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Providing you the best range of Financial Planning, Tax Planning, ITR Filing, Income Tax Refunds, Retirement Planning and Insurance Advisory with effective & timely delivery.

Financial Planning
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Financial Planning

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We all expect our tomorrow to be similar if not better than our today and work diligently towards securing our future.
Our tomorrow can be better if we take care of it today by mature and meaningful planning of our resources.
However, the constantly changing Economic stability coupled with high inflation and rising tax burdens can be a drain out on the deepest pockets and throw our carefully laid out plans off gear. Knowing how much we require to meet our financial goals and subsequently how much we can save from our earnings to invest in the correct investment vehicle can help us achieve our goals easily. However investing just for the sake of investing without planning is like driving a car without knowing the route to reach the destination.
Hence, Just as we have a clear map of directions when we undertake a journey to avoid getting lost or delaying our arrival at the destination, so we should have a clear blueprint of achieving our life’s financial goals.
We believe that by taking a holistic overall view of your EXISTING FINANCIAL STATUS AND FUTURE FINANCIAL GOALS, it is possible to achieve FINANCIAL FREEDOM in a systematic way.  However, since the requirements of each are different, the plan to achieve it also needs to be highly personalized.

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Tax Planning
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Tax Planning

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BE A SMART TAX PLANNER AND SAVE TAXES 
Proper tax planning can help to save the maximum tax.  
Through prudent tax planning, you can not only minimize your tax liability and save taxes but also achieve the following:-
  • Create wealth over long term through Capital Appreciation.
  • Provide Life Time Security to your loved ones.
  • Take care of sudden hospitalization/Medical expenses.
  • Provide for lifelong Pension.
  • Pay for your children’s education and other needs.
As an illustration of the above consider the following example: 
A tax payer can save taxes by investing Rs. 1 Lakh in tax saving instruments per year.  
Let us assume that he invests this amount regularly from the age of 30 to 60 years and further assuming 8% rate of return, this amount can grow to
Rs. 1,13,28321.  This is due to the magic of compounding. 
Investment made for the Purpose of Tax Planning can have a significant impact on your   finances over the long term and help you achieve your long term financial objectives

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ITR Filing
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ITR Filing

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Filing of Income Tax Return is compulsory if the taxable income exceeds the basic exemption limit even if the tax payable is nil or refundable.

An ITR acknowledgement is required when you apply for a home loan, or purchase an insurance policy or even when you apply for a visa.

Please keep the following in mind:
1. The last date for filing the IT Return is 31st july of the year following the concerned financial year.
2. It is important to file your Return within the due date to get Refunds, if any, on time and to avoid penalty, if tax is due.
3. Ensure accuracy in filing your IT Return to avoid scrutiny and also to get timely Refunds.
4. Take all possible tax breaks as “Tax Saved” is “Money Saved”.
5. Ensure proper and timely Tax Planning to avoid paying extra tax while generating funds to meet your financial goals.

The Following documents are required to file your Income Tax Return:

GENERAL DOCUMENTS
1. Salary certificate/Form 16
2. TDS Certificate from interest
3. Tax paid receipts/challan details
4. Copy of pan card
5. Details of bank account in which you want your refunds
6. Bank name and branch
7. Account no and type
8. MICR code and IFSC code.

ADDITIONAL DOCUMENTS
1. Proof of deduction u/s 80 C; life insurance premium receipts, ELSS, principal HBLR etc.
2. Medical insurance receipt.
3. Rent paid receipt. If any
4. Donation receipts, if any.
5. Proof of expenses incurred towards treatment of specified diseases, if any

If you have a HOUSE PROPERTY
1. Posession letter
2. Loan sanctioning letter, if on loan.
3. Housing loan repayment certificate.
4. Lease agreement, if house is rented
5. Municipal tax paid receipt.

CAPITAL GAINS (following in addition to the above, if applicable)
1. Sale-Purchase of Property
2. Date of purchase
3. Cost
4. Date of sale
5. Sale of shares/mutual funds
5. Proof of income from dividend.

