Income-Tax Advisory & Planning in Jodhpur

1. Why Proactive Tax Planning Matters

Tax planning isn't a last-week-of-July scramble—it's an all-year activity that helps you:

Minimise liability legally by choosing the right deductions & regimes.
Improve cash flow—knowing advance-tax outgo lets you budget better.
Unlock investments (ELSS, PPF, NPS, Section 80D health cover) that double as wealth-builders.
Avoid penalties for wrong estimates or late payments.

Category	Why Advisory Helps
Salaried individuals	Optimise HRA, LTA, new vs old regime selection.
Freelancers & consultants	Take advantage of presumptive taxation (Sec 44ADA).
Small-business owners	Plan advance-tax, depreciation schedules, partner remuneration.
HUFs & family businesses	Split income, claim 80C/80D for multiple members.
First-time investors	Align tax-saving options with long-term goals.

Section 80C (₹1.5 lakh limit): Mix of ELSS funds (3-yr lock-in) + PPF for balance of risk & safety.
Section 80CCD(1B) (₹50k extra): NPS contribution—great for retirement & extra deduction.
Health insurance premiums (80D): Up to ₹25k (₹50k for senior-citizen parents).
Home-loan interest (24b): Up to ₹2 lakh yearly deduction.
New vs Old Tax Regime comparison: If you can't exhaust deductions, new regime's lower slab may win; run the numbers each April.

Tip: Keep Form 12BB ready for proof submission to your Jodhpur employer by January.

Handicraft exporters & textile traders—claim Section 80-HHC (profits from export) if conditions met.
Desert-tourism hosts on Airbnb: declare rental income under Income from House Property; claim 30% standard deduction.
Agricultural land on city outskirts: Check if capital-gain exemption under rural agricultural land applies before selling.

Waiting till July to invest—ELSS NAV may spike; spread SIPs across the year.
Ignoring advance-tax; if liability exceeds ₹10k, pay in 4 instalments (15 Jun, 15 Sep, 15 Dec, 15 Mar).
Mixing business & personal expenses—maintain separate accounts to claim accurate deductions.

Quarter	Action Items
Apr–Jun	Choose tax regime, start 80C SIPs, pay Q1 advance-tax.
Jul–Sep	Review cash flow, top-up health cover, pay Q2 advance-tax.
Oct–Dec	Invest in NPS, collect rent receipts, pay Q3 advance-tax.
Jan–Mar	Max out deductions, submit proofs to employer, final advance-tax.

Need personalised income-tax advisory in Jodhpur?

Rangaco's CA team offers one-on-one planning sessions, deduction optimisation, and year-round compliance support.

No. Even moderate incomes can benefit by maximising deductions such as Section 80C, 80D and claiming the rebate under Section 87A.

Salaried individuals can opt in or out each year by filing Form 10-IE, while business taxpayers can switch only once.

For businesses, yes—it's a professional expense. For individual taxpayers, it is not deductible.