How to save tax by choosing correct tax regime?
Apr 26, 2025
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How Priya Saved ₹1.9 Lakh by Choosing the Right Tax Regime!(Salary: ₹15 lakh | AY 2025–26)
Without Planning – Old Regime:
Gross Salary: ₹15,00,000
Less Standard Deduction: ₹50,000
Net Taxable Income: ₹14,50,000
Tax Payable: ₹2,57,400
With Smart Planning – Old Regime: (Using Deductions & Exemptions)
80C investments (PF, PPF, ELSS): ₹1,50,000
80D health insurance: ₹50,000
Home loan interest (Section 24b): ₹2,00,000
HRA exemption (rent paid): ₹2,40,000
80CCD(1B) (NPS additional): ₹50,000
Total deductions: ₹7,40,000
Net Taxable Income = ₹7,60,000
Tax Payable: ₹67,080
New Regime (No Deductions Allowed Except Standard Deduction):
Gross Salary: ₹15,00,000
Less Standard Deduction: ₹50,000
Net Taxable Income: ₹14,50,000
Tax Payable: ₹1,45,600
Comparison:
Priya saved ₹78,520 by choosing the Old Regime with proper tax planning!
Key Takeaways:
If you can claim big deductions (80C, 80D, HRA, home loan etc.), Old Regime is better.
If you don't have many deductions, New Regime is simpler.
Plan your taxes early — don’t wait for March deadlines!
Choose Smart. Save Smart.
[Post End]
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