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FINSIRI Global Associates LLP
with a vision to provide assured quality services consistently with a value of professional commitments, Quality, Trust and Integrity.
Virtual CFO Services - FINSIRI
Trusted Finance & Compliance Partners
FINSIRI Global Associates LLP is a team of seasoned finance professionals committed to delivering quality-driven, reliable, and strategic financial solutions. With deep expertise in Virtual CFO Services, Accounting, Payroll, GST, Income Tax, RBI Compliances, and Financial Restructuring, we help businesses stay compliant, agile, and growth-ready.
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Transforming Finance with Artificial Intelligence
FinSiri Global Associates is your trusted partner for Virtual CFO, Business Compliance, Taxation, and Corporate Governance solutions. With expertise in finance and regulatory frameworks, we combine human intelligence with cutting-edge AI tools to deliver accurate, timely, and cost-effective strategies. Our AI-driven approach simplifies compliance, enhances decision-making, and ensures sustainable business growth for startups, SMEs, and enterprises.
About Us
Compliance. Clarity. Confidence.
FINSIRI Global Associates LLP is a premier name in financial advisory, compliance management, and strategic business consulting, offering integrated, cutting-edge solutions to address the diverse regulatory, tax, and financial needs of businesses across all sectors.
Our Mission:
To deliver comprehensive, reliable, and client-centric financial, legal, and compliance solutions that empower businesses throughout every phase of their growth journey.
Our Services
FINSIRI services are designed to simplify finance, compliance, and business growth. We offer expert-led Virtual CFO Solutions, covering accounting, taxation, payroll, GST, ROC filings, and strategic advisory. Whether you’re a startup, SME, or global entity, we ensure cost-effective and compliant financial management tailored to your business goals.
- Business Setup
- Accounting
- Virtual VFO Services
- Direct & Indirect Taxes
Why Select FINSIRI ?
Our team consists of seasoned finance professionals with extensive experience in taxation, payroll, compliance, and Virtual CFO services. We bring strategic insight and technical precision to every engagement.
From GST and Income Tax to ROC, PF, and ESI, we ensure your business stays 100% compliant with evolving legal and regulatory frameworks—helping you avoid penalties and stay ahead.
We don’t believe in one-size-fits-all. FINSIRI provides customized financial planning, reporting, and advisory services that align with your unique business model and growth vision.
Our foundation is built on transparency, ethical practices, and client-first values. When you work with FINSIRI, you’re choosing a partner you can rely on for honest advice and long-term support.
FINSIRI - INSIGHTS
October 8, 2025The New Income Tax Act 2025 has brought significant changes to Tax Deducted at Source (TDS) on salary. Here’s what you need to know:
Key Highlights:
(a) Increased Exemption Limit: The basic exemption limit for TDS on salary has been increased to ₹4 lakhs under the new tax regime.(b) Average Rate of Tax: Employers will deduct TDS at the average rate of income tax applicable to an employee’s total income, including perquisites.(c) Standard Deduction: The standard deduction has been raised to ₹75,000, reducing taxable income and tax deduction .
TDS Rates for Salary Income:
Up to ₹4 lakhs: No TDS
₹4 lakhs to ₹8 lakhs: 5% tax
₹8 lakhs to ₹12 lakhs: 10% tax
₹12 lakhs to ₹16 lakhs: 15% tax
₹16 lakhs to ₹20 lakhs: 20% tax
Above ₹24 lakhs: 30% tax
Calculating TDS on Salary:
To calculate TDS, employers will:1. Estimate the employee’s total income for the financial year.2. Deduct standard deductions and exemptions.3. Calculate the average rate of tax based on the employee’s total income.4. Deduct TDS monthly based on the average rate .
Example:
For an employee with an estimated salary of ₹9,50,000 and no other income, the TDS would be calculated as follows :– Total Income: ₹9,50,000– Tax Payable: ₹65,000– TDS deducted on other sources: ₹8,000– Net Tax payable: ₹57,000– Average Rate of TDS: 6%
Changes in TDS Thresholds:
The government has revised TDS exemption limits for various income sources, including:– Interest Income: ₹1,00,000 for senior citizens and ₹50,000 for others– Dividend Income: ₹10,000– Commission and Brokerage: ₹20,000
Impact on Salaried Employees:
The new TDS rules on salary will benefit middle-income earners with increased exemptions and reduced tax liabilities. However, employees must ensure accurate TDS deduction and compliance to avoid any penalties .
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September 30, 2025Every salaried employee in India looks forward to maximizing take-home income while staying fully compliant with tax laws. The good news is that the Indian Income Tax Act provides several provisions that allow you to save tax legally. With smart planning, you can claim deductions, exemptions, and benefits without falling into last-minute panic during the financial year.
In this blog, we’ll cover the most effective and legal tax-saving tips for salaried employees in India.
1. Make the Most of Section 80C
Section 80C is the most widely used tool for salaried professionals to reduce taxable income. The maximum deduction allowed is ₹1.5 lakh per year. Eligible options include:
Employee Provident Fund (EPF)
Employee Provident Fund (EPF)
Public Provident Fund (PPF)
Life Insurance Premiums
National Savings Certificate (NSC)
Principal Repayment of Home Loan
Tuition Fees for Children
Smart Tip: ELSS offers dual benefits—tax savings and higher growth potential through equity markets
2. Claim Deductions Under Section 80D (Health Insurance)
Medical emergencies can drain savings, but health insurance helps you stay financially secure while offering tax benefits.
