New LIC & Star Health plans launched — May 2026Know more →
New LIC & Star Health plans launched — May 2026Know more →
💰 Wealth & Tax Planning

Keep More of What You Earn

Pay zero tax on ₹2 lakh+ every year — legally, with the right insurance and investment mix designed for Indian families.

Protect Your Wealth from Taxes

  • Save up to ₹1.5 lakh per year under Section 80C with LIC premiums
  • Additional ₹50,000 deduction under Section 80D for health insurance
  • Maturity proceeds from life insurance are fully tax-free under Section 10(10D)
  • NPS contributions give extra ₹50,000 deduction under Section 80CCD(1B)
  • ULIP gains after 5 years are exempt from long-term capital gains tax
  • Pension annuity structured to minimise taxable income in retirement
🏆 Ajay's Advice

"Most families overpay tax simply because their insurance and investments are not structured correctly. A single review session can save you ₹30,000–₹80,000 every year."

Tax savings planning

Your Tax-Saving Toolkit

Four government-approved deductions — maximise all of them

🛡️
Section 80C
₹1.5 Lakh/year

Life insurance premiums, PPF, ELSS, NSC — all count toward this limit.

❤️
Section 80D
₹50,000/year

Health insurance premiums for self, spouse, children, and parents.

🏛️
Section 80CCD(1B)
₹50,000/year

Additional NPS contribution — over and above the 80C limit.

💰
Section 10(10D)
Unlimited

Life insurance maturity and death benefits — completely tax-free.

*Tax benefits as per prevailing Income Tax laws. Subject to change as per Finance Act. Consult your tax advisor.

How Much Can You Save?

Annual tax savings for a salaried individual in the 30% tax bracket

80C (LIC + ELSS + PPF)
₹45,000
30% slab on ₹1.5L
80D (Health insurance)
₹15,000
30% slab on ₹50,000
80CCD(1B) — NPS top-up
₹15,000
30% slab on ₹50,000
Total annual saving: ₹75,000+

*Illustrative only. Actual savings depend on your income, slab, and existing investments.

Free Consultation

Book a free 30-min call
with Ajay sir personally.

No scripts. No call centre. Ajay Kumar Poddar reviews your situation himself and recommends exactly what your family needs — nothing more.

MDRT Member — top 1% of advisors globally
31 years · Personal call, not a call centre
5,000+ families protected across India
Ajay typically responds within 2–4 hours on business days

Get your free plan review

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