Client: Dr. Neha Bansal, Age 38
Profession: Orthopaedic Surgeon
City: Delhi
Challenge:
Dr. Bansal was paying taxes in excess of ₹15L/year, with scattered investments in LIC policies, FDs, and ULIPs that offered low returns and little flexibility. She felt frustrated with the lack of clarity.
Our Approach:
- Performed an income-tax audit and optimised deductions under Sections 80C, 80CCD(1B), and 80D
- Shifted her traditional savings to high-performing ELSS and PPF
- Set up SIPs in debt and hybrid funds to manage capital gains tax
- Created a structure using an HUF to divert a portion of her rental income
- Designed a charitable trust to reduce tax and support her CSR interests
Outcome:
Effective tax savings of ₹4.6L annually. Her post-tax income is now being invested more efficiently, with better liquidity and 2x return potential over previous investments.
Client Feedback:
“I never thought tax planning could be this strategic. I’m now in control of my income, my investments, and my peace of mind. Their attention to detail is remarkable.” — Dr. Neha Bansal
