Banking & public sector
Statutory central, branch and concurrent audits for public-sector banks and undertakings.
- UCO Bank, Union Bank of India
- STC of India, NTPC Green Energy
- NHAI empanelment
Chartered Accountants in Jaipur · Since 1987
Clarity in Finance. Confidence in Every Decision.
Delivering strategic financial, taxation, audit and advisory solutions with integrity, expertise and a commitment to excellence — from our Jaipur practice and offices across four regions.
Audit appointments & empanelments
UCO BankStatutory central auditors, FY 2023-24Union Bank of IndiaStatutory central auditors, FY 2020-21 & 2022-23STC of IndiaStatutory auditors, FY 2025-26NTPC Green EnergyIndependent chartered accountantsNHAIEmpanelled
About the firm
Beyond numbers. Building financial confidence.
More about the firm1987Founded in New Delhi by CA Pradeep K. Gupta. Registered with the ICAI as FRN 005223C.
PVAR & Associates is a multi-office firm of chartered accountants. Our Jaipur practice, led by CA Amit Kumar Jain, serves families and businesses across Rajasthan, alongside our head office in New Delhi and branches in South Delhi, Mayur Vihar, Ghaziabad and Golaghat (Assam).
From a single-partner practice, the firm has grown into a team that audits banks and public-sector undertakings, advises companies and helps families plan their taxes and investments — with one methodology across every office.
Vision
To be the chartered accountants families and businesses in Rajasthan and beyond rely on for clear, independent advice.
Mission
To make tax, audit and compliance simple to act on, through partner-led work, careful review and advice in plain language.
Philosophy
Numbers matter because of the decisions they support. We explain what the figures mean, and what to do next.
39Years in practice
7Offices
4Regions
6Partners
- Integrity & independence
- Partner-led work
- Plain language
- On time, every time
- Confidentiality
Practice areas
Every financial decision, under one roof.
Eight practice areas, one team. Choose an area to see what it covers.
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Statutory, tax, bank, concurrent, internal and forensic audits, each planned and signed off by a partner, with a clear management letter at the end.
Explore audit & assurance -
Income tax returns, regime planning, TDS, capital gains, scrutiny, notices and appeals, for individuals, firms and companies under the Income-tax Act, 2025.
Explore direct taxation -
Registration, monthly and annual returns, input credit reconciliation, e-invoicing, refunds and replies to notices for Rajasthan and multi-state businesses.
Explore GST & indirect tax -
Company and LLP incorporation, annual ROC filings, director KYC, share transfers, charges, restructuring and representation before the ROC and NCLT.
Explore corporate compliance -
Bookkeeping, payroll, reconciliations and monthly MIS reports that management can read, kept ready for the audit and for every return.
Explore accounting & MIS -
Budgets, cash-flow, bank funding, investor reporting and valuation from an experienced partner, without the cost of a full-time hire.
Explore Virtual CFO & advisory -
Foreign investment reporting, export-import compliance, NRI returns, lower-deduction certificates, treaty relief and repatriation paperwork.
Explore FEMA, international & NRI -
Mutual fund and portfolio reviews through Plenitude Connect, the investment platform founded by CA Amit Kumar Jain, so tax and investments are planned together.
Visit Plenitude Connect
How we work
Many moving parts. One clear answer.
Partner-led, every time
A partner plans, reviews and signs every engagement, so you deal with the person accountable for the advice.
Independent by design
We follow the ICAI Code of Ethics and the limits on the services an auditor may provide, so our audit opinions stay independent.
One method, seven offices
Jaipur, Delhi, Ghaziabad and Assam work from the same working papers and review standards.
Advice you can act on
Written, plain-language advice: what the figures mean, what to do next, and by when.
Technology built in-house
Snap IT reads bank statements and invoices into Tally; Plenitude Connect reviews portfolios. Both were built by the firm for its clients.
Industries
Who we work with.
From public-sector banks to Jaipur’s jewellers and families abroad — the sectors our partners work in every week.
Manufacturing & MSMEs
GST on job work and stock transfers, stock and concurrent audits, Udyam and MSME payment rules.
- GST & e-way bills
- Stock audits
- MSME compliance
Gems, jewellery & exports
GST on precious goods, job work, LUT and refunds, and export documentation for Jaipur’s trade.
