{"id":32,"date":"2026-04-29T02:33:12","date_gmt":"2026-04-29T02:33:12","guid":{"rendered":"https:\/\/myinstabiz.com\/blog\/new-vs-old-tax-regime-india-2025-26\/"},"modified":"2026-04-29T05:04:51","modified_gmt":"2026-04-29T05:04:51","slug":"new-vs-old-tax-regime-india-2025-26","status":"publish","type":"post","link":"https:\/\/myinstabiz.com\/blog\/new-vs-old-tax-regime-india-2025-26\/","title":{"rendered":"New Tax Regime vs Old Tax Regime \u2014 Which Saves More Tax in 2025-26?"},"content":{"rendered":"<p>Choosing between New Tax Regime and Old Tax Regime can save you thousands in income tax. With Budget 2024 changes, the new regime is now the default. Here is a detailed comparison to help you decide.<\/p>\n<h2>New Tax Regime \u2014 FY 2025-26 Slabs<\/h2>\n<ul>\n<li>Up to Rs 3 lakh: NIL<\/li>\n<li>Rs 3-7 lakh: 5%<\/li>\n<li>Rs 7-10 lakh: 10%<\/li>\n<li>Rs 10-12 lakh: 15%<\/li>\n<li>Rs 12-15 lakh: 20%<\/li>\n<li>Above Rs 15 lakh: 30%<\/li>\n<li>Standard deduction: Rs 75,000 (salaried)<\/li>\n<li>Rebate u\/s 87A: Up to Rs 25,000 if income up to Rs 7 lakh<\/li>\n<\/ul>\n<h2>Old Tax Regime \u2014 FY 2025-26 Slabs<\/h2>\n<ul>\n<li>Up to Rs 2.5 lakh: NIL<\/li>\n<li>Rs 2.5-5 lakh: 5%<\/li>\n<li>Rs 5-10 lakh: 20%<\/li>\n<li>Above Rs 10 lakh: 30%<\/li>\n<li>Standard deduction: Rs 50,000 (salaried)<\/li>\n<li>Rebate u\/s 87A: Up to Rs 12,500 if income up to Rs 5 lakh<\/li>\n<\/ul>\n<h2>Key Deductions Available Only in Old Regime<\/h2>\n<ul>\n<li>Section 80C: Rs 1.5 lakh (PPF, ELSS, LIC, home loan principal)<\/li>\n<li>Section 80D: Health insurance premium up to Rs 50,000<\/li>\n<li>HRA exemption (House Rent Allowance)<\/li>\n<li>LTA (Leave Travel Allowance)<\/li>\n<li>Section 80E: Education loan interest<\/li>\n<li>Section 24: Home loan interest up to Rs 2 lakh<\/li>\n<li>Section 80G: Donations to charitable trusts<\/li>\n<li>Section 80TTA\/80TTB: Savings interest deduction<\/li>\n<\/ul>\n<h2>Deductions Allowed in New Regime<\/h2>\n<ul>\n<li>Standard deduction Rs 75,000 (salaried only)<\/li>\n<li>Employer NPS contribution (Section 80CCD(2))<\/li>\n<li>Transport allowance for disabled employees<\/li>\n<li>Conveyance allowance for official duties<\/li>\n<li>Family pension deduction (1\/3 or Rs 25,000)<\/li>\n<\/ul>\n<h2>Income-wise Comparison<\/h2>\n<ul>\n<li>Income Rs 7.5 lakh: Both regimes give NIL tax (with deductions in old regime)<\/li>\n<li>Income Rs 10 lakh with Rs 1.5L 80C: Old regime saves more<\/li>\n<li>Income Rs 12 lakh with NO deductions: New regime saves more<\/li>\n<li>Income Rs 15 lakh with Rs 3L deductions: Old regime saves more<\/li>\n<li>Income above Rs 15 lakh with high deductions: Old regime usually better<\/li>\n<\/ul>\n<h2>Who Should Choose New Regime?<\/h2>\n<ul>\n<li>Young professionals with low investments<\/li>\n<li>People without home loan or HRA benefit<\/li>\n<li>Those who do not invest in 80C instruments<\/li>\n<li>Anyone wanting simple tax filing<\/li>\n<li>High earners without deductions<\/li>\n<\/ul>\n<h2>Who Should Choose Old Regime?<\/h2>\n<ul>\n<li>Home loan borrowers (interest deduction)<\/li>\n<li>HRA receivers paying high rent<\/li>\n<li>Those with health insurance premiums<\/li>\n<li>PPF\/ELSS\/insurance investors<\/li>\n<li>People supporting parents (80D, 80DDB)<\/li>\n<\/ul>\n<h2>How to Switch Between Regimes<\/h2>\n<p>Salaried employees can switch every year while filing ITR. Business\/professional income earners can opt out of new regime only once &#8211; then must continue till business ceases.<\/p>\n<h2>Why Choose My Insta Biz?<\/h2>\n<ul>\n<li>Expert CA &amp; CS team<\/li>\n<li>100% online process<\/li>\n<li>Fast turnaround time<\/li>\n<li>Pan India service<\/li>\n<li>Transparent pricing<\/li>\n<li>24&#215;7 WhatsApp support<\/li>\n<\/ul>\n<p>Get started today \u2014 <a href=\"https:\/\/myinstabiz.com\/itr-filing.php\">Apply for ITR Filing here<\/a> or call us at +91 94148 83452.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Compare new vs old tax regime for FY 2025-26. Tax slabs, deductions, calculations, and how to choose the best regime for maximum tax savings.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[15],"tags":[],"class_list":["post-32","post","type-post","status-publish","format-standard","hentry","category-income-tax"],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false},"uagb_author_info":{"display_name":"gauravjain63","author_link":"https:\/\/myinstabiz.com\/blog\/author\/gauravjain63\/"},"uagb_comment_info":0,"uagb_excerpt":"Compare new vs old tax regime for FY 2025-26. Tax slabs, deductions, calculations, and how to choose the best regime for maximum tax savings.","_links":{"self":[{"href":"https:\/\/myinstabiz.com\/blog\/wp-json\/wp\/v2\/posts\/32","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/myinstabiz.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/myinstabiz.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/myinstabiz.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/myinstabiz.com\/blog\/wp-json\/wp\/v2\/comments?post=32"}],"version-history":[{"count":1,"href":"https:\/\/myinstabiz.com\/blog\/wp-json\/wp\/v2\/posts\/32\/revisions"}],"predecessor-version":[{"id":836,"href":"https:\/\/myinstabiz.com\/blog\/wp-json\/wp\/v2\/posts\/32\/revisions\/836"}],"wp:attachment":[{"href":"https:\/\/myinstabiz.com\/blog\/wp-json\/wp\/v2\/media?parent=32"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/myinstabiz.com\/blog\/wp-json\/wp\/v2\/categories?post=32"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/myinstabiz.com\/blog\/wp-json\/wp\/v2\/tags?post=32"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}