{"id":8097,"date":"2023-11-28T06:48:21","date_gmt":"2023-11-28T06:48:21","guid":{"rendered":"https:\/\/www.tankhapay.com\/blog\/?p=8097"},"modified":"2026-10-23T16:47:20","modified_gmt":"2026-10-23T11:17:20","slug":"old-vs-new-tax-regime","status":"publish","type":"post","link":"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/","title":{"rendered":"Old vs New Tax Regime 2026-27: Which Is Better for You?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_78 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#Which_is_better_the_old_or_the_new_tax_regime_in_2026-27\" >Which is better, the old or the new tax regime in 2026-27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#How_have_the_tax_regimes_changed_since_2023\" >How have the tax regimes changed since 2023?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#What_are_the_new_tax_regime_slabs_for_2026-27\" >What are the new tax regime slabs for 2026-27?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#How_does_the_INR_12_lakh_rebate_work\" >How does the INR 12 lakh rebate work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#What_surcharge_applies_in_the_new_regime\" >What surcharge applies in the new regime?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#What_are_the_old_tax_regime_slabs_for_2026-27\" >What are the old tax regime slabs for 2026-27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#Which_deductions_and_exemptions_does_each_regime_allow\" >Which deductions and exemptions does each regime allow?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#Which_regime_saves_more_tax_at_each_salary_level\" >Which regime saves more tax at each salary level?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#What_does_this_look_like_for_two_people_earning_INR_15_lakh\" >What does this look like for two people earning INR 15 lakh?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#Who_should_choose_the_new_regime\" >Who should choose the new regime?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#Who_should_choose_the_old_regime\" >Who should choose the old regime?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#What_changed_under_the_Income-tax_Act_2025_for_salaried_taxpayers\" >What changed under the Income-tax Act, 2025, for salaried taxpayers?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#Which_cities_now_get_the_50_HRA_limit\" >Which cities now get the 50% HRA limit?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#How_do_you_choose_or_switch_your_tax_regime\" >How do you choose or switch your tax regime?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#How_do_employers_apply_the_regime_choice_in_payroll\" >How do employers apply the regime choice in payroll?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#Is_income_up_to_INR_12_lakh_really_tax-free_under_the_new_regime\" >Is income up to INR 12 lakh really tax-free under the new regime?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#Which_tax_regime_is_better_if_I_have_a_home_loan\" >Which tax regime is better if I have a home loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#Is_HRA_available_under_the_new_tax_regime\" >Is HRA available under the new tax regime?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#Can_I_switch_between_the_old_and_new_tax_regime_every_year\" >Can I switch between the old and new tax regime every year?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#Did_Budget_2026_change_income_tax_slabs\" >Did Budget 2026 change income tax slabs?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#Is_Section_80C_still_available_in_2026\" >Is Section 80C still available in 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#Which_regime_is_better_for_senior_citizens\" >Which regime is better for senior citizens?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.tankhapay.com\/blog\/old-vs-new-tax-regime\/#What_is_the_next_step_for_choosing_your_tax_regime\" >What is the next step for choosing your tax regime?<\/a><\/li><\/ul><\/nav><\/div>\n<div style=\"background-color: #dbeafe; padding: 20px; border-radius: 10px; margin: 20px 0;\">\n<p><b>TL;DR<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Budget 2026 made no change to income tax slabs or rates under the old or the new regime, and the Income Tax Act, 2025, came into force on 1 April 2026.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The new regime is the default, and it has seven slabs: nil up to INR 4 lakh, then 5%, 10%, 15%, 20%, 25% and 30% above INR 24 lakh.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A rebate under Section 156 makes tax nil up to INR 12 lakh of taxable income, which means INR 12.75 lakh of salary after the INR 75,000 standard deduction.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The old regime has a nil slab up to INR 2.5 lakh, rates of 5%, 20% and 30%, and a rebate only up to INR 5 lakh of income, but it keeps deductions such as HRA, Section 123 (earlier Section 80C) and home loan interest.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">By my calculation, a salaried person at INR 10 lakh or more needs about INR 4.5 lakh to INR 8 lakh of deductions beyond the standard deduction before the old regime saves more tax.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Salaried people without business income can choose a regime every year, but people with business income face limits.<\/span><\/li>\n<\/ul>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Which_is_better_the_old_or_the_new_tax_regime_in_2026-27\"><\/span><b>Which is better, the old or the new tax regime in 2026-27?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">For most salaried people, the new regime is better in tax year 2026-27, because it charges no tax up to INR 12.75 lakh of salary, and the old regime needs roughly INR 4.5 lakh to INR 8 lakh of deductions beyond the standard deduction to catch up. The old regime still wins for people who claim large amounts of rent, home loan interest and tax-saving investments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tax year 2026-27 runs from 1 April 2026 to 31 March 2027. It is the first year under the Income-tax Act, 2025, which replaced the Income-tax Act, 1961, and the term &#8220;tax year&#8221; now replaces &#8220;financial year&#8221; and &#8220;assessment year&#8221;.