- GST on jewellery
- Exports & LUT
- Refunds
Startups & new businesses
Choosing the right entity, registrations, state incentives, valuation and a part-time CFO as you grow.
- Entity choice
- Registrations
- Valuation & funding
Property & real estate
Capital gains when you sell, TDS when you buy, and reinvestment planning for houses, flats and plots.
- Capital gains
- TDS on purchase
- Reinvestment
Professionals & families
Returns, regime choice, notices and investment planning for salaried people, doctors, architects and families.
- ITR & regime choice
- Notices
- Investments
NRIs & families abroad
Indian returns from anywhere, lower-deduction certificates, treaty relief and moving money out properly.
- NRI returns
- Lower TDS certificates
- Repatriation
Swipe to see more →
Free tools
Check your tax in thirty seconds.
Compare the old and new regimes, find the right service, or leave your number and the Jaipur office will call you back within one working day.
Move the sliders to compare the old and new tax regimes for tax year 2026-27.
Annual income
Deductions you can claim (old regime only)
PPF, life insurance, home-loan interest, HRA, NPS, medical insurance and similar.
An estimate using the rates in our calculators (reviewed October 2026), including surcharge and cess. It is not advice; your actual tax depends on your full facts.
Two quick questions and we will point you to the right service and tool.
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Free Financial Tools
Free tax calculators
13 calculators updated for FY 2026-27: income tax (old vs new regime), GST, HRA, capital gains, TDS, advance tax, gratuity, EMI, SIP, retirement, NPV/IRR and more. Results update instantly as you type.
Income Tax: Old vs New Regime
Individuals • FY 2026-27 (Tax Year 2026-27) • incl. rebate, marginal relief, surcharge & 4% cess
Old Regime
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Taxable: ₹0
New Regime
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Taxable: ₹0
Recommended Regime
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New regime: nil up to ₹4L, then 5% steps to 30% above ₹24L; rebate makes tax nil up to ₹12L taxable (₹12.75L for salaried) with marginal relief. Old-regime deductions apply only if you opt out of the default new regime.
GST Calculator
Post GST 2.0 rates (effective 22 Sep 2025) • add or remove GST
Taxable Value
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Invoice Total
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HRA Exemption Calculator
Section 10(13A) • Old regime only
Exempt HRA
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Taxable HRA
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Monthly Exempt
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Exemption is the least of: actual HRA, rent paid minus 10% of salary, and 50% (metro) / 40% (non-metro) of salary. Rent above ₹1L a year needs the landlord’s PAN.
Capital Gains Tax
Rates for transfers on or after 23 July 2024
Estimated Tax (incl. cess)
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Capital Gain
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Net Gain After Tax
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TDS Calculator
Common sections • FY 2026-27 rates & thresholds
TDS to Deduct
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Net Payable to Payee
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From 1 April 2026 these provisions are consolidated in the Income-tax Act, 2025 (s.393); familiar 1961-Act section numbers are shown for reference. Higher TDS may apply to non-filers.
Advance Tax Planner
Instalments & interest u/s 234C • FY 2026-27
Net Advance Tax Payable
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Advance tax applies when net tax after TDS is ₹10,000 or more. Resident senior citizens without business income are exempt. Shortfalls attract 1% per month interest under s.234B / 234C.
Entity Tax Comparison
Tax on the same profit as a proprietorship, firm / LLP or company
Lowest-tax structure
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Taxable profit = turnover × margin. Ignores partner remuneration/interest deductions, dividend tax on profit extraction, MAT/AMT and state levies. Structure decisions need a full review — speak to a partner.
Gratuity Calculator
Payment of Gratuity Act, 1972
Gratuity Payable
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Tax-Exempt (up to ₹20L)
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Taxable Portion
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Covered employees: 15 days’ wages × years (part-year over 6 months counts as a full year) ÷ 26. Government employees are fully exempt. Minimum 5 years’ continuous service generally required.
Loan EMI Calculator
Home, business & vehicle loans
Monthly EMI
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Total Interest
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Total Payment
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SIP & Lumpsum Growth
Compounding projection
Estimated Future Value
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Amount Invested
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Estimated Gains
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Illustrative only; market-linked returns are not guaranteed. Mutual fund investments are subject to market risks.
