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Sanjeev Govila |458 Answers |Ask -Follow

Financial Planner - Answered on Feb 14, 2023

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more

Question by Arun on Feb 13, 2023Hindi

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my CTC is 36 lakhs and i take complete 80 C deduction of 1.5 lakhs, 80 D deduction of 25000 and interest on home loan of 2 lakhs , which tax regime is good for me

Ans: Ab initio it seems that the old tax remine will be better for you. Still, to be in the safer side, do check it here yourself please: https://cleartax.in/paytax/taxcalculator

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Hi, my annual CTC around 16 lakh around. I get deduction for home loan of 2 lakhs plus 1.5 lakhs 80C deduction. Which one will be good option for me now new tax regimen or the existing? Please suggest.

Ans: Person having taxable income around 16 lacs and take deduction less than 4.25 lacs from housing loan/80C/80D, can opt for new tax regime as new slab rate is likely to be beneficial as per budget proposed for FY 2023-24

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hi Sir , My CTC is 36 L . If I opt complete deduction under 80 C/D - 1.5 L Home Loan amount 1.49 L. HRA - 30,000 pm. LTA - 50k Then please advise which Tax Regime will be good for me, old or New?

Ans: Hi Vishal
Assuming that you would have tax investment of Rs. 1.50 Lakhs, Home Loan Interest of Rs. 1.49 Lakhs, HRA exemption of Rs. 3 Lakhs & you are claiming LTA exemption of Rs. 50,000 then the old tax regime may be better for you as that may reduce your tax bill by about Rs. 85,000.

If any of the above assumptions are not correct then the opinion may change accordingly

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my ctc is 25.10 lacs ,80c rs.1.50,home loan int 2.00,hra 6.00, P.F 0.72,80eea 1.50,please advise which Tax Regime will be good for me, old or New?

Ans: Person having taxable income of 25.10 lakhs and take deduction less than 4.25 lacs from housing loan/80C/80D, can opt for new tax regime as new slab rate is likely to be beneficial as per budget proposed for FY 2023-24

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Question by Hit - Feb 14, 2023Hindi

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Hi Sir Hope you are doing well. My CTC is 27 LPA, I Invest 1.5L in 80C, 50K in NPA, 85K School fees, My Age is 45 and planning to take home loan of 40L, No Other liabilities. Request to pls tell which tax regime should i go for? Thanks In Advance.

Ans: Assuming your loan of 40L with duration of 15yrs , the EMI will be 40k approx with interest component being 3.36L for the first year. The Old regime will still be beneficial in this case.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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