What is tax planning and how is it different from tax evasion?

Tax planning is the legal process of using deductions, exemptions, and reliefs explicitly provided in the Income Tax Act to reduce your tax liability. Tax evasion is illegal concealment of income or falsification of records - a criminal offence. Tax avoidance (using artificial loopholes) can attract GAAR provisions under Sections 95-102.

Which is better - new tax regime or old tax regime in FY 2025-26?

New regime is better with low deductions - income up to Rs. 12.75 lakh is effectively tax-free for salaried (after Rs. 75,000 standard deduction and Section 87A rebate). Old regime wins when you have substantial HRA, Section 24(b) home loan interest, 80C, and 80D. Break-even is approximately Rs. 3.75-4.5 lakh in total deductions for income around Rs. 15-20 lakh.

What is the maximum tax I can save under the old regime?

Total deductions of Rs. 5-10 lakh are achievable for high earners in metro cities: Section 80C Rs. 1.5 lakh, NPS under 80CCD(1B) Rs. 50,000, Section 80D Rs. 25,000 to Rs. 1 lakh, home loan interest Section 24(b) Rs. 2 lakh, and HRA exemption (variable, Rs. 2-6 lakh in metros). Combined, these significantly reduce the effective tax rate.

When should I start tax planning for FY 2025-26?

April is the ideal time. Early planning allows you to inform your employer of the tax regime, start monthly ELSS SIPs under 80C rather than a March lump sum, schedule advance tax instalments correctly, and renegotiate CTC components like employer NPS contribution. Last-minute March planning leads to suboptimal investments and advance tax interest.

Can a business owner use the same tax planning strategies as a salaried employee?

Business owners (proprietors) can use Section 80C and Chapter VI-A deductions under the old regime like salaried employees. Additionally, they plan around legitimate expense deductions under Section 37, depreciation under Section 32, advance tax quarterly scheduling, and presumptive taxation under Section 44AD (up to Rs. 3 crore turnover).

What is the tax planning benefit of NPS over other 80C instruments?

NPS offers two deduction layers: self-contribution within Rs. 1.5 lakh 80C limit under 80CCD(1), plus an additional Rs. 50,000 under 80CCD(1B) exclusively for NPS - over and above the 80C cap. Total potential deduction: Rs. 2 lakh through NPS alone. For 30% slab, this translates to Rs. 60,000+ annual tax saving. Employer NPS under 80CCD(2) is also available under the new regime.

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Q: Is an HUF useful for tax planning even for a small family?

Yes, an HUF can benefit even a family of two if they have ancestral or inherited property or investment income. The HUF gets its own basic exemption limit and 80C limit separate from the karta's individual income. Annual tax saving of Rs. 30,000 to Rs. 1,00,000+ depending on applicable slab. However, HUFs must have genuine HUF property and cannot split salary income. Quick Answers Q: Tax bachane ke tarike India mein kya hain? Section 80C (PPF, ELSS, LIC), 80D (health insurance), NPS, HRA exemption, home loan interest - yeh sab legal tarike hain tax bachane ke. Patron Accounting ka CA aapke numbers ke hisaab se personalised plan banata hai. Q: Purana ya naya tax regime kaun sa better hai? Agar aapke paas HRA + home loan + 80C + 80D total Rs. 3.75-4.5 lakh se zyada deductions hain to purana regime better hai. Nahi to naya regime mein Rs. 12.75 lakh tak zero tax hai. Q: Salary pe tax kaise bachaye 2026? Step 1: Regime comparison karein. Step 2: Employer se NPS contribution badhwayein. Step 3: ELSS SIP April se start karein. Step 4: Health insurance aur home loan interest claim karein.

Reviewed by CA and CS Team, Patron Accounting LLP ICAI & ICSI Registered| 15+ Years Experience| Last Updated: 20 March 2026 Verify Credentials →

Old vs New Regime Comparison: Computed with your actual numbers - not assumptions - to pick the regime that saves you more

Year-Round Tax Advisory: Tax planning starts in April, not March - proactive deduction identification and advance tax scheduling

All Taxpayer Types Covered: Salaried, business, professional, HUF, NRI, capital gains - personalised planning for each

5,000+ Tax Plans Delivered: Clients typically save Rs. 20,000 to Rs. 1,50,000+ per year through proactive tax planning

5,000+ personalised tax plans delivered - average saving Rs. 20,000 to Rs. 1,50,000+ per year

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I was defaulting to the new regime for two years without checking. Patron's CA ran the comparison and showed me that my HRA + home loan + 80C added up to Rs. 6 lakh in deductions - the old regime saved me Rs. 72,000 in tax.

