{"id":48182,"date":"2025-03-07T20:34:29","date_gmt":"2025-03-07T15:04:29","guid":{"rendered":"https:\/\/www.tatacapital.com\/blog\/?p=48182"},"modified":"2026-03-10T15:49:32","modified_gmt":"2026-03-10T10:19:32","slug":"income-tax-on-12-lakh-salary","status":"publish","type":"post","link":"https:\/\/www.tatacapital.com\/blog\/generic\/income-tax-on-12-lakh-salary\/","title":{"rendered":"Income tax on a 12 lakh salary: Calculation, deductions &amp; how to save"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p>Tax season is one of the most stressful times of the year for working citizens. Tax liabilities can quickly eat into your income and leave you with far less money for <a href=\"https:\/\/www.tatacapital.com\/wealth.html\">investments<\/a> than you would like.<\/p>\n\n\n\n<p>However, if you are in the 12 lakh tax slab, the <a href=\"https:\/\/www.tatacapital.com\/blog\/wealth-services\/personal-income-tax-slabs\/\">new tax regime<\/a> is cause for celebration, with some much-needed tax relief.<\/p>\n\n\n\n<p>This article will explore the updated income tax on 12 lakhs income under the new regime and help you decide which tax regime, old or new, is best for you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Income tax slab for a 12 lakh salary in Budget 2026<\/strong><\/h2>\n\n\n\n<p>The <a href=\"https:\/\/www.tatacapital.com\/blog\/wealth-services\/union-budget\/\">Union Budget for the fiscal year 2026-27<\/a> continues to keep the following guidelines announced in the previous budget:<\/p>\n\n\n\n<ol start=\"1\">\n<li>No income tax on a 12 lakh salary or less due to increased rebate up to Rs. 60,000.<\/li>\n\n\n\n<li>Tax slab rates for the fiscal year 2026-27 under the new tax regime:<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Total income in rupees<\/td><td>Rate of tax<\/td><\/tr><tr><td>Up to 4 lakh<\/td><td>0%<\/td><\/tr><tr><td>4 to 8 lakh<\/td><td>5%<\/td><\/tr><tr><td>8 to 12 lakh<\/td><td>10%<\/td><\/tr><tr><td>12 to 16 lakh<\/td><td>15%<\/td><\/tr><tr><td>16 to 20 lakh<\/td><td>20%<\/td><\/tr><tr><td>20 to 24 lakh<\/td><td>25%<\/td><\/tr><tr><td>Over 24 lakh<\/td><td>30%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Old vs new regime: Income tax on a 12 lakh salary<\/strong><\/h2>\n\n\n\n<p>The tax revisions introduced in the new tax regime significantly decrease tax burdens for individuals with income up to Rs. 12 lakh, allowing them to enjoy zero income tax due to the increased rebate.<\/p>\n\n\n\n<p>Rates for income tax on Rs. 12 lakh to 24 lakh have also been lowered.<\/p>\n\n\n\n<p>The following table illustrates the differences in income tax slabs between the <a href=\"https:\/\/www.tatacapital.com\/blog\/generic\/income-tax-slab-fy-2025-26\/\">old and new tax regimes<\/a>:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Total income in rupees<\/td><td>Tax rate in the old regime<\/td><td>Tax rate in the new regime (2026)<\/td><\/tr><tr><td>Up to Rs. 2.5 lakh<\/td><td>0%<\/td><td>0%<\/td><\/tr><tr><td>Rs. 2.5 lakh \u2013 Rs. 4 lakh<\/td><td>5%<\/td><td>0%<\/td><\/tr><tr><td>Rs. 4 lakh \u2013 Rs. 8 lakh<\/td><td>5%<\/td><td>5%<\/td><\/tr><tr><td>Rs. 8 lakh \u2013 Rs. 12 lakh<\/td><td>20%<\/td><td>10%<\/td><\/tr><tr><td>Rs. 12 lakh \u2013 Rs. 16 lakh<\/td><td>30%<\/td><td>15%<\/td><\/tr><tr><td>Rs. 16 lakh \u2013 Rs. 20 lakh<\/td><td>30%<\/td><td>20%<\/td><\/tr><tr><td>Rs. 20 lakh \u2013 Rs. 24 lakh<\/td><td>30%<\/td><td>25%<\/td><\/tr><tr><td>Over Rs. 24 lakh<\/td><td>30%<\/td><td>30%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>While the new tax regime has introduced financial relief for citizens, taxpayers still have the option to choose the old tax regime if they prefer the benefits particular to that regime instead.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Tax deductions &amp; exemptions: Old vs new regime<\/strong><\/h2>\n\n\n\n<p>The new tax regime offers limited deductions in comparison to the old regime:<\/p>\n\n\n\n<ol start=\"1\">\n<li>Tax exemptions, such as House Rent Allowance (HRA) and Leave Travel Allowance (LTA), are no longer available.<\/li>\n\n\n\n<li>Deductions under Section 80C, such as <a href=\"https:\/\/www.tatacapital.com\/insurance\/life-insurance.html\">life insurance<\/a> and PF contributions, have been removed.<\/li>\n\n\n\n<li>Exemptions for transport and medical allowances are also unavailable.<\/li>\n<\/ol>\n\n\n\n<p>However, there are still valuable savings opportunities provided by the new regime, including:<\/p>\n\n\n\n<ol start=\"1\">\n<li>Rs. 75,000 flat deductions for salaried and pensioned individuals.