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Income Tax Refunds
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Income Tax Refunds

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Steps to be taken to get income tax refund
Non receipt or delayed receipt of refunds for ITR filed is a concern faced by many.
It may be noted that, though Income Tax Refund is the prerogative of ito and that they do not work under anybody’s influence, Beekay Associates will guide you on the correct procedure to get your refunds. 
The following steps should be followed for the same:
  • Ensure return is filed within due date as Refunds are disbursed on first come basis.
  • Ensure your bank details i.e. Name of Bank, Branch, Account No. & MICR number etc. Is quoted properly along with right PAN Number on your IT Returns.
  • Avoid extra Tax Deduction resulting in Refund.
  • If the Refund is not received within a year, contact us to send a letter to the ITO of your ward, requesting him to release the Refund.
  • Attach copy of acknowledgment of the concerned year along with correct bank details. If no reply is received within 30 days, then a reminder needs to be sent to the ACIT/DCIT.
  • In case of the Refund still not received, a letter to the ombudsman of Income Tax of your area should be sent within 30 days.look for our.

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Retirement Planning
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Retirement Planning

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Retirement planning is a part of financial planning process and it enables a person to enjoy the desired post retirement lifestyle. When you stop earning, you would certainly want to maintain nearly the same standard of living. Post retirement, a person does not have his monthly paycheck and will have to depend on the annuity he receives from his investment corpus. Planning for the sunset years acquires added importance because people over-estimate what they have and under-estimate how much they need post retirement. Retirement planning involves wealth accumulation, which calls for planning your future financial needs and security. We design portfolio that reduces risk and yield good returns.

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Insurance Advisory
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Insurance Advisory

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Insurance enables those who suffer a loss or accident to be compensated for the effects of their misfortune. The payments come from a fund of money contributed by all the holders of individual insurance policies. In other words, individual risks are pooled and shared, with each policyholder making a contribution to the common fund. The contribution is known as the premium. Premiums are paid to insurers - these are institutions which accumulate the money into the fund from which claims are paid. The loss is in fact paid for by the policyholder making the claim and by all the other policyholders who have not suffered in the same way. Insurers are professional risk takers. They know the probability of different types of risk happening. They can calculate the premiums needed to create a fund large enough to cover likely loss payments. Clearly, only a proportion of policyholders will require compensation from the fund at any one time. So two important factors arise when calculating the premium. Firstly, the general likelihood that a loss will occur. Secondly, whether the particular policyholder is above or below average in risk.

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Scrutiny Cases Taxation Service
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Scrutiny is the process of selecting some income-tax returns and examining them closely by calling for extra information and seeing if the details furnished are correct. It is a verification of income in the income-tax return filed by the taxpayer to assess his real tax liability.

If Tax Man Comes Calling:
  • AIR (annual information return)
  • CASS(computer assisted selection scrutiny)
In case a discrepancy is found, the ITO calls for the further information. The following steps can be taken from the beginning itself to AVOID A SCRUTINY
STEPS TO AVOID A SCRUTINY
  • Do not borrow cash loan beyond Rs. 20000/- .Loan beyond Rs. 20000 should be in cheque/DD
  • Each receipt entry in your bank account should be self explanatory
  • The object/purpose of any cash/cheque deposited in your account and which is not part of your income should be clear.
  • Gift in excess of Rs. 50000 from any person (other than relatives as specified I IT rules) is taxable. The purpose of such a gift should be clear.
  • Make sure that in case of joint account, transactions made in respect of each account holder have been accounted for.
  • Income from house property by way of rent should be taken into account of owner of properties.
  • If re-investing long term capital gain arising out of sale of property, please ensure that the property has been held for at least a period of  3years or more.
  • Inform us in case of the following

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Pan Card Services
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Pan Card Services

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As per Securities and Exchange Board of India (SEBI) Circular dated April 27, 2007, Permanent Account Number (PAN) has been made the sole identification number for all participants transacting in the securities market, irrespective of the amount of transaction, effective July 02, 2007. This means that submission of copy of PAN card is mandatory for all investors (including NRIs) for investing with mutual funds with effect from July 02, 2007. Those investors not having a PAN card should apply for PAN immediately and applications for investment should be accompanied by evidence of having applied for PAN (acknowledgement copy of Form 49A).