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As a freelance architect, I was confused about Section 44ADA vs regular books. The CA explained both options clearly, helped me decide to go with 44ADA, and saved me from maintaining books and getting an audit.

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Patron handles my business advance tax every quarter. I never have to worry about missing a due date or computing the right amount. Their proactive approach has saved me thousands in interest.

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Excellent experience with Patron for NPS and 80C planning. They helped me understand why the additional Rs. 50,000 NPS deduction under 80CCD(1B) is the best tax-saving instrument for someone in the 30% slab.

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What is Tax Planning? Salaried Planning Deductions Checklist Our Process Business Planning Fees Calendar Why Us Compare FAQs

What is Tax Planning?

📌 TL;DR - Tax Planning Services at a Glance

Tax planning is the process of analysing your financial situation and structuring your income, investments, and expenses in a way that legally minimises your income tax liability. It is not tax evasion - tax planning is entirely lawful, explicitly encouraged by the Income Tax Act through dozens of deductions and exemptions, and widely practised by individuals, families, and businesses across India.

For FY 2025-26 (AY 2026-27), the single most important tax planning decision for most Indians is the choice of tax regime: the new tax regime under Section 115BAC (the default) offers lower slab rates and a higher rebate, while the old regime offers a richer menu of deductions including HRA, Section 80C, and home loan interest. Getting this choice right - based on your actual numbers, not assumptions - is where strategic tax planning begins.

Question	Quick Answer
What is tax planning?	Legal process of using deductions, exemptions, and reliefs under the Income Tax Act to minimise tax. Distinct from tax evasion (illegal) and tax avoidance (grey area under GAAR).
New regime vs old regime?	New regime better with low deductions. Old regime wins with HRA + home loan + 80C + 80D totalling Rs. 3.75-4.5 lakh+. Always compute both.
Maximum saving under 80C?	Rs. 1,50,000/year (old regime only). PPF, ELSS, LIC, EPF, home loan principal, tuition fees. Additional Rs. 50,000 under 80CCD(1B) for NPS.
Tax saving options in new regime?	Standard deduction Rs. 75,000 (salaried); Employer NPS under 80CCD(2) up to 14% of basic; family pension deduction Rs. 25,000.
When to start tax planning?	April (start of FY). Enables ELSS SIPs, advance tax scheduling, CTC restructuring, and avoids March lump-sum investing.
What is advance tax?	Tax paid in quarterly instalments (15 Jun 15%, 15 Sep 45%, 15 Dec 75%, 15 Mar 100%). Required if tax liability exceeds Rs. 10,000 after TDS.
Businesses vs salaried planning?	Salaried: regime choice, CTC, exemptions, Chapter VI-A. Business: expense deductions (Section 37), depreciation (Section 32), advance tax, presumptive taxation (44AD/44ADA).

Patron Accounting provides personalised, year-round CA-assisted tax planning - not just return filing - helping salaried employees, business owners, professionals, and HUFs legally save the maximum possible tax while remaining fully compliant with the Income Tax Act.

Content is reviewed quarterly for accuracy.

Tax Planning vs Tax Avoidance vs Tax Evasion

These three terms are frequently confused but are legally and ethically distinct:

Term	Definition	Legality	Examples
Tax Planning	Using provisions explicitly provided in the Income Tax Act - deductions, exemptions, reliefs - to reduce tax liability	100% Legal and encouraged	Investing in PPF under 80C, claiming HRA exemption, choosing beneficial tax regime, using Section 44ADA presumptive scheme
Tax Avoidance	Arranging transactions in artificial ways to exploit technical loopholes not intended by the legislature	Technically legal but risky; GAAR may apply	Circular transactions solely to shift income; artificial loss booking to offset income
Tax Evasion	Illegally concealing income, falsifying records, claiming fake deductions to avoid tax	Illegal - criminal offence	Not reporting cash income, fake 80C investments, falsifying purchase invoices, suppressing turnover

GAAR (Sections 95-102 of the Income Tax Act) empowers tax authorities to recharacterise or disregard transactions that lack commercial substance and exist solely for tax benefits. All tax planning recommended by Patron Accounting is within the framework of legitimate deductions and exemptions explicitly provided by the legislature.

