Income Tax Slabs 2026-27: New Regime vs Old Regime - Kaunsa Better Hai?
Income tax slabs 2026-27 ki complete guide - new tax regime vs old tax regime comparison, kaun sa better hai, aur maximum tax kaise bachayein.
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Income Tax Slabs 2026-27: New Regime vs Old Regime
Budget 2025 mein income tax mein significant changes aaye hain. New tax regime mein ab ₹12 lakh tak zero tax (rebate ke saath) hai. Is guide mein hum new vs old regime compare karenge aur batayenge ki aapke liye kaunsa better hai.
New Tax Regime Slabs 2026-27
| Income Range | Tax Rate |
|---|---|
| Up to ₹4 lakh | Nil |
| ₹4-8 lakh | 5% |
| ₹8-12 lakh | 10% |
| ₹12-16 lakh | 15% |
| ₹16-20 lakh | 20% |
| ₹20-24 lakh | 25% |
| Above ₹24 lakh | 30% |
Old Tax Regime Slabs 2026-27
| Income Range | Tax Rate |
|---|---|
| Up to ₹2.5 lakh | Nil |
| ₹2.5-5 lakh | 5% |
| ₹5-10 lakh | 20% |
| Above ₹10 lakh | 30% |
New vs Old Regime - Kaun Sa Better?
| Income | New Regime Tax | Old Regime Tax (with ₹3.5L deductions) | Better Option |
|---|---|---|---|
| ₹8 lakh | ₹20,000 | ₹22,500 | New Regime |
| ₹12 lakh | ₹0 (rebate) | ₹52,500 | New Regime |
| ₹15 lakh | ₹1,05,000 | ₹1,12,500 | New Regime |
| ₹20 lakh | ₹2,10,000 | ₹2,62,500 | New Regime |
Old Regime Better Kab Hoga?
Old regime tab better hoga jab aapke paas bahut zyada deductions hain:
- 80C: ₹1.5 lakh (PPF, ELSS, LIC)
- HRA: ₹2+ lakh (high rent city mein)
- Home Loan Interest: ₹2 lakh
- 80D: ₹25,000+ (health insurance)
- Total deductions ₹5+ lakh hain toh old regime check karein
Conclusion
2026-27 mein zyada tar taxpayers ke liye new regime better hai. ₹12 lakh tak zero tax bahut attractive hai. Lekin agar aapke paas HRA + Home Loan + 80C maximum deductions hain toh old regime calculate karke compare karein!
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