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Audit & Tally Accounting
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Audit & Tally Accounting

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It is a statutory compliance for individuals who are Professionals/consultants or are businessmen to get their accounts written and audited by a CHARTERED ACCOUNTANT in the following scenarios:

1. In case of a businessman, if his income is over  Rs. 60 Lakhs per annum.
2. In case of a consultant, if his income is over Rs. 15 lakh per annum.

The following documents are required, in case one has to get his Accounts Audited:

1. Copies of bank statements/updated pass books of your all bank accounts.
2. Credit card statements, if any.
3. Counterfoil of cheque books.
4. Counterfoil of pay-in-slips for depositing cheques.
5. Provisional housing loan interest certificate for FY 2011-2012 in case of Housing Loan and also for car loan.
6. Your estimated professional receipts and other income such as pension, interest etc.
7. Details of saving u/s 80c
8. Details of trading of shares and mutual funds
9. FDR statement with interest accrued.

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Mutual Fund
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Mutual Fund

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Mutual Funds are financial instruments. These funds are collective investments which gather money from different investors to invest in stocks, short-term money market financial instruments, bonds and other securities and distribute the proceeds as dividends. The Mutual Funds in India are handled by Fund Managers, also referred as the portfolio managers. The Securities Exchange Board of India regulates the Mutual Funds in India. The unit value of the Mutual Funds in India is known as net asset value per share (NAV). The NAV is calculated on the total amount of the Mutual Funds in India, by dividing it with the number of units issued and outstanding units on daily basis. 
Benefits of Investing in Mutual Funds   
Any one who is aware of stock market is not new to mutual funds. Mutual funds have gained in popularity with the investing public especially in the last two decades following are some of the primary benefits. 
1. Professional Financial Experts
Every Mutual Fund scheme has a well-defined objective and behind every scheme, there is a dedicated team of financial experts working in tandem with specialized investment research team. These experts diligently and judiciously study companies, their products and performance, and after thorough analysis, they decide on the best investment option most aptly suited to achieve the scheme’s objective as well as investor’s financial goals. 
2. Diversifying Risk 
It plays a very big part in the success of any portfolio. Mutual funds invest in a broad range of securities. This limits investment risk by reducing the effect of a possible decline in the value of any one security. Mutual fund unit-holders can benefit from diversification techniques usually available only to investors wealthy enough to buy significant positions in a wide variety of securities. 
3. Low Cost 
Mutual Funds generally provide an opportunity to invest with fewer funds as compared to other avenues in the capital market. You can invest in a mutual fund with as little as Rs. 5,000 and also have the option of investing a little of Rs.500 every month in a SIP or Systematic Investment Plan. 
4. Liquidity 
You can encash your money from a mutual fund on immediate basis when compared with other forms of savings like the public provident fund or National Savings Scheme. You can withdraw or redeem money at the Net Asset Value related prices in the open-end schemes. In closed-end schemes, lock in period is mentioned, investor cannot redeem his investment until that period. 
5. Variety of Investment 
There is no shortage of variety when investing in mutual funds. There are funds that focus on blue-chip stocks, technology stocks, bonds or a mix of stocks and bonds and with due assistance from a financial expert, the investor can choose a scheme that aptly fits his requirements, and helps him achieve maximum profitability.

