Salary + HRA + Home Loan – Kaunsa Tax Regime Better? (Full Illustration 2026)
Salary + HRA + Home Loan – Kaunsa Tax Regime Better? (Full Illustration 2026) Salary ₹12 lakh ke saath HRA aur Home Loan chal raha hai? Old Regime ya New Regime — kaunsa better hai? Bahut se salaried employees har saal is confusion mein rehte hain। Is detailed 2026 case study mein hum ₹12 lakh salary, HRA, Home Loan Interest aur 80C ke saath pura calculation kar ke bata rahe hain ki kaunsa regime aapke liye zyada faydemand hai। 📄 ₹399 – ITR Filing (Salaried) Case Study Assumptions Annual Salary: ₹14,00,000 (Basic ₹8,00,000) HRA Received: ₹3,00,000 Home Loan Interest: ₹2,00,000 80C Investment: ₹1,50,000 Medical Insurance: ₹25,000 Old Regime Calculation Gross Salary: ₹14,00,000 HRA Exemption: ₹76,000 (approx) Standard Deduction: ₹75,000 80C Deduction: ₹1,50,000 Home Loan Interest (Sec 24): ₹2,00,000 Medical Insurance (80D): ₹25,000 Taxable Income: ≈ ₹6,74,000 Tax Payable: ≈ ₹37,752 + 4% cess New Regime Calculation (2026) No HRA, No 80C, No 80D, No H...