Budget 2025 ke baad taxpayers ke liye sabse important confusion ye hoti hai—New Tax Regime better hai ya Old?
Iss article me hum 2025 ke tax rules ko simple language me explain karenge, taaki aap smart financial decisions le sakein.
New Tax Regime 2025 – What Has Changed?
2025 me Government ne New Tax Regime ko aur attractive banane ke liye kaafi updates kiye hain. Ab zyada salary earners automatically New Regime me aa jayenge unless they opt out.
- ✔ Lower tax rates
- ✔ Higher basic exemption
- ✔ Standard deduction allowed
- ✔ No complicated proofs
- ✔ System automatically calculates lowest tax for you
New Tax Regime Slabs 2025
| Income Range | Tax Rate |
|---|---|
| ₹0 – ₹3,00,000 | 0% |
| ₹3,00,001 – ₹7,00,000 | 5% |
| ₹7,00,001 – ₹10,00,000 | 10% |
| ₹10,00,001 – ₹12,00,000 | 15% |
| ₹12,00,001 – ₹15,00,000 | 20% |
| ₹15,00,001+ | 30% |
Biggest advantage: ₹7 lakh tak koi tax nahi (rebate ke saath).
Old vs New Tax Regime – Which One Saves More?
Simple rule yaad rakhein:
- Agar aap zyada deductions claim karte ho (₹2 lakh+), Old Regime better.
- Agar aap deductions nahi lete ya salary fixed hai → New Regime best.
Example Comparison
Salary: ₹10 lakh
Old Regime:
80C (₹1,50,000) + 80D (₹25,000) + Standard Deduction (₹50,000)
👉 Taxable = ₹10,00,000 – ₹2,25,000 = ₹7,75,000
👉 Tax approx = ₹62,500
New Regime:
Automatic calculation + lower slab
👉 Tax approx = ₹37,500
Winner: New Tax Regime
Allowed Deductions in New Tax Regime 2025
Earlier deductions allowed nahi the, but 2025 update ke baad kuch benefits milte hain:
- ✔ ₹50,000 Standard deduction
- ✔ Employer NPS contribution (80CCD)
- ✔ Agniveer Corpus Fund deduction
Baaki saari deductions old regime ke andar hi allowed hain:
- – Section 80C (PF, PPF, ELSS, Sukanya)
- – Section 80D (Health Insurance)
- – Home Loan Tax Benefits
- – HRA, LTA
Embedded Video: New Tax Regime Explained
Should You Switch to the New Tax Regime?
Ye 3 questions ka jawab decide karega:
- Kya aap yearly investments karte ho 80C me?
- Kya aapke paas home loan, HRA, LTA benefits hain?
- Kya aap simplified tax system prefer karte ho?
Agar aapka answer:
- Yes → Old Regime
- No → New Regime
Final Recommendation
Agar aap employees ho aur aapke paas deductions limited hain, New Regime tax saving ke liye best hoga.
Agar aap heavy investor ho, home loan holder ho, ya savings-focused plan bana rahe ho—Old Regime better hoga.
Best way?
Tax calculator use karke dono compare karo.