Tax advice that saves real money. Every year.

ITR Filing is the act of preparing and submitting your return for a single year. It’s reactive — by the time you file, the year is done and most planning opportunities are gone.

Tax Consultancy is everything around the filing — pre-year planning (regime, salary structure), in-year decisions (capital gains timing, advance tax), and post-filing follow-through (notice response, scrutiny, refund recovery).

Most people need only filing. People with complex situations (high income, active investing, foreign exposure, business income, prior notices) benefit from consultancy in addition.

The retainer pays for itself if you save ≥ ₹15,000 in tax annually compared to a DIY or off-the-shelf-platform filing. Honest assessment:

Likely worth it: annual income > ₹20L, active investing (especially F&O / crypto), foreign income / ESOPs, business owner, prior history of tax notices, you don’t want to think about tax all year.

Probably not worth it: salary income only, no capital gains, total income < ₹15L, comfortable doing your own filing.

Talk to us — we’ll tell you honestly if you need the retainer or just an ITR filing.

Step 1: don’t ignore it. There’s a strict response window (usually 30 days) and missing it converts into best-judgment assessment, which goes badly for you.

Step 2: read what the AO is actually asking. 143(2) notices specify the issues — usually one or two items (a large capital gain, a deduction that looks unusual, an unexplained credit).

Step 3: prepare documentation. Bank statements, transaction receipts, computation working, supporting agreements. Every claim in your return that the AO is questioning needs paper backing.

Step 4: file a written response and prepare for a hearing. Most cases close at the AO level with proper documentation. Escalation to CIT(A) is needed only if the AO makes adverse additions.

We handle this end-to-end. Your fee covers drafting, hearing prep, and AO representation.

The new regime is default since AY 2024–25 with reduced slab rates (₹3L exemption, 5% on ₹3–6L, 10% on ₹6–9L, 15% on ₹9–12L, 20% on ₹12–15L, 30% above ₹15L) and an enhanced standard deduction of ₹75K. But it disallows most deductions: no 80C, no 80D, no HRA, no home loan interest u/s 24 for self-occupied property, no LTA.

Old regime has higher slab rates (5% on ₹2.5–5L, 20% on ₹5–10L, 30% above ₹10L) but allows the full deduction stack.

The break-even depends on your deductions. If you can claim ≥ ₹2.5L in total deductions (80C + 80D + HRA + home loan interest + others), old regime usually wins. Below that, new regime saves more.

We compute both for every client. Salaried can switch annually. Business income earners can switch only once back to old regime — making it a careful decision.

This is one of the most commonly mis-filed areas. Three stages:

1. At vest: Fair market value (FMV) on the vesting date is treated as salary income (perquisite u/s 17(2)(vi)). Your employer typically deducts TDS. The FMV becomes your cost basis.

2. At sale: Difference between sale price and FMV-at-vest is capital gain. For unlisted foreign shares: short-term if held < 24 months from vest (taxed at slab), long-term if ≥ 24 months (12.5% without indexation, or 20% with — for older holdings).

3. Schedule FA: Mandatory disclosure of all foreign holdings — even unsold. Non-disclosure attracts Black Money Act penalties (up to 120% of value + ₹10L per asset).

Foreign tax paid is claimable as Foreign Tax Credit via Form 67. DTAA between India and the source country governs the credit available. We handle the full stack.

Yes — section 139(8A) allows an Updated Return within 24 months of the end of the relevant assessment year.

Cost: additional tax over and above the regular tax — 25% if filed within 12 months, 50% if filed in months 13–24. No refund or loss-carry-forward allowed.

Common reasons we file ITR-U: unreported foreign salary / RSU, missed capital gains, undeclared crypto, rental income forgotten, freelance receipts.

Important: ITR-U cannot be filed if a notice u/s 148 has already been issued for that year — at that point, the proceedings take precedence and ITR-U is no longer available.

143(2): AO selects your filed return for detailed examination, usually based on CASS (Computer-Assisted Scrutiny Selection) parameters. Time limit: 3 months from end of the financial year in which return was filed. The AO is checking what you filed.

148: AO believes income has escaped assessment — either you didn’t file at all, or you filed but failed to disclose certain income. Time limit: up to 11 years for asset-related cases, 3 years otherwise. The AO is asking you to file a return for that prior year.

148 is generally more serious because it implies non-disclosure. The response strategy differs significantly — we handle both, but they need different approaches.

Advance tax is mandatory if your annual tax liability exceeds ₹10,000. It’s paid in four instalments: 15% by 15 June, 45% by 15 September, 75% by 15 December, 100% by 15 March.

Salaried-only individuals usually don’t worry — TDS covers it. Anyone with capital gains, business income, rental income, or income above ₹50L should plan advance tax explicitly.

Missing it attracts interest under 234B (1% per month from 1 April of the assessment year on the shortfall) and 234C (1% per month for each instalment shortfall). For ₹5L tax shortfall, this is ₹5,000 per month — meaningful.

We compute and remind quarterly for retainer clients. One-off advance tax planning is also available.

Most scrutiny proceedings are now faceless under the Faceless Assessment Scheme — communication is via the income tax e-Portal, hearings are video-conferenced. We handle this end-to-end remotely.

For the small number of cases still under traditional jurisdictional AO assessment, we appear in person at the AO’s office for our clients in major cities. For other locations, we coordinate via authorised representatives.

For CIT(A) and ITAT appeals, we coordinate with tax counsel where in-person representation is required.

Yes — this is one of our specialty areas. Common scenarios: prior salary from a foreign employer, RSUs from a US tech company, foreign mutual fund holdings, crypto held abroad.

The right response depends on whether a notice has already been issued. If not, an ITR-U for the past 24 months plus voluntary disclosure for older years (where applicable) is the cleanest path.

If a 148 notice has been issued or a search/survey is in progress, the strategy changes significantly. In all cases, the goal is to minimise penalty exposure under the Black Money Act, which can be up to 120% of the asset value.

This is highly case-specific — please reach out for a confidential consultation before deciding anything.

₹14,999 paid upfront for the full year (April to March). Includes everything listed in the retainer scope, including ITR filing of any complexity and one scrutiny representation per year.

If you onboard mid-year, we pro-rate the fee for remaining months. Add-ons (additional scrutiny cases beyond the included one, CIT(A) appeals, ITAT representation) are quoted at engagement.

Renewal is optional — we send a renewal quote 30 days before expiry. No auto-debit, no surprises.

WhatsApp messages are end-to-end encrypted by default. For larger files we use a secure client portal with TLS in transit, encryption at rest, and 30-day auto-deletion of working copies after engagement ends.

Statutory retention applies to filed returns and supporting documents (8 years per CBDT). Non-statutory working files can be deleted on request.

We don’t share client data with third parties. Internally, only your assigned CA and a senior reviewer access your file.