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Income Tax

Taxation with mutual
funds combo is our USP

Start Your Journey Now
Why Consider Life Insurance
for Tax Planning?
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💰 Save up to ₹1.5L under Section 80C
📄 Enjoy tax-free maturity under Section 10(10D)
🏠 Cover future liabilities like loans & EMIs
🎓 Secure your child’s future while reducing taxes
🧘 Combine wealth creation + life protection
Book a Consultation
Our Personal Income Tax
Services
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ITR Filing 
(All Salaried & Self-Employed Profiles)

From ITR-1 to ITR-4 and beyond, we handle filing for:

  • Salaried Employees
  • Freelancers & Consultants
  • Business Owners & Professionals
  • NRIs & Senior Citizens
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Tax Planning & Investment Advisory

Plan ahead to legally reduce your tax outgo:

  • Section 80C, 80D, 80CCD advice
  • Capital Gains management
  • HRA, LTA & deductions optimization
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Capital Gains Calculation & 
Advisory

Whether you sold property, mutual funds, or shares — we help you:

  • Calculate long/short-term capital gains
  • Index cost and optimize tax payout
  • File correctly under new regime rules
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Advance Tax & TDS Advisory

Avoid penalties by planning and paying your advance tax smartly.
 We also help you:

  • Check & reconcile 26AS/Form 16
  • Handle TDS mismatches
Why Choose Excellent Financial?
37+ Years of Tax
Advisory Experience
With decades of hands-on experience, we've filed returns and offered strategic tax guidance to thousands of clients — from salaried employees to business owners and NRIs.
Filing & Advisory Across
All Income Profiles
Whether you’re a first-time filer, freelancer, senior citizen, or someone managing multiple income sources — we offer end-to-end solutions tailored to your financial situation.
Personal Consultation +
Digital Filing
Get the best of both worlds: one-on-one expert guidance combined with the convenience of 100% paperless e-filing. No more confusion. No more missed deadlines.
Complete Accuracy,
Zero Errors
We ensure every deduction is claimed and every detail is verified — so your return is error-free, audit-proof, and optimized for savings.
Post-Filing Support
(Refunds, Notices, Disputes)
Filing is just the beginning. We assist you with: - IT notices or scrutiny cases - Refund follow-ups - Rectifications or revised returns - PAN/Aadhaar linking, Form 26AS review, and more
Save Today, Secure
Tomorrow
Life insurance isn’t just about protection — it’s also a smart way to save on taxes. At Excellent Financial, we help you select plans that maximize both coverage and tax efficiency.
Book a Consultation
Here’s How You Benefit:
📘 Section 80C – Invest &
Save up to ₹1.5L

Save tax by investing in ELSS, LIC, PPF, NSC, and tuition fees.
We help you build the right mix based on your income and goals.

📗 Section 80D – Health
Insurance Benefits

Claim deductions on medical premiums for yourself and your family.Get protected while reducing your tax outgo every year.

📙 Section 80CCD(1B) – NPS
for Retirement

Save an additional ₹50,000 by investing in the National Pension Scheme.A powerful tool for retirement planning and long-term tax saving.

Frequently Asked Questions

Yes, mutual fund returns are subject to capital gains tax. The tax treatment depends on the type of fund and holding period.

  • Equity Funds:
    • Short Term (less than 1 year): 15% tax
    • Long Term (more than 1 year): 10% tax on gains above Rs.1 lakh/year
  • Debt Funds (post-April 2023): Gains are added to your income and taxed as per your slab.

Yes. By investing in ELSS, you can claim up to Rs.1.5 lakh deduction under Section 80C.

SWP is taxed on capital gains based on FIFO (First In, First Out) method. It helps retirees plan tax-efficient withdrawals while keeping money invested.

Yes. Dividends are added to your income and taxed according to your slab. Earlier DDT (Dividend Distribution Tax) has been removed.

Yes, if structured well. For example, you can withdraw gains within Rs.1 lakh/year from equity funds—tax-free. We help design such strategies.

Yes. NRIs are subject to TDS (Tax Deducted at Source) on mutual fund gains and income. But you can claim relief via DTAA if eligible.

We help you access capital gain reports, match them with AIS/Form 26AS, and coordinate with your CA to ensure smooth filing.

Switching from one fund to another is treated as a sale and repurchase—which means capital gains tax applies. We calculate this impact for you in advance.

Not necessarily. We provide end-to-end service: investment advice, tax computation, capital gain statements, and ITR filing support.