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Income Tax — New vs Old Regime

FY 2024-25 (AY 2025-26)

Gross Salary (₹/yr)

Other Income (₹/yr)

80C Investment (Old, max 1.5L)

80D Health Insurance (Old, max 25k)

HRA Exemption (Old)

Home Loan Interest (Old, max 2L)

New Regime

Better

₹1,30,000

Taxable income: ₹14,25,000

Tax (after 87A): ₹1,25,000

Surcharge: ₹0

Cess (4%): ₹5,000

Take-home: ₹13,70,000

Old Regime

₹2,02,800

Total deductions: ₹2,25,000

Taxable income: ₹12,75,000

Tax (after 87A): ₹1,95,000

Surcharge: ₹0

Cess (4%): ₹7,800

Take-home: ₹12,97,200

Choose New Regime

Save ₹72,800

Indicative for salaried individuals (non-senior). FY 2024-25 slabs. Marginal relief on surcharge thresholds not applied for simplicity. Confirm with your CA before filing.

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