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Budget 2026, presented on 1 February 2026, did not change the slabs or rates of either regime. The slab structure you see below has applied since Budget 2025.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_have_the_tax_regimes_changed_since_2023\"><\/span><b>How have the tax regimes changed since 2023?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The new regime has become much more generous since the 2023 version of this guide. The nil-tax limit, the rebate and the top slab have all moved, and the law itself has been replaced.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The table compares the new regime for FY 2024-25 with tax year 2026-27, using figures from the Income Tax Department. The structure for FY 2025-26 matches tax year 2026-27.<\/span><\/p>\n<div class=\"table-responsive\">\n<table class=\"table-class\">\n<tbody>\n<tr>\n<th><b>Item<\/b><\/th>\n<th><b>New regime, FY 2024-25<\/b><\/th>\n<th><b>New regime, tax year 2026-27<\/b><\/th>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Nil tax up to<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b93,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b94,00,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Top rate of 30% starts above<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b915,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b924,00,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Number of slabs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rebate<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to \u20b925,000, for income up to \u20b97,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to \u20b960,000, for income up to \u20b912,00,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Governing law<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Income-tax Act, 1961, Section 115BAC<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Income-tax Act, 2025, Section 202<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_new_tax_regime_slabs_for_2026-27\"><\/span><b>What are the new tax regime slabs for 2026-27?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The new regime charges nil tax up to INR 4 lakh and 30% above INR 24 lakh, with five slabs in between. Section 202 of the Income Tax Act, 2025, sets these rates, and it applies to individuals unless they opt out.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A cess of 4% is added to the tax. The rates are the same as the ones that applied for FY 2025-26.<\/span><\/p>\n<div class=\"table-responsive\">\n<table class=\"table-class\">\n<tbody>\n<tr>\n<th><b>Total income<\/b><\/th>\n<th><b>Tax rate<\/b><\/th>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Up to \u20b94,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Nil<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b94,00,001 to \u20b98,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b98,00,001 to \u20b912,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b912,00,001 to \u20b916,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">15%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b916,00,001 to \u20b920,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">20%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b920,00,001 to \u20b924,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">25%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Above \u20b924,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">30%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3><span class=\"ez-toc-section\" id=\"How_does_the_INR_12_lakh_rebate_work\"><\/span><b>How does the INR 12 lakh rebate work?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The rebate under Section 156 cancels the tax for resident individuals whose taxable income is up to INR 12 lakh, up to a maximum of INR 60,000. Section 156 replaces the old Section 87A.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A salaried person gets a standard deduction of INR 75,000 under Section 19. So INR 12.75 lakh of salary becomes INR 12 lakh of taxable income, and the tax is nil.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Marginal relief applies just above the limit. For example, a taxable income of INR 12.25 lakh has INR 63,750 of tax before the rebate. The rebate cuts it to INR 25,000, which is the amount above INR 12 lakh, and the cess takes it to INR 26,000.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The rebate cannot be more than the tax at the Section 202 slab rates. Income taxed at special rates does not get cheaper because of it.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_surcharge_applies_in_the_new_regime\"><\/span><b>What surcharge applies in the new regime?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Surcharge is 10% above INR 50 lakh, 15% above INR 1 crore and 25% above INR 2 crore, and it is capped at 25% in the new regime. The old regime can reach 37% above INR 5 crore.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The surcharge rates come from the Income Tax Department&#8217;s tax rates page for AY 2026-27. Budget 2026 did not change them.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_old_tax_regime_slabs_for_2026-27\"><\/span><b>What are the old tax regime slabs for 2026-27?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The old regime has a nil slab of INR 2.5 lakh for people under 60, INR 3 lakh for senior citizens and INR 5 lakh for super senior citizens. It then charges 5%, 20% and 30%.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The rebate is much smaller than in the new regime. A resident individual with taxable income up to INR 5 lakh gets a rebate of up to INR 12,500 under Section 156(1).