Key Terms for Tax Planning:

Section 80C: Deduction up to Rs. 1,50,000 for investments in PPF, ELSS, LIC premium, EPF, home loan principal, tuition fees, NSC, Sukanya Samriddhi, 5-year tax-saving FD (old regime only).
Section 80CCD(1B): Additional Rs. 50,000 deduction for NPS Tier 1 self-contribution, over and above the Rs. 1.5 lakh 80C limit (old regime only).
Section 115BAC: The new tax regime - default from AY 2024-25. Lower slab rates but limited deductions. Income up to Rs. 12.75 lakh effectively tax-free for salaried.
Section 44AD/44ADA: Presumptive taxation scheme for small businesses (44AD - up to Rs. 3 crore) and professionals (44ADA - up to Rs. 75 lakh). Simplified compliance with deemed profit rates.
Advance Tax: Tax paid in quarterly instalments during the FY. Due dates: 15 June (15%), 15 September (45%), 15 December (75%), 15 March (100%). Interest under Sections 234B/234C for missed payments.

CA-Assisted Tax Planning

Tax Planning for Salaried Employees: Regime Selection Guide

For most salaried Indians, FY 2025-26 tax planning begins with one question: new tax regime or old tax regime? New regime is the default. Salaried individuals without business income can switch between regimes every year when filing ITR.

Your Profile	Recommended Regime	Rationale
Salary up to Rs. 12.75 lakh, no large deductions	New regime	Section 87A rebate makes tax zero after standard deduction. No planning needed.
Salary Rs. 12.75L to Rs. 15L, modest deductions	New regime likely better	Smoothed slab rates outweigh modest old regime deductions for most.
Salary Rs. 15L to Rs. 25L, paying rent in metro + home loan + full 80C + 80D	Old regime likely better	HRA + Section 24(b) + 80C + 80D can sum to Rs. 5-8 lakh, significantly reducing taxable income.
Salary above Rs. 25L, large metro HRA + high home loan interest	Old regime better in most cases	Total deductions typically exceed Rs. 7-9 lakh; old regime reduces taxable base substantially.
Senior citizen retiree on pension, no rent, no home loan	New regime better	No HRA, no home loan. New regime's higher basic exemption and simpler slabs are superior.

Patron Accounting provides personalised regime comparison for every salaried and professional client. Explore: ITR Filing for Salary Income | ITR for Business Income | ITR for Capital Gains

Key Deductions Under the Old Regime: Complete Tax Planning Checklist

Service	What We Do
Section 80C (PPF, ELSS, LIC, EPF, home loan principal, tuition fees)	Rs. 1,50,000 per year. Start ELSS SIPs in April to avoid March lump-sum.
Section 80CCD(1B) - Additional NPS Contribution	Rs. 50,000 over and above 80C limit. One of the best tax-saving instruments for high earners.
Section 80D - Health Insurance Premium	Rs. 25,000 self + Rs. 25,000/50,000 parents. Buy in Q1 for full-year coverage.
Section 24(b) - Home Loan Interest	Rs. 2,00,000 on self-occupied property. Obtain interest certificate from lender before March.
Section 10(13A) - HRA Exemption	Least of: actual HRA, 50%/40% basic+DA, or rent minus 10% basic+DA. Maintain monthly rent receipts.
Section 10(5) - LTA	Actual travel cost (economy air/rail); 2 journeys in 4-year block. Collect boarding passes and tickets.
Section 80E - Education Loan Interest	No upper limit; 8 years maximum. For self, spouse, children, or ward.
Section 80G - Charitable Donations	100% or 50% of donation; some with 10% income cap. Verify 80G registration of donee.
Section 80TTA/80TTB - Savings/Deposit Interest	Rs. 10,000 (below 60 years) / Rs. 50,000 (senior citizens) deduction on interest income.

Our Process

How Patron Accounting Delivers Your Tax Plan: 7-Step Process

Our CA team provides end-to-end tax planning - from income review and regime comparison to advance tax scheduling and year-end ITR filing. Every step is personalised to your income profile.

Step 1

Income and Tax Profile Review

We review your salary structure (CTC breakup, Form 16, employer NPS details), business financials, investment portfolio, insurance coverage, home loan certificate, and other income sources. This takes 30-45 minutes with a dedicated CA.

