The Tax Architecture Programme FY2026-27 — Rajat Dhar

Programme Structure

Five sessions.
Built for who you are.

The hub covers what every investor must decide in May. The deep dives go into the precise architecture for your segment — data-driven, structured for implementation, not motivation.

Everything you receive across the full programme

Five sessions, five independently usable document kits. Each kit is built to professional advisory standard — the same depth as a paid engagement, packaged for self-use after the session ends.

Session
Notes

Slide
Decks

116

Total
Slides

Working
Calculators

Action
Checklists

150+

Glossary
Terms

25+

Case Study
Citations

★ Hub Session · Universal · All Investors · 2 Hours

Saturday · May 9, 2026 · 11:00 AM IST

FY First Move · Master Session

Tax Architecture, Portfolio Reset & The Decisions Every Investor Must Make Before June 15

The new regime is now default. This session builds the tax-efficient family-level architecture within it from Day 1. Every attendee leaves with a concrete action checklist for the next 37 days.

New Regime Optimisation Employer NPS 80CCD(2) LTCG Reset — April Window Advance Tax — June 15 Capital Gains Harvesting Family-Level Tax Architecture Asset Location Strategy FY27

₹799

Hub session only · Recording + full kit included

Reserve Seat →

What you will cover

M1Old vs new regime — the break-even income calculation most people have never run for their specific number
M2LTCG harvesting — how to use the ₹1.25L annual exemption to reset your cost base without exiting positions
M3Advance tax calendar — the June, September, December deadlines and how to not get caught short
M4SWP vs dividend payout — which withdrawal structure costs less in FY27 and why the answer changed post-Budget
M5Interest income restructuring — FD vs debt MF vs bonds after the 2023 tax amendment, with real post-tax comparison
M6The portfolio audit framework — 5 questions every investor must answer before June across equity, debt, tax, and insurance

What you take home

📊

Session Presentation — 42 slides (incl. 14-slide M6 supplement)

Modules 1–6 · full navy/gold branding

📄

Full Session Notes (docx)

Every rule, exception, and example at full mechanical depth

📈

4 Working Calculators

LTCG Harvesting · Advance Tax · SWP Comparison · Tax Loss Harvesting

✅

Pre-session + Action Checklists

What to collect before June · actions by category

📋

FY2026-27 Reference Card + Case Booklet + Glossary (50 terms)

Slab rates · LTCG/STCG rates · key dates · real case citations

Deep Dive A · Defence & Pensioners

Friday · May 15, 2026 · 6:00 PM IST

The Income Architect (RETIREES)

Tax-Efficient, Inflation-Protected Income for Life

Built for defence personnel, government retirees, and pensioners who want predictable, tax-minimised income from a structured portfolio.

Pension & Gratuity Tax Treatment SWP vs Interest vs Dividend Income Laddering 80TTB / 80C / 80D Stack Succession Architecture

₹1,299

Includes hub + this deep dive

What you will cover

A1Pension as a tax event — OROP, family pension, commuted vs uncommuted — where most retirees overpay
A2FD vs debt MF after the 2023 amendment — the real post-tax comparison for a 30% taxpayer at current rates
A3SWP architecture — structuring a tax-efficient monthly income from a ₹50L–₹2Cr corpus without liquidating growth
A4Section 80TTB, 80C, 80D — the senior citizen deduction stack and how to sequence them for maximum benefit
A5The nominee trap — why nomination is not inheritance, and the insurance exception to the SC 2023 position

What you take home

📊

Presentation — 18 slides

A1–A5 full curriculum · income architecture visuals

📈

4 Calculators

Income Architecture · Pension Optimiser · Corpus Drawdown · Instrument Matrix

📄

Full Session Notes + Glossary (30 terms)

All modules at full mechanical depth

✅

4 Checklists · Reference Card · Case Studies · Resource Directory

Retirement income rates · real case citations · all portals

Deep Dive B · NRI

Saturday · May 16, 2026 · 10:30 AM IST

The NRI Tax Blueprint (NON - RESIDENT)

Cross-Border Portfolio Architecture — US, Singapore, Gulf, UK & Europe

Built for Non-Resident Indians who want a structurally tax-efficient portfolio from Day 1 of the financial year — jurisdiction-specific, FEMA-compliant.

