{"id":2838,"date":"2025-11-27T16:13:52","date_gmt":"2025-11-27T10:43:52","guid":{"rendered":"https:\/\/www.caclubindia.com\/guide\/?p=2838"},"modified":"2025-11-27T16:17:25","modified_gmt":"2025-11-27T10:47:25","slug":"how-to-save-tax-up-to-12-lakh-under-old-tax-regime","status":"publish","type":"post","link":"https:\/\/www.caclubindia.com\/guide\/how-to-save-tax-up-to-12-lakh-under-old-tax-regime\/","title":{"rendered":"Zero Tax on \u20b912 Lakh Income under Old Tax Regime: Secrets Revealed"},"content":{"rendered":"\n<p>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 \u20b912 lakh income by utilizing these deductions and planning effectively. This means even if you do not opt for the New Tax Regime, you can legally pay zero tax on income up to \u20b912 lakh.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\r\n<div class=\"ez-toc-title-container\">\r\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\r\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\r\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.caclubindia.com\/guide\/how-to-save-tax-up-to-12-lakh-under-old-tax-regime\/#Deductions_Included\" >Deductions Included<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.caclubindia.com\/guide\/how-to-save-tax-up-to-12-lakh-under-old-tax-regime\/#Standard_Deduction_%E2%80%93_%E2%82%B950000\" >Standard Deduction \u2013 \u20b950,000<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.caclubindia.com\/guide\/how-to-save-tax-up-to-12-lakh-under-old-tax-regime\/#Section_80C_%E2%80%93_Up_to_%E2%82%B9150000\" >Section 80C \u2013 Up to \u20b91,50,000<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.caclubindia.com\/guide\/how-to-save-tax-up-to-12-lakh-under-old-tax-regime\/#Section_80D_%E2%80%93_Medical_Insurance_and_Health_Expenditure\" >Section 80D &#8211; Medical Insurance and Health Expenditure<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.caclubindia.com\/guide\/how-to-save-tax-up-to-12-lakh-under-old-tax-regime\/#Home_Loan_Interest_%E2%80%93_Section_24b_%E2%80%93_Up_to_%E2%82%B9200000\" >Home Loan Interest \u2013 Section 24(b) \u2013 Up to \u20b92,00,000<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.caclubindia.com\/guide\/how-to-save-tax-up-to-12-lakh-under-old-tax-regime\/#HRA_Exemption_up_to_%E2%82%B9200000\" >HRA Exemption up to \u20b92,00,000<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.caclubindia.com\/guide\/how-to-save-tax-up-to-12-lakh-under-old-tax-regime\/#NPS_Additional_Deduction_%E2%80%93_80CCD1B_%E2%80%93_%E2%82%B950000\" >NPS Additional Deduction \u2013 80CCD(1B) \u2013 \u20b950,000<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.caclubindia.com\/guide\/how-to-save-tax-up-to-12-lakh-under-old-tax-regime\/#Savings_Account_Interest\" >Savings Account Interest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.caclubindia.com\/guide\/how-to-save-tax-up-to-12-lakh-under-old-tax-regime\/#Section_80G_%E2%80%93_Donations\" >Section 80G \u2013 Donations<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.caclubindia.com\/guide\/how-to-save-tax-up-to-12-lakh-under-old-tax-regime\/#For_Example\" >For Example<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.caclubindia.com\/guide\/how-to-save-tax-up-to-12-lakh-under-old-tax-regime\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Deductions_Included\"><\/span>Deductions Included<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Standard_Deduction_%E2%80%93_%E2%82%B950000\"><\/span>Standard Deduction \u2013 \u20b950,000<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Applicable for all salaried persons and pensioner. No proof required to claim this deduction as it automatically deducted from their taxable income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Section_80C_%E2%80%93_Up_to_%E2%82%B9150000\"><\/span>Section 80C \u2013 Up to \u20b91,50,000<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Eligible investments for individuals and HUF include &#8211; Employee Provident Fund (EPF), Public Provident Fund (PPF), Recognized Provident Fund, Statutory Provident Fund, Employee contribution to National Pension Scheme (employee contribution under 80CCD(1) included here), Self employed contribution to NPS (20% of GTI), Life Insurance Premiums, home loan principal repayment, fixed deposits (minimum 5 years), National Savings Certificate (NSC), Sukanya Samriddhi Yojana, senior citizen savings schemes, ULIP premium for self\/spouse\/children, Tution fees for upto 2 children allowed, ELSS mutual funds (3 year lock in).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Section_80D_%E2%80%93_Medical_Insurance_and_Health_Expenditure\"><\/span>Section 80D &#8211; Medical Insurance and Health Expenditure<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"630\" src=\"https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/11\/Section-80D-Health-Insurance-900x630.png\" alt=\"\" class=\"wp-image-2839\" srcset=\"https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/11\/Section-80D-Health-Insurance-900x630.png 900w, https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/11\/Section-80D-Health-Insurance-300x210.png 300w, https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/11\/Section-80D-Health-Insurance-768x538.png 768w, https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2025\/11\/Section-80D-Health-Insurance.png 1000w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Home_Loan_Interest_%E2%80%93_Section_24b_%E2%80%93_Up_to_%E2%82%B9200000\"><\/span>Home Loan Interest \u2013 Section 24(b) \u2013 Up to \u20b92,00,000<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Up to \u20b92,00,000 interest paid for a self-occupied property is deductible<\/li>\n\n\n\n<li>If house under construction earlier, pre-construction interest allowed for 5 years<\/li>\n\n\n\n<li>If joint owners and pay EMI then both can claim \u20b92 lakh separately.