Stop the Tax Leakage: Save on LTCG/STCG Before March 31st

Dear Investors,

As we approach the end of the financial year on March 31st, it is a good time to review your portfolio not only for growth, but also for tax efficiency.

If you have booked profits this year (Short Term or Long Term), you may have a tax liability. However, many investors miss a simple and legal strategy that can reduce this tax: Tax Loss Harvesting.

What is Tax Loss Harvesting?

It means selling underperforming stocks in your portfolio at a loss. This loss can be used to reduce the tax on your profitable trades.

This helps you legally lower your taxable gains and keep more money invested for future growth.

How I will help you:

1. Portfolio Audit

I will review your current holdings and identify stocks where losses can be used for tax adjustment.

2. Strategic Selling

We will decide which stocks can be sold to offset your STCG or LTCG.

3. Rebalancing

After selling, I will guide you whether to buy the stock again or move the money into better quality stocks with stronger potential.

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How Much Can You Actually Save? (3 Real-World Examples)

Tax Loss Harvesting works like a discount on your tax bill. Here are some examples based on portfolio size.

Scenario 1: Small Portfolio (Invested: ₹5 Lakhs)

Realized STCG: ₹50,000

Tax due @ 20% = ₹10,000

The Move:

You sell a weak stock currently at a ₹30,000 loss.

New Taxable Gain:

₹50,000 − ₹30,000 = ₹20,000

New Tax Due:

₹4,000

Instant Savings: ₹6,000

Your ₹2,000 fee is recovered 3 times.

Scenario 2: Moderate Portfolio (Invested: ₹25 Lakhs)

Realized LTCG: ₹3,25,000

After exemption:

₹3,25,000 − ₹1,25,000 exemption = ₹2,00,000 taxable

Tax due @ 12.5% = ₹25,000

The Move:

You have a slow or stagnant stock with a ₹1,50,000 loss.

New Taxable Gain:

₹3,25,000 − ₹1,50,000 = ₹1,75,000

Exemption:

First ₹1,25,000 is tax-free

New Tax Due:

12.5% of ₹50,000 = ₹6,250

Instant Savings: ₹18,750

Your ₹1,000 fee as a paid client becomes almost 18 times the value.

Scenario 3: High Capital Portfolio (Invested: ₹1 Crore+)

Realized STCG: ₹10,00,000

Tax due @ 20% = ₹2,00,000

The Move:

We identify ₹4,00,000 losses from earlier positions and harvest them.

New Taxable Gain:

₹10,00,000 − ₹4,00,000 = ₹6,00,000

New Tax Due:

₹1,20,000

Instant Savings: ₹80,000

Expert Move:

We can also redeploy that ₹4 Lakhs into a high-quality value stock from our watchlist.

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The Fee Structure:

For New Leads / Future Clients:

₹2,000 (Fixed)

For Existing Paid Clients:

₹1,000

Flat 50% discount as a small thank you for your continued trust since 2017.

The Deadline

To ensure smooth execution and settlement before the financial year closes, we need to finalize all harvesting trades by March 20th.

Interested?

Simply message me on WhatsApp at as "TAX SAVE", we will guide you on the next steps and collect your capital gains statement.

Do not let the taxman silently reduce your profits.With proper planning, you can legally keep more of what you earn and reinvest it for the future.

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