Complete income mapping 30-45 min CA session

Profile Review01

Step 2

Old Regime vs New Regime Comparison

For salaried and professional clients, we compute tax liability under both regimes using your actual numbers. We present a clear comparison showing exact tax payable under each and the break-even deduction point for your income level.

Actual-number computation Break-even analysis

Regime Compared02

Step 3

Deduction Optimisation Plan

We identify every applicable deduction and exemption - checking for any you are currently missing or under-claiming. We prepare a prioritised list of tax-saving actions (80C, 80D, NPS, HRA, home loan, LTA, 80G) ranked by tax impact.

Every deduction identified Ranked by tax impact

Plan Ready03

Step 4

CTC Restructuring Recommendations

For salaried clients, we identify components that can be enhanced in CTC negotiation with employer - employer NPS contribution (up to 14% of basic), meal allowance, telephone reimbursement - to reduce taxable salary without reducing take-home pay.

Employer NPS optimisation Same take-home, less tax

CTC Optimised04

Step 5

Advance Tax Schedule

For business clients and professionals, we prepare a full-year advance tax calendar based on projected income. We proactively remind you 2 weeks before each due date (15 June, 15 September, 15 December, 15 March) with the computed amount.

Quarterly reminders Zero interest penalties

Tax Calendar05

Step 6

Investment Guidance (Goal-Based)

We provide instrument-neutral guidance on where to invest within each deduction section - PPF vs ELSS for 80C, NPS Tier 1 vs balanced fund for retirement. Recommendations based on your goals, not commissions.

Goal-based recommendations No commission bias

Goals Mapped06

Step 7

Year-End Review and ITR Filing

In March-April, we review whether the plan was executed correctly, handle any year-end corrections, and prepare your ITR with all deductions optimally claimed. All investment proofs are compiled and documented.

Execution review ITR filing included

Plan Complete07

Tax Planning for Business Owners and Professionals

Legitimate Business Expense Deductions (Section 37)

Rent, repairs, maintenance of business premises - deductible in full for business use
Salaries, wages, staff welfare - all employer-paid compensation including PF, ESI, gratuity
Depreciation under Section 32 - computers 40%, office equipment 15%, furniture 10%, vehicles 15%
Interest on business loans - fully deductible if used for business purposes
Professional fees, CA fees, legal charges paid for business purposes
Advertisement, marketing, and sales promotion expenses

Presumptive Taxation - The Tax Planning Simplifier

Section 44AD (Businesses): Turnover up to Rs. 3 crore (95% digital) / Rs. 2 crore otherwise. Deemed income: 8% of turnover (6% if 95%+ digital receipts). 5-year continuity rule applies.
Section 44ADA (Professionals): Gross receipts up to Rs. 75 lakh (95% digital) / Rs. 50 lakh otherwise. Deemed income: 50% of gross receipts. No lock-in period - opt in/out each year.

Advance Tax Planning - Due dates: 15% by 15 June, 45% by 15 September, 75% by 15 December, 100% by 15 March. Missing instalments attracts interest under Sections 234B and 234C at 1% per month. For presumptive taxpayers: 100% due in single instalment by 15 March.

Explore: ITR for Business | ITR for Professionals | Tax Audit Services

Common Tax Planning Mistakes to Avoid

Challenge	Impact	How Patron Accounting Solves It
Starting tax planning in March	Forced lump-sum investments, missed CTC restructuring, advance tax interest	Year-round planning starting April with monthly action items
Investing in 80C under new regime	Rs. 1.5 lakh invested with zero tax benefit since 80C not available in new regime	Regime comparison computed first before any investment recommendation
Claiming HRA + home loan incorrectly	Both claimable only if different cities or property is let out - incorrect claims attract scrutiny	CA verifies eligibility before claiming both simultaneously
Missing advance tax instalments	Interest under 234B/234C at 1% per month - can add Rs. 5,000-50,000+ to tax bill	Quarterly advance tax calendar with proactive reminders 2 weeks before due date
Ignoring surcharge thresholds for high earners	10-25% surcharge on total tax for income above Rs. 50 lakh - significant marginal impact	Surcharge planning for incomes near threshold to manage total income optimally
Not claiming Section 54 on property sale	Full LTCG taxable at 12.5% when reinvestment exemption could have eliminated tax entirely	Section 54/54EC analysis included for property sellers and HNI clients

