Apna CTC daalo, in-hand salary dekho ā dono regimes mein
| Income Slab | Rate |
|---|---|
| Up to ā¹4L | Nil |
| ā¹4L ā ā¹8L | 5% |
| ā¹8L ā ā¹12L | 10% |
| ā¹12L ā ā¹16L | 15% |
| ā¹16L ā ā¹20L | 20% |
| ā¹20L ā ā¹24L | 25% |
| Above ā¹24L | 30% |
| Income Slab | Rate |
|---|---|
| Up to ā¹2.5L | Nil |
| ā¹2.5L ā ā¹5L | 5% |
| ā¹5L ā ā¹10L | 20% |
| Above ā¹10L | 30% |
New Regime: Lower tax rates, but almost no deductions allowed (except ā¹75K standard deduction + employer NPS). Best if you don't have many investments or home loan.
Old Regime: Higher rates, but 80C (ā¹1.5L), 80D (ā¹25-50K), HRA exemption, home loan interest (ā¹2L), NPS (ā¹50K extra) ā sab claim kar sakte ho. Best if you have significant deductions.
Rule of thumb: If total deductions > ā¹3.75L ā Old regime usually better. Otherwise ā New regime wins.