Services
Mutual funds, taxes, and protection under one roof.
Three connected practices so your investments, filings, and insurance cover move in the same direction.
A) Mutual Funds
Categories we work with most often. Chips are orientation only. Scheme selection always starts with your goal and horizon.
Equity Funds
Long-term wealth creation through stocks, suited to goals five years and beyond.
- Large Cap
- Mid Cap
- Small Cap
- Multi Cap
- Flexi Cap
- ELSS Tax Saver
Debt Funds
Relatively steadier fixed-income exposure for defined horizons and capital preservation goals.
- Liquid
- Ultra Short
- Short Duration
- Medium Duration
- Gilt
Hybrid Funds
A blend of equity and debt in one scheme, balancing growth with smoother rides.
- Balanced Advantage
- Conservative Hybrid
- Aggressive Hybrid
- Equity Savings
ELSS Tax Saver
Equity-linked savings schemes with a three-year lock-in and Section 80C eligibility.
- 80C Eligible
- 3-Year Lock-in
- Equity Oriented
Why invest through us
- Goal-based fund selection instead of chasing last year’s winners.
- Clarity on plan type: regular versus direct, and what each costs you.
- Ongoing review meetings so your portfolio stays matched to your life.
- Help with SIPs, switches, and paperwork from one point of contact.
B) Tax Planning & ITR
Year-round tax hygiene instead of a March scramble. Filing, deductions, gains, and notices handled together.
ITR Filing
- Salary, business, and capital gains income handled end to end.
- Computation review before submission.
- Acknowledgement and status follow-up.
Tax Planning (80C / 80D / HRA / NPS)
- Map deductions to your actual salary and expenses.
- Coordinate ELSS, insurance, and NPS contributions.
- Avoid last-minute, misfit investments purely for saving tax.
Capital Gains
- Equity and debt mutual fund gain computation.
- STCG / LTCG treatment under current rules.
- Property and other asset gain reporting support.
TDS
- TDS certificate (Form 16 / 16A) reconciliation.
- Correct mismatch notices before they escalate.
- Advance tax instalment guidance.
Notice Handling
- Read and respond to income-tax notices with you.
- Compile documents the department asks for.
- Track deadlines so replies are never late.
GST
- Registration guidance for eligible businesses.
- Monthly / quarterly return filing support.
- Reconciliation of GSTR data.
| Section | What it covers | Limit (reference) | Notes |
|---|---|---|---|
| 80C | EPF, PPF, life insurance premium, ELSS, principal repayment on home loan, tuition fees, NSC, 5-year tax-saver FD | ₹1,50,000 | Aggregate ceiling across eligible instruments; verify current Finance Act. |
| 80D | Health insurance premium for self/family and parents | ₹25,000 (self/family) + ₹25,000 (parents); ₹50,000 if senior citizen | Includes preventive health check-up sub-limit; verify current limits. |
| 24(b) | Interest on self-occupied home loan | ₹2,00,000 | Conditions apply for construction/acquisition timelines; verify current rules. |
| 80CCD(1B) | Additional NPS contribution by employee (over and above 80C) | ₹50,000 | Verify applicability under the current tax regime before publishing. |
| 80TTA | Interest on savings bank accounts (below 60 years) | ₹10,000 | 80TTB applies for senior citizens with a different ceiling; verify. |
| HRA | House rent allowance exemption under Section 10(13A) | Least of: actual HRA, rent paid − 10% of salary, 50%/40% of salary | Metro 50% / non-metro 40%; verify salary-component definitions. |
C) Life & Health Insurance
Protection first. We compare cover, cost, and claim track record before recommending a policy.
Term Life Cover
- Pure protection sized to your family’s obligations.
- Insurer and plan comparison on cost and claim record.
- Assistance with proposal and medicals.
Family Health Cover
- Floater policies for spouse, children, and parents.
- Room-rent, sub-limit, and co-pay terms explained.
- Renewal reminders before cover lapses.
Individual Health Cover
- Standalone personal health insurance.
- Top-up / super top-up options for higher cover.
- Pre-existing and waiting-period guidance.
Group / Corporate Cover
- Employee group medical cover solutions for small businesses.
- Onboarding and claim support for teams.
ULIP
- Understand charges, lock-in, and fund choices before buying.
- Compared honestly against pure insurance plus mutual funds.
Critical Illness
- Lump-sum cover on diagnosis of specified illnesses.
- Read the covered-condition list carefully with you.
Insurer partners
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- Insurer Partner 1
- Insurer Partner 2
- Insurer Partner 3
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- Insurer Partner 5
- Insurer Partner 6