If you fear income tax, rest assured, the Prime Minister is well aware of your concerns. A few months ago, PM Narendra Modi asked tax officials to remove fear of harassment from the minds of taxpayers and focus on five pillars of administration—revenue, accountability, probity, information and digitisation (RAPID). Taxpayers should be proud that their contributions go into nation building, yet, most treat tax savings as a chore. The last quarter JFM (Jan-Feb-Mar) syndrome is used smartly by financial services companies that have products in which you can save and invest to claim tax deductions.