Your HUF could be saving you ₹1,40,000 a year.

If money has moved into it from your account - any amount, at any point, however long ago - you are using it, even if it has just been sitting in a savings account since. That is the group the safety review is built for, because there is a history to read and something real to be exposed by.

If you got the deed and the PAN and nothing has ever moved, you are in the second group. There is no history to check, so the work starts with the tax-saving plan instead.

Because it is due regardless. An HUF or a trust files its own return every year it has income, including a year it owes nothing, since the exemption only applies once a return has actually been filed. Putting the first one inside the setup means nothing gets missed in the year the structure is newest.

From the second year we file it each July at the normal annual price unless you tell us not to. We send a documents reminder in April, and you can stop it at any point before we start work. If we part ways before your first return is due, the filing portion of what you paid is refunded.

Already have someone filing for you? Leave the return out.

Yes - one free 30-minute call per prospect, no exceptions and no obligation. If an HUF is not the right move for you, that is what we will tell you on it.

Where they start. The HUF Tax-Saving Plan assumes an HUF is the right answer for you and makes it work: what goes inside it, how to get it there, and a year of help doing that.

The Tax Optimisation Advisory starts a step earlier and assumes nothing. It looks at your whole position and works out which structures you should have at all - an HUF, a private family trust, a partnership, an LLP, a company, or several of them together - then runs a tax calendar with you across the year.

One-time. It is drafted as a perpetual, revolving facility with a stated maximum, so once it is executed you can move funds in and out as you need to without drafting anything again.

Ours are. None of the figures on this page moves once it has been quoted. What sits on top are statutory costs, which are not ours to charge or to waive - stamp paper at ₹100 to ₹500 depending on your state, notarisation at ₹100 to ₹500, the PAN application fee of ₹107, and whatever your bank charges. Under ₹1,200 in total, paid directly to whoever levies it.

The one thing we do not publish a number for is regularising money already moved in as a gift, because it turns entirely on how much moved and when. We scope that after the safety review.

50% to start the work and 50% on completion - for setup that means when the bank account opens, and for the agreement when it is delivered. We confirm the split before starting. The safety review is payable in full upfront, because it is the work.

The 50% advance is non-refundable. It is what commits our time to your file, and we begin the day it reaches us. The balance falls due only on delivery, so the most you can ever be out is the advance. The full terms are in our Cancellation and Refund Policy.

Nothing on this page requires one. A deed, a funding agreement and an income tax return can each be drafted and filed by anyone competent to do it - only a statutory audit needs a chartered accountant's signature, and we do not do audits.

Beyond that, we are advised by Lalit Kumar Jain, FCA, managing partner of Lalit Kumar Jain & Co. and thirty years into practice in Raipur. And we built this structure for our own family before we sold it to anyone.

No. FinWiseOwl is not a SEBI-registered investment adviser and nothing here is investment advice. What we do is documentation, filing and tax structuring - the deed, the agreement, the return, and what belongs inside the HUF. Which fund or stock to buy is outside what we offer.