Sharma household · 3 PANs aggregated · Pro family unlocks combined dashboards across the year.
Per-member refund
Household
₹42.5k
- Priya+ ₹24.5k
- Aarav (you)+ ₹18k
- Ravi₹0
3 PANs · all clear or refund · no member owes
Regime · per-member
2 of 3 New- AaravNew · saves ₹14k
- PriyaNew · saves ₹9.4k
- RaviEither · ₹0 tax
Household saves ₹26,400 by picking best regime per member.
Per-member breakdown
- ARefund+ ₹18,000
Aarav Sharma (you)
ITR-1 · old regime · salaried
- PRefund+ ₹24,500
Priya Sharma
ITR-2 · old regime · salary + CG
- RClear₹0
Ravi Sharma (parent)
ITR-1 · pension · senior citizen
Household optimisation
Move Ravi's mediclaim → your §80D (₹7,800 saved)
Ravi pays no tax (income below threshold) so his ₹25k mediclaim premium is wasted. If you pay for it and claim under §80D · senior parents, you save ₹7,800 at your 31.2% slab.