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HUF Decoded: The Smartest Wealth & Tax Planning Strategy for Families!

Unlock the financial edge of HUF—one of India’s best-kept tax-saving secrets that turns your family income into a tax-efficient powerhouse!

Why Tax Planning Matters & How HUF is the Ultimate Wealth & Tax Strategy

Tax planning isn’t just about saving money—it’s about structuring income smartly, legally minimizing tax liabilities, and ensuring long-term wealth creation. One of the most powerful yet underutilized tax-saving tools in India is the Hindu Undivided Family (HUF).

Why Pay More Taxes When You Can Use HUF?

  • In India, individuals often pay 30%+ in taxes on their income
  • Instead of paying excessive taxes as an individual, HUF allows you to legally split income, claim deductions, and optimize tax slabs

HUF Benefits

  • Tax Identity – HUF is taxed separately, reducing the individual’s tax burden
  • Income Splitting – Divert interest income, rental income, capital gains, or business profits to HUF to reduce taxable income in the individual’s name
  • Double the Deductions – Both individual and HUF can claim deductions under Section 80C, 10(10D), and others, maximizing tax savings

HUF Helps You Save Lakhs in Taxes (Case Study)

Sceanrio Without HUF With HUF
Salary Income (Taxable) ₹20,00,000 ₹20,00,000
Interest Income ₹10,00,000 ₹0 (Shifted to HUF)
HUF Income ₹0 ₹10,00,000
Total Taxable Income ₹30,00,000 ₹20,00,000 (Individual) + ₹10,00,000 (HUF)
Tax Payable (Old Regime) ₹4,99,200 ₹2,08,000 (Individual) + ₹0 (HUF) = ₹2,08,000
Total Tax Saved 💰 ₹0 ₹2,91,200 per year!

📌 Over 10 years, that’s ₹30+ lakh saved, just by using HUF efficiently!

Wealth Creation Through HUF: More Than Just Tax Savings

HUF isn’t just a tax-saving tool—it’s a long-term wealth-building structure

Invest via HUF & Grow Wealth Tax-Efficiently

  • Open an HUF Demat account to invest in stocks, mutual funds, and market-linked instruments
  • Any capital gains made belong to the HUF, reducing individual tax liability

Business Expansion & Multiple Income Sources

  • Business owners can restructure their revenue sources and profits through HUF to lower personal tax burdens
  • Interest income, rental income, consulting fees, or family business earnings can be structured under HUF

Smooth Succession Planning

  • HUF allows assets to be transferred to future generations with minimal tax impact
  • Unlike a will, HUF assets remain within the family without complications

The Time to Act is NOW!

A one-time investment of ₹50,000 for HUF setup can help you save ₹50+ lakh in taxes over a lifetime.

It’s 100% legal & backed by Indian tax laws—why not use it to maximize savings & secure your family’s financial future?

📢 Take the Smart Step – Set Up Your HUF Today!

🔹 Special Package: End-to-End HUF Setup & Tax Planning.
🔹 Early Bird Offer: Get a Free 30-Minute Consultation.

What is Hindu Undivided Family (HUF)

HUF is a separate legal entity for tax purposes, formed by a family with common ancestry, including a Karta (head) and coparceners. It has a separate PAN, bank account, and legal identity.

Why Set Up an HUF?

  • Legal way to split income and reduce tax burden.
  • Additional exemptions under the Income Tax Act.
  • Separate entity for business, property, and investment purposes.

HUF & IPO Applications

  • Additional Demat account = More IPO allotments.
  • Higher probability of share allotment.
  • Strategy for retail investors and HNIs.

Tax Benefits

  • Separate ₹12 lakh tax exemption limit or ₹4 lakh depending on income.
  • Deductions under Sec 80C, 80D, and other provisions.
  • Rental income, business income, and investments can be taxed separately.

Who Should Consider an HUF?

  • Salaried professionals with high tax liability.
  • Business owners looking to distribute income.
  • Investors participating in IPOs & financial markets.

HUF: Your Smartest Tax-Saving Investment!

25+ years

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families securing their future with us

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What Our Customers Say

Hassle-Free HUF Formation with Altius

Altius made the entire HUF formation process seamless. From documentation to registration, their team handled everything professionally. Now, I have a structured HUF that helps me save on taxes while planning my family’s financial future.

