Agar aapki yearly salary ₹15,00,000 hai, to aapka tax depend karega ki aap Old Regime choose karte ho ya New Regime.
Chaliye simple breakdown dekhte hain 👇
🆕 1. New Tax Regime (Default)
📌 Slabs (2025):
0 – 3,00,000 → 0%
3 – 6,00,000 → 5%
6 – 9,00,000 → 10%
9 – 12,00,000 → 15%
12 – 15,00,000 → 20%
🧮 Tax Calculation:
3–6 lakh → ₹15,000
6–9 lakh → ₹30,000
9–12 lakh → ₹45,000
12–15 lakh → ₹60,000
👉 Total Tax = ₹1,50,000
👉 Cess (4%) = ₹6,000
✅ Final Tax (New Regime):
👉 ₹1,56,000 approx
🧾 2. Old Tax Regime
👉 Old regime me aapko deductions milte hain (80C, HRA, etc.)
Assume:
Standard Deduction = ₹50,000
👉 Taxable income = ₹14,50,000
📌 Slabs:
0–2.5L → 0%
2.5–5L → 5%
5–10L → 20%
10L+ → 30%
🧮 Tax Calculation:
2.5–5L → ₹12,500
5–10L → ₹1,00,000
10–14.5L → ₹1,35,000
👉 Total Tax = ₹2,47,500
👉 Cess (4%) = ₹9,900
❌ Final Tax (Old Regime):
👉 ₹2,57,400 approx
⚖️ Old vs New Regime – Best Kaun Sa Hai?
Regime Tax Amount
New Regime ₹1,56,000
Old Regime ₹2,57,400
👉 इस case me clearly New Regime better hai
💡 Tax Saving Tips (Important)
✔ New Regime me:
Almost no deductions allowed
Sirf rebate + slab benefit
✔ Old Regime me saving options:
Agar aap:
₹1.5 lakh 80C invest karte ho (PF, ELSS)
HRA claim karte ho
Insurance + home loan use karte ho
👉 Tab Old Regime better ho sakta hai
🎯 Final Conclusion
👉 ₹15 lakh salary par:
Without heavy investments → New Regime best
With strong deductions → Old Regime consider karo