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 Bookkeeping.

1. Your Personal Financial Manager
TAX PLANNING | INVESTMENT | INSURANCE

2. 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

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

4. 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.

5. 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.

6. 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.

7. Tax planning,
GST filing/
Registration,
Income Tax
Filing
Investment
Planning
Insurance
Planning Services
We provide PERSONALIZED support to our customers and plan according to
their financial needs.

9. 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.

10. 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

11. 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

12. Tax Optimizer:
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
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.

13. SIMPLIFIED E-FILING PROCESS:
Login to
Trutax efiling
website
Upload your
Form-16
Edit details if
required.
Verify and
Submit

14. FORM-16
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 is divided into two parts. Part A and Part B.
FORM-16 (PART-A)

15. 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.

16. 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

17. 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%

18. Insurance Types One must have:
•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.
•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.
•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
Property
Insurance
Auto
Insurance
Life
Insurance

19. 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.

20. 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

21. 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.

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