DTAA by Jurisdiction NRE / NRO Architecture LRS & Remittance Gift City IFSC Repatriation Planning

₹1,999

Includes hub + this deep dive

What you will cover

B1Residential status — when you become an NRI for tax purposes, the 182-day rule, and the RNOR window most miss
B2Income leak audit — which Indian income is being over-deducted at source and what you need on file to recover it
B3DTAA applied — claiming treaty relief on dividends, interest, and capital gains across USA, UAE, UK, and Singapore
B4LRS and remittance planning — TCS rates, Form 15CA/CB requirements, and the ₹7L threshold mechanics
B5NRI capital gains planning — indexation eligibility, the surcharge trap on equity gains, and CGT across MF and direct equity

What you take home

📊

Presentation — 28 slides

B1–B5 · treaty comparison tables · TRC process flowchart

📈

4 Calculators

NRI Status Checker · Income Leak Analyser · Treaty Quantifier · CGT Planner

📄

Full Session Notes + Glossary (30 terms)

FEMA, DTAA, LRS, and repatriation planning at full depth

✅

4 Checklists · Reference Card · Case Studies · Resource Directory

NRI-specific rates · real case citations · FEMA/RBI portals

Deep Dive C · HNI & Multi-Income

Saturday · May 16, 2026 · 3:00 PM IST

The Wealth Architect (HNWIs)

ESOP, Multiple Income Sources, Family Entities & Estate

Built for HNIs with ESOP income, multiple income heads, or complex family wealth — where the right structure saves disproportionately more tax.

ESOP — Allotment to Exit Multi-Income Structuring HUF / LLP / Trust PMS vs AIF vs MF Estate & Succession

₹1,999

Includes hub + this deep dive

What you will cover

C1Portfolio structure — dividing ₹1Cr+ across equity, MF, debt, and alternatives with tax efficiency as the primary lens
C2LTCG harvesting — the systematic annual reset, re-entry timing, and why doing this in March rather than April costs one year of growth
C3HUF as a tax entity — creation mechanics, what qualifies as HUF income, income splitting rules, and how to partition correctly
C4Alternate assets — AIF Cat II & III, PMS, InvIT, REITs — which layer they occupy in a portfolio and when entry is tax-efficient
C5Estate architecture — nominee vs legal heir vs trust vs will — which structure works for which asset class and the SC 2023 position

What you take home

📊

Presentation — 30 slides

C1–C5 · portfolio matrix · HUF creation flowchart · estate structure grid

📈

4 Calculators

LTCG Harvesting Tool · Portfolio Structure Planner · HUF Splitter · Alternate Asset Layer

📄

Session Notes (30+ pages) + Glossary (30 terms)

HUF partition mechanics · D3 precedent · AIF-PMS comparison at full depth

✅

4 Checklists · Reference Card · 5 Case Studies · Resource Directory

HNI tax rates card · real case citations · SEBI, RBI, MCA portals

Deep Dive D · MSME & Business Owners

Saturday · May 16, 2026 · 6:00 PM IST

The Business Wealth Architect (MSME OWNERS)

Separating Business Wealth from Personal Wealth — FY2026-27

Built for business owners and MSME operators who want to extract, protect, and compound personal wealth legally and systematically from this financial year.