Ready to start this SIP?Plenitude Connect, founded by CA Amit Kumar Jain · AMFI-registered MFD, ARN-130934
Retirement Corpus Planner
How much you need, and the SIP to get there
Corpus Needed at Retirement
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Years to Retirement
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Monthly SIP Needed
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Assumes expenses continue to age 85, growing with inflation after retirement.
Plan this retirement corpus with an expertPlenitude Connect, founded by CA Amit Kumar Jain · AMFI-registered MFD, ARN-130934
NPV, IRR & Payback
Capital budgeting for projects & capex
Net Present Value
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IRR
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Discounted Payback
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Startup Valuation (Indicative)
Revenue / EBITDA multiple method
Indicative Valuation Range
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Multiple Applied
₹0
EBITDA
₹0
Rule-of-thumb only. Valuations for FEMA / Income-tax Rule 11UA or fundraising need a registered valuer’s report.
*Estimates based on the Finance Act, 2025 rates carried into FY 2026-27 and general provisions only. They are not professional advice; actual liability depends on your facts. Last reviewed: October 2026.
Investments · from our founder
Plan your taxes with us. Grow your wealth with Plenitude Connect.
Plenitude Connect is the investment platform founded by CA Amit Kumar Jain. It is an AMFI-registered mutual fund distributor in Jaipur, so the person who plans your taxes can also help plan your investments.
- Mutual funds & SIPs
Data-backed fund selection. Start a SIP from ₹500 a month.
- Free portfolio review
Overlap, costs and how your mix fits your goals.
- Retirement & goal planning
Inflation-adjusted plans for retirement, education and every goal in between.
- NRI investing & share market
Investing from abroad, and share-market accounts.
Plenitude Connect is an AMFI-registered Mutual Fund Distributor (ARN-130934). Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance is not indicative of future results. Plenitude Connect acts only as a distributor and does not guarantee returns.
Leadership
The partners.
CA Amit Kumar Jain
FCA, B.Com (H), DISA, CPFA, NISM
Lead partner, Jaipur. Income tax, GST, audit and investments for families and businesses; founder of Plenitude Connect.
CA Sharad Bansal
FCA, DISA
Concurrent and statutory audit of banks, forensic and information-systems audit.
CA Pradeep K. Gupta
FCA, DISA
Founding partner (1987). Tax planning, appellate matters and advisory to public-sector undertakings.
CA Ruchi Agarwal
FCA, Ind AS Certified
Former regional head at ICICI Bank. Working capital, mortgage and banking compliance.
CA Om Prakash Prithani
FCA, DISA
Public-sector audit; member of the Institute since 1997.
CA Vaibhav Jain
FCA
Indian Accounting Standards, GST, company law and direct-tax litigation.
This month
Deadlines and tax updates.
Tax & CA Updates
Due Date
15 Dec 2026
Advance tax: 75% due by 15 December
The third instalment for FY 2026-27 is due. Any shortfall attracts interest at 1% a month under section 234C.
Income Tax
1 Apr 2026
The Income-tax Act, 2025 is now in force
From Tax Year 2026-27 the 1961 Act is replaced: “tax year” replaces previous / assessment year and sections are renumbered — most TDS now sits in section 393.
GST 2.0
22 Sep 2025
GST now has two main slabs: 5% and 18%
Most 12% items moved to 5% and most 28% items to 18%, with 40% for luxury and sin goods. Check your invoices, ITC and pricing.
Personal Tax
FY 2026-27
Zero tax up to ₹12 lakh in the new regime
Salaried taxpayers pay nil tax up to ₹12.75 lakh after the ₹75,000 standard deduction. The old regime can still win with big deductions.
ITR
FY 2025-26
Missed something in your ITR? You can still fix it
Belated returns for FY 2025-26 can be filed till 31 December 2026 and revised returns till 31 March 2027 — before a notice arrives.
MCA / ROC
31 Mar 2026
Director KYC is now once every three years
DIR-3 KYC has moved to a three-year cycle, due by 30 June. AOC-4 and MGT-7 for FY 2025-26 follow your AGM.
Insights
Knowledge you can use.
Selling property in Jaipur: the capital gains guide
How the gain on a house, flat or plot is worked out, the reinvestment options and what the buyer must deduct.
Read more →GST for gem, jewellery and handicraft businesses
Rates, job work, exports and credit issues for Jaipur’s jewellery and handicraft trade.
