@gmangesh , @BME , I agree with you that TT could have done a better job, warning/ advising that one or the other path may be advisable ( but I suppose because of being strict only a preparation / transmittal service provider there would be legal exposure ) it does not -- it leaves it up to the user of the product to try out different scenarios/ strategies to reduce tax liability.
I don't what to say on this .
If tour query has been satisfied , please consider accepting the answer ( so the thread would close) and/or upvote ( since we volunteers get satisfaction ONLY through these actions of the users ).
Bahut Sukryia ji
pk