<\/span><\/p>\n<div class=\"table-responsive\">\n<table class=\"table-class\">\n<tbody>\n<tr>\n<th><b>Taxable income<\/b><\/th>\n<th><b>Under 60 years<\/b><\/th>\n<th><b>60 to 79 years (senior citizen)<\/b><\/th>\n<th><b>80 years and above (super senior citizen)<\/b><\/th>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Nil slab<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to \u20b92,50,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to \u20b93,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to \u20b95,00,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b92,50,001 to \u20b95,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b93,00,001 to \u20b95,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not applicable<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">20%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b95,00,001 to \u20b910,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b95,00,001 to \u20b910,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b95,00,001 to \u20b910,00,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">30%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Above \u20b910,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Above \u20b910,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Above \u20b910,00,000<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><span style=\"font-weight: 400;\">The new regime has no extra slab for senior citizens. Cess of 4% applies in both regimes.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Which_deductions_and_exemptions_does_each_regime_allow\"><\/span><b>Which deductions and exemptions does each regime allow?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The new regime allows only a few deductions, and the old regime keeps most of the familiar ones. Section 202(2) of the Income-tax Act, 2025 lists what the new regime blocks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many deductions were renumbered in the new Act, but their limits are largely unchanged. For example, the earlier Section 80C is now Section 123, and the earlier Section 80D is now Section 126.<\/span><\/p>\n<div class=\"table-responsive\">\n<table class=\"table-class\">\n<tbody>\n<tr>\n<th><b>Item<\/b><\/th>\n<th><b>Old regime<\/b><\/th>\n<th><b>New regime<\/b><\/th>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Standard deduction on salary<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b950,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b975,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">House Rent Allowance (HRA)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Allowed<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not allowed<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Leave Travel Allowance (LTA)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Allowed<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not allowed<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Section 123 (earlier 80C), up to \u20b91,50,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Allowed<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not allowed<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Health insurance, Section 126 (earlier 80D)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Allowed<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not allowed<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Extra NPS deduction of \u20b950,000 (earlier 80CCD(1B))<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Allowed<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not allowed<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Employer&#8217;s contribution to NPS<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Allowed<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Allowed<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Home loan interest on a self-occupied house, up to \u20b92,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Allowed<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not allowed<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Professional tax<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Deductible<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not deductible<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Interest on savings, Section 153 (earlier 80TTA and 80TTB)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Allowed<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not allowed<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Gratuity, as per the Act<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Exempt<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Exempt<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Leave encashment on retirement, non-government employee, up to \u20b925,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Exempt<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Exempt<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Voluntary retirement payment, up to \u20b95,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Exempt<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Exempt<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rebate<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to \u20b912,500, income up to \u20b95,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to \u20b960,000, income up to \u20b912,00,000<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><span style=\"font-weight: 400;\">Treat the table as a guide, not a full list. Many more deductions exist, such as education loan interest and donations, and they follow the old regime rules.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Which_regime_saves_more_tax_at_each_salary_level\"><\/span><b>Which regime saves more tax at each salary level?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The new regime wins at every salary level unless your deductions beyond the standard deduction are larger than the break-even figure in the table. The break-even figure is the amount of extra deductions the old regime needs to match the new regime.