At Kuber Financial Services, we offer comprehensive tax planning solutions designed to minimize your tax liabilities and maximize your financial efficiency. Our expert advisors work closely with you to develop personalized strategies that align with your financial goals and comply with the latest tax regulations.
The Old Tax Regime continues to offer a wide range of exemptions and deductions. Below are its key features:
Different slabs for Individuals (below 60), Senior Citizens (60–79), and Super Senior Citizens (80+).
Tax Rebate (Section 87A): Up to ₹12,500 rebate if income does not exceed ₹5,00,000
Tax Rebate (Section 87A): Up to ₹12,500 rebate if income does not exceed ₹5,00,000
Wide Range of Deductions: Includes deductions under Sections like:
HRA & LTA Benefits: Claim exemption for House Rent Allowance and Leave Travel Allowance.
NPS Contribution: Deduction under Section 80CCD(1B) up to ₹50,000 (in addition to 80C).
Surcharge: Up to 37% for very high-income individuals.
Under the Old Tax Regime, taxpayers can claim multiple deductions and exemptions such as 80C, HRA, LTA, and standard deduction, making it ideal for individuals who invest in tax-saving instruments.
| Income Tax Slabs | Income Tax Rates |
| Up to Rs. 2.5 lakh | NIL |
| Rs. 2.5 lakh - Rs.5 lakh | 5% |
| Rs. 5 lakh - Rs.10 lakh | 20% |
| Above 10 lakh | 30% |
The following are the features applicable only for new regime:
Tax rates are the same for all categories of Individuals, i.e. Individuals, Senior citizens, and Super senior citizens.
Rebate: Tax rebate up to Rs.25,000 is applicable if the total income does not exceed Rs. 7,00,000 (not applicable for NRIs).
Standard Deduction: Allowed for salaried employees is Rs.75,000.
Deduction under Family Pension: Increased from Rs.15,000 to Rs.25,000.
NPS Contribution: The deduction limit on employer's contribution to NPS is 14% for FY 2024-25.
Surcharge: The highest surcharge rate is 25% as opposed to 37% in the old.
The new regime is the default tax regime.
The Rebate has been increased to Rs. 60,000 from Rs. 25,000 for the FY 2025-26. With the revised tax structure, individuals earning up to Rs.12 lakhs will have no tax liability due to the increased rebate of Rs.60,000. For salaried individuals, the tax liability will be zero for incomes up to Rs.12.75 lakhs due to the Rs.75,000 standard deduction.
| Income Tax Slabs | Income Tax Rates |
| Up to Rs. 4 lakh | NIL |
| Rs. 4 lakh - Rs.8 lakh | 5% |
| Rs. 8 lakh - Rs.12 lakh | 10% |
| Rs.12 lakh - Rs.16 lakh | 15% |
| Rs.16 lakh - Rs. 20 lakh | 20% |
| Rs. 20 lakh - Rs. 24 lakh | 25% |
| Above Rs. 24 lakh | 30% |
If held for < 1 year
Tax Rate: 20% (plus surcharge & cess)
Gains up to ₹1.25 lakh per year are tax-free
Beyond ₹1.25 lakh, taxed at 12.5% (without indexation)
If held for < 3 year
Taxed as per individual’s income tax slab
If held for > 3 years
Taxed at 20% with indexation benefit
Effective tax planning is crucial for:
Legally minimize the amount of tax you owe.
Identify opportunities for deductions and credits.
Stay updated with current tax laws and avoid penalties.
Integrate tax strategies into your overall financial plan.
Have questions or ready to get started? Reach out to our team today for a free consultation. We’re here to help you make confident financial decisions.
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