Invest Smarter. Pay Less Tax. Legally.
CA + CFP advisory to maximise after-tax investment returns.
Most advisors focus on returns. We focus on after-tax returns. Singhal Consultancy Services's unique CA + CFP combination ensures every investment decision is optimised for tax efficiency from day one.
Tax Sections
CA-backed tax optimisation
CA + CFP Team
37-Year Legacy
₹1.5 L
80C Tax
₹50 L
Max 54EC
37 Yrs
CA Advisory
LTCG
Capital Gain
₹1.5 L
80C Tax Deduction Limit
₹50 L
Max 54EC Investment
37 Yrs
CA Advisory Heritage
LTCG
Capital Gain Planning
Every Legal Way to Reduce Your Tax
Section 80C — ELSS
Up to ₹1.5L deductionELSS mutual funds combine 80C tax deduction with equity-market growth — the most efficient instrument for salaried investors.
- Shortest lock-in among 80C options — only 3 years
- Equity-level returns, unlike PPF or NSC
- SIP mode keeps investing systematic and disciplined
Section 54EC — Bonds
Entire LTCG tax eliminatedInvest property sale gains in NHAI or REC bonds within 6 months to legally wipe out your entire long-term capital gains tax liability.
- Maximum investment: ₹50 lakh per financial year
- 5-year lock-in; interest taxable but capital gain exempt
- Must be invested within 6 months of the property sale
LTCG Harvesting
₹1.25L tax-free every yearSell and repurchase equity holdings each year to keep cumulative gains below the ₹1.25 lakh LTCG exemption limit — resetting your cost basis with zero tax.
- Works for equity mutual funds and listed stocks
- Compound this saving year after year with no extra effort
- Best executed in March before the financial year closes
SWP for Retirees
Tax-efficient monthly incomeSystematic Withdrawal Plans from equity funds deliver regular income where only the gain portion is taxed — far more efficient than FD interest income.
- Only the gain component attracts tax, not the principal
- LTCG up to ₹1.25L per year remains tax-free
- Avoids TDS and higher slab tax that FD interest triggers
NPS 80CCD(1B)
Extra ₹50K above 80C limitNPS offers an additional ₹50,000 deduction entirely separate from 80C — effective for both salaried professionals and self-employed investors.
- Available over and above the ₹1.5L Section 80C limit
- 60% corpus tax-free on maturity; 40% goes to annuity
- Employer's NPS contribution also separately deductible
Tax-Loss Harvesting
Offset gains, reduce outflowRedeem underperforming investments before March 31 to set losses against capital gains — reducing taxable income legally and strategically.
- Set off short-term or long-term losses against matching gains
- Unused losses can be carried forward for up to 8 years
- Works across equity, debt, and hybrid fund categories
How Our Tax Advisory Works
Portfolio Audit
We review your current investments and identify tax inefficiencies.
Tax Mapping
We map your investments to your tax slab and identify savings opportunities.
Strategy Design
A written action plan: which instruments to use, timelines, and amounts.
Annual Review
Every March, we review tax-loss harvesting and ELSS SIP adequacy.
Portfolio Audit
We review your current investments and identify tax inefficiencies.
Tax Mapping
We map your investments to your tax slab and identify savings opportunities.
Strategy Design
A written action plan: which instruments to use, timelines, and amounts.
Annual Review
Every March, we review tax-loss harvesting and ELSS SIP adequacy.
Tax Situations We Solve Every Day
Salaried Professionals
High TDS, regime confusion, underutilised deductions
- 80C ELSS + NPS 80CCD(1B)
- 80D health insurance deduction
- Old vs new regime analysis every April
- HRA + home loan optimisation
Business Owners & Self-Employed
Advance tax deadlines, ITR complexity, inconsistent cash flows
- Advance tax planning (Jun / Sep / Dec / Mar)
- Business income + capital gains netting
- ELSS timing around profit cycles
- 54EC bonds for property reinvestment
Property Sellers
LTCG tax on sale — often ₹5–25 lakh in a single year
- Section 54EC bond investment within 6 months
- Full LTCG exemption up to ₹50L in bonds
- Guidance on NHAI vs REC bonds
- Indexation benefit calculation
Retirees & Near-Retirees
FD interest pushing into higher slab; pension taxation
- Shift FD income to tax-efficient SWP
- ₹1.25L annual LTCG exemption planning
- SCSS + senior citizen deductions
- NPS partial withdrawal tax treatment
Old Regime vs New Regime — Which Is Right for You?
We run this calculation for every client at the start of each financial year. Here's the framework.
Old Tax Regime
Best for: High deduction earners
Choose old regime if total deductions exceed ₹3.75L
New Tax Regime
Best for: Simpler filers, lower deductions
Default regime from FY24-25 — opt out if old regime saves more
Tax Advisory FAQs
It depends on your deductions. If your 80C + 80D + HRA + home loan deductions total more than ₹3.75L, the old regime typically saves more tax. Below that threshold, the new regime's lower slabs usually win. We calculate both every April for each client and recommend accordingly.
Tax-loss harvesting means intentionally selling investments at a loss to offset taxable capital gains. It makes sense before March 31 when you have significant STCG or LTCG above ₹1.25L from other investments.
For investors with a 5+ year horizon, ELSS typically delivers the best returns among 80C options with the shortest lock-in (3 years). However, if you have poor risk tolerance or need liquidity before 3 years, PPF or NSC may be better.
LTCG on property = Sale price minus indexed cost of acquisition. As of FY25-26, the tax rate is 12.5% without indexation. Within 6 months, investing gains in 54EC bonds saves the full tax.
54EC bonds (issued by NHAI and REC) allow property sellers to reinvest up to ₹50 lakh of long-term capital gains within 6 months of sale to avoid LTCG tax entirely. They carry a 5-year lock-in and offer ~5.25% interest per annum, which is taxable.
Under Section 80CCD(1B), you can claim an additional ₹50,000 deduction for NPS contributions — over and above the ₹1.5L 80C limit. At the 30% tax slab, this saves ₹15,600 per year in tax.
Salaried individuals can switch regime every year at the time of filing their ITR. Business owners and self-employed individuals can switch only once. We advise on the optimal choice at the start of each financial year.
Yes. Dinesh Singhal's CA practice and Manan Singhal's investment advisory work in tandem for clients who need integrated tax + investment planning. This coordination is a key differentiator of our firm.
How Much Tax Are You Leaving on the Table?
ELSS, NPS, capital gain harvesting, 54EC bonds — CA + CFP advisory under one roof. Every rupee saved in tax is a rupee compounding for your future.
Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.