Read more →Starting a business in Rajasthan: the checklist
Entity choice, registrations, state incentives and the first-year compliance calendar.
Read more →Offices
Rooted in Jaipur. Present in four regions.
Main branch · Jaipur
Your chartered accountant in the Pink City.
CA Amit Kumar Jain leads the Jaipur practice at Tonk Phatak: income tax, GST, audit, company compliance, investments and shares, in English or Hindi.
5C, Near Bohra Ji Ka Bagh, Laxmi Mandir Cinema, Tonk Phatak, Jaipur
Head office
New Delhi
WZ-248, Plot No. 7, 2nd Floor, Inderpuri – 110012. Further offices at Gulmohar Park and Mayur Vihar.
CA in Delhi BranchGhaziabad
48, 1st Floor, Navyug Market, Ghaziabad – 201001.
CA in Ghaziabad BranchGolaghat, Assam
Sundari Complex, G F Road, Benganakhowa, Golaghat – 785621.
CA in AssamFAQ
Common tax questions.
Short answers to what clients ask us most. For anything specific to you, talk to us.
What changed with the Income-tax Act, 2025?
The Income-tax Act, 2025 replaced the Income-tax Act, 1961 from 1 April 2026. It uses a single “tax year” in place of “previous year” and “assessment year”, and renumbers and consolidates many provisions — for example, most TDS provisions now sit in one section (s.393). Slab rates for FY 2026-27 were carried forward unchanged. Returns for FY 2025-26 and earlier years continue under the 1961 Act.
Old or new tax regime: which is better for FY 2026-27?
The new regime is the default. It makes income up to ₹12 lakh tax-free (₹12.75 lakh for salaried taxpayers after the ₹75,000 standard deduction) and has lower slab rates, but disallows most deductions. The old regime can still win if you claim large deductions — typically HRA, 80C, 80D, NPS and home-loan interest together. Use our income tax calculator to compare both with your own numbers.
What are the GST rates now?
Since 22 September 2025 (“GST 2.0”), most goods and services fall in two slabs: 5% (merit rate) and 18% (standard rate), with a 40% rate for luxury and sin goods. Special rates continue for items such as gold and silver (3%). Most items formerly at 12% moved to 5%, and most at 28% moved to 18%. Try the GST calculator.
When is GST registration compulsory?
Generally when aggregate turnover crosses ₹40 lakh for suppliers of goods or ₹20 lakh for service providers, with lower limits in some north-eastern and hill states. Registration is compulsory regardless of turnover for inter-state supply of goods, e-commerce sellers and operators, casual taxable persons and those liable under reverse charge.
Who needs a tax audit under section 44AB?
Businesses with turnover above ₹1 crore (raised to ₹10 crore where cash receipts and payments are each within 5% of the total), and professionals with gross receipts above ₹50 lakh. Taxpayers who opt out of presumptive taxation under s.44AD / 44ADA and declare lower profits may also need an audit. Audited returns are generally due by 31 October.
What documents do I need to file my income tax return?
PAN and Aadhaar, Form 16 / 16A, your Annual Information Statement (AIS) and Form 26AS, bank statements and interest certificates, capital-gains statements from brokers and mutual funds, rent receipts and investment / insurance proofs (old regime), and books of account for business income.
Do you work with clients outside your office cities?
Yes. Our Jaipur team (Tonk Phatak and Amba Bari) works with clients across Rajasthan, and the firm has its head office in New Delhi with branches in South Delhi, Mayur Vihar, Ghaziabad and Golaghat (Assam). Clients elsewhere in India are served through secure online document exchange and video meetings.
How are your fees decided?
Fees depend on the scope and complexity of the engagement. The first consultation to understand your requirement is complimentary; we then share a written scope and fee proposal before any work begins.
Contact
Let’s make your next financial decision a confident one.
Speak directly with CA Amit Kumar Jain’s team at the Jaipur office about income tax, GST, audit, investments or a Virtual CFO. The first conversation is free.
Jaipur office5C, Near Bohra Ji Ka Bagh, Laxmi Mandir Cinema, Tonk Phatak, Jaipur
Phone+91 93522 44475 · +91 80056 49698
Other officesNew Delhi, Ghaziabad and Golaghat →
Book a consultation
We reply within one working day.