Zero Tax on ₹12 Lakh Income under Old Tax Regime: Secrets Revealed

Mitali | Last updated: 27 December 2025

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The Old Tax Regime allows individuals to legally pay zero tax on an income of up to ₹12 lakh by strategically utilizing various deductions and exemptions. Key deductions include the standard deduction, Section 80C investments, Section 80D for health insurance, home loan interest under Section 24(b), HRA exemption, and additional NPS contributions. By combining these, your taxable income can be significantly reduced, potentially leading to a 100% rebate under Section 87A.

Under Old Tax Regime, the government allows many deductions (80C, 80D, home loan interest, HRA etc.) to reduce taxable income. In this Regime, taxpayers can avail tax exemptions up to ₹12 lakh income by utilizing these deductions and planning effectively. This means even if you do not opt for the N

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About the Author

Mitali

Finance Professional

I write about Income Tax, GST, TDS, RBI updates, government schemes, and personal finance in India. My focus is on simplifying complex tax and compliance topics into easy-to-understand guides that help readers stay updated with the latest financial rules, investment options, and regulatory changes.

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