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The calculation was done with respect to a person below 60 years with income through salary as the sole source. Old Regime has a standard deduction of INR 50,000 while New Regime has INR 75,000 with tax charged at 4% cess. There is no surcharge applicable in these income ranges. Contributions made by the employer to NPS can be deducted in both regimens.<\/span><\/p>\n<div class=\"table-responsive\">\n<table class=\"table-class\">\n<tbody>\n<tr>\n<th><b>Gross salary<\/b><\/th>\n<th><b>Tax in the new regime<\/b><\/th>\n<th><b>Tax in the old regime, no extra deductions<\/b><\/th>\n<th><b>Extra deductions the old regime needs to match<\/b><\/th>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b98,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b90<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b965,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b92,50,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b910,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b90<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,06,600<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b94,50,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b912,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b90<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,63,800<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b96,50,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b912,75,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b90<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,87,200<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b97,25,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b915,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b997,500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b92,57,400<\/span><\/td>\n<td><span style=\"font-weight: 400;\">About \u20b95,44,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b918,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,50,800<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b93,51,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">About \u20b96,42,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b920,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,92,400<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b94,13,400<\/span><\/td>\n<td><span style=\"font-weight: 400;\">About \u20b97,08,500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b925,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b93,19,800<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b95,69,400<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b98,00,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b930,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b94,75,800<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b97,25,400<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b98,00,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">\u20b950,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b910,99,800<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b913,49,400<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b98,00,000<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><span style=\"font-weight: 400;\">Above INR 50 lakh of income, surcharge applies and the figures change, so use a calculator for those cases.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The old 2023 rule of thumb, that deductions above INR 3.75 lakh favour the old regime, no longer holds. At most salaries you now need more than that.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_does_this_look_like_for_two_people_earning_INR_15_lakh\"><\/span><b>What does this look like for two people earning INR 15 lakh?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The same salary can give opposite answers, depending on deductions. These two examples are made up to show the maths.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Asha earns INR 15 lakh and has INR 3 lakh of extra deductions. She pays INR 1,63,800 in the old regime and INR 97,500 in the new regime, so the new regime saves her INR 66,300.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Rohit also earns INR 15 lakh. He claims INR 1.8 lakh of HRA exemption, INR 1.5 lakh under Section 123, INR 50,000 of extra NPS, INR 25,000 of health insurance and INR 2 lakh of home loan interest, a total of INR 6.05 lakh. He pays INR 84,760 in the old regime and INR 97,500 in the new regime, so the old regime saves him INR 12,740.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Who_should_choose_the_new_regime\"><\/span><b>Who should choose the new regime?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Choose the new regime if your extra deductions are below the break-even figure for your salary. This covers most people who do not pay rent, have no home loan and invest little under Section 123.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These groups usually do better in the new regime:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Salaried people earning up to INR 12.75 lakh, who pay nil tax.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Younger employees with few tax-saving investments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">People who prefer less paperwork, because the new regime needs no investment proofs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consultants and others with income that does not qualify for many deductions.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Who_should_choose_the_old_regime\"><\/span><b>Who should choose the old regime?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Choose the old regime if your claimable deductions are large enough to pass the break-even figure. Run the numbers each year, because rent, loans and investments change.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These groups often do better in the old regime:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">People who pay high rent and receive HRA, especially in the eight cities with a 50% limit.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">People with a home loan who can claim up to INR 2 lakh of interest on a self-occupied house.