🇮🇳Uses Indian IT Act slabs, FY 2025-26 — not applicable outside India
Income Tax on ₹12 LPA — Is It Really Zero Under New Regime?
At ₹12 LPA, income tax under new regime is zero due to Section 87A rebate. See full breakdown.
✓ New Regime saves you more
₹1,11,800
per year · ₹9,317 more every month
Switch to
New Regime
Income Details
₹
₹1L₹1Cr
Salary / business income before deductions
yrs
FY 2025-26 Tax Comparison
Monthly In-Hand Salary
New Regime
₹1,00,000
/month
Old Regime
₹90,683
/month
₹9,317 more per month with New Regime
✓ Winner
New Tax Regime
₹75K std. deduction · no other deductions
Taxable Income₹11.25 L
Income Tax₹52.5K
Rebate u/s 87A−₹52.5K
Total Tax
₹0
0% effective rate
Old Tax Regime
HRA + 80C + 80D + NPS + 24b
Taxable Income₹9.75 L
Income Tax₹1.07 L
Total Tax
₹1,11,800
9.3% effective rate
Tax Comparison
New Regime₹0
Old Regime₹1,11,800
New Regime Rate
0%
Old Regime Rate
9.3%