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Value Ethics Wealth Managers Private Limited

Pune, Maharashtra

| GST  27AADCV4829N1ZQ

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Financial Planning

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Value Ethics Wealth Managers pvt ltd. is a Financial Planning Services Company based out of Pune dedicated to helping Individuals,Families & companies achieve there financial Goals. 
 Mr. Niraj Rathi is the Promoter & Director for Value Ethics Wealth Managers Pvt ltd. The firm is in Existence since 2010 & growing leaps and bounds in the field of Wealth management across  various spectrum of wealth management products through Exclusive base of HNI & corporate Clients.
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Nature of Business

Service Provider

Year of Establishment

2010

Legal Status of Firm

Limited Company (Ltd./Pvt.Ltd.)

GST Number

27AADCV4829N1ZQ

Tax Calculator
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Income Tax Calculator FY 2013-14
ParticularsDetails Amount(Rs)
Gross Income(CTC)Salary, Bonus, Allowances, Other income etc 
HRA Exemptions us/ 10AHRA Calculation [ Calculate Now] 
Other Exemptions u/s 10AMedical, Conveyance etc 
Profession TaxProfessional Tax 
Net Income under SalariesGross Income - Exemptions
 
Deductions u/s 80 CInvestments in PF, PPF, Life Ins, ELSS, NPS etc 
Deductions u/s 80 CCGInvestments in RGESS (50% of Investments) 
Deductions u/s 80DMedical Insurance Premium (Self, Parents) 
Tax Benefit u/s 24Interest Paid on Home Loan (Max 1.5L) 
Tax Benefit u/s 80-EEInterest Paid On Home Loan (1Lac if eligible) 
Total Deductions/Benefits  
 
Taxable IncomeTax payable on this income0
 
 
Tax SlabSlab IncomeTax RateTax Amount
Income Tax Payee TypeMale, Female, Sr. Citizen>60 years, Very Sr. Citizen>80 years 
000%-
0010%0
0020%0
0+030%0
Tax on Total Income 0
Surcharge10% on Tax if Income > Rs. 1 Crore10%0
Tax with Surcharge  0
Education Cess 3%0
Tax with Cess  0
Tax CreditUpto Rs.2000 if Taxable Income < Rs. 5 lakhs 0
Tax Liability 0
 
Income Tax Ratio
Monthly IncomeGross Income/12 0
Monthly Tax (Appx TDS)Tax Liability/12 0
Income Tax RatioTax Liability/Gross Income .00%

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Fixed Deposit
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Fixed Deposit

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FDs are one of the oldest and most common methods of investing. When it comes to assured returns, choosing the right type of savings scheme makes all the difference. Fixed Deposits let you make the most of value-added benefits as you create wealth at low risk.

Fixed Deposits in companies that earn a fixed rate of return over a period of time are called Company Fixed Deposits.
 
Types of Companies offering Fixed Deposits
  • Financial Institutions
  • Non-Banking Finance Companies (NBFCs).
  • Manufacturing Companies
  • Housing Finance Companies
  • Government Companies &
    You can also go for Fixed Deposits with Banks.
 
Features and Benefits
  • Company Fixed Deposits offer comparatively higher returns than banks.
  • Choose the best tenure for you from a wide range as per your convenience. You can choose how frequently you want to receive your interest payments:
    • Maturity
    • Yearly
    • Half-yearly
    • Quarterly
    • Monthly
  • Company Fixed Deposits are non transferable that means there is no fear of FD receipt being stolen. In case it falls into wrong hands, it cannot be misused.
  • Premature encashment of deposit is available any time subject to payment of prescribed penalty.
  • Diversify Risk- The deposits should be spread over a large number of companies engaged in different industries. This way, you'll be able to diversify your risk among various industries/companies.
  • Wide Choices- Many companies operating in the Company Deposit market. This will help you decide whether to renew or reshuffle the deposit.
  • Attractive rates as applicable from time to time.

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Tax Planning
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Tax Planning

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There is more to tax planning than exemptions available on savings.  With our advice, you will pay the right amount of tax, not more and not less.  You will also know how to tax proof your incomes and gains.  After all, your capital is more productive in your hands and it can work wonders for you if planned properly.
 
Our advice
  • By careful planning, one can reduce tax liability substantially.
  • Declaring at the start of the FY is most important
  • Don’t wait for last minute. Start in April and use monthly investments to reduce risk. It will be easier on your pocket as well.
  • Try and achieve tax planning and also planning for your needs simultaneously
  • Use tax efficient investment avenues. You should not be paying too much tax on their returns
 
Tax planning is not a device to reduce tax burden. In fact, it helps savings by investments in government securities. Savings reduce extravagance, and correspondingly inflation. Tax savings are permitted only for investment made in government securities and bonds of priority sectors which ultimately help the nation. Therefore, the savings in tax help the Central and state governments to mobilizes funds by way of investments and as such the government earns much by way of other benefits, by sacrificing small amount of tax. The Supreme Court in one case observed that "Tax planning may be legitimate provided it is within the framework of Law". By tax planning, the government is equally benefited.
 
