FY 2026–27 mein do tax regimes available hain — New Tax Regime aur Old Tax Regime. Bahut log confuse hain ki kaunsa better hai. Aaj hum simple language mein samjhate hain.
New Tax Regime — Slabs 2026-27
| Income | Tax Rate |
|---|---|
| Up to ₹3,00,000 | NIL |
| ₹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% |
| Above ₹15,00,000 | 30% |
Note: New regime mein ₹7 lakh tak koi tax nahi (rebate u/s 87A ke baad).
Old Tax Regime — Slabs 2026-27
| Income | Tax Rate |
|---|---|
| Up to ₹2,50,000 | NIL |
| ₹2,50,001 – ₹5,00,000 | 5% |
| ₹5,00,001 – ₹10,00,000 | 20% |
| Above ₹10,00,000 | 30% |
Kaun sa Choose Karo?
- New Regime choose karo agar aap HRA, 80C, home loan deduction nahi lete
- Old Regime choose karo agar aapke paas ₹2–3 lakh+ ki deductions hain (80C, HRA, home loan)
Dono ka calculation karo — jo regime mein tax kam aaye, woh choose karo. CA se consult karna best rahega.
Conclusion
New Tax Regime 2026 mein kaafi attractive hai — especially un logon ke liye jo deductions nahi lete. Lekin agar aap PPF, ELSS, home loan mein invest karte hain toh Old Regime better ho sakta hai.