Start the year strong to avoid last-minute tax stress.

Choose Tax Regime (Old vs New) and inform employer

Start VPF (Voluntary Provident Fund) if needed

Set up monthly SIPs for 80C (ELSS) to avoid March rush

Review Form 26AS for previous year credits

New Financial Year Setup (April)

Just started earning? Do these before spending.

Build an Emergency Fund (3 months expenses)

Understand your Salary Slip (HRA, DA, PF)

Avoid "Lifestyle Inflation" - live like a student for 1 more year

First Salary Checklist

Last call to save tax before the financial year ends.

Maximize 80C (PPF, ELSS, LIC) - Limit ₹1.5L

Purchase/Renew Health Insurance (80D) - Up to ₹25k/₹50k

File "Loss Return" if you had stock market losses

Verify AIS (Annual Information Statement) for any discrepancies

Are you actually covered or just paying premiums?

Check Claim Settlement Ratio (CSR) of your insurer

Ensure "Room Rent Capping" is adequate or removed

Verify if "Critical Illness" cover is needed

Review Sum Assured vs Current Lifestyle costs