🎉 New Regime Default FY 2025-26  |  Zero Tax up to ₹12,75,000  |  ITR Due Date: 31 July 2026  |  File with CA Now →
Finance Act 2025 · FY 2025-26 · AY 2026-27

Income Tax Return Filing
for Salaried Individuals

Expert CA assistance · Zero tax up to ₹12,75,000 · Compare Old vs New Regime · Fast & Secure

File My ITR Now Calculate My Tax Free
₹12,75,000
Zero Tax Limit
₹60,000
87A Rebate
₹75,000
Std Deduction
31 Jul 2026
Due Date

⏰ File Your ITR for FY 2025-26 Before 31st July 2026 — Avoid ₹5,000 Penalty

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Finance Act 2025

Key Changes for FY 2025-26

What changed under the Finance Act 2025 that affects your tax this year

Zero Tax Limit (Salaried)
₹7,75,000
₹12,75,000 ↑
After Standard Deduction + 87A rebate under New Regime
Section 87A Rebate (New Regime)
₹25,000 (up to ₹7L)
₹60,000 (up to ₹12L) ↑
Effectively makes income up to ₹12,00,000 tax-free
Basic Exemption (New Regime)
₹3,00,000
₹4,00,000 ↑
Raised by ₹1 lakh under Finance Act 2025
Standard Deduction (New Regime)
₹50,000
₹75,000 ↑
Continued from FY 2024-25 budget announcement
Default Tax Regime
Optional
New Regime Default ✓
Must opt out explicitly if you prefer Old Regime
New Tax Slab (New Regime)
No slab at 25%
25% for ₹20L–₹24L ↑
New 25% slab added between 20% and 30%
Updated Tax Slabs

Old vs New Regime — FY 2025-26 (AY 2026-27)

Compare both regimes to find which saves you more tax

🟡 Old Regime — FY 2025-26
Up to ₹2,50,000Nil
₹2,50,001 – ₹5,00,0005%
₹5,00,001 – ₹10,00,00020%
Above ₹10,00,00030%
Standard Deduction: ₹50,000  |  87A Rebate: ₹12,500 (if income ≤ ₹5,00,000)  |  Deductions: 80C, 80D, HRA etc. available
🔵 New Regime — FY 2025-26 (Default)
Up to ₹4,00,000Nil
₹4,00,001 – ₹8,00,0005%
₹8,00,001 – ₹12,00,00010%
₹12,00,001 – ₹16,00,00015%
₹16,00,001 – ₹20,00,00020%
₹20,00,001 – ₹24,00,00025%
Above ₹24,00,00030%
Standard Deduction: ₹75,000  |  87A Rebate: ₹60,000 (if income ≤ ₹12,00,000)  |  Zero tax for salaried up to ₹12,75,000
Deductions & Exemptions

Maximise Your Tax Savings

Key deductions available to reduce your taxable income

🟡 Old Regime Only

  • Section 80C — ₹1,50,000
    PPF, ELSS, LIC, EPF, NSC, tuition fees
  • Section 80D — ₹25,000 + ₹25,000
    Health insurance for self + parents
  • Section 24(b) — ₹2,00,000
    Home loan interest on self-occupied property
  • HRA Exemption u/s 10(13A)
    House rent allowance for rented accommodation
  • Section 80CCD(1B) — ₹50,000
    Additional NPS contribution over 80C limit
  • Section 80G — Donations
    Donations to specified charitable institutions

🔵 New Regime Only

  • Standard Deduction — ₹75,000
    Available to all salaried employees and pensioners
  • 80C, 80D, HRA — Not available
    Investment deductions not allowed under New Regime
  • Home loan interest 24(b) — Not available
    Cannot claim home loan deduction under New Regime

Available Under BOTH Regimes

Section 80CCD(2) — Employer NPS Contribution
Up to 10% of Basic Salary is deductible even under New Regime. The most powerful tax-saving strategy for FY 2025-26. Ask your employer to restructure your salary.

Our Services

Complete ITR Filing Support

End-to-end income tax compliance for salaried individuals

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Filing for salary income, house property, capital gains and other sources

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Cross-verification of TDS and income with Form 26AS, AIS and TIS

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Regime Comparison

We calculate and apply the most tax-efficient regime before filing

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New Registration

Income tax portal registration assistance for first-time filers

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Notice Reply

Handling of 143(1), 139(9), 148 and other income tax notices

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Refund Tracking

Track your ITR processing status and refund with expert guidance

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House Property Income

Rental income, home loan interest and let-out property computation

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Capital Gains

ITR filing for equity, mutual funds, property and other capital gains

31 Jul 2026

Due Date for ITR Filing — FY 2025-26 (AY 2026-27)

Late filing fee under Section 234F: ₹5,000 (income above ₹5L) or ₹1,000 (income up to ₹5L). File early to avoid penalty, interest and last-minute portal issues.

🧮 Calculate Your Tax for FY 2025-26 — Free!

Compare Old vs New Regime instantly. Check if you qualify for zero tax. Download your personalised PDF tax computation sheet.

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FAQs

Frequently Asked Questions

What is the zero tax limit for salaried employees in FY 2025-26?+
Under the New Regime for FY 2025-26, salaried employees with gross salary up to ₹12,75,000 pay zero income tax. The Standard Deduction of ₹75,000 reduces income to ₹12,00,000, and Section 87A provides a full rebate of ₹60,000 on the remaining tax.
Which regime is better for me — Old or New?+
It depends on your deductions. If your income is up to ₹12,75,000, the New Regime gives zero tax. If you have significant HRA, 80C investments, home loan interest or NPS deductions, the Old Regime may save more. Use our free tax calculator to compare both for your exact income.
What documents are needed to file ITR for FY 2025-26?+
You need: Form 16 from employer, PAN, Aadhaar, bank statements (all accounts), rent receipts (if claiming HRA), investment proofs (80C, 80D, NPS), home loan interest certificate, and Form 26AS / AIS / TIS from the income tax portal.
What is the due date for ITR filing for FY 2025-26?+
The due date for salaried individuals for FY 2025-26 (AY 2026-27) is 31st July 2026. Late filing attracts a penalty of ₹5,000 under Section 234F (₹1,000 if income is up to ₹5 lakh). Interest under Section 234A also applies on unpaid tax.
Can I switch between Old and New Regime every year?+
Yes. Salaried employees can switch between regimes every financial year by informing their employer at the start of the year. The New Regime is now the default from FY 2025-26. You must explicitly opt for Old Regime if you want to claim deductions.
What is Section 80CCD(2) and why is it important?+
Section 80CCD(2) covers Employer NPS Contribution — up to 10% of Basic Salary. It is the only investment deduction available under both Old and New Regimes. If your employer contributes ₹60,000 to your NPS, this amount is deducted from your taxable income even under New Regime — saving significant tax at your slab rate.
Is e-verification mandatory after filing ITR?+
Yes. After filing your ITR, you must e-verify it within 30 days using Aadhaar OTP, net banking, demat account or bank account. An unverified return is treated as if it was never filed, and penalties may apply.
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