Your Personal Financial Manager

TAX PLANNING | INVESTMENT | INSURANCE

What is Financial Planning?

Financial planning is an ongoing process to make sensible decisions about your finances, to
meet your life goals like buying a house, saving for child’s marriage, planning for retirement
etc. and to be prepared for any contingencies.

Financial planning is incomplete without these three components-

● Investments
○ Plan before you save - understand your savings
● Tax Saving
○ Invest in right instruments for saving tax
● Insurance Cover
○ Do not ignore insurance - a stitch in time saves nine
 Introduction

TruTax TruWealth TruCover

www.trutax.in/ www.truwealth.in/ www.trucover.in/

TruTax advises on all TruWealth is the

TruCover
tax related matters for investment advisory
advises/consults
all categories of arm which helps its
clients on their
people ranging from clients with goal
insurance needs and
salaried class to based financial
relieve them of future
people starting up planning and making
requirements and
with their new the best use of their
responsibilities.
ventures hard earned money
About :

We are a team of Chartered Accountants and Tax Advocates having more than
27 years of experience in the field of taxation and accounting.

We provide a one stop solution for all taxation and accounting related
requirements of individuals and corporate including tax planning, assisted tax
filing, GST services and Book keeping.
About :

We have years of experience in the field and create Personalized Investment

strategies tailored just for our clients.

TruWealth.in is an intuitive platform to track and measure performance of

your investments to enable you to take informed decisions and do further
transactions. Personalized App so that your advisor is right in your pocket.
About:

We provide personalized insurance services according to our client’s

requirements and needs.

We strive to provide you with an excellent Insurance cover to

secure your future financially.

We help our clients to choose best insurance policy ranging from

health, life, accident, travel and professional insurance.
Planning Services

We provide PERSONALIZED support to our customers and plan according to

their financial needs.

Insurance

Investment
Planning
Tax planning,
GST filing/
Registration,
Income Tax
Filing
Personal Financial Managers helps you :

Tax planning and tax saving investments.

Goals Based Financial Planning.

Insurance planning.

Continuous monitoring and re-balancing of investments.

Financial Health checkup.

 OUR PRODUCT FEATURES
Easy and Fast free e-filing anytime and anywhere.

Personalized Customer Support.

Excellent User Interface.

Financial Planning

Bulk ITR Filing plans for Companies

GST + ITR Filing plans for Startups and Professionals

 Tax Optimization:
Income Current Suggested
Basic Salary 6,00,000 6,00,000
HRA 3,00,000 3,00,000
Special Allowance 9,14,940 8,24,940
Tax Free allowances 21,960 51,960
Performance Bonus 2,00,000 2,00,000
Company’s Contribution to PF 72,000 72,000

Contribution to NPS under Section 80CCD 0 60,000

Income from fixed deposits 16,000 6,000

Total Income 21,24,900 21,14,900
Deductions Availed Current Suggested

Sec 80C 1,50,000 1,50,000

HRA Exemption 3,00,000 3,00,000

Medical Insurance under Section 80D 10,000 25,000

NPS(Under new section 80CCD1b) 0 50,000

Total 4,60,000 5,25,000

 Tax Optimizer:
Taxpayers can make the best use of tax benefits available to them.
We help our clients to understand that how they can restructure income ,Investments
and expenses to optimize their tax.

TAX Current Suggested

Tax on Salary 2,87,351 2,39,456

Tax on other Income 4,944 1,854

Total 2,92,295 2,41,310

 SIMPLIFIED E-FILING PROCESS:

Login to
Upload your Edit details if Verify and
Trutax efiling
Form-16 required. Submit
website
 FORM-16
Form 16 is divided into two parts. Part A and Part B.

FORM-16 (PART-A)

Name and address of the employer.

PAN of the employee.

TAN and PAN of employer.

Summarily of tax deducted and deposited quarterly, which is certified by the employer.

Assessment Year.

Period of employment with the employer.

Part A of the form 16 has a unique TDS certificate number.

FORM-16 DETAILS :
FORM-16 (PART-B)

Taxable Salary

Deduction allowed under the income tax act

Breakup of Section 80C deductions.

If you held more than one job during the year, you will have more than one Form 16.

Part B is prepared by the employer manually and issued along with Part A.
 TAX AND INVESTMENT PLANNING

We help our clients to save taxes by investing in various tax saving instruments
under Section 80C.

INSURANCE EPF/PPF/VPF

MUTUAL FUNDS NPS

INVESTMENT
MUTUAL FUNDS REASONAL RETURN EXPECTATION
Equity Mutual Funds 12-16%
Balanced Funds & Debt Funds 10-14%
Short Term Funds & Liquid Mutual Funds 7-9%

ELSS Expected to return ~12- 14%. Best funds

returned >20% over last 5 years
PPF Fixed return currently giving 8.1%,
expected to fall further
Tax Saver FD Interest rate varies from bank to bank,
returns range from 6.5% to 7.5%
NSC 8%
Insurance Types One must have:
•Your good health is what allows you to
work, earn money and enjoy life. If you
were to develop a serious illness or have
an accident without being insured, you
may find yourself unable to afford
treatment.
Health
Insurance
Life
Insurance
•This policy is important for everyone.
Life insurance can meet several
financial needs. In the case of someone
married or have a family, it can replace
lost income, help to pay any lingering
debts after your death or pay for your
children's college education.
•One type of policy that is actually
mandatory to have is homeowners
insurance when you have a mortgage. If
you borrow money from the bank to
purchase a home they will require the
assets to be insured.
Property
Insurance
Auto
Insurance
•Another type of policy that is often
required is auto insurance. It is required
by law that you have basic auto insurance
that covers liability.
ITR e-FILING
Partnering with us provide solutions and help file your taxes.

Assisted bulk ITR e-filing service for all employees of a

company/corporate.

Specialized services for Professions

Premium service offered to clients that takes care of high tax

brackets and offers optimum tax solutions.
 GST FILING

GST REGISTRATION

GST FILING FOR CONSULTANTS

GST FILING(GSTR-1,2,3,3B)

GST FILING FOR FREELANCERS

GST FILING FOR TRADERS

GST FILING FOR STARTUPS

GST MIGRATION
TRU CUSTOMER SUPPORT
We provide PERSONALIZED support to our customers where they required
to fill up the simple form and get a call back from our experts anytime.
 Our Team
Partner with us.

Hershit Kumar
Aditya Bansal,
Gupta, Ex- Sanjeev Amit Kumar
Rakesh Parvesh Ex-Govt
Govt Officio Bansal, FCA, Garg, Tax Pratik Sharma,
Mangla, FCA, Kumar Gupta, Officio SEBI, Parul Gupta,
CBDT India, B.Sc, Advocted, FRM, MDI,
B.Com, Exp. : Tax Advocate, MDI, B.E. CA, B.Com
IIFT, B.E. M.Com LLB, B.E.(DCE)
Exp. : 28 yrs 27yrs LLB, Exp. : (Thapar
(Thapar Exp. : 15yrs
27yrs University)
University)