New vs Old Tax Regime: Kaun Sa Option Aapke Liye Better Hai? (Simple Comparison)

Income tax file karte waqt sabse common confusion hota hai:

New Tax Regime choose karein ya Old Tax Regime?

Bahut log:

Default option select kar lete hain
Ya bina compare kiye decision le lete hain
Galat choice ka matlab hota hai extra tax payment.

Is blog me hum simple language me samjhenge kaunsa option aapke liye better hai.

Old Tax Regime Kya Hai?

Old tax regime me:

Tax rates thode higher hote hain
Lekin deductions aur exemptions allowed hoti hain

Common benefits:

* Section 80C (PPF, LIC, ELSS, etc.)
* HRA (House Rent Allowance)
* Section 80D (Health Insurance)
* Home loan interest

👉 Agar aap deductions use karte ho, to old regime useful ho sakta hai.

New Tax Regime Kya Hai?

New tax regime me:

* Tax rates lower hote hain
* Lekin most deductions allow nahi hoti
* Ye option unke liye hota hai:
* Jo deductions claim nahi karte

Ya simple, hassle-free tax system chahte hain

🔄 New vs Old Tax Regime – Simple Comparison

🔹 Tax Rates

Old Regime: Higher
New Regime: Lower

🔹 Deductions & Exemptions

Old Regime: Allowed
New Regime: Mostly not allowed

🔹 Tax Filing Process

Old Regime: Thoda complex
New Regime: Simple

🔹 Who Should Choose
Old Regime:

* Jinke paas 80C, HRA, 80D, home loan hai

New Regime:

* Jo deductions use nahi karte

Kaun Sa Option Aapke Liye Better Hai?

✅ Old Tax Regime Choose Karein Agar:

* Aap tax-saving investments karte ho
* HRA ya home loan benefit lete ho
* Health insurance premium pay karte ho

✅ New Tax Regime Choose Karein Agar:

* Aap deductions claim nahi karte
* Salary structure simple hai
* Aap easy filing chahte ho

⚠️ Common Mistake

* Sirf lower tax rate dekhkar decision lena
* Dono options ka calculation compare na     karna

Ye mistakes extra tax ka reason banti hain.

Conclusion

New aur Old tax regime dono alag situations ke liye bane hain.
Best option wahi hota hai jo aapki income aur deductions ke according ho.
Har saal ITR file karte waqt:
Dono options compare karein
Phir decision lein

Disclaimer

This article is for general informational purposes only. Income tax rules may change from time to time. Please consult a tax professional before making final decisions.

Comments

Post a Comment

Popular posts from this blog

AIS vs Form 26AS – Practical Difference Explained with Illustration

AIS vs Form 26AS – Practical Difference Explained with Illustration (2026 Guide) Income tax filing के समय सबसे बड़ा confusion क्या होता है? AIS देखना है या 26AS? दोनों अलग हैं या same? Chaliye ek simple illustration se samajhte hain. ------------------------------------- Illustration: Mr. Verma salary earn karte hain ₹12 lakh annually. Unhone ITR file karne se pehle Form 26AS download kiya. Form 26AS me dikh raha hai: • TDS by employer • Bank TDS on FD interest Unhone return file kar diya. Baad me AIS check kiya to pata chala: • ₹3 lakh mutual fund redemption • ₹8 lakh high value credit card payment • ₹5 lakh property stamp duty entry Ye sab 26AS me nahi tha. ------------------------------------- Difference samjhiye: Form 26AS kya dikhata hai? • TDS entries • TCS entries • Advance tax • Self-assessment tax AIS kya dikhata hai? • TDS + TCS • Savings interest • Mutual fund transactions • Share transactions • Property purchase/sale • High value transactions • Foreign remittance • Credit c...
Read more

Salary + HRA + Home Loan – Kaunsa Tax Regime Better? (Full Illustration 2026)

Salary + HRA + Home Loan – Kaunsa Tax Regime Better? (Full Illustration 2026) Income tax ka sabse bada confusion ye hota hai: Salary bhi hai   HRA bhi mil raha hai   Home loan bhi chal raha hai   To Old Regime choose karein ya New Regime? Aaj ek real life example ke through samajhte hain. -------------------------------------------------- Case Study -------------------------------------------------- Mr. Raj Annual Salary: ₹14,00,000 HRA received: ₹3,00,000 Rent paid: ₹18,000 per month Home Loan Interest: ₹2,20,000 Principal Repayment: ₹1,40,000 Other 80C Investment: ₹50,000 City: Non-metro -------------------------------------------------- Step 1: HRA Exemption Calculation -------------------------------------------------- Rent paid yearly = 18,000 × 12 = ₹2,16,000 HRA exemption = Minimum of: 1) Actual HRA received = 3,00,000   2) Rent paid – 10% salary      = 2,16,000 – 1,40,000      = 76,000   3)...
Read more

Home Loan Par Income Tax Deduction 2026 – Kitna Benefit Milta Hai? (With Full Illustration)

Agar aapne home loan liya hai ya lene ka plan bana rahe hain, to ek baat clear samajh lijiye: Home loan sirf ghar nahi deta — Ye aapka Income Tax bhi kam karta hai. Lekin kaun si section me kitni deduction milti hai? Old Regime me kitna benefit? New Regime me kya milta hai? Aaj sab simple example ke saath samajhte hain. ------------------------------------------ 1️⃣ Home Loan Par Kaun-Kaun Si Deduction Milti Hai? ------------------------------------------ Section 80C Principal repayment par maximum ₹1.5 lakh tak deduction. Section 24(b) Interest payment par maximum ₹2 lakh tak deduction (self-occupied property). Section 80EE / 80EEA First time home buyers ke liye extra deduction (conditions apply). ------------------------------------------ 2️⃣ Practical Illustration (Real Calculation) ------------------------------------------ Case: Annual Salary = ₹12,00,000 Home Loan Interest = ₹2,20,000 Principal Repayment = ₹1,50,000 Other 80C Investment = ₹50,000 ---------------------------------...
Read more