Tax Planning Service Fees

Fee Component	Amount
Individual Tax Plan (Salaried - Regime Comparison + Deduction Plan)	Rs. 2,499 onwards
Business Tax Plan (Advance Tax + Expense Optimisation + ITR)	Rs. 4,999 onwards
Professional/Freelancer Tax Plan (44ADA Analysis + Regime + ITR)	Rs. 3,499 onwards
HUF Setup and Annual Tax Plan	Rs. 4,999 onwards
Capital Gains Tax Planning (Equity Harvesting + Section 54/54EC)	Rs. 2,999 onwards
Comprehensive Tax Plan (All of above combined)	Rs. 7,499 onwards
Patron Accounting Professional Fees	Starting from INR 2,499 (Exl GST and Govt. Charges)

All fees and charges listed are indicative only and do not constitute a binding offer. Final amounts may vary depending on the volume of work and the complexity involved.

Professional service charges for drafting, filing, and representation are separate from the statutory fees. The exact fee depends on the complexity of the case, disputed amount, and number of hearings required. Contact us for a detailed quote.

Get a free Tax Planning consultation - Call +91 945 945 6700 or WhatsApp us. No-obligation assessment.

Tax Planning Calendar: What to Do Every Quarter

Stage	Estimated Timeline
Q1 (Apr-Jun): Start of FY	Inform employer of regime choice. Start ELSS SIPs. Pay advance tax 1st instalment by 15 June. Obtain previous year Form 16.
Q2 (Jul-Sep): ITR Season	File previous FY ITR by 31 July. Review income vs advance tax estimate. Pay 2nd instalment by 15 Sep. Consider LTCG harvesting.
Q3 (Oct-Dec): Mid-Year Review	Pay 3rd advance tax by 15 Dec. Plan charitable donations under 80G. Book capital losses for tax loss harvesting. Ensure PPF deposit made.
Q4 (Jan-Mar): Year-End	Pay 4th advance tax by 15 Mar. Submit investment proofs to employer. Make final NPS/80C investments. Obtain home loan certificate.

Key Point: Presumptive taxpayers (Sections 44AD/44ADA) pay 100% advance tax in a single instalment by 15 March. Non-presumptive taxpayers follow the quarterly schedule. Senior citizens without business income are exempt from advance tax.

Key Benefits

Why Choose Patron Accounting for Tax Planning?

Regime Comparison Included

Every salaried and professional client gets old vs new regime computation with actual numbers - never assumptions.

Year-Round Planning

Tax planning starts in April, not March. We identify deductions at the start so you have time to act on them.

Advance Tax Management

Calendar, computation, and proactive pre-due-date reminders for business and professional clients.

CTC Restructuring Guidance

Identify CTC components to reduce taxable salary without reducing take-home - employer NPS, meal allowance, reimbursements.

Capital Gains Tax Planning

Equity LTCG harvesting, Section 54 property reinvestment, and 54EC bond analysis for HNI and property sellers.

Transparent Fees From Rs. 2,499

Full-year tax plan with ITR filing included. No hidden charges. Fixed fee quoted upfront before work begins.

Patron Accounting Tax Planning by Numbers

5,000+

Tax Plans Delivered

4.9/5

Google Rating

Rs. 20K-1.5L+

Average Annual Saving

100%

Advance Tax Compliance

Tax Planning: Patron Accounting vs Self-Managed vs Generic Portals

Feature	Patron Accounting	Self-Managed	Generic Tax Portals
Old vs new regime comparison	Yes - computed with actual numbers	Possible with calculators	Available on paid plans
CTC restructuring guidance	Yes - CA-led NPS, allowances	Not typically available	Not available
Advance tax calendar and reminders	Yes - proactive per-quarter	Self-managed	Some portals offer reminders
Capital gains tax planning	Yes - harvesting, 54/54EC analysis	Complex for most users	Basic tools; no personalised advice
HUF setup and planning	Yes - full setup and annual planning	Requires specialist	Not available
Year-round CA access	Yes - included in plan	Not available	Charged per query
Starting Price	From Rs. 2,499	Free (with risk of errors)	Rs. 499 to Rs. 4,999+

