12/01/2026
Your salary TDS can go wrong by ₹50k–₹1L+ simply because you didn’t “pick a regime” on time.
Old vs New isn’t tax theory—it’s monthly cashflow.
Quick rule (FY 2025-26):
✅ ≤ ₹12.75L salary → New regime = ₹0 tax (₹75k standard deduction → taxable ₹12L, 87A rebate). 
When Old starts making sense (approx. Old-only benefits needed):
• ₹15L salary → ~₹5.19L deductions/exemptions to beat New
• ₹20L salary → ~₹6.83L deductions/exemptions to beat New
What you can still claim in New:
✅ Standard deduction ₹75,000 + ✅ Employer NPS u/s 80CCD(2) (+ limited notified allowances). 
Why inform payroll early (MOST important):
If you don’t intimate, employer deducts TDS under default New regime, and later switching means either cashflow hit now or refund later. 
Which regime are you choosing this year—Old or New?
Payroll NPS SalariedEmployees PersonalFinanceIndia
