The Two Regimes
New: Lower rates + ₹75K standard deduction, almost no other deductions.
Old: Higher rates but allows 80C, 80D, NPS, HRA, home loan deductions.
Rule of Thumb
Total deductions above ₹3.75 lakh? Old regime likely better. Below that? New regime wins.
Use our Tax Calculator to compare with your numbers.
Tax laws change. Verify current rules. Not tax advice.