

Which deductions can I plan for under the old regime?

Chapter VI-A deductions such as Section 80C (up to ₹1.5 lakh on PPF, ELSS, life insurance, EPF, principal repayment), 80D health insurance, 80CCD(1B) extra ₹50,000 for NPS, 80E education-loan interest, HRA and home-loan interest — all available only if you opt for the old regime.

How can I legally reduce tax on capital gains?

You can harvest gains up to the ₹1.25 lakh long-term exemption on listed equity each year, time sales across financial years, and reinvest property or asset gains under reliefs like Section 54, 54F or 54EC bonds. We plan this before you sell, not after.

What is the difference between tax planning and tax evasion?

Tax planning uses legal deductions, exemptions and timing to lower tax. Tax evasion hides income, inflates expenses or misreports figures — that attracts penalty under Section 270A (50% to 200% of tax) and can lead to prosecution. We only ever do legitimate planning.

Can salaried employees really save tax by structuring salary?

Yes. Reorganising CTC into HRA, LTA, employer NPS contribution (80CCD(2)) and tax-efficient reimbursements can lower taxable salary in the old regime. The right structure depends on your rent, city and investments, which we review individually.

How do promoters plan salary versus dividend?

For a promoter drawing from a company, salary is deductible for the company but taxed in your hands at slab rates, while dividends are taxed at slab rates without a company deduction and may attract TDS. The right mix depends on the company’s profits, your other income and the applicable rates — we model both and recommend a tax-efficient split.

When is the best time to start tax planning?

At the start of the financial year in April, not in March. Early planning lets you spread 80C investments, choose the right regime, schedule advance-tax instalments and time capital gains — instead of a last-minute rush before 31 March.

How does advance-tax planning fit in?

If your tax liability after TDS exceeds ₹10,000 in a year, advance tax is payable in four instalments (15 Jun, 15 Sep, 15 Dec, 15 Mar). We forecast your liability and schedule each instalment so you avoid interest under Sections 234B and 234C.

Do you charge a fixed fee for tax planning advisory?

This is a lead-gen advisory service, so the fee depends on the complexity of your income and the scope of the engagement. We share a custom quote after a quick, free consultation — with no hidden charges.

How do I choose between the old and new tax regime?

Add up your deductions — 80C, 80D, 80CCD(1B), HRA and home-loan interest under Section 24(b). If they are large (typically ₹3.5–₹4 lakh or more), the old regime often wins; if small, the new regime with nil tax up to ₹12 lakh for FY 2025–26 (via Section 87A rebate) usually wins. We compute both on your actual numbers and recommend the lower-tax option each year.

Can I use a professional presumptive scheme to reduce tax and compliance?

If you are a specified professional with gross receipts up to ₹50 lakh (₹75 lakh where cash receipts are within 5%), Section 44ADA lets you declare 50% of receipts as income without maintaining detailed books or a tax audit. Small businesses can use Section 44AD (6%/8% of turnover up to ₹3 crore). We assess whether presumptive taxation lowers your overall tax and compliance.

How should investors plan capital gains within a tax plan?

Harvest listed-equity LTCG up to the ₹1.25 lakh annual exemption each year, hold equity 12+ months to get the 12.5% long-term rate instead of 20% short-term, time sales across financial years, and use Section 54/54F/54EC to shelter property gains. We build the timing into your year-round plan rather than reacting after you sell.

How does surcharge affect tax planning for high earners?

Once total income crosses ₹50 lakh a surcharge applies (10% up to ₹1 crore, then 15%/25%/37%, capped at 25% in the new regime), and marginal relief limits the extra tax at each threshold. The surcharge on listed-equity capital gains is capped at 15%. We factor surcharge, marginal relief and employer NPS 80CCD(2) into the plan to keep the effective rate down.

Can an NRI benefit from tax planning advisory?

Yes. An NRI is taxed in India only on Indian-source income and can plan around DTAA relief, Section 195 TDS on property and NRO interest, and the correct residential status under Section 6. We coordinate the plan with the applicable treaty and Form 10F/Form 67 so Indian income is taxed efficiently and refunds are recovered.

Verify Everything

Official Sources & Legal References

Every regulatory figure on this page — regime slabs, deduction limits, exemptions and due dates — is drawn from primary law and official government sources. Verify them directly:

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HRA & 80C WorkbookPlan deductions and compare old vs new regime Income-tax Act 2025 Transition ChecklistPrepare for the new Act from AY 2026-27 Compliance GuideAdvance-tax dates and year-round tax calendar Free Downloads LibraryTemplates, checklists & workbooks Free Legal DraftsReady-to-use draft formats All ResourcesGuides, calendars & checklists

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