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Life Insurance
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Life Insurance

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ife insurance is a financial resource for your family and loved ones in case of your death.  It is a cover which allows your family to maintain a standard to living as they are currently, and meet their financial obligations. It also serves as an effective investment and tax saving tool.
If you have dependents and financial resposibilities towards them then you certainly need isnurance. 
Having a family means dependants, which, in turn means financial commitments.  Financial commitments come in the form of loans, children's education, medical expenses etc. 
Imagine what would happen if you were to lose your life suddenly or become disabled and cannot earn.  Being insured in a situation like this is A necessity.
When you insure life, in effect what you are doing is insureing your earning capacity.  This guarantees that your dependendants will be able to continue
Living with our financial hardships even in case of your demise. The primary purpose of life insurance is therefore protection fo the family in the event of death or disability.  
Today insurance is also taken as a tool to plan effectively for your future years, your retirement and for your children's future needs. 
Why it is important to have Life Insurance Covered
  • Life insurance is not for people who die, it is for the poeple who live
  • You may live longer than your grand father but retire earlier than him
  • You will give your life fo your children why not isnure life for them
  • It is bad enough to die why do it for free
  • Life insurance is substitue for money you have yet not accumulated.
  • We have given our family the current lifestyle, so we have the reposibilities to maintain the same for them even when we are not there.

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Health Insurance
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Health Insurance

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In India, the prevailing health care scenario has not been of a high order that prevails in developed nations. The kind of medical facilities that are provided by the governments falls grossly inadequate to meet the ever increasing needs felt by citizens . Hence, most often, people are dependant upon private medical facilities, which over the years, have become increasingly costly with the advancement in the field of medicine. This has thrown up the need for going for voluntary health insurance commonly named as Mediclaim Policy.  
How does it work? 
These private health insurances give the person some control over the choice of provider, facility and timing of treatment. It provides a general peace of mind that their medical expenses are covered. The policy provides for reimbursement of Hospitalization / Domiciliary hospitalization expenses foe illness/ disease suffered or accidental injury sustained during the policy period. The policy pays for expenses incurred under the following heads:
  • Room, Boarding Expenses in the hospital/ nursing home.
  • Nursing expenses.
  • Surgeon, anesthetist, medical practitioner, Consultants, Specialist fees.
  • An anesthesia, blood, oxygen, OT charges, Surgical appliances, Medicines and drugs, Diagnostic Materials and X-ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs and Cost of organs and similar expenses.

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Motor Insurance
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Motor Insurance

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  • Individual and Group- Ordinary and Floater health Insurance Policy
  • Cash free hospitalization in numerous hospitals across India.
  • Reimbursement of expenses during Pre- Hospitalisation and Post- Hospitalisation stages of treatment.
  • A number of minor surgeries that require less than 24 hours hospitalization covered under the UNIQUE day care procedure.
  • Reimbursement of expenses incurred on ambulance services to the nearest hospital where Emergency Health facilities are available

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Travel Health Insurance
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Travel Health Insurance

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There's a lot you're exposed to while traveling abroad. And even though you've planned everything down to the smallest detail, there's no telling when a calamity might strike. A sudden illness, loss of baggage, a financial emergency.... with Travel Health Insurance from you can be sure you're covered for a whole host of calamities that may occur while traveling abroad.

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Personal Accident
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Personal Accident

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An accident can happen at any time. And it could leave you with permanent harm or temporary disability, both of which could affect your life and your family. Apart from cover for life and injury, insurance offers other unique and unmatched features.
  • Weekly benefit
  • Medical Reimbursement
  • Education Benefit
  • Modification of residential accommodation and own vehicle
  • Ambulance hiring charges

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Household Insurance Policy
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The most popular domestic insurance cover available in the Indian market is the Householders’ Insurance policy. To an Average Indian, home is a cherished and precious possession, not just in terms of money, but also in terms of the sentiments attached to it. Any loss or damage to the house or household goods would cause not only financial strain but also sentimental setback. Household insurance helps to mitigate, at least the financial losses, arising out of risks like fire, theft, natural disasters, breakdown of household appliances, personal liabilities.

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