Discover how to save money in new tax regime with smart strategies and expert-approved deductions.
Learn how to save tax in new tax regime India and find out if the new tax regime is better than the old one. Stay compliant and maximize savings legally.
How to Save Money in New Tax Regime – Complete Guide (2025 Edition)
India mein naye income tax regime ke aane ke baad sabse bada sawaal ye hai – “How to save money in new tax regime?” Kya aap ab bhi tax bachaa sakte ho? Kya old tax regime better hai? Aaj hum is article mein detail mein samjhenge how to save in new tax regime, aur kis tarah se aap apne hard-earned paise ko smartly manage kar sakte ho bina kisi rule tod ke.
New Tax Regime vs Old Tax Regime – Basic Difference
Old tax regime mein aapko multiple deductions milte the – jaise Section 80C, 80D, HRA, LTA, etc. Lekin new tax regime mein government ne tax slabs simplify kiye hain aur zyada logon ko attract karne ke liye lower rates diye hain.
| Income Range (₹) | Old Regime Tax Rate | New Regime Tax Rate |
| Up to 3 lakh | Nil | Nil |
| 3-6 lakh | 5% | 5% |
| 6-9 lakh | 10% | 10% |
| 9-12 lakh | 15% | 15% |
| 12-15 lakh | 20% | 20% |
| Above 15 lakh | 30% | 30% |
👉 Lekin major difference ye hai ki new tax regime mein deductions aur exemptions bahut limited hain. Phir bhi, kuch smart ways hain jisse aap legally how to save tax in new tax regime India kar sakte ho.
How to Save Money in New Tax Regime – Smart & Legal Ways
Chaliye ab step by step samjhte hain how to save money in new tax regime ke top methods:
1️. Employer Benefits ka Full Use Karein
Aapke salary structure mein kuch allowances ab bhi tax-free hain new regime mein. Jaise:
- Employer’s contribution towards NPS (up to 10%)
- Employer’s contribution to EPF (up to ₹7.5 lakh combined)
- Gratuity received from employer (within limits)
In benefits ka sahi structure banwa kar aap apna tax burden kam kar sakte ho.
2️. National Pension System (NPS) Invest Karein
Agar aap NPS mein khud voluntary contribution karte ho (Section 80CCD(1B)), to aapko ₹50,000 ka extra deduction milta hai – even under the new tax regime. Ye ek major tool hai for how to save tax in new tax regime.
3️. Health Insurance aur Medical Reimbursements
Old regime mein health insurance premium par 80D ke under deduction milti thi. New regime mein ye direct nahi milti, lekin agar employer ke through health cover milta hai, to wo tax-free benefit maana jata hai. So, opt for employer-sponsored health plans.
4️. Home Loan ka Interest (for Rental Property)
Agar aapka ghar loan par hai aur aapne wo property rent par diya hai, to aap interest amount ko deduct kar sakte ho from rental income even under new regime. Ye ek hidden trick hai how to save in new tax regime.
5️. Voluntary Retirement Benefits & Gratuity
VRS amount aur gratuity dono hi tax-free up to certain limits hote hain. Agar aap retirement ke paas ho, to ye benefits claim karke how to save money in new tax regime kar sakte ho.
6️. Standard Deduction for Salaried Individuals
Finance Act 2023 ke baad government ne ₹50,000 ka standard deduction allow kiya hai salaried employees ke liye under new tax regime bhi. So, don’t forget to claim that!
7️. Leave Encashment
Agar aap private employee ho aur aapko leave encashment milta hai at retirement, to wo ₹25 lakh tak tax-free hai under the new tax regime.
Is New Tax Regime Better Than Old?
Ab sabse bada question – is new tax regime better?
Answer simple nahi hai. Agar aap heavily invest karte ho 80C instruments mein (like PPF, ELSS, insurance), to old regime aapke liye zyada beneficial ho sakta hai.
Lekin agar aap chahte ho simple filing aur zyada take-home salary, to new regime best option hai.
Ek salaried person jiska investment kam hai, uske liye new regime mein effective tax rate kam ho jata hai.
Example Calculation (Simplified)
Case A – Old Regime:
Salary ₹12 lakh, invests ₹1.5 lakh (80C) + ₹25k (80D).
→ Taxable Income = ₹10.25 lakh → Tax ~₹1.05 lakh
Case B – New Regime:
Salary ₹12 lakh, standard deduction ₹50k.
→ Taxable Income = ₹11.5 lakh → Tax ~₹1.02 lakh
Difference minor lagta hai, but filing process new regime mein easy aur transparent hai.
Pro Tips for Tax Saving (2025 Updated)
- Always compare both regimes with online income tax calculator before filing.
- Employer se salary breakup discuss karein for maximum non-taxable benefits.
- NPS, EPF aur home loan ke combination se maximum saving mil sakti hai.
- Don’t invest blindly – har deduction ka documentation maintain karein.
FAQs – How to Save Money in New Tax Regime
1. Can I still claim Section 80C under new tax regime?
→ No, 80C deduction (like PPF, LIC, ELSS) sirf old regime mein available hai.
2. How to save tax in new tax regime India legally?
→ Employer contributions, NPS, standard deduction aur rental interest use karke.
3. Is new tax regime better for salaried people?
→ Haan, agar aapke paas limited investments hain, to new regime aapke liye better hai.
4. How to save money in old tax regime?
→ Use Section 80C, 80D, HRA, LTA, and home loan deductions under old regime.
5. How to switch between old and new regime?
→ Salaried individuals har financial year change kar sakte hain via Form 10IEA while filing ITR.
Conclusion: Final Verdict
Agar aap genuinely soch rahe ho how to save money in new tax regime, to trick simple hai – smart planning, employer benefits, aur NPS investment.
New regime simple hai, transparent hai aur zyada logon ke liye beneficial bhi hai – especially unke liye jo fixed income pe depend karte hain.
So next time jab aap ITR file karein, dono regime compare karein aur apne liye best choose karein.
Disclaimer: This article is for informational purposes only and does not guarantee any earnings or financial results. Readers are advised to do their own research or consult a financial advisor before making any decisions.
