Certificate in Investment and Tax Planning

Description

Course Name: Certificate in Investment and Tax Planning
Course Id: CITP/Q0001

Eligibility: 10+2 Grade(Higher Secondary) or Equivalent.

Objective: The Certificate in Investment and Tax Planning is a professional course designed to equip individuals with the knowledge and skills required to plan and manage investments efficiently while minimizing tax liabilities. This course is ideal for people who want to gain expertise in managing personal and corporate finances through strategic investments and tax planning strategies.

Duration: Two Month.

 How to Enroll and Get Certified in Your Chosen Course:

 Step 1: Choose the course you wish to get certified in.

 Step 2: Click on the “Enroll Now” button.

 Step 3: Proceed with the enrollment process.

 Step 4: Enter your billing details and continue to course fee payment.

 Step 5: You will be redirected to the payment gateway. Pay the course and exam fee using one of the following methods:
Debit/Credit Card, Wallet, Paytm, Net Banking, UPI, or Google Pay.

 Step 6: After successful payment, you will receive your study material login ID and password via email within 48 hours of fee payment.

 Step 7: Once you complete the course, take the online examination.

 Step 8: Upon passing the examination, you will receive:
• A soft copy (scanned) of your certificate via email within 7 days of examination.
• A hard copy (original with official seal and signature) sent to your address within 45 day of declaration of result.

 Step 9: After certification, you will be offered job opportunities aligned with your area of interest.

Online Examination Detail:

Duration- 60 minutes.
No. of Questions- 30. (Multiple Choice Questions).
Maximum Marks- 100, Passing Marks- 40%.
There is no negative marking in this module.

Marking System:
S.No.	No. of Questions			Marks Each Question		Total Marks
1	10			5		50
2	5			4		20
3	5			3		15
4	5			2		10
5	5			1		5
	30					100
How Students will be Graded:
S.No.		Marks	Grade
1		91-100	O (Outstanding)
2		81-90	A+ (Excellent)
3		71-80	A (Very Good)
4		61-70	B (Good)
5		51-60	C (Average)
6		40-50	P (Pass)
7		0-40	F (Fail)

 Key Benefits of Certification- Earning a professional certification not only validates your skills but also enhances your employability. Here are the major benefits you gain:

 Practical, Job-Ready Skills – Our certifications are designed to equip you with real-world, hands-on skills that match current industry demands — helping you become employment-ready from day one.

 Lifetime Validity – Your certification is valid for a lifetime — no renewals or expirations. It serves as a permanent proof of your skills and training.

 Lifetime Certificate Verification – Employers and institutions can verify your certification anytime through a secure and reliable verification system — adding credibility to your qualifications.

 Industry-Aligned Certification –All certifications are developed in consultation with industry experts to ensure that what you learn is current, relevant, and aligned with market needs.

 Preferred by Employers – Candidates from ISO-certified institutes are often prioritized by recruiters due to their exposure to standardized, high-quality training.

 Free Job Assistance Based on Your Career Interests – Receive personalized job assistance and career guidance in your preferred domain, helping you land the right role faster.

Syllabus:

Introduction to Investment and Tax Planning: Concept of Investment and Tax Planning, Importance of Financial Planning, Relationship Between Risk and Return, Types of Investment Avenues, Role of Tax Planning in Wealth Creation, Overview of Direct and Indirect Taxes, Tax Planning vs. Tax Avoidance vs. Tax Evasion, Basics of Personal Finance Management, Impact of Inflation on Investments, Recent Trends in Investment and Taxation.

Basics of Income Tax and Taxation Structure: Overview of Income Tax Act, Tax Slabs and Rates for Individuals and Businesses, Residential Status and Its Tax Implications, Classification of Income (Taxable, Exempted, Agricultural), Taxable Income Calculation Process, Introduction to PAN and TAN, Concept of TDS (Tax Deducted at Source) and TCS, Advance Tax and Self-Assessment Tax, Income Tax Return (ITR) Forms and Their Applicability, Role of CBDT and IT Department in Taxation.

Investment Options for Tax Savings: Tax-Saving Fixed Deposits and Their Benefits, Public Provident Fund (PPF) and Its Tax Implications, Employee Provident Fund (EPF) and Voluntary Provident Fund (VPF), National Pension System (NPS) and Its Tax Advantages, Equity-Linked Savings Scheme (ELSS) and Mutual Funds, Unit Linked Insurance Plans (ULIPs) and Their Tax Benefits, Life Insurance Policies and Section 80C Deductions, Sukanya Samriddhi Yojana (SSY) and Its Taxation, Tax-Free Bonds and Government Schemes, Comparison of Different Tax-Saving Instruments.

Tax Planning for Salaried Individuals: Understanding Salary Components and Their Tax Treatment, Exemptions on House Rent Allowance (HRA), Tax Benefits on Leave Travel Allowance (LTA), Standard Deduction and Professional Tax, Tax Treatment of Bonus, Allowances, and Perquisites, Provident Fund Contributions and Their Tax Implications, Medical and Health Insurance Tax Deductions (80D), Education Loan Interest Deduction (80E), Tax Benefits on Home Loan (80C, 80EEA), Best Tax Planning Strategies for Salaried Employees.

