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
27-Year Legacy
₹1.5 L
80C Tax
₹50 L
Max 54EC
27 Yrs
CA Advisory
LTCG
Capital Gain
₹1.5 L
80C Tax Deduction Limit
₹50 L
Max 54EC Investment
27 Yrs
CA Advisory Heritage
LTCG
Capital Gain Planning
Every Legal Way to Reduce Your Tax
Section 80C — ELSS
ELSS mutual funds offer 80C deduction with 3-year lock-in and equity-market returns.
Section 54EC — Bonds
Invest property sale gains in NHAI/REC bonds within 6 months to eliminate LTCG tax.
LTCG Harvesting
Systematically book and reinvest equity gains below ₹1.25L annually to reset cost basis.
SWP for Retirees
Systematic Withdrawal Plans from equity funds are more tax-efficient than interest income for retirees — long-term gains up to ₹1.25L annually are tax-free.
NPS 80CCD(1B)
NPS offers an additional ₹50,000 tax deduction above the 80C limit for employed investors.
Tax-Loss Harvesting
Deliberately redeem loss-making investments to set off against capital gains and reduce tax outflow.
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.
Tax Advisory FAQs
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.
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.