Calculate tax under the old regime with all deductions — 80C, HRA, home loan interest, 80D and more. See your exact tax liability with old slabs.
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FY 2025-26. Claim all of these and you could reduce taxable income by ₹5–7L depending on situation.
| Section | What It Covers | Max Deduction |
|---|---|---|
| Standard Deduction | Automatic — no proof needed | ₹50,000 |
| 80C | PPF, ELSS, EPF, LIC, NSC, home loan principal | ₹1,50,000 |
| 80CCD(1B) | NPS contribution (over and above 80C) | ₹50,000 |
| 80D | Health insurance — self/family | ₹25,000–₹50,000 |
| 80D | Health insurance — parents (senior) | + ₹50,000 |
| HRA | Rent paid (metro 50%, non-metro 40%) | Varies |
| Section 24(b) | Home loan interest | ₹2,00,000 |
| 80E | Education loan interest | Unlimited |
The new regime beats old for most people below ₹15L. But old regime wins if you have a large deduction stack:
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₹0–2.5L (0%), ₹2.5–5L (5%), ₹5–10L (20%), above ₹10L (30%). Standard deduction of ₹50,000 applies. Plus 4% cess on total tax.
Key deductions: Section 80C (up to ₹1.5L — PF, PPF, ELSS, LIC), 80D (health insurance ₹25K), HRA exemption, home loan interest (up to ₹2L), standard deduction (₹50K), LTA, NPS employer contribution.
Yes, if taxable income = ₹5 lakh under old regime, you get a full rebate u/s 87A (up to ₹12,500), making tax zero.
High earners with substantial deductions — particularly those paying home loan interest, investing full ₹1.5L in 80C, claiming HRA, and health insurance premiums. Generally beneficial above ₹8L income with maximum deductions.
Common deductions combined: 80C (Rs 1.5L) + 80D health insurance (Rs 25,000-50,000) + 80CCD(1B) NPS (Rs 50,000) + HRA exemption (varies) + home loan interest Section 24 (Rs 2L) + standard deduction (Rs 50,000) = total deductions can reach Rs 4.5-6L+ depending on your situation. This is why the old regime benefits taxpayers with large deduction portfolios.
Yes - the old regime is still available for FY 2025-26. It is now the non-default option with new regime as default. To use the old regime, salaried employees must declare it to their employer for TDS purposes. Individuals with large deductions (HRA + 80C + home loan) at Rs 20L+ income may still benefit significantly from the old regime.
Yes - in the OLD regime, you can claim both if you live in a rented house in a different city from where your owned property is located. Example: you own a flat in Delhi (rented out) and live on rent in Mumbai for work. You can claim HRA exemption on Mumbai rent AND home loan interest deduction on the Delhi flat under Section 24. Both deductions apply simultaneously.
Section 80E deduction for education loan interest is available ONLY under the OLD tax regime. Under the new regime this deduction is not available. If you have a significant education loan and are paying Rs 30,000-50,000/year in interest, the 80E deduction alone saves Rs 9,000-15,000/year in tax at the 30% slab - a factor to consider when choosing between regimes.
A practical, numbers-first guide to saving income tax in FY 2025-26 under both old and new regimes. Covers 80C, HRA, NPS, home loan, and the best deductions for salaried individuals.
A complete guide to HRA exemption under the old tax regime — the 3-leg formula, metro vs non-metro classification, rent to parents, landlord PAN requirements, and 3 worked examples at different income levels.
Compare tax liability side-by-side under old and new income tax regimes. Find which regime saves you more money.
Calculate income tax under the new regime for FY 2025-26 with updated slabs, 87A rebate, surcharge and cess.
Calculate your HRA exemption under section 10(13A) based on actual HRA received, basic salary and rent paid.