<\/li>\n<\/ul>\n\n\n\n<p><strong>Note: <\/strong>if construction delays, deduction can reduced to \u20b930,000.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"HRA_Exemption_up_to_%E2%82%B9200000\"><\/span>HRA Exemption up to \u20b92,00,000<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Salaried individuals receiving HRA can claim exemption up to \u20b92 lakh based on rent paid and salary.<\/li>\n\n\n\n<li>Conditions include &#8211; you must have rent receipts, rental agreement, landlord\u2019s PAN if rent exceeds \u20b950,000 per month, and HRA must be part of salary.<\/li>\n\n\n\n<li>Exemption depends on whether the city is metro (50% of salary exempt) or non-metro (40% exempt).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"NPS_Additional_Deduction_%E2%80%93_80CCD1B_%E2%80%93_%E2%82%B950000\"><\/span>NPS Additional Deduction \u2013 80CCD(1B) \u2013 \u20b950,000<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You can get extra \u20b950,000 over and above 80C. This additional is very useful for reducing taxable income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Savings_Account_Interest\"><\/span>Savings Account Interest<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For non-senior citizens \u2192 80TTA allows: \u20b910,000<\/li>\n\n\n\n<li>For senior citizens \u2192 80TTB allows \u20b950,000.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Section_80G_%E2%80%93_Donations\"><\/span>Section 80G \u2013 Donations<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Donation to approved institutions gives:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>100% deduction for some institutions<\/li>\n\n\n\n<li>50% deduction depending on the organizations.<\/li>\n<\/ul>\n\n\n\n<p><strong>Note<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Donation must be through banking mode.<\/li>\n\n\n\n<li>Cash allowed only up to \u20b92,000.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"For_Example\"><\/span>For Example<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Let\u2019s assume your gross income = \u20b912,00,000.<\/p>\n\n\n\n<p>Now subtract all deductions:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table class=\"has-fixed-layout\"><tbody><tr><td>Standard Deduction<\/td><td>\u20b950,000<\/td><\/tr><tr><td>80C Deduction<\/td><td>\u20b91,50,000<\/td><\/tr><tr><td>80D (normal person with non-senior parents)<\/td><td>\u20b950,000<\/td><\/tr><tr><td>Home Loan Interest (24b)<\/td><td>\u20b92,00,000<\/td><\/tr><tr><td>HRA Exemption<\/td><td>\u20b92,00,000<\/td><\/tr><tr><td>NPS \u2013 Additional (80CCD(1B))<\/td><td>\u20b950,000<\/td><\/tr><tr><td>80TTA Savings Interest<\/td><td>\u20b910,000<\/td><\/tr><tr><td>80G Donation<\/td><td>\u20b950,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Here,<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table class=\"has-fixed-layout\"><tbody><tr><td>Gross Income<\/td><td>\u20b912,00,000<\/td><\/tr><tr><td>Less: Deduction<\/td><td> \u20b97,60,000<\/td><\/tr><tr><td><strong>Taxable Income becomes<\/strong><\/td><td><strong>\u20b94,40,000<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p> Since, taxable income is below \u20b95,00,000 you will get &#8211; 100% rebate u\/s 87A on tax.<\/p>\n\n\n\n<p>Final tax payable = \u20b90<\/p>\n\n\n\n<p>With these combined deductions you can reduce taxable income significantly and benefit from zero tax payout up to \u20b912 lakh income under the Old Tax Regime legally.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1764237871096\"><strong class=\"schema-faq-question\">How to decide whether to opt for Old Regime or New Regime?<\/strong> <p class=\"schema-faq-answer\">It totally depends on your deductions and exemptions \u2014 if you have significant deductions such as home loan interest, HRA, 80C, 80D, etc. then <strong><a href=\"https:\/\/www.caclubindia.com\/guide\/old-tax-regime-slabs\/\">Old Tax Regime<\/a><\/strong> may be better. Otherwise, New Regime\u2019s simpler slabs may suit you.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1764237886196\"><strong class=\"schema-faq-question\">If I want to choose Old Tax Regime how do I switch?<\/strong> <p class=\"schema-faq-answer\">To opt for Old Regime, salaried employees can switch annually; those with business or professional income must file the relevant form <strong><a href=\"https:\/\/www.caclubindia.com\/guide\/form-10iea\/\">Form 10-IEA<\/a><\/strong> before ITR filing deadline.<\/p> <\/div> <\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Under Old Tax Regime, the government allows many deductions (80C, 80D, home loan interest, HRA etc.) to reduce taxable income. [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2840,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[4],"tags":[],"class_list":["post-2838","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-income-tax"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Zero Tax on \u20b912 Lakh Income under Old Tax Regime: Secrets Revealed - Tax Guide<\/title>\r\n<meta name=\"description\" content=\"Check out how to pay zero income tax on \u20b912 lakh income with deductions and rebates under the Old Tax Regime.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" 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