Financial year 2025-26 · Assessment year 2026-27

Good to see you, Aarav Sharma

Computed under the Finance Act, 2025. Every figure below is traceable to a statutory step — open the comparison to see the working.

Estimated tax liability

₹3,74,041

Under the old regime, including 4% cess.

Expected refund

₹15,559

₹3,89,600 already paid through TDS and advance tax.

Recommended regime

Old regime

Saves ₹30,701 versus the alternative · 68% confidence.

Further saving identified

₹20,748

7 legal opportunities found across investments, salary structure and compliance.

Why this regime

Deterministic recommendation, no black box.

68% confidence

Choose the OLD REGIME. Opting for the new regime would increase your tax by ₹30,701.

Your total deductions and exemptions under the old regime come to ₹7,50,000.
Your deductions of ₹3,33,000 exceed the break-even level of about ₹0, so the old regime's lower taxable income wins.
HRA and LTA exemptions of ₹4,17,000 are only available under the old regime.
Effective tax rate: 16.92% under the old regime vs 14.43% under the other.

Head-wise, after exemptions.

Taxable income, tax and deductions compared.

Advance Tax — 1st instalment
15 Jun 2025
15% of estimated annual tax liability.
Advance Tax — 2nd instalment
15 Sept 2025
45% cumulative of estimated tax.
Advance Tax — 3rd instalment
15 Dec 2025
75% cumulative of estimated tax.
Advance Tax — 4th instalment
15 Mar 2026
100% cumulative of estimated tax.
Tax-saving investment deadline
31 Mar 2026
Last date to invest for FY 2025-26 Chapter VI-A deductions.

Annual rent exceeds ₹1,00,000 — your landlord's PAN must be reported to your employer and in the return.
You are claiming both HRA and self-occupied home-loan interest. This is allowed only where the house is genuinely not occupied by you — keep evidence.
Your 80C investments of ₹2,13,600 exceed the ₹1,50,000 ceiling. The excess earns no tax benefit — redirect it to NPS under 80CCD(1B).

Ask your employer to route part of your CTC into NPS
₹16,848
80CCD(2) · Request a salary restructuring of ₹54,000 into employer NPS.
Offset short-term gains with unrealised losses
₹3,900
70/71 · Review your portfolio for loss-making positions before 31 March.
Your self-occupied interest exceeds the ₹2 lakh cap
24(b) · Review whether the property qualifies as let-out, and consider joint ownership so each co-owner claims their own ₹2 lakh.
Harvest your ₹1.25 lakh LTCG exemption every year
112A · Book gains up to the exemption before 31 March 2026.