FY 2024-25 — New Regime vs Old Regime compare karein aur best option choose karein
New regime me tax rates kam hain lekin 80C, HRA jaise deductions nahi milte. Old regime me rates zyada hain lekin deductions claim kar sakte hain. Kaunsa behtar hai yeh aapke deductions par depend karta hai — hamara calculator dono compare karta hai.
New regime me Section 87A rebate ke saath ₹12 lakh tak ki taxable income par effectively zero tax hai (salaried ke liye standard deduction ₹75,000 alag se). Old regime me yeh limit ₹5 lakh hai. Latest budget changes ke liye official income tax website zaroor check karein.
Standard deduction salaried employees aur pensioners ko milne wala flat deduction hai — new regime me ₹75,000 aur old regime me ₹50,000. Iske liye koi proof nahi dena padta.
Old regime me Section 80C ke under ₹1.5 lakh tak deduction milta hai — PPF, ELSS, life insurance premium, EPF, home loan principal, bachon ki tuition fees waghera par.
Salaried employees har saal ITR file karte waqt regime choose kar sakte hain. Business income walon ke liye old regime me wapas aane ka option limited hai.