Flying allowance, hazard-pay taxation, AFGIS, and post-30yr commutation — a hub for IAF officers and airmen.
Section 10(14) carve-outs for hazardous duties + the per-flight-hour partial exemption are routinely under-claimed. We work with AF-CA partners who know the relevant CBDT circulars.
AFGIS base cover + the high-cover SAGAR / SHANTI add-ons stack differently for fighter pilots vs ground crew. We map your role + family needs to the cheapest right cover.
At retirement you can commute up to 50% of pension for a lump sum. The maths is non-trivial — depends on rank-band life expectancy, post-retirement income, and your inflation assumption. We model it both ways and let you decide.
Indicative figures. Actual offer depends on your profile. Praarabdh is a Data Fiduciary under the DPDP Act, 2023.
Depends on your alternative-investment expected return + your inflation assumption. If you can earn ≥10% on the lump sum AND need the money for a specific purpose (home, business), commutation often wins. If you don't, the lifetime indexed pension is hard to beat.
It's added to gross salary, but Section 10(14) read with Rule 2BB allows a specified portion (currently ₹13,400/month max) to be exempted, plus the partial exemption for hazardous duties under specific CBDT notifications.
Yes — and you should. AFGIS gives ₹50-75 L. The standard recommendation for a 35-year-old with kids is 10-15× annual income, which usually means ₹1.5-2.5 Cr private term cover ON TOP of AFGIS.
For active duty + 60 days post — yes. For lifetime cover after retirement, AFGIS + ECHS together are usually enough for non-critical care. For critical illness, add a private super-top-up of ₹50 L+.
One short form. We compare the panel for your profile. A real Praarabdh advisor calls within 48 hours.
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