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Vivek Lala |317 Answers |Ask -Follow

Tax, MF Expert - Answered on Mar 16, 2023

Vivek Lala has been working as a tax planner since 2018. His expertise lies in making personalised tax budgets and tax forecasts for individuals. As a tax advisor, he takes pride in simplifying tax complications for his clients using simple, easy-to-understand language.
Lala cleared his chartered accountancy exam in 2018 and completed his articleship with Chaturvedi and Shah. ... more

Asked by Anonymous - Mar 10, 2023Hindi

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I have 36.5L as salary income, i also have 1.5 lakhs on 80c insurance .Can you please help to distinguish which regime is better to opt going forward.

Ans: new tax regime

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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For an annual income of 30 lakhs and with 80C deduction of 1.5 lakhs PPF and nothing much on other deductions. Which regime would be better?

Ans: For person earning income of 30 lakhs and deduction of PPF of 1.5 lacs, tax liability under old regime will be Rs.667500 and under new tax regime it will be Rs.600000 as per Budget proposal for FY 23-24. So new tax regime more beneficial as all tax benefits are not taken.

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Question by Vijay - Feb 05, 2023Hindi

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I have 36L as salary income, i also have 1.5 lakhs on 80c insurance and vpf additional of 50k.Can you please help to distinguish which regime is better to opt going forward.

Ans: New regime is better

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Question by SUBRAHMANYAM - Feb 08, 2023Hindi

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Hi, my annual income of 9 lakhs which regime is better to opt. I am also paying housing loan of 1.8 lacs per year. Please let me know

Ans: Person having taxable income of 9 lakhs and housing loan repayment of 1.8 lacs, 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 Bharat - Mar 30, 2023Hindi

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My income is 15,00,000/- per annum. Which regime is better for me.

Ans: Hi Bharat
You could check the comparison using the following link

https://incometaxindia.gov.in/Pages/tools/115bac-tax-calculator-finance-bill-2023.aspx

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Asked by Anonymous - Apr 10, 2023Hindi

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Salary is Rs 28,50,000. Investments would be : Contribution to 80C - Rs 1.5L, NPS-50K, HR Paid - 5.7L per year, 80D Medical : Insurance Premium for self and spouse : Rs 19108 and for parents : Rs 50K. Which regime should be better to select : Old or New?

Ans: In the absence of salary structure, it is not possible to claim HRA exemption. You can calculate the same at https://incometaxindia.gov.in/Pages/tools/house-rent-allowance-calculator.aspx

Considering income and quantum of deductions, old regime is likely to be beneficial and after calculation of HRA exemption, you can check the same at https://eportal.incometax.gov.in/iec/foservices/#/TaxCalc/calculator

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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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