₹1.3 crore life cover gap
TaxSavvy for money check
Two minutes. Your Money Score. Free.
Answer a few taps and see your score and the first fix.
What you send
Any one of these gets us started. Photos are fine.
- Form 16
- Salary slip
- AIS or 26AS
- Offer letter
- Company policy
- Bank statement
Send them on WhatsApp or upload after you start. Documents are encrypted and seen only by your CA.
How we get it done
Four steps, the same for every job. You see each one ticked.
Information
Any document the question is about
Discussion
What do you want to ask the CA?. A good time for the call?
Forms
We prepare and file. You stay in the loop for every OTP.
Deliverables
Call notes with the answer and next steps
See what you get, free
Real formats, made with dummy data.
Sample Sample 140 days in India: RNOR, foreign salary not taxed here
Sample ₹0 GST for you on ₹18 lakh of fees
Questions, answered the CA way
Facts, Provisions and law, Analysis, Conclusion.
Funding Readiness Checklist: Documents, Metrics, and Mind
- Facts
- The most important process in this entire artifact. Most businesses fail to get funded not because they don't deserve capital, but because they walk into a bank or investor meeting unprepared. This is the master checklist: every document, every metric, every question you will be asked, and how to have the right answers.
- Provisions and law
- RBI MSME Guidelines; Companies Act 2013; DPIIT Startup; SEBI AIF Regulations
- Analysis
- Bank loan readiness, 10 documents: (1) Last 3 years ITR with computation. (2) Last 3 years audited P&L and Balance Sheet. (3) Last 12 months bank statements, all accounts. (4) GST returns last 12 months. (5) Udyam/MSME registration certificate. (6) Business incorporation certificate (CoI, partnership deed, or Udyam). (7) Property documents (if secured loan). (8) Promoter KYC, PAN, Aadhar, passport size photo. (9) Fund utilisation plan, how exactly the loan will be used. (10) Repayment projection, how the EMI will be serviced from business cash flow. Government scheme readiness: PMEGP: Udyam + DPR + EDP training certificate + bank account proof. CGTMSE: Udyam + financials + fund utilisation plan. Stand Up India: SC/ST/women certificate + project report + Udyam. Mudra: Aadhar + PAN + business plan for Tarun (> ₹5L). Startup India SISFS: DPIIT recognition + pitch deck + financial model.
- Conclusion
- Get Udyam registration done (10 minutes, free, udyamregistration.gov.in)
- Get DPIIT recognition done if startup (2 days, free, startupindia.gov.in)
- Ensure last 3 years ITR are filed (income tax) and GST returns are current
- Get financials audited by CA, P&L and Balance Sheet for last 2-3 years
Job Switch Complete Checklist: Tax and Financial Action List
- Facts
- A job switch triggers 12 separate financial and tax actions. Most people only negotiate the new salary. They miss: Form 122 (old Form 12B) to new employer, PF transfer, health insurance gap, gratuity eligibility, Section 157, Income-tax Act 2025 (old Sec 89) on joining bonus, two Form 16s in ITR. Getting these wrong costs ₹30,000 to ₹1,50,000 in unnecessary tax.
- Provisions and law
- Sec 392 (old 192(2)); Sec 11 (old 10(12)); Payment of Gratuity Act 1972; IRDAI Group Health
- Analysis
- The 12 critical actions on a job switch: (1) Form 122 (old Form 12B) to new employer (Day 1). (2) PF transfer, Form 13 (within 60 days). (3) Check gratuity eligibility from old employer. (4) Get Form 130 (old Form 16) from old employer after leaving. (5) Understand full and final settlement components. (6) Health insurance: buy individual policy before last day (or apply continuation within 30 days). (7) Tax on joining bonus, Section 157 (old Sec 89) relief if applicable. (8) Salary hike month, plan for provisional TDS on higher salary. (9) Non-compete clause review. (10) Two Form 16s in ITR, add correctly. (11) PF 5-year continuity: transfer, never withdraw < 5 years. (12) Reference letter and BGV documents ready. Form 122 (old Form 12B), the most missed step: On your first day at new employer: submit Form 122 (old Form 12B) with old employer's salary details (gross salary, TDS, PF, etc. from April 1 to last day at old employer).
- Conclusion
- Before last day: get Form 130 (old Form 16) / salary certificate from old employer for the partial year
- Day 1 at new employer: submit Form 12B, old employer salary, TDS, period details
- Day 1: submit investment declarations in Form 124 (old Form 12BB) to avoid over-TDS early in year
- Within 30 days: file UAN activation and link Aadhar/PAN if not done, enables PF transfer
Seeding a HUF: how to get money into it legally
- Facts
- The #1 question: how do you get money into the HUF? You cannot just transfer from your personal account, that income will be clubbed back to you under Sec 99, Income-tax Act 2025 (old Sec 64) and taxed in your hands anyway.
- Provisions and law
- Income Tax Act, Sec 92(2)(m) (old 56(2)(x)) | Clubbing provisions Sec 99 (old 64)
- Analysis
- Legal ways to seed a HUF: (1) Ancestral property received by inheritance goes into HUF automatically. (2) Gift from relatives outside the HUF (parents, in-laws). (3) Sale of HUF ancestral property, proceeds stay in HUF. (4) Business income earned by HUF as a business entity.
- Conclusion
- Ancestral property, inherited from grandfather or further ancestors
- Gift deed from relatives, parents, father-in-law, mother-in-law can gift to HUF
- Blended funds, if HUF gets property, all sale proceeds and reinvestment stays HUF
- NOT VALID: Personal savings transferred to HUF account (clubs back to you)
Pre-money vs post-money: how dilution actually works
- Facts
- Pre-money valuation: The company's value before new investment. Post-money = pre-money + investment amount.
- Provisions and law
- Companies Act 2013, Sec 62 | FEMA RDB Rules
- Analysis
- Investor ownership % = Investment ÷ Post-money valuation. Example: ₹50Cr pre-money. ₹10Cr investment. Post-money = ₹60Cr. Investor owns 10÷60 = 16.7%. Founders are diluted from 100% to 83.3% (minus ESOP pool). The ESOP pool trick: If the 10% ESOP pool is created pre-investment, it comes out of the pre-money. Founders own (100% - 10% ESOP) × 83.3% = 75% post-round. If the ESOP pool is created post-investment, investors bear part of the dilution.
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