Deduction of ₹25,000 for premiums paid for self, spouse, and children.
Additional ₹50,000 deduction if premiums are paid for senior citizen parents.
Preventive health check-ups up to ₹5,000 are also included.
3. Utilize House Rent Allowance (HRA)
If you live in rented accommodation, you can claim exemption on House Rent Allowance (HRA). The exemption amount depends on:
Actual HRA received from employer.
Rent paid minus 10% of basic salary.
50% of basic salary (for metro cities) or 40% (for non-metro cities)
Smart Tip: Always keep rent receipts and landlord PAN (if rent exceeds ₹1 lakh annually).
4. Take Advantage of Leave Travel Allowance (LTA)
Salaried employees can claim tax exemption on travel expenses incurred within India under Leave Travel Allowance (LTA). This covers air, train, or bus fares for family trips.
Smart Tip: LTA exemption is available for two journeys in a block of four years. Save your travel tickets as proof.
5. Contribute to the National Pension System (NPS)
Retirement planning is not only wise but also tax-efficient. Contributions to NPS allow you to claim:
An additional deduction of ₹50,000 under Section 80CCD(1B) (over and above 80C).
Employer contributions up to 10% of salary are also deductible under Section 80CCD(2).
6. Claim Home Loan Benefits
If you have taken a home loan, you can claim:
Principal repayment under Section 80C (up to ₹1.5 lakh).
Interest deduction under Section 24(b) (up to ₹2 lakh per year).
Smart Tip: For first-time homebuyers, Section 80EEA offers an additional deduction on interest.
7. Explore Other Deductions
Section 80E – Deduction for education loan interest.
Section 80G – Donations to approved charitable institutions.
Standard Deduction – A flat deduction of ₹50,000 available to all salaried employees.
Tax planning is not about avoiding taxes—it’s about using legal provisions wisely to reduce liability and increase savings. For salaried employees, combining deductions under Section 80C, 80D, HRA, LTA, NPS, and home loan benefits ensures maximum savings while staying compliant.
The key is to plan investments and expenses at the start of the financial year rather than rushing at the end. By following these tips, you can legally save tax in India while building long-term financial security.
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September 30, 2025In India’s fast-growing economy, many businesses proudly report profits on their balance sheets yet still struggle to stay afloat. At first glance, profitability should mean financial health. However, the reality is that profit does not always translate into positive cash flow. In fact, a large number of profitable Indian companies face liquidity challenges, delayed payments, and even bankruptcy because they fail to manage their cash effectively.
This raises an important question: Why do profitable businesses still run into financial trouble? The answer lies in the crucial difference between cash flow and profit.
Understanding the Basics: Profit vs Cash Flow
Profit
Profit is the excess of income over expenses during a specific period. It is an accounting measure, calculated as:
Profit = Revenue – Expenses
It shows whether a company’s operations are financially viable.
Cash Flow
Cash flow represents the actual movement of money in and out of the business. Positive cash flow means a business has sufficient liquid funds to pay salaries, vendors, taxes, and reinvest in growth.
Key Difference: Profit is about paper earnings, while cash flow reflects real liquidity.
Why Many Profitable Indian Businesses Struggle with Cash Flow
1. Delayed Payments from CustomersIndian businesses, especially MSMEs, often face long credit cycles. Profits may be recorded on sales invoices, but if customers delay payments, cash flow suffers.
2. High Inventory LevelsCompanies often tie up too much money in unsold stock. While sales may look strong on paper, cash remains locked in inventory.
3. Mismatch in Payment CyclesBusinesses may receive payments months after sales, but they must pay suppliers, employees, and lenders on time. This mismatch creates liquidity crunches.
4. Over-reliance on CreditMany firms rely heavily on borrowed funds. Interest obligations eat into cash, even if the company is technically profitable.
5. Poor Cash Flow ManagementLack of financial planning, weak budgeting, and failure to track inflows and outflows often push businesses into cash shortages.
Case in Point: The Indian MSME Sector
India’s MSMEs contribute nearly 30% to GDP and employ millions, yet many shut down despite being profitable on paper. Why? Because extended credit cycles, low bargaining power, and poor financial discipline choke their working capital.
This highlights the urgent need for businesses to focus not just on profitability but also on cash flow management.
Strategies to Balance Profit and Cash Flow
1. Strengthen Credit Control
Implement stricter payment terms.Use incentives for early payments and penalties for delays.
2. Improve Inventory Management
Adopt just-in-time (JIT) techniques.Monitor stock turnover ratios closely.
3. Monitor Cash Flow Regularly
Prepare monthly cash flow statements.Forecast inflows and outflows to avoid shortfalls.
4. Diversify Funding Sources
Use invoice discounting and factoring for faster cash realization.Maintain healthy relationships with multiple banks.
5. Focus on Operational Efficiency
Reduce unnecessary expenses.Automate processes to save both time and money.
Profit alone cannot guarantee business survival. Cash is the real fuel of business operations, and without steady cash flow, even the most profitable companies can collapse.
For Indian businesses especially SMEs and startups the lesson is clear: focus not only on revenue and profit but also on maintaining liquidity. Strong cash flow management ensures timely payments, business continuity, and the ability to seize growth opportunities.
As the saying goes, “Profit is vanity, cash flow is sanity.”
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