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Senior citizens with large interest income, who can claim up to INR 50,000 of interest under Section 153 (earlier 80TTB).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">People who invest heavily under Section 123, NPS and health insurance.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What_changed_under_the_Income-tax_Act_2025_for_salaried_taxpayers\"><\/span><b>What changed under the Income-tax Act, 2025, for salaried taxpayers?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The new Act mainly renumbered the old sections and changed a few rules that affect pay. Section numbers on payslips, Form 16 and tax software now follow the 2025 Act.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Income-tax Rules, 2026 were notified on 20 March 2026. They replace the 1962 Rules, and they changed the HRA city list.<\/span><\/p>\n<div class=\"table-responsive\">\n<table class=\"table-class\">\n<tbody>\n<tr>\n<th><b>Item<\/b><\/th>\n<th><b>Old Act, 1961<\/b><\/th>\n<th><b>New Act, 2025<\/b><\/th>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">New regime<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Section 115BAC<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Section 202<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Rebate<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Section 87A<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Section 156<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Standard deduction and salary deductions<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Section 16<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Section 19<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Tax-saving investments<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Section 80C<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Section 123 and Schedule XV<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Health insurance<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Section 80D<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Section 126<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">TDS on salary<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Section 192<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Section 392<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Time period<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Financial year and assessment year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Tax year<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><span style=\"font-weight: 400;\">Practitioner guides also report that Form 124 replaces Form 12BB for employee claims. Confirm form numbers with your employer, because forms were renumbered from 1 April 2026.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_cities_now_get_the_50_HRA_limit\"><\/span><b>Which cities now get the 50% HRA limit?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Eight cities now get the 50% limit: Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad, Pune and Ahmedabad. Rule 279 of the Income-tax Rules, 2026 added the last four from 1 April 2026, according to several practitioner sources.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">HRA is available only in the old regime. If you live in one of the new cities and pay rent, the old regime became a little more valuable in 2026-27.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_do_you_choose_or_switch_your_tax_regime\"><\/span><b>How do you choose or switch your tax regime?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you have no business income, you can pick the old or new regime every year. The Income Tax Act, 2025, says a person without business or profession income exercises the option along with the return of income.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The new regime applies by default. The steps below describe the usual routine for salaried people.<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compare both regimes with the break-even table above or the Income Tax Department&#8217;s calculator.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tell your employer your choice at the start of the year, so TDS (tax deducted at source) follows it.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you say nothing, the employer deducts tax under the new regime.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can still choose the other regime when you file your return, and the final tax follows that choice.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Salaried individuals without business income usually file by 31 July.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">People with business or professional income have stricter rules. The Act says the option, once exercised, applies to later years, can be withdrawn only once, and after that the person can never opt again unless the business income stops.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Budget 2026 also extended the deadline for a revised return to 31 March, with a fee for revisions filed after 31 December. That gives more room to fix a wrong regime choice.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_do_employers_apply_the_regime_choice_in_payroll\"><\/span><b>How do employers apply the regime choice in payroll?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Deductions for TDS on salary are made by employers according to Section 392 of the Income Tax Act 2025 in accordance with the regime that each employee chooses. According to practitioner advice, the default regime is the new regime if the individual says nothing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Payroll teams collect each employee&#8217;s regime choice and old-regime claims, such as rent and loan proofs. They then apply the right slabs, the 50% HRA rule for the eight cities and the new section numbers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Errors cost money in both directions. Deducting too little leaves the employee with a tax bill at filing, and deducting too much cuts take-home pay until a refund arrives.