Komal is a highly qualified and experienced finance professional who has been working with The Gainers for over three years. She has an MBA in Finance and Operations from IMT Ghaziabad, one of the most reputed management institutes in India. She also has a Masters in Commerce and CA(Inter) qualifications.
As a part of The Gainers team, Komal is responsible for enhancing the customer experience and ensuring that their financial goals are met. She has a deep understanding of the banking, insurance, NBFC and education sectors, and has worked as a branch manager in a leading private sector bank before joining The Gainers. She has a proven track record of delivering excellent financial results and developing talent in her team.
Komal has also completed the CFGP Advanced Level Program, which is a comprehensive and rigorous course that covers both theoretical and practical aspects of financial planning. She has demonstrated her expertise and skills in various areas such as investment planning, retirement planning, tax planning, estate planning and risk management. She is committed to providing ethical and professional advice to her clients and helping them achieve their financial dreams.
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Tax Saving Investment
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When Should You Start Tax Planning?
The ideal time to start tax planning is at the beginning of the financial year – not in the last quarter. Many investors delay decisions until deadlines approach, often leading to rushed and inefficient choices. A structured tax planning approach allows you to spread investments thoughtfully, align them with long-term goals, and avoid unnecessary pressure.
Remember: Tax efficiency should be the outcome of good financial planning – not the sole objective.

Understanding Tax Planning Options Under Section 80C
Section 80C offers multiple tax-saving avenues, each serving a different purpose. The suitability of these options depends on your goals, time horizon, liquidity needs, and overall financial plan – not just returns or tax benefits.
| Investment Option | Role in Planning | Lock-in / Liquidity |
|---|---|---|
| ELSS Mutual Funds | Long-term wealth creation with tax efficiency | 3 years |
| National Pension Scheme (NPS) | Retirement-focused tax planning | Till retirement |
| ULIP | Insurance + long-term investment (needs careful evaluation) | 5 years |
| Endowment Plans | Conservative savings + insurance | Plan dependent |
| Bank Fixed Deposits (80C) | Capital protection & fixed-income stability | 5 years |
| Term Insurance | Risk protection (not an investment) | Policy term |
Our End-to-End Approach to Tax Planning & ELSS Advisory

Tax & Financial Assessment
Evaluate income, tax slab, goals, and existing investments

Transparent & Compliant Advice
Clear explanation of features, lock-in, risks, tax impact

Suitability-Based Recommendations
Recommendations aligned to goals, horizon, liquidity

Execution & Ongoing Review
Guided execution support with periodic reviews to keep your portfolio aligned with goals and risk.
Other Tax-Saving Opportunities Beyond Section 80C
In addition to Section 80C investments, the Income Tax Act offers several other provisions that may help reduce tax liability. The applicability and limits depend on individual income structure, age, and financial situation.
✔ Health Insurance (Section 80D)
Tax benefits may be available on health insurance premiums paid for self, family, and parents, including higher limits for senior citizens. Certain medical expenses may also be considered in specific cases.
✔ Home Loan Benefits (Sections 24 & 80EE/80EEA – subject to conditions)
Interest paid on home loans and principal repayment may offer tax benefits, depending on property type, loan eligibility, and prevailing tax rules.
✔ Education Loan Interest (Section 80E)
Interest paid on education loans for higher studies may qualify for tax deduction for a specified period.
✔ Donations to Approved Institutions (Section 80G)
Contributions to eligible charitable organizations may provide tax deductions, subject to conditions and limits.
⚠️ Tax laws and limits are subject to change. Eligibility and benefit amount vary based on individual circumstances.
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or call us at 882 689 6236
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