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What one conversation can find

These are not hypotheticals. These are the specific, calculable savings available to a typical salaried Indian investor — today.

Priya, 38, IT professional, Bengaluru · ₹15L salary · 30% bracket

"I've had ₹8L in an FD for two years and just renewed it again without thinking about it."

₹34,800 annual tax overpayment on this one FD

FD interest taxed at 30% = ₹18,000/year. Move to Nippon Arbitrage Fund: same ~7.5% return, taxed as equity at 12.5% LTCG after 12 months = ₹7,031/year. Saving: ₹10,969/year on ₹8L alone. Over 3 years with compounding: ₹34,800 saved.

Rajan, 52, senior manager · ₹18L equity portfolio · 10+ year investor

"I have unrealised gains in my portfolio but I don't know when or how to sell."

₹15,625 free money available every year via LTCG harvesting

Finance Act 2024: first ₹1.25L of equity LTCG is tax-free annually. Most investors never book and re-buy to capture this. Rajan's ₹18L portfolio with 25% gains = ₹4.5L unrealised. He can harvest ₹1.25L tax-free this March — saving ₹15,625. Repeat every year.

Sunita & father, 68 · Corpus ₹1.2Cr in FDs · Pension ₹28,000/mo

"My father is retiring. He has ₹1.2Cr in FDs and a small pension. How do we make it last?"

₹68,000 monthly income from the right 3-bucket structure

All-FD approach: ₹1.2Cr at 7.5% = ₹90,000/year interest, taxed at 30% slab = ₹63,000 net/year = ₹5,250/month. 3-bucket plan (SCSS + BAF + arbitrage fund): ₹68,000/month net, 47% more tax-efficient, corpus protected for 25+ years.

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