Related Income Tax and Compliance Services

Income Tax Return (ITR) Filing - Complete ITR filing for all forms ITR-1 to ITR-7
ITR Filing for Salary Income - Specialised ITR-1 filing with Form 16 processing
ITR for Business Income - ITR-3/ITR-4 with profit computation
ITR for Capital Gains - ITR-2 covering equity, mutual funds, property gains
Tax Audit Services - Section 44AB audit for businesses above threshold
TDS Return Filing - Quarterly TDS returns with Form 16/16A generation

Capital Gains Tax Planning Strategies

Capital gains from sale of equity shares, mutual funds, property, and other assets are taxed at special rates. Strategic timing and structuring of sales can significantly reduce capital gains tax:

LTCG Harvesting: The Rs. 1.25 lakh annual LTCG exemption under Section 112A resets every financial year. Selling and repurchasing equity to book LTCG within the exemption limit reduces your cost base at zero tax cost.
Holding Period Planning: Hold equity 12+ months to convert 20% STCG (Section 111A) to 12.5% LTCG (Section 112A). Hold property 24+ months for LTCG treatment at 12.5%.
Section 54 Exemption: Capital gains from residential house sale are fully exempt if reinvested in another house within 1 year before or 2 years after sale. CGAS can park funds if new property is not yet identified.
Section 54EC: LTCG from any long-term asset is exempt if invested in specified bonds (NHAI, REC, PFC, IRFC) within 6 months of sale. Lock-in 5 years; maximum Rs. 50 lakh per year.
Loss Set-Off: Capital losses can offset capital gains of the same year. Unabsorbed losses carry forward for 8 years - only if ITR is filed by original due date.

Authoritative source: Central Board of Direct Taxes - incometaxindia.gov.in

Frequently Asked Questions About Tax Planning

Expert answers to the most common tax planning questions for FY 2025-26 (AY 2026-27).

Quick Answers

Q: Tax bachane ke tarike India mein kya hain? Section 80C (PPF, ELSS, LIC), 80D (health insurance), NPS, HRA exemption, home loan interest - yeh sab legal tarike hain tax bachane ke. Patron Accounting ka CA aapke numbers ke hisaab se personalised plan banata hai.

Q: Purana ya naya tax regime kaun sa better hai? Agar aapke paas HRA + home loan + 80C + 80D total Rs. 3.75-4.5 lakh se zyada deductions hain to purana regime better hai. Nahi to naya regime mein Rs. 12.75 lakh tak zero tax hai.

Q: Salary pe tax kaise bachaye 2026? Step 1: Regime comparison karein. Step 2: Employer se NPS contribution badhwayein. Step 3: ELSS SIP April se start karein. Step 4: Health insurance aur home loan interest claim karein.

Start Your FY 2025-26 Tax Plan Now - Do Not Wait Until March

Tax planning done in April saves significantly more than tax planning done in March. Early planning enables ELSS SIP averaging, advance tax compliance (avoid 1% monthly interest under Sections 234B/234C), CTC restructuring with your employer, and full-year NPS contributions.

Book your personalised tax plan today: Share your Form 16 or business financials with our CA team. We will compute your optimal regime, identify every applicable deduction, and prepare a full-year action plan. Call +91 945 945 6700 or WhatsApp us.

Plan Your Taxes Strategically - Save Every Rupee Legally

Tax planning is not a last-minute March activity - it is a year-round strategic process that can save you Rs. 20,000 to Rs. 1,50,000+ per year when done correctly. Whether you are choosing between the old and new regime, optimising CTC with your employer, managing advance tax, or structuring capital gains - every decision impacts your final tax bill.

Patron Accounting's CA and CS team delivers personalised tax planning for salaried employees, business owners, professionals, and HUFs. From regime comparison to deduction optimisation to year-end ITR filing - your dedicated CA handles everything. Starting from Rs. 2,499 with transparent pricing and no hidden charges.

Join 5,000+ clients who trust Patron Accounting for their tax planning. 4.9/5 Google rating. Book your free consultation today.

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Expert CA-assisted tax planning in major cities. Select your city for localised tax advisory.

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Content Created: 20 March 2026 | Last Updated: 20 March 2026 | Next Review: 20 June 2026 | Reviewed By: CA & CS Team, Patron Accounting LLP

This page covers income tax planning strategies for FY 2025-26 (AY 2026-27). Tax slabs, deduction limits, and advance tax dates are based on the Finance Act 2025. Budget 2026 changes apply from FY 2026-27. Verify current rules at incometaxindia.gov.in.

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