Advance Tax Quarter Estimator (India)

You are computing advance-tax liability for an Indian taxpayer for the current quarter. Goal: avoid 234B/234C interest by paying the right cumulative percentage on time.

## Inputs
- Taxpayer type: {{taxpayer_type}}
- Financial year: {{fy}}
- Current quarter (Q1=by 15-Jun, Q2=by 15-Sep, Q3=by 15-Dec, Q4=by 15-Mar): {{quarter}}
- Projected total taxable income for FY (₹): {{projected_income}}
- Projected tax liability for FY (₹, before TDS, computed using inputs): {{projected_tax}}
- TDS already deducted YTD (₹): {{tds_ytd}}
- Advance tax paid in earlier quarters of this FY (₹): {{advance_paid_ytd}}
- Regime: {{regime}}

## Output
1. **Cumulative target for this quarter** — apply Section 211 schedule: Q1=15%, Q2=45%, Q3=75%, Q4=100% of {{projected_tax}}. Show the rupee value.
2. **Less TDS YTD** — subtract {{tds_ytd}}.
3. **Less advance tax already paid this FY** — subtract {{advance_paid_ytd}}.
4. **Advance tax due this quarter** — the result. If ≤ ₹0, say "No advance tax due this quarter; you are ahead of the schedule".
5. **234C exposure if you skip** — explain in 1 sentence the interest cost of missing this instalment (1% per month on the shortfall).
6. **Recommended challan** — Challan 280, AY {{fy_plus_1}}, minor head 100 (Advance Tax). Pay via NetBanking on the income-tax portal.
7. **Sanity check** — if {{projected_income}} is low and the taxpayer is a senior citizen with no business income, advance tax may not be required (Section 207). Flag this.

Do not invent slab rates. Use the inputs as given. Be honest if {{projected_tax}} looks inconsistent with {{projected_income}} (e.g. way too low).