Std deduction (₹75k new / ₹50k old) applies only here
Reduces salary in Old Regime only
Old Regime only · max ₹2L
30% std deduction u/s 24(a) auto-applied
Flat 30% tax — both regimes
🏛️ Old Regime
🆕 New Regime
📋 New Regime — Tax Slab Breakdown
| Income Slab | Rate | Tax (₹) |
|---|
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🏛️ Old Regime — Who should choose?
- High deductions (80C, HRA, home loan)
- Paying large LIC / PPF / ELSS investments
- Renting in a metro city (high HRA)
- Home loan interest exceeds ₹1.5 lakh
- Total deductions > ₹3 lakh per year
🆕 New Regime — Who should choose?
- Lower deductions / minimal investments
- No home loan or HRA benefit
- Income under ₹7 lakh (zero tax with rebate)
- Want simpler compliance
- Income above ₹15 lakh with fewer deductions
📊 New Regime Slabs (AY 2026-27)
- Up to ₹4,00,000 — Nil
- ₹4L – ₹8L — 5%
- ₹8L – ₹12L — 10%
- ₹12L – ₹16L — 15%
- ₹16L – ₹20L — 20%
- ₹20L – ₹24L — 25%
- Above ₹24L — 30%
Rebate u/s 87A: Zero tax up to ₹12L income (salary up to ₹12.75L)
🏛️ Old Regime Slabs (Below 60)
- Up to ₹2,50,000 — Nil
- ₹2.5L – ₹5L — 5%
- ₹5L – ₹10L — 20%
- Above ₹10L — 30%
Rebate u/s 87A: Zero tax up to ₹5L taxable income