30+ years of combined expertise in complex Indian taxation and compliance.
Discuss your unique tax situation with our senior partners. No obligation.
30+ years of combined expertise in complex Indian taxation and compliance.
Earning ₹50 Lakhs+ in salary and perquisites? Your tax strategy shouldn't end with Section 80C investments in March. Strategic structuring can reduce your effective rate by 15-25%—legally, defensibly, permanently.
High earners face the highest marginal rates (30% + 4% cess = 31.2%). Unlike business owners, you can't expense costs or defer income. Your tax is deducted at source before you even see the money.
Your company offers salary. You accept it. But salary structure is NEGOTIABLE—and different structures have wildly different tax implications.
Example: ₹1 Cr Package
February arrives. You realize you need Section 80C deductions. You dump ₹1.5L into ELSS or PPF without considering:
Professionals earning ₹1 Cr+ often qualify for ₹3-5L in old-tax regime deductions beyond 80C—but never claim them.
You have equity portfolio. Stocks have appreciated. You sell when you need liquidity—triggering STCG at 15% or LTCG at 10%.
Strategic approach: Tax-loss harvesting. Gain harvesting up to ₹1.25L exemption annually. Systematic rebalancing to minimize capital gains tax over time.
Can save ₹50K-2L annually for portfolios above ₹50L.
Since FY 2020-21, you can choose between old regime (with deductions) or new regime (lower rates, no deductions).
Most people guess which is better. We MODEL both scenarios with your actual numbers to determine which saves more.
Often the answer changes year to year. Wrong choice = ₹1-3L extra tax.
If you're negotiating new package or annual raise, we help structure it tax-efficiently:
Most professionals only use 80C (₹1.5L limit). We identify ALL available deductions:
For professionals with investment portfolios:
Old vs. new tax regime decision backed by actual calculation. We model both scenarios with your:
Even with TDS, you may owe advance tax if you have capital gains, freelance income, rental income, or interest above threshold.
Equity compensation has complex tax implications. We help with:
"I thought tax planning meant investing ₹1.5L in PPF every March. Sami showed me I was leaving ₹8 Lakhs on the table every year—legally, easily, with simple restructuring. Best part: it's all documented and audit-proof. My company was happy to restructure because it didn't cost them anything."
— VP, Technology Company (Bangalore)
Pre-negotiation advisory on how to structure new package or annual raise for tax efficiency
Comprehensive review of your tax position, deduction opportunities, and regime selection
Portfolio tax optimization, capital gains harvesting, tax-loss strategies
Exercise timing, tax treatment optimization, ESOP vs. RSU decision modeling
Professional response to income tax notices, assessment representation
Foreign salary, consulting income, DTAA benefits, Form 67 compliance
Get clarity on tax optimization strategies for high-earning salaried employees
Yes, salaried employees can switch EVERY year. You make this choice when filing your return.
This is different from business owners who have more restrictions. Sami Tax models both scenarios with your actual numbers:
Many taxpayers default to old regime without realizing new regime might save ₹1-3 Lakhs. The answer often changes year-to-year.
ESOPs (Employee Stock Options)
RSUs (Restricted Stock Units)
Key insight: For ESOPs, timing of exercise can shift tax between fiscal years. For RSUs, Sami Tax helps plan liquidity around vesting dates.
Most professionals only use 80C (₹1.5L limit). But there are 15+ other sections:
Most ₹1Cr+ earners have ₹3-5L in unclaimed deductions beyond 80C. Sami Tax finds 6-10 sections where most use only 2-3.
Completely legal. Companies restructure packages routinely. The key is genuine benefits, not artificial arrangements.
Common restructuring elements:
Most employers are happy to restructure because it often costs them nothing extra while helping you save tax.
Every year, you have ₹1.25 Lakh exemption on long-term capital gains from equity (FY 24-25). If you don't use it, you lose it.
Harvesting strategy:
For a ₹50L+ portfolio, systematic harvesting can save ₹50K-2L annually in capital gains tax over the long term.
If you're a tax resident of India (present 182+ days), your global income is taxable in India.
Key compliance requirements:
Sami Tax international service: We structure international income to maximize treaty benefits and avoid double taxation.
Schedule a 60-minute consultation. We'll review your compensation structure, identify optimization opportunities, and project potential tax savings.