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New Regime
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₹1,85,463/yr
Exempt up to ₹8,800/mo (≈ ₹200 × 2 × 22 days)
₹75K new regime · ₹50K old. Applied automatically.
Employer NPS - 80CCD(2)
14% of Basic under new · 10% under old. Works in both.
Drives HRA exemption - 0 if you don't claim HRA
Metro city
50% of Basic limit vs 40% non-metro
Capped at ₹1,50,000
Capped at ₹1,00,000
Capped at ₹50,000
Capped at ₹2,00,000
New Regime
Taxable income ₹23,75,000
Old Regime
Taxable income ₹21,98,600
| Component | Old | New |
|---|---|---|
| Standard deduction | ₹50,000 | ₹75,000 |
| HRA exemption | Allowed | Not allowed |
| LTA | Allowed | Not allowed |
| 80C (PF / ELSS / etc.) | Up to ₹1.5L | Not allowed |
| 80D (health insurance) | Up to ₹75K | Not allowed |
| Home loan interest | Up to ₹2L | Not allowed |
| Employer NPS 80CCD(2) | 10% of Basic | 14% of Basic |
| Meal card exemption | ₹200/meal | ₹200/meal |
Estimate only - not a filed return. Uses FY 2026-27 slabs, ₹12L / ₹5L rebate cliffs with marginal relief, 4% cess and surcharge. Assumes employer PF + NPS stay within the ₹7.5L combined cap. Confirm on incometax.gov.in.