Individuals & families
Private client tax advisory for senior professionals and families
Salary, employee stock options (ESOPs), restricted stock units (RSUs), capital gains, foreign assets, Indian income of non-residents and family holdings interact, and each must be reported correctly. We manage the whole picture under one annual mandate.
Who we help
Common situations we handle
Salary and investments
High salaries, perquisites, capital gains, rental income and the choice of tax regime.
ESOPs and RSUs
Indian and foreign employer plans: tax on allotment, on sale and in the year of reporting.
Foreign income and assets
Overseas accounts, shares and income, Schedule FA reporting and credit for foreign tax.
NRI taxation
Residential status, returns for Indian income, TDS on property sales, treaty relief and repatriation of funds.
HUF and family
Coordinated returns and planning for each family member and the family HUF.
Our commitments
How we look after your affairs
One accountable senior professional
A senior professional leads your file, supported by a dedicated team, with continuity from year to year.
Your family under one mandate
Returns and planning for you, your spouse, parents and Hindu undivided family (HUF), coordinated so that nothing is missed. Each family member authorises us separately, and their information stays confidential to them.
Confidentiality
Your information is accessed by the people working on your engagement and disclosed only where needed to deliver the service or where the law requires. A confidentiality agreement is available on request.
Response times
Queries are acknowledged within one working day; a notice is reviewed and its deadline confirmed as a priority.
The annual mandate
What is included each year
- AprilPlanning note for the year: choice of tax regime, salary structure, expected gains and advance tax.
- QuarterlyAdvance tax computed and confirmed before each due date.
- OctoberMid-year review of capital gains, share allotments under employer plans and any change in residential status.
- Year-endTax position summary with disclosure checks.
- FilingReturns for each family member, reconciled with the Annual Information Statement (AIS), with every schedule that applies.
- All yearRoutine department queries and mismatch intimations. Scrutiny and appeals are quoted separately.
Fees are agreed privately once we understand the scope of your affairs.
Income (₹ lakh)
| Salary, including perquisites on shares allotted | 145.00 |
| Capital gains on listed shares | 18.60 |
| Interest and dividends | 6.40 |
| Total income | 170.00 |
Taxes paid during the year (₹ lakh)
| Tax deducted at source on salary | 44.80 |
| Advance tax paid | 5.00 |
| Total taxes paid | 49.80 |
Disclosure checks
- Schedule AL completed, as total income exceeds ₹1 crore
- Foreign shares reported in Schedule FA for the calendar year, based on residential status
- Form 67 filed to claim credit for tax paid abroad
- AIS reconciled; two differences explained in the return
Planning points for the year ahead
- Shares expected to be allotted in the third quarter: revise the December advance tax instalment
- Use the annual exemption on long-term capital gains from listed shares before 31 March
- Keep December statements of overseas accounts for calendar-year reporting
Assumptions in this sample: resident and ordinarily resident; new tax regime; figures before the final computation. The balance payable or refundable is worked out in the full computation shared with the client.
Meetings by video, or at our offices in Jamshedpur, Ahmedabad and Bengaluru.
Frequently asked questions
I am an NRI selling property in India. How much tax will be deducted?
The buyer must deduct tax on the sale price, which can be far more than the actual tax on your gain. You can apply for a lower or nil deduction certificate before the sale, based on the computed gain. We prepare the computation and the application, and file your return to claim any refund.
How can I send money from India to my account abroad?
Repatriation is allowed within the limits set under FEMA, after the tax on the funds has been paid. The bank needs Form 15CA, and in many cases a Chartered Accountant's certificate in Form 15CB, which is issued by an eligible professional. We prepare the documents and coordinate the certificate.
I receive restricted stock units (RSUs) from a foreign employer. How are they taxed?
Tax generally arises as a salary perquisite when shares are allotted or transferred to you under the plan, and capital gains arise when you later sell them. The timing depends on the actual terms of your award, which we review each year.
Do I have to report foreign assets that earned nothing?
If you are resident and ordinarily resident, foreign assets are generally reported in Schedule FA even if they earned no income. Whether and how to report depends on your residential status and the reporting period, which we evaluate each year.
When must I report my assets and liabilities?
For the return for FY 2025–26 (AY 2026–27), Schedule AL applies where total income exceeds ₹1 crore.
Prefer a private conversation?
Tell us a convenient time and a senior professional will call you.