Business Tax Architecture FY27 Presumptive Tax 44AD/44ADA Section 43B(h) MSME Rules Keyman Insurance — 3 Stage Chain Succession Planning

₹1,499

Includes hub + this deep dive

What you will cover

D1Which structure pays least tax — Proprietorship vs Partnership vs LLP vs Pvt Ltd at your specific profit level
D2Presumptive taxation (44AD/44ADA) — when it saves money and the 5-year opt-out lock you cannot undo
D3Director salary vs dividend — the optimal split in a Pvt Ltd that minimises combined tax across promoter and company
D4Section 43B(h) MSME payment rules and Keyman Insurance — CBDT Circular 5/2012 three-stage tax chain in full
D5Advance tax as a cash flow problem — quarterly cash impact and the September stress test for growing businesses
D6Business succession architecture — who owns the business if you can't run it · slump sale vs itemised transfer

What you take home

📊

Presentation — 40 slides

Opening audit + 6 decision modules + close · navy/gold branding

📈

4 Calculators · 142 Formulas · 0 Errors

Structure Comparator · Presumptive Tax Analyser · Salary vs Dividend Optimiser · Advance Tax Planner

📄

Session Notes (969 lines) + Glossary (30 terms)

43B(h) full rule set · Keyman 3-stage chain · B6 by-structure succession table

✅

4 Checklists · 7 Reference Tables · 5 Case Studies · Resource Directory

Real citations incl. SC 91 ITR 393 · Finance Act 2023 s43B(h) · CBDT Circular 5/2012

★ Best Value — Multi-Segment

Hub + 2 Deep Dives

For investors who span two segments — an NRI with HNI investments, a retiree with children abroad, or an MSME owner with significant personal wealth.

FY First Move · Master Session (May 9)
Any two deep dives of your choice
All session recordings
Complete notes + calculator kits — all sessions
Priority Q&A — submit questions in advance

₹2,499

Three sessions total

Full Access

Full Access Pass

All five sessions. For the investor who wants complete clarity across every dimension — tax, income, cross-border, wealth, and business structure.

FY First Move · Master Session (May 9)
All 4 segment deep dives (May 15–16)
All 5 session recordings
Complete notes + calculator kits — 55+ files total
Priority Q&A across all sessions
Post-programme discovery call with Rajat

₹3,499

Five sessions total

Corporate Access — 5+ Employee Seats

GST invoice · Tax-deductible as L&D expense · 25% off standard pricing · CFO debrief available post-programme

Enquire for Corporate Access →

What's included	Hub OnlyMay 9	Income ArchitectHub + Defence	Biz Wealth Arch.Hub + MSME	NRI BlueprintHub + NRI	Wealth ArchitectHub + HNI	Hub + 2 DivesAny two	Full AccessAll 5 sessions
Master Session (May 9)	✓	✓	✓	✓	✓	✓	✓
Segment deep dive	—	Income Arch.	Biz Wealth Arch.	NRI Blueprint	Wealth Arch.	Any 2	All 4
Session recording	✓	✓	✓	✓	✓	✓	✓
Notes + calculators kit	✓	✓	✓	✓	✓	✓	✓
Live Q&A	✓	✓	✓	✓	✓	✓	✓
Participation certificate	✓	✓	✓	✓	✓	✓	✓
Priority Q&A	—	—	—	—	—	✓	✓
Discovery call with Rajat	—	—	—	—	—	—	✓
Price	₹799	₹1,299	₹1,499	₹1,999	₹1,999	₹2,499	₹3,499
	Register	Register	Register	Register	Register	Register	Register

Common Questions

Before You Register

I am an existing client of Rajat. Do I still pay?

Existing active clients receive the Master Session complimentary. Deep dive sessions are available at 50% of standard pricing. Contact +91 9560 489 579 on WhatsApp before registering to confirm your access and receive your complimentary link.

I span two categories — NRI with HNI investments, or a retiree with children abroad. Which do I choose?

Hub + 2 Deep Dives is designed for exactly this situation. You choose any two segment deep dives at registration. One payment covers the hub session and both your selected deep dives.

How do I receive my Zoom join links?

Within 15 minutes of payment, you receive a WhatsApp message with unique join links for every session you registered for. You will receive WhatsApp reminders 24 hours and 1 hour before each of your sessions.

Will sessions be recorded?

Yes. All registered attendees receive recording access within 72 hours. Live attendees receive live Q&A access — recording-only buyers do not.