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For the wider picture of 2026 payroll rule changes, see TankhaPay&#8217;s guide to<\/span><a href=\"https:\/\/www.tankhapay.com\/blog\/payroll-compliance-changes-india\/\"> <span style=\"font-weight: 400;\">payroll compliance changes in India<\/span><\/a><span style=\"font-weight: 400;\"> and its<\/span><a href=\"https:\/\/www.tankhapay.com\/blog\/payroll-compliance-checklist\/\"> <span style=\"font-weight: 400;\">payroll compliance checklist for 2026<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_income_up_to_INR_12_lakh_really_tax-free_under_the_new_regime\"><\/span><b>Is income up to INR 12 lakh really tax-free under the new regime?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Yes, for resident individuals, but only taxable income up to INR 12 lakh gets the full rebate. A salaried person gets there at an INR 12.75 lakh salary because of the INR 75,000 standard deduction.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Above that, marginal relief limits the tax so it does not jump. Special-rate income does not get the rebate.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Which_tax_regime_is_better_if_I_have_a_home_loan\"><\/span><b>Which tax regime is better if I have a home loan?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The old scheme may work better in some cases, but it is difficult for a home loan to outdo the new scheme beyond INR 10 lakh of salary income. The old scheme gives a tax deduction on interest of up to INR 2 lakh of a self-occupied property and repayment of the principal within INR 1.5 lakh.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Together, that is INR 3.5 lakh, which is below the break-even figure for most salaries from INR 10 lakh. Add HRA, NPS and health insurance, and the old regime can win.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_HRA_available_under_the_new_tax_regime\"><\/span><b>Is HRA available under the new tax regime?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>No.<\/b><span style=\"font-weight: 400;\"> The new regime blocks the House Rent Allowance. If you want to claim HRA, you must use the old regime.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">From 1 April 2026, eight cities get the 50% limit under the Income Tax Rules, 2026.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Can_I_switch_between_the_old_and_new_tax_regime_every_year\"><\/span><b>Can I switch between the old and new tax regime every year?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Yes, if you have no business or professional income. You choose each year, either with your employer at the start of the year or when you file your return.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have business or professional income, the Act limits how many times you can change.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Did_Budget_2026_change_income_tax_slabs\"><\/span><b>Did Budget 2026 change income tax slabs?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">No. Budget 2026 kept the slabs and rates of both regimes the same for tax year 2026-27.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It extended the revised return deadline to 31 March and cut TCS (tax collected at source) on some foreign remittances, and the new Income-tax Act, 2025, started on 1 April 2026.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_Section_80C_still_available_in_2026\"><\/span><b>Is Section 80C still available in 2026?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Yes, in the old system, but now under a different number. Section 123 of the Income-tax Act, 2025 deals with the same investments mentioned in Section 80C with a cap of INR 1.5 lakh.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Eligible investments now sit in Schedule XV of the Act. The new regime does not allow this deduction.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Which_regime_is_better_for_senior_citizens\"><\/span><b>Which regime is better for senior citizens?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The old regime can suit senior citizens with large interest income, but check both. The old regime gives a nil slab of INR 3 lakh from age 60 and INR 5 lakh from age 80, and up to INR 50,000 of interest deduction under Section 153.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The new regime has no senior citizen slab, but its rebate makes income up to INR 12 lakh tax-free. Compare both with your actual income.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_next_step_for_choosing_your_tax_regime\"><\/span><b>What is the next step for choosing your tax regime?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>Compare both regimes with your real figures before April, and update your employer&#8217;s records when your situation changes.<\/b><span style=\"font-weight: 400;\"> A new loan, a rent change or a move to one of the eight HRA cities can flip the result.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For payroll teams, the work is making sure every employee&#8217;s choice is applied correctly in TDS and on Form 16. To review how your payroll handles regime choices and the 2026 rule changes,<\/span><a href=\"https:\/\/www.tankhapay.com\/demo\"> <span style=\"font-weight: 400;\">Book a Strategy Call<\/span><\/a><span style=\"font-weight: 400;\"> with TankhaPay&#8217;s payroll compliance team.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"tmnf_excerpt\">TL;DR Budget 2026 made no change to income tax slabs or rates under the old or the new regime, and \u2026<\/div>","protected":false},"author":1,"featured_media":15267,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[146],"tags":[],"class_list":["post-8097","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-employee-support"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Old vs New Tax Regime 2026-27: Which Is Better? | TankhaPay<\/title>\n<meta name=\"description\" content=\"Confused between the Old vs New Tax Regime? 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