Capital Gains Tax and Investment Planning: Concept of Capital Assets and Capital Gains, Short-Term vs. Long-Term Capital Gains, Taxation of Stocks, Mutual Funds, and Real Estate, Exemptions Under Section 54, 54EC, 54F, Calculation of Indexed Cost of Acquisition, Impact of Securities Transaction Tax (STT) on Investments, Taxation on Dividends and Buybacks, Capital Gains Taxation for NRIs, Set-Off and Carry Forward of Capital Losses, Case Studies on Capital Gains Tax Planning.

Business and Professional Tax Planning: Tax Planning for Small Businesses and Self-Employed, Presumptive Taxation Scheme (44AD, 44ADA, 44AE), Allowable Business Deductions and Expenses, Depreciation and Tax Benefits for Business Assets, GST and Its Impact on Business Taxation, Advance Tax for Business Owners and Freelancers, Income Tax for LLPs and Partnership Firms, Tax Audit Requirements Under Income Tax Act, Set-Off and Carry Forward of Business Losses, Legal Compliance for Business Taxation.

After successful completion of the Certificate in Investment and Tax Planning program, graduates are equipped with practical knowledge of financial planning, tax laws, investment strategies, and regulatory frameworks. This opens up a wide range of job roles in finance, taxation, investment advisory, and entrepreneurship.

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✅ Career Options After Certificate in Investment and Tax Planning

1. Tax Consultant / Tax Advisor

• Role: Help individuals and businesses plan and file taxes, reduce tax liability, and comply with Indian tax laws (like Income Tax Act, GST).

• Clients: Salaried professionals, SMEs, freelancers, corporates.

• Salary Range: ₹2.5 – ₹6 Lakh per annum

• Freelance/Own practice income: ₹5 – ₹12+ Lakh per annum (based on clients)

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2. Investment Advisor / Financial Planner

• Role: Guide clients in selecting suitable investments (mutual funds, fixed income, equity, SIPs), retirement planning, goal-based investing.

• Regulation: Must register with SEBI as an RIA (Registered Investment Adviser) for large-scale advisory.

• Salary Range: ₹3 – ₹7 Lakh per annum

• Freelance/Commission-based earnings: ₹4 – ₹15+ Lakh per annum

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3. Mutual Fund Distributor

• Role: Recommend mutual funds and assist in investment execution. Can work independently or with a brokerage.

• Requirement: Must be AMFI certified.

• Commission-Based Income: ₹2 – ₹10 Lakh per annum (depends on AUM – Assets Under Management)

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4. Insurance and Tax Planner

• Role: Assist clients in purchasing suitable insurance products and align them with tax-saving goals under Sections like 80C, 80D.

• Income Type: Fixed salary + commission (if working with a company)

• Salary Range: ₹2 – ₹5 Lakh per annum

• Commission Income (LIC, private insurers): ₹3 – ₹10+ Lakh annually

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5. Accountant / Tax Executive

• Role: Maintain books of accounts, prepare ITRs, manage GST returns and TDS filings.

• Industries: SMEs, startups, CA firms, manufacturing units.

• Salary Range: ₹2 – ₹4.5 Lakh per annum (Entry to mid-level)

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6. Freelance Income Tax Return (ITR) Filing Consultant

• Role: File ITRs for salaried individuals, professionals, and small businesses.

• Tools: Income tax portal, Tally, Cleartax, etc.

• Earnings (freelance): ₹50 to ₹2,000 per ITR – Total ₹2 – ₹6 LPA (seasonal + year-round income)

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7. Finance Content Creator / Trainer

• Role: Create content or offer courses on tax planning and investment literacy.

• Platforms: YouTube, Instagram, Udemy, Unacademy.

• Income: ₹3 – ₹15+ Lakh per annum (ads, sponsorships, course sales)

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📊 Job Roles & Salary Overview

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🧠 In-Demand Skills

• Understanding of Indian taxation laws (Income Tax, GST)

• Investment knowledge (equity, mutual funds, PPF, NPS, ELSS)

• Financial planning principles

• MS Excel, Tally, or financial software

• Communication & client advisory skills

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🏢 Top Employers in India

• Tax advisory firms (ClearTax, TaxBuddy, IndiaFilings)

• Financial advisory firms (HDFC Securities, Zerodha, Groww)

• Banks and NBFCs

• Insurance & mutual fund companies (LIC, HDFC Life, ICICI Prudential, SBI MF)

• Startups & SMEs needing financial compliance

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📈 Career Growth & Scope

• Rising financial awareness in India is driving demand for independent tax and investment advisors

• Regulatory changes and digital tax filing systems offer new opportunities

• Freelancing & consulting offer high income flexibility

• Potential to become Certified Financial Planner (CFP) or SEBI-Registered Investment Adviser (RIA) with further qualifications