🧾 Income Tax Expert Guide – Save Tax Legally in FY 2025-26
Stop overpaying tax. With the right strategy, you can save legally under the Income Tax Act, 1961. This exclusive guide from Niveshnama helps you pick the best regime, optimize deductions, and plan your taxes like a pro.
💡 Tip: If your deductions exceed ₹3L (80C + HRA + 80D), Old Regime is usually better than the New Regime.
📊 Old vs New Regime – Side-by-Side Comparison
| Income Slab | Old Regime (with deductions) | New Regime (no deductions) |
|---|---|---|
| ₹7,50,000 | ₹0 (after deductions) | ₹26,000 |
| ₹10,00,000 | ₹54,600 | ₹62,400 |
| ₹15,00,000 | ₹1,17,000 | ₹1,25,400 |
📘 Most Powerful Tax-Saving Deductions
- 🟢 80C: ₹1.5L in ELSS, PPF, LIC, EPF, Home Loan (Principal)
- 🟢 80D: ₹25K–₹1L for health insurance (self & parents)
- 🟢 HRA: Based on rent, salary & city category
- 🟢 24(b): ₹2L on home loan interest
- 🟢 80CCD(1B): Extra ₹50K via NPS
🧮 Try Our Smart Tax Planning Tools
🤝 Niveshnama Tax Planning Support
- 📈 Regime selection advice based on net tax benefit
- 💰 ELSS, NPS, PPF & insurance bundling plans
- 📑 Smart document checklist for salaried/self-employed
- 🧾 Support for tax filing, refund, & ITR correction
❓ Frequently Asked Questions
Q. Should I choose New Tax Regime this year?
Use our calculator to simulate and compare net tax outgo.
Q. Can I switch regimes every year?
Salaried: Yes. Business/professionals: Only once.
Q. Can I still invest for 80C in March?
Yes, tax-saving investments till 31st March are valid for FY.
📬 Contact Niveshnama
- 📧 Email: niveshnama@gmail.com
- 📞 WhatsApp: +91 7571990152
- 🌐 Website: niveshnama.blogspot.com
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