Old tax regime vs New tax regime: ₹10 lakh CTC pe ₹38,000 bachat
Ek IT employee ne dono tax regime compare kiya aur bataya kaunsa new regime mein ₹38,000 zyada milte.
5 मिनट पढ़ें
1200 शब्द
1/4/2026
₹10 lakh CTC. HR ne kaha "new regime opt kar lo, zyada standard deduction milega." Maine old regime calculate kiya. New regime: ₹38,000 tax. Old regime: ₹76,000 tax. ₹38,000 ka fark. Maine old regime choose kiya. Main hoon Ankit, 29, Bangalore mein IT engineer.
उपयोग विधि
My CTC: ₹10,00,000
Basic salary: ₹6,50,000
HRA: ₹1,20,000
Special allowance: ₹1,00,000
LTA: ₹50,000
Bonus: ₹75,000
Old Regime calculation:
Gross income: ₹10,00,000
Standard deduction: -₹50,000
Section 80C (PPF + ELSS): -₹1,50,000
Section 80D (medical): -₹25,000
HRA exemption: -₹1,20,000
LTA: -₹50,000
Taxable income: ₹7,605,000
Tax: ₹76,500
New Regime calculation:
Gross income: ₹10,00,000
Standard deduction: -₹75,000
Taxable income: ₹9,250,000
Tax: ₹38,500
Tax calculator mein:
New regime jeeta by ₹38,000.
Lekin agar mere 80C investments zyada hote (₹2,50,000):
Old regime taxable: ₹6,905,000
Tax: ₹57,500
Tab bhi new regime jeeta.
Agar CTC ₹15 lakh ho:
Old regime (with deductions): Tax ₹1,55,000
New regime: Tax ₹1,35,000
Farak: ₹20,000
Break-even point: ~₹12 lakh CTC ke upar old regime better ho sakta.
प्रो टिप्स
Tax calculator istemal karein. Dono regime ka result dekhein. Jo kam ho woh choose karein. 5 minute ka kaam.
Naya saal mein opt FEB tak le sakta check karein. Kisi bhi lock nahi hota. Har saal change kar sakte hain.
80C ke liye ELSS best hai. Tax bachat + market return dono milte.
सामान्य गलतियाँ
Sabse badi galti: HR ya colleagues ki suna ke blind ly new regime choose lena. Apna calculation karein.
Doosri galti: 80C claim karne ki aadat nahi rakhna. PPF, ELSS, home loan principal, insurance sab 80C mein aate hain.
Teesri galti: HRA claim nahi karna. Rent pe HRA exemption milta hai. Employer se rent receipt le ke claim karein.