Kunj R Bhojwani & Co

Most founders focus on growth. The smartest founders focus on resilience.
Keyman Insurance is the "invisible partner" that ensures your company stays liquid, your taxes stay optimized, and your legacy stays intact.
1. Protect the "human capital" that drives your revenue.
2. Grow long-term financial value within the company.
3. Save on corporate tax through strategic planning.
Ready to institutionalize your business?
DM "KEYMAN" for the details.

Save ₹4.2L in taxes by switching to the correct regime.

A salaried client earning ₹18L came to us mid-year.
They had switched to the New Regime at the start of the year assuming it was simpler.
After reviewing their HRA claim, employer NPS contribution, and actual deductions — we found they would save ₹4.2L
more under the Old Regime.

We helped them switch mid-year and restructure their CTC before March 31st.
This is what planning looks like.

DM us REGIME and we’ll run the numbers for you.

Our clients don’t just file taxes. They build tax-efficient wealth.

Filing a tax return is the bare minimum.
Our clients leave every financial year with a plan for the next one investments timed, deductions structured, and
capital gains managed before the March panic.
Tax planning is year-round work. The return is just the summary.

DM us PLAN to start working with us.

Stop building on the wrong foundation. 🏗️

Most founders pick a legal structure based on "what’s cheapest" today. But your legal structure isn't just paperwork—it’s your growth strategy in disguise.
If you choose an LLP but want to raise VC money later, you’re looking at a messy, expensive conversion. If you choose a Private Limited for a simple agency, you’re drowning in audit fees you don’t need.

The Breakdown:
🔹 LLP: For the lean, the bootstrapped, and the profit-first.
🔹 Pvt Ltd: For the disruptors, the fundraisers, and the exit-seekers.
Swipe through to see which "End Game" matches your vision.

Which one are you leaning towards?
Let’s discuss in the comments.

Not all insurance premiums save you tax.

Life insurance premiums: Deductible under 80C (up to ₹1.5L total limit).
Health insurance premiums: Deductible under 80D (₹25,000 for self/family, ₹50,000 for senior citizen parents).

ULIPs: Premium deductible under 80C, but maturity tax rules changed significantly in 2023.
Term insurance: Premium is deductible under 80C and the payout is fully tax-free.

The right insurance strategy protects your family and reduces your tax bill.

DM us PLAN and we’ll review your insurance coverage for both goals.

What Is a VCFO and Why Growing Businesses Need One Before They Think They Do

A Virtual CFO isn’t a luxury for large companies.
It’s a strategic necessity for businesses crossing ₹1–5Cr in revenue.

A VCFO provides: Financial reporting and dashboards. Cash flow forecasting. Investor-ready accounts. Tax and
compliance oversight. Board-level financial advisory.

Without one, most founders make financial decisions based on their bank balance not on data.

DM us VCFO and we’ll explain what this looks like for your stage of growth.

ELSS vs PPF vs NPS — Which Tax-Saving Instrument Is Right for You?

All three qualify under Section 80C. But they’re very different instruments.

ELSS: 3-year lock-in. Market-linked returns. LTCG applies on gains above ₹1.25L.
PPF: 15-year lock-in. 7.1% guaranteed (govt rate). Fully tax-free on maturity.
NPS: Lock-in till 60. Partial withdrawal allowed. 60% tax-free on maturity.

The right choice depends on your age, income, risk appetite, and liquidity needs.

DM us PLAN and we’ll tell you exactly which mix works for your situation.