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New vs Old Regime: Who Wins?
One of them is quietly costing you money
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New Regime
Lower rates, ₹12L tax-free, ₹75K standard deduction — but almost no other deductions.
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Old Regime
Higher rates, but you can claim 80C, 80D, HRA and home-loan interest.
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The Rule of Thumb
Few deductions?
New wins.
Maxed 80C + HRA + home loan?
Old can win.
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The Break-Even
Above ~₹15L income with big deductions, the old regime may save ₹30k–₹50k+.
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Don’t Guess
The only way to be sure is to run
your
numbers through both.
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