Salary Tax Planning & CTC Structuring
Regime choice and tax-efficient salary components
- 1ComputeBoth regimes modelled on your data.
- 2StructureComponents suggested within the rules.
- 3DeclareEmployer TDS declaration aligned.
Share your details. We’ll reply on WhatsApp with the next steps and a checklist.
Pick a plan — the fee is adjusted if you hire us within 30 days.
About Salary Tax Planning & CTC Structuring
A clear overview, in simple terms — what it is, why it matters, and how we handle it.
For FY 2026-27, the new regime gives salaried residents a ₹75,000 standard deduction and no tax up to ₹12.75 lakh of salary, but few other benefits. The old regime still rewards HRA, LTA, 80C, 80D, NPS and home-loan interest. The most valuable component today works in both regimes: the employer's NPS contribution, deductible up to 14% of basic + DA in the new regime. Run both regimes on your actual numbers before telling your employer.
Salary planning is now as much about structure as investments. Since the Labour Codes, allowances outside 'wages' are capped at 50% of remuneration, which changes the trade-off between basic pay (more PF and gratuity) and flexible allowances.
We compare both regimes for your income, suggest components your employer can offer (employer NPS, meal cards, telephone and internet reimbursements, car leases where useful), and project the impact on take-home pay and retirement savings.
| New regime | ₹75,000 standard deduction; nil tax up to ₹12 lakh taxable income |
|---|---|
| Employer NPS | Deductible up to 14% (new) / 10% (old) of basic + DA |
| Overall cap | Employer PF + NPS + superannuation above ₹7.5 lakh taxable |
| Regime switch | Every year for salaried without business income |
| Labour Codes | Excluded allowances ≤ 50% of remuneration |
Who this is for
Common scenarios where this service is a good fit.
- Salaried employees choosing a regime
- Employees negotiating CTC
- HR teams designing salary structures
What you get
Clear deliverables so you know exactly what's included.
- Two-regime computation
- CTC component recommendations
- Declaration guidance for employer TDS
- ITR filing
Expert review before every submission — not just data entry.
Working notes and reconciliations you can rely on in future notices.
Resident Indians, NRIs, expats and cross-border businesses — all served.
Documents required
A practical checklist. We'll tell you if anything else is needed based on your case.
* This is a base checklist. After a quick pre-check, we may ask for additional items specific to your case.
Process
A simple, trackable workflow — designed to avoid back-and-forth.
Both regimes modelled on your data.
Components suggested within the rules.
Employer TDS declaration aligned.
Get a quote
We share a clear quote on WhatsApp after a quick checklist pre-check.
- Fixed quote on WhatsApp after a short look at your facts and documents.
- Government fees, if any, are paid at actuals and shown separately.
| Factor | DIY | Indus Tax |
|---|---|---|
| Expert review | ❌ | ✅ |
| Notice risk reduction | ❌ | ✅ |
| Deduction optimisation | ❌ | ✅ |
| Audit-ready records | ❌ | ✅ |
| AIS/26AS reconciliation | ❌ | ✅ |
Share your facts and deadline. We'll reply with the right checklist and a clear quote.
Fee adjusted against our service fee if you go ahead within 30 days.
- Priority CA Call-backSkip the queue — a CA calls you within 30 minutes.₹255
- RecommendedCA Consultation (30 min)Talk one matter through properly with a CA.₹755
- In-depth CA Review (60 min)Documents reviewed before the call, written action plan after.₹1,155
Call-backs run Mon–Sat, 9 AM–6 PM IST. Booked outside these hours? We call you first thing the next working morning.
Compare the 3 plansFrequently asked questions
Answers to the most common questions we get.
Official sources
Indus Tax is a private professional services firm and is not affiliated with any government authority. Rules and fees change — we confirm current positions before filing.
