A short, practical checklist to review before the financial year closes — none of this is personalised advice; for a plan tailored to your situation, book a discovery call with our advisory desk.
1. Exhaust Section 80C efficiently
ELSS funds carry the shortest lock-in (3 years) among 80C options and offer equity-linked growth potential — worth comparing against PPF/insurance-linked options based on your liquidity needs.
2. Harvest long-term capital gains up to the exemption threshold
Booking long-term equity gains up to the annual LTCG exemption limit each year (and reinvesting) can meaningfully reduce lifetime tax drag versus one large redemption later.
3. Review NPS Tier-I top-ups
The additional deduction under Section 80CCD(1B) is often under-utilised — worth checking if a top-up before year-end makes sense given your overall asset allocation.
4. Reconcile advance tax obligations
If you've realised capital gains or other income this year, confirm your advance tax instalments are on track to avoid interest under Sections 234B/234C.