Most salaried people now save more under the new regime, but not everyone.
When the old regime can still win
- You pay a big home loan interest
- You claim large 80C and 80D deductions
- You get a high HRA and pay rent
How to decide
Add up your deductions. If they cross about ₹4 lakh, check both regimes before you file. Or WhatsApp us your Form 16 and we will compare for free.