Rohan Mehta, Business Owner

★★★★★

Essential Tax-Saving Service for Families

I was unaware of how much tax I could legally save with HUF until I consulted Altius. Their experts guided me through income structuring, compliance, and investments, ensuring that my HUF works efficiently for tax planning and wealth management.

Amit Verma, Senior Executive

★★★★★

Trustworthy & Professional HUF Management

Managing an HUF sounded complicated at first, but Altius made it effortless. They not only set up my HUF but also maintain our books, handle paperwork, and ensure compliance, allowing me to focus on my business without worrying about tax complexities.

Sneha Agarwal, Investor and Consultant

★★★★★

Smart Financial Planning for the Future

Altius provided excellent support in setting up my HUF, and their continued assistance with ITR filing and tax assessments has been invaluable. Their collaboration with an expert CA firm ensures I stay compliant while maximizing tax benefits.

Vikas Khanna, IT Professional

★★★★★

Effortless & Cost-Effective HUF Setup

I wanted a long-term financial structure that would help in tax planning and succession planning. Altius not only set up my HUF but also advised me on how to invest through it for wealth creation. Their service is truly end-to-end and highly efficient.

Neha Malhotra, Entrepreneur

★★★★★

Our Offerings

Features STANDARD

₹20,000

 PREMIUM

₹45,000

 ELITE

₹55,000
Deed Drafting & Registration ✔ ✔ ✔
Karta Affidavit and Declaration ✔ ✔ ✔
PAN Application ✔ ✔ ✔
Regular Maintenance of Books & Accounts ✔ ✔
ITR Filing ✔
Tax Assessment ✔
Tax Compliance ✔
Get Started Get Started Get Started

FOR PRO MAX MEMBERS THE STANDARD BUNDLE IS FREE OF COST.

STANDARD

₹20,000

  • Deed Drafting & Registration
  • Karta Affidavit
  • Karta Declaration
  • PAN Application
GET STARTED

ELITE

₹45,000

  • All services in Standard
  • Regular Maintenance of Books & Accounts
  • Paperwork
  • Finalization of Books & Accounts of HUF & Karta
GET STARTED

PREMIUM

₹55,000

  • All services in Premium
  • ITR Filing
  • Tax Assessment
  • Tax Compliances
GET STARTED

F.A.Q

  • What is an HUF?

    HUF (Hindu Undivided Family) is a separate legal entity under Indian tax laws that allows families to pool their assets and income, reducing overall tax liability. It is recognized under the Income Tax Act and is commonly used for tax planning and wealth management.

  • Any Hindu, Sikh, Buddhist, or Jain family with at least two members (ancestral or married) can form an HUF. It consists of:

    • Karta (head of the family)
    • Coparceners (family members with a direct stake in HUF assets)
    • Members (spouses, children, etc.)

  • HUF is taxed separately from its members, allowing:

    • Income Splitting: Taxable income can be divided between the individual and HUF.
    • Additional Deductions: HUF enjoys separate deductions under Section 80C, 10(10D), etc.
    • Lower Tax Brackets: Income can be distributed, reducing overall tax liability.

  • An HUF can earn rental income, business profits, interest, capital gains, and investments in its own name. However, salaries from employment cannot be part of HUF income.

  • Yes! An HUF can open a Demat account to invest in stocks, mutual funds, and bonds. It can also buy, sell, and rent out property, making it a great wealth-building tool.

  • Creating an HUF is simple and involves:

    1. Drafting an HUF Deed (legal document)
    2. Applying for a PAN card for HUF
    3. Opening an HUF Bank Account & Demat Account
    4. Pooling ancestral/business assets under HUF
    At Altius, we handle everything for a hassle-free setup!

  • The eldest male or female coparcener automatically becomes the new Karta, and the HUF continues. It can also be dissolved by partitioning assets among members.

  • Yes. HUF can be dissolved voluntarily by partitioning assets among members. This must be legally documented to avoid tax complications.

  • Absolutely! HUF is 100% legal and is recognized under:

    • Hindu Law
    • Indian Income Tax Act, 1961
    • Various Supreme Court rulings

  • It’s easy with Altius! We take care of the entire process—formation, compliance, and tax planning—so you can start saving immediately.

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