Tax Planning & Structuring
Proactive tax planning to legally minimise your tax outflow — corporate structure optimisation, capital gains timing, deduction maximisation, HUF planning, and international tax efficiency.
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Avg 22%
Tax saving for planning retainer clients
100% Legal
All strategies within ITA provisions
Individual to Group
Scale of clients served
Pre-Transaction
Planning before events, not after
What is Tax Planning?
Tax planning is the legal arrangement of financial affairs to minimise tax liability within the framework of the Income Tax Act. Distinct from tax evasion (illegal) and tax avoidance (aggressive, at risk of GAAR).
Key planning areas: corporate holding structure (Holdco/OpCo), timing of capital gains realisation (LTCG vs STCG, indexation), HUF creation and asset assignment, deduction utilisation (80C to 80U), international tax structuring (DTAA route selection), and salary structuring for perquisites vs allowances.
GAAR (General Anti-Avoidance Rule) applies since AY 2018-19. Aggressive structures that lack commercial substance may be recharacterised. JCA's planning is within GAAR-safe boundaries — every recommendation is reviewable by the income tax department without additional exposure.
LTCG — equity
10% above ₹1.25 lakh exemption
LTCG — property
20% with indexation (pre-2023 purchases)
STCG — equity
20%
HUF benefit
Separate basic exemption ₹2.5L + full slab
Section 80C limit
₹1.5 lakh
What JCA Delivers for Tax Planning
100% Legal Strategies
Every recommendation is within the four corners of the Income Tax Act — no aggressive avoidance that risks GAAR challenge.
Pre-Transaction Planning
Tax planning done before the transaction — sale, merger, investment, dividend — not after. The window for optimisation closes at the point of transaction.
Capital Gains Timing
Advice on LTCG vs STCG realisation timing; reinvestment planning (Section 54/54F/54EC); tax-loss harvesting strategy.
HUF Creation & Management
Create and manage HUF for additional basic exemption and slab benefit; advise on asset partition, karta succession, and compliance.
International Tax Efficiency
DTAA route selection (UAE, Singapore, Netherlands, Mauritius); PE analysis; royalty/dividend structuring; expatriate tax planning.
Salary Restructuring
Optimise salary structure: NPS employer contribution (80CCD(2)), gratuity, LTA, meal coupons, car allowance, ESOP timing — maximise in-hand without increasing CTC.
How We Build Your Tax Plan
From financial profiling to annual monitoring — a four-step methodology built for ongoing optimisation.
Financial Profile & Tax Liability Review
Gather all income streams, investment positions, existing structure, planned transactions; compute current year estimated tax and projected 3-year tax outflow.
Strategy Design
Identify planning opportunities: corporate restructuring, timing of transactions, deduction gaps, HUF eligibility, DTAA routing; model tax saving for each strategy.
Implementation Roadmap
Prepare an implementation plan with timelines, required actions (HUF deed, trust creation, inter-company agreements, investment switches), and responsible parties.
Annual Review & Monitoring
Review actual vs planned tax position quarterly; monitor legislative changes; adjust strategy for budget announcements, GAAR exposure, and changed financial position.
Documents Required
Financial Profile
- Last 3 years’ ITRs and computation sheets
- Salary slip / CTC structure (for individuals)
- Investment portfolio statement (equity, MF, property, FD)
- Details of planned transactions (sale, merger, dividend, acquisition)
- Corporate group structure chart (for business clients)
Business & Legal Documents
- Audited financials (last 2 years, for businesses)
- Existing company/trust/HUF documents
- Foreign income/asset details (if applicable)
- Existing insurance policies (LIC, ULIP, term) and EPF/PPF statements
- Advance tax challans paid in current year
Why Choose Juris Capital Advisory
for Tax Planning?
GAAR Safe Strategies
All planning within General Anti-Avoidance Rule (GAAR) boundaries — no aggressive avoidance risk.
Modelled Savings
Every recommendation comes with a tax saving computation — you see the benefit before implementation.
Pre-Transaction Timing
We plan before the sale, dividend, or investment — not after. Post-transaction planning achieves very little.
Budget Impact Analysis
Every Union Budget analysed within 48 hours — planning updated for new rates, deductions, and exemptions.
DTAA Routing Expertise
Treaty analysis across UAE, Singapore, Netherlands, UK, USA, Mauritius — legally reduce double taxation.
Long-Term Relationship
Tax planning is ongoing — your CA reviews your position quarterly and adjusts as income and investments change.
What Our Clients Say
“JCA restructured our salary to include employer NPS contribution, LTA optimisation, and car allowance. My take-home increased by ₹8,400/month with zero change to my CTC. That is 22% more on the tax-effective portion.”
Rajiv Krishnan
Senior Director, Technology Company, Bangalore
“Before selling our factory property, JCA advised on the LTCG reinvestment under Section 54EC. We saved ₹18 lakh in tax by investing in capital gain bonds — a strategy we would have missed without the pre-transaction review.”
Sathyanarayanan Pillai
Proprietor, Manufacturing Unit, Coimbatore
“JCA created a HUF for our family and assigned the inherited property rental income to it. Between the additional slab benefit and basic exemption, we save ₹1.2 lakh per year — legally, with full compliance.”
Asha Venkataraman
Business Family, Chennai