Savings and investments are interconnected. Before making investments the person has to consider various factors such as
  • Liquidity-when he requires the amount to meet the educational expenses of children, for marriage, house construction or for a secure future after retirement.
  • Security of the investment.
  • The return and tax on income on such investments.

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Tax Deduction
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Tax Deduction

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Deductions under Chapter VI (sec 80C)
• Deduction under Pension scheme (sec 80C).
• NSC (sec 80C).
• Public Provident Fund (sec 80C).
• Employees Provident Fund & Voluntary PF (sec 80C).
• Children's Education (sec 80C).
• Housing loan principal repayment (sec 80C).
• Insurance premium (sec 80C).
• Infrastructure Bonds & others (MF, ULIP, etc.) (sec 80C).
 
• Medical Insurance Premium (sec 80D).
• Medical for handicapped dependents (Sec 80DD).
• Medical for specified diseases (Sec 80DDB).
• Higher Education Loan Interest Repayment (Sec 80E).
• Donation to approved fund and charities (sec 80G).
• Rent deduction (sec 80GG) only if HRA not received.
• Deduction for permanent disability (80U).
 
Deductions from gross income on Life Insurance premium paid.
Under Sec.80C of the Income Tax Act.
Premiums paid up to maximum of Rs.1,00,000 subject to maximum of 20% of Capital sum Assured under Traditional & Unit linked Plans.

Under Sec.80CCC of the Income Tax Act.
Premiums paid up to maximum of Rs. 1,00,000 under pension plans. However, u/s.80 CCE, the aggregate amount of deduction under section 80C, section 80CCC, and section 80CCD shall not, in any case exceed one lakh rupees.

Under Sec.80DD of the Income Tax Act.
Premiums paid under plans exclusively for physically handicapped persons upto Rs.50,000/-In case of severe disability as certified & issued by the medical authority upto Rs. 75,000/-
Exemption of Life Insurance Proceeds.

Under Sec.10(10D) of the Income Tax Act.
Maturity benefits are tax free. However in cases where premium exceeds 20% of capital sum assured within a year, benefits paid in excess of premiums paid will be taxable.
Death benefits are tax-free.
 
Section 80CCF: Investment in Long Term Infrastructure Bonds
Investments in Long Term Infrastructure Bonds issued by Industrial Finance Corporation of India, LIC, Infrastructure Development Finance Company Limited or a Non-Banking Finance Company classified as an Infrastructure Finance Company by RBI with a minimum tenure of 10 years and Lock in period of 5 years. Maximum amount of deduction available is Rs. 20,000/- The deduction is over and above the combined deduction of Rs. 100,000/- available under section 80C, 80CCC and 80DDD.

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Financial Planning
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Financial Planning

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Financial planning is a long-term process of wisely managing your finances so that you can achieve your goals and dreams. These goals may include
  • Buying a house
  • Saving for your child's education
  • Your daughter's marriage
  • Buying a car
  • Eventually planning for retirement
 
How to make Financial Planning work for you?
  • Set realistic goals - Set realistic goals. Set specific targets of what you want to achieve and when you want to achieve results. Be quantitative wherever possible. You may dream of your goals but be in touch with ground reality. Not all can be a Rockefeller.
  • Understand Risk and Return - Understand that there is no free lunch. Risk and return are interrelated. Set reasonable objectives. Do not expect high yield investments not to carry any additional risk, they usually do. Most people underestimate the stress of a high-risk plan on its way down. In most cases its better to be safe than sorry.
  • Review your Plans - Once the plan has been implemented, it requires a periodic review. This is imperative to adjust the plan to the changing situation in one's life, financial situation and income levels.
  • Start Early in Life - There is a myth that financial planning is for the elderly. The earlier you start financial planning the better of you will be in achieving your life's goals. It's more advantageous to save small amounts of money at a younger age than to wait till one is much older to save large sums.
  • Execute the Plan on time - Financial planning is a perishable commodity. What is available today may be gone tomorrow. Speed and timeliness of execution makes the difference between a millionaire and an average performer. If you have doubts about your ability to execute the plan in a timely.

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Marriage Planner
This planner helps you to see the future expenditure which will be incurred at the time of marriage of your children.
Child's age today(Years) 
Child will get married at the age of(Years) 
Cost incurred on wedding(Rs.) 
Annual Savings(Rs.) 
Expected rate of return on savings (%) 
Expected inflation rate (%)

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