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Compare income tax under old and new regimes
Yearly: ₹0
Old regime caps this at 10% of basic; new regime allows up to 14% (Budget 2024).
Defaults to 50% of basic; check your payslip for the actual amount.
HRA exemption = min(HRA received, 50% of basic, rent − 10% of basic)
Based on your inputs:
The Old Regime provides better tax savings with your current deductions.
The old tax regime is generally beneficial only when you have significant deductions and exemptions. Key factors that make old regime more advantageous:
Without significant deductions, the new tax regime often results in lower tax liability due to reduced tax rates and higher basic exemption limit.
| Annual CTC | Recommended Regime | Min. Deductions for Old Regime* | Key Considerations |
|---|---|---|---|
| ₹12L | New Regime | Not Applicable | Tax-free under new regime (with rebate) |
| ₹15L | New Regime | ₹4L+ | Old regime beneficial only with high HRA + 80C + 80D |
| ₹15L | New Regime | ₹4L+ | Need maximum 80C + high rent + additional deductions |
| ₹20L | Depends | ₹5L+ | Old regime if using home loan + max deductions |
| ₹25L | Depends | ₹6L+ | Consider employer NPS + all available deductions |
| ₹30L | Old Regime | ₹7L+ | Old regime better with standard deductions |
| ₹50L | Old Regime | ₹10L+ | Maximize all deductions + NPS |
| ₹75L | Old Regime | ₹15L+ | Use all available deductions + investments |
| ₹95L | Old Regime | ₹18L+ | Maximize all deductions + tax-saving investments |
* Minimum deductions required for old regime to be more beneficial than new regime. This includes standard deduction, Section 80C, HRA, NPS, and other available deductions combined.
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