What you claimed
Claimed
₹4.67L
- HRA₹2.40L
- §80C₹1.50L
- Std ded₹50k
- §80D₹25k
You claimed ₹4.67L of ₹5.17L available · ₹50k NPS (80CCD-1B) still unused
Old vs new regime · new saves more
Old regime
₹98,000 · 11.7%
New regime ✓ (chosen)
₹84,000 · 10.0%
New regime: flat ₹75,000 standard deduction · lower slab rates · no separate claims for 80C, 80D, HRA. Saves you ₹14,000 this year vs old regime.
From your salary to your refund · old regime
- Gross salary₹19,60,000
- − HRA exemption−₹2,40,000
- − Standard deduction−₹50,000
- − Professional tax−₹2,500
- Net taxable salary₹16,67,500
- − §80C (ELSS + EPF)−₹1,50,000
- − §80D (Health insurance)−₹25,000
- − §80CCD(1B) NPS (upload)−₹0 / ₹50k
- Taxable income₹14,92,500
- Tax (slab)₹2,72,750
- + 4% Health & Edu cess₹10,910
- Total tax liability₹2,83,660
- − TDS deposited−₹3,01,660
- Refund due+ ₹18,000
Return checklist · 15 questions
8 / 15
-
Salaried employee?
Yes -
HRA claim?
₹2.4L -
Tax-saving investments — PPF, ELSS, EPF (80C)?
₹1.5L -
Health insurance premium (80D)?
₹25k -
Home-loan interest paid (Sec 24)?
No -
Extra ₹50k under NPS (80CCD-1B)?
No -
Charitable donations (80G)?
No -
Education loan interest (80E)?
No -
9
Any capital gains this AY?
-
10
Rental income?
Pending -
11
Foreign income?
Pending -
12
Crypto / virtual assets?
Pending -
13
Dividend income?
Pending -
14
EPF / PPF withdrawal?
Pending -
15
Side / freelance income?
Pending
What you missed this year
From your documents
Deductions you didn't claim
-
Extra ₹50,000 under NPS (80CCD-1B)
~₹15k tax
Upload your NPS statement if you contributed — this is over and above the 80C ₹1.5L cap, so it doesn't double-count.
-
Why new regime saved you ₹14,000
already applied
₹75,000 standard deduction + lower slab rates beat old regime until your 80C + HRA + 80D claims add up to ~₹3.5L.
Want forward-looking tax planning? Hire a CA for a consultation.