How does the LinkedIn certificate discount work?

After attending any session, you receive a named digital certificate. Post it on LinkedIn or Twitter/X and tag @RajatDharSage — send us the post link via WhatsApp at +91 9560 489 579 and you receive a 20% discount code for any future session in this programme series. Valid for 90 days from issue.

Can my company purchase seats for employees?

Yes. Minimum 5 seats. GST invoice issued — bookable as employee L&D or wellness expense. 25% discount on standard pricing. Write to info@finogent.com or WhatsApp +91 9560 489 579.

What is the cancellation and refund policy?

No refunds once registration is confirmed. In the event a session is cancelled by Finogent Solutions LLP, a full refund is processed within 7 working days to the original payment method.

Is this relevant if I am already invested in mutual funds through my bank or another advisor?

Yes — and particularly so. Most bank-distributed portfolios are not optimised for tax efficiency. This programme addresses the structure layer above your existing investments: how to harvest gains, how to sequence withdrawals, which instruments belong in which account type, and how your regime choice affects your existing SIPs. None of this requires you to change your distributor or liquidate your portfolio.

I file my returns myself. Is this programme for me?

Yes. This programme is not about filing — it is about planning before filing. The decisions that reduce your tax liability are made during the year, not at the time of return filing. Self-filers who attend typically discover deductions and structuring opportunities that reduce their liability before the return is even prepared.

Which session should I attend if I am a salaried professional with some equity investments?

The Hub Session (May 9) covers everything a salaried investor needs — new regime optimisation, LTCG reset, advance tax, and withdrawal structure. If your equity portfolio is above ₹50 lakh or you have ESOP income, The Wealth Architect (DD-C, May 16, 3PM) adds the HNI structuring layer. Hub-only at ₹799 is the starting point for most salaried attendees.

What format is the session? Do I need to have my camera on?

Zoom Webinar format — attendees are anonymous. Your camera is never requested and your name is not visible to other participants. You attend as an observer with the ability to submit questions via the Q&A panel. Only the host can see your submitted questions. This format is by design — it ensures confidentiality for questions about your own financial situation.

How technical are the sessions? Do I need a finance background?

No finance background is required. Every concept is explained from first principles using real numbers and plain language — not jargon. Sessions are designed for the intelligent investor who wants to understand the mechanics, not just the conclusion. CAs and financial professionals attend alongside first-time investors; the content is layered to serve both.

Will I get a chance to ask questions about my specific situation?

Live attendees can submit anonymous questions via Zoom Q&A during each session. Questions are addressed as time permits. Attendees of the Hub + 2 Deep Dives and Full Access packages receive priority Q&A access — meaning questions can be submitted 24 hours in advance and are addressed first. For personalised one-on-one advice about your specific financial situation, Full Access pass holders receive a post-programme discovery call with Rajat.

Reserve Your Seat →

Your tax clock restarted
April 1.
Most investors overpay.

Rajat Dhar took Sessions and Engagements at:

Are you one of them?
Most investors are.

Five sessions.
Built for who you are.

Everything you receive across the full programme

Every session.
Every feature.

Every attendee receives
a certificate of participation.

The consultant who
does not panic.

India Federation for
Investors & Global Traders

Time left to get your
tax architecture right.

Before You Register

Your tax clock restartedApril 1.Most investors overpay.

Rajat Dhar took Sessions and Engagements at:

Are you one of them?Most investors are.

Five sessions.Built for who you are.

Everything you receive across the full programme

Every session.Every feature.

Every attendee receivesa certificate of participation.

The consultant whodoes not panic.

India Federation forInvestors & Global Traders

Time left to get yourtax architecture right.

Before You Register

Your tax clock restarted
April 1.
Most investors overpay.

Are you one of them?
Most investors are.

Five sessions.
Built for who you are.

Every session.
Every feature.

Every attendee receives
a certificate of participation.

The consultant who
does not panic.

India Federation for
Investors & Global Traders

Time left to get your
tax architecture right.