ELSS and Section 80C
Equity-linked savings schemes chosen because they’re decent equity funds that happen to carry a deduction — not the other way round.
Services
Same returns. Less tax.
What you keep matters more than what you earn. Most tax saving happens in a panic in the last week of March, which is exactly when the options are worst.
What this covers
What this covers
Tax efficiency built into the portfolio through the year, rather than bolted on at the end of it.
The additional NPS deduction
Section 80CCD(1B) offers a further ₹50,000 deduction over and above 80C. A lot of people simply never use it.
Capital gains timing
When a redemption happens changes what it costs. Holding periods and exemption limits factored in before anything is sold.
Loss set-off
Genuine losses in the portfolio used to offset gains elsewhere, within the rules. Most individual investors never do this.
Tax treatment of debt investments
How debt fund gains are taxed changed materially in recent years. Worth knowing which of your holdings are affected.
Which account holds what
The same investment can be taxed differently depending on how it’s held. Especially relevant for NRIs across two tax systems.
Why Advaya
Our position on this
- Legitimate planning onlyEverything we suggest sits squarely within the law. Nothing structured to be clever about it.
- Reviewed each BudgetTax rules shift most years. Changes get factored in before they cost you, rather than after.
- We are not tax advisersWe help structure investments tax-efficiently. For filing and formal tax opinions, work with a chartered accountant — we can coordinate with yours.
- Connected to filingIf we also support your ITR filing, the investment side and the filing side stay consistent.
Stop losing returns to avoidable tax
A free look at where your portfolio is giving up more tax than it needs to.