Lawgical Station
01 · Salaried professional

Income tax filing and tax planning
for salaried professionals.

You work hard and earn well. You file your ITR every year — through a CA, a platform, or yourself. And somewhere at the back of your mind, every March, you wonder: am I paying more than I should? In our experience, the answer is almost always yes.

From our CA's experience

“In all my years of practice, eight out of ten salaried clients who walk in for the first time are leaving ₹1 to ₹4 lakhs on the table every year. Not because they're careless — but because nobody ever sat with them for 30 minutes and went through their complete income picture. Not a filing session. A proper planning conversation. Most CAs never have that conversation. We always start there.”

— From a senior CA with 25 years of practice at Lawgical Station
What we see — the real problems
Problem 01
Old vs new regime — nobody ran the actual numbers for you
Most people choose their regime once and never revisit it. The difference between the right and wrong choice is ₹1–5 lakh a year. Your income, deductions and investments determine which wins — not a generic recommendation.
Affects 90% of salaried taxpayers
Problem 02
Only claiming 80C — missing 6 more deduction heads
Most salaried filers know 80C. Few claim 80D (medical insurance), HRA (correctly), 80E (education loan), NPS under 80CCD(1B), home loan interest, or eligible donations under 80G. Missing even two of these costs ₹50,000 to ₹1.5 lakh every year.
Average annual loss: ₹80,000–₹2L
Problem 03
An income tax notice arrived — and your CA is unavailable
Scrutiny notice, deficiency notice, or demand under 143(1). Seven to thirty days to respond. A wrong response locks in the demand. This is the midnight call we take regularly — and handle completely.
200+ notices resolved, 0 missed deadlines
Problem 04
Multiple income sources filed under the wrong head
Salary + rental income + stock gains + freelance work. Each has different tax treatment, different forms, different schedules. Filing them together incorrectly creates income mismatches the system catches — typically 2–3 years later, with interest.
IT / SoftwareDoctorsFinance professionalsConsultants
What we do for you
A planning conversation first. A filing after.

We do not start by collecting your Form 16. We start by understanding your complete income picture — all sources, all expenses, all existing investments. Then we model both regimes with your actual numbers and show you the difference in writing.

Full 8-head deduction review — not just 80C
Old vs new regime comparison with your real figures
ITR filed under the right form — ITR-1, 2 or 3 as applicable
Notice response included — if it comes for work we filed, we handle it at no extra cost
What you need to bring: Form 16, bank statement, rent receipts if any, investment proofs. Nothing more.
Starts at ₹3,500/year. Most salaried clients save 8–15x our fee in the first year alone.
Case we solved — ITR optimisation for a salaried professional
Priya Sharma — Software Engineer, Mumbai
₹22L annual salary · Filed own ITR for 9 consecutive years · No previous tax planning
PS
The situation

Priya had filed her ITR every year and claimed only her 80C investments under ELSS and LIC. She had never claimed HRA (her rent agreement existed but “nobody asked for it”), 80D on her family floater insurance, NPS contributions through her employer under 80CCD(2), or the education loan repayment from 4 years ago still under 80E.

What we found in the first meeting

HRA exemption: ₹2.1 lakh. 80D premium: ₹25,000. NPS employer contribution (80CCD(2)): ₹44,000. Education loan interest (80E): ₹36,000. Four deductions. Four heads she had never heard mentioned in 9 years of filing.

₹4.5L
Refund from 2 revised returns
₹2.1L
Saved every year going forward
3 wks
First call to refund application
0
Notices in the 2 years since

“What stays with me about Priya's case is that she had a CA every single year. A competent person. But the conversation was never ‘tell me about all your expenses and investments’ — it was always ‘send me your Form 16.’ One conversation was worth 9 years of what she'd been missing.”

The one thing we tell every salaried client in our first meeting
Before anyone files your ITR, make them ask you these eight questions.

Do you pay rent? That is your HRA. Do you have health insurance? That is 80D. Any education loan in repayment? That is 80E. Does your employer contribute to NPS? That is 80CCD(2) on top of your ₹1.5 lakh limit. Home loan? Section 24. Do you donate to any charity or institution? 80G.

If your CA has not asked you at least four of these questions before filing — not after, before — you are likely leaving money on the table right now.

This is not a sales pitch. It is a checklist you can use regardless of who files for you. If they ask the questions, great. If they don't — you know what to ask them.
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