Tax Planning & Advisory

Maximize Savings. Ensure Compliance. Build Wealth.

Effective tax planning is more than just filing returns—it’s about strategically managing your income, investments, and expenses to reduce your tax burden while staying compliant with evolving regulations. At Dhanarth IMF & Financial Advisory Pvt. Ltd., we help you create a tax-efficient financial plan that safeguards your wealth and supports long-term goals.

Risk Profiling

Every individual’s tax strategy should reflect their risk appetite and financial profile. Through structured risk profiling, we assess:

• Income level and sources (salary, business, capital gains, etc.)
• Lifestyle and future goals (retirement, home purchase, children’s education)
• Tolerance for market-linked investments vs. fixed-return instruments
• Current tax liabilities and available exemptions

This allows us to recommend tax planning strategies that balance safety, growth, and tax efficiency.

Products We Offer for Tax Planning

We guide you in selecting the right tax-saving products under the Income Tax Act and other regulations, such as:

• Equity-Linked Savings Schemes (ELSS) – Market-linked returns with Section 80C benefits.
• Public Provident Fund (PPF) – Safe, long-term savings with tax-free interest.
• National Pension System (NPS) – Retirement-oriented investment with extra deductions under Section 80CCD(1B).
• Tax-Saving Fixed Deposits – Guaranteed returns with 5-year lock-in.
• Insurance Plans (Life & Health) – Premiums eligible for deductions under Section 80C and 80D.
• Other Instruments – Sukanya Samriddhi Yojana, Senior Citizen Saving Scheme, and more.

Each product is carefully selected to match your risk profile and investment horizon, ensuring tax savings without compromising on growth.

Asset Allocation & Tax Efficiency

Tax planning works best when integrated with your overall asset allocation strategy. We help you structure your portfolio by:

• Balancing Tax-Saving Investments Across Risk Levels – Combining safe instruments (PPF, FD) with growth-oriented options (ELSS, NPS).
• Optimizing Section-Wise Benefits – Leveraging deductions (80C, 80D, 80CCD, etc.) for maximum savings.
• Aligning With Financial Goals – Ensuring tax-saving investments also contribute to long-term wealth creation.
• Reviewing Regularly – Adjusting allocation as income, laws, and goals evolve.

By integrating risk profiling, product selection, and asset allocation, we ensure your tax planning is not just about saving today, but also about building sustainable wealth for tomorrow.