<\/li>\n\n\n\n<li>Deductions under Section 80CCD (2) include the employer\u2019s contribution to the National Pension Scheme.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Income tax calculation on 12 lakh salary: Detailed example (Old &amp; new regime)<\/strong><\/h2>\n\n\n\n<p>The following example will help you understand how to calculate tax for a 12 LPA salary under both the old and new regimes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u25cf\u00a0\u00a0\u00a0\u00a0\u00a0 New tax regime<\/strong><\/h3>\n\n\n\n<ul>\n<li>Gross salary: Rs. 12,00,000<ul><li>Standard deduction: Rs. 75,000<\/li><\/ul>\n<ul>\n<li>Taxable income: Rs. 11,25,000<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>The income tax slab rates applied to calculate total taxes payable are as follows:<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Slab<\/td><td>Tax rate<\/td><td>Tax amount (Rs.)<\/td><\/tr><tr><td>0 &#8211; 4,00,000<\/td><td>Nil<\/td><td>0<\/td><\/tr><tr><td>4,00,001 &#8211; 8,00,000<\/td><td>5%<\/td><td>20,000<\/td><\/tr><tr><td>8,00,001 &#8211; 11,25,000<\/td><td>10%<\/td><td>32,500<\/td><\/tr><tr><td>Total tax before rebate<\/td><td>&nbsp;<\/td><td>52,500<\/td><\/tr><tr><td>Section 87A rebate<\/td><td>&nbsp;<\/td><td>(52,500)<\/td><\/tr><tr><td>Total tax payable<\/td><td>&nbsp;<\/td><td>0<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>The new tax regime allows a rebate of Rs. 60,000 under Section 87A. As a result, the total tax on 12 lakh income is zero.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u25cf\u00a0\u00a0\u00a0\u00a0\u00a0 Old tax regime<\/strong><\/h3>\n\n\n\n<ul>\n<li>Gross salary: Rs. 12,00,000<ul><li>Standard deduction: Rs. 50,000<\/li><\/ul><ul><li>Section 80C (PPF\/ELSS\/EPF): Rs. 1,50,000<\/li><\/ul><ul><li>Section 80D (Health insurance): Rs. 50,000<\/li><\/ul><ul><li>Section 80CCD (1B) NPS: Rs. 50,000<\/li><\/ul><ul><li>Home loan interest (Section 24): Rs. 95,000<\/li><\/ul><ul><li>Total deductions: Rs. 3,95,000<\/li><\/ul>\n<ul>\n<li>Taxable income: Rs. 8,05,000<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Slab<\/td><td>Tax rate<\/td><td>Tax amount (Rs.)<\/td><\/tr><tr><td>0 &#8211; 2,50,000<\/td><td>Nil<\/td><td>0<\/td><\/tr><tr><td>2,50,001 &#8211; 5,00,000<\/td><td>5%<\/td><td>12,500<\/td><\/tr><tr><td>5,00,001 &#8211; 8,05,000<\/td><td>20%<\/td><td>61,000<\/td><\/tr><tr><td>Total tax<\/td><td>&nbsp;<\/td><td>73,500<\/td><\/tr><tr><td>4% cess<\/td><td>&nbsp;<\/td><td>2,940<\/td><\/tr><tr><td>Total tax payable<\/td><td>&nbsp;<\/td><td>76,440<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>The tax on a 12 lakh salary will always be higher under the old regime, even if you have high deductions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How to save tax for a salary above 12 lakhs: Investment &amp; exemption strategies<\/strong><\/h2>\n\n\n\n<p>If your salary is above Rs. 12 lakh, you can legally reduce your tax burden with proper tax planning. The right strategy depends on whether you choose the old or the new tax regime. Several deductions and exemptions are permitted under the old regime, while lower tax rates with limited deductions apply to the new regime. You must compare both regimes carefully before deciding.<\/p>\n\n\n\n<p>Here\u2019s how to save tax for a 12 lakh income under both regimes through investment and exemption strategies:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Under the new tax regime:<\/strong><\/h3>\n\n\n\n<ul>\n<li>Standard deduction: Rs. 75,000 (for salaried individuals)<\/li>\n\n\n\n<li>Employer\u2019s NPS contribution (Section 80CCD(2)): Up to 10% of salary (14% for government employees)<\/li>\n\n\n\n<li>Family pension deduction: Lower of Rs. 15,000 or 1\/3 of pension<\/li>\n\n\n\n<li>Gratuity and leave encashment: Exempt up to prescribed government limits<\/li>\n<\/ul>\n\n\n\n<p>Please note: 80C, 80D, HRA, LTA, and home loan interest on self-occupied property are not allowed in this regime.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Under the old tax regime:<\/strong><\/h3>\n\n\n\n<ul>\n<li>Standard deduction: Rs. 50,000<\/li>\n\n\n\n<li>Section 80C: Up to Rs. 1,50,000 (PPF, EPF, ELSS, life insurance, principal repayment of home loan)<\/li>\n\n\n\n<li>Section 80CCD(1B) NPS: Additional Rs. 50,000<\/li>\n\n\n\n<li>Section 80D: Rs. 25,000 (self\/family) + Rs. 50,000 (senior citizen parents)<\/li>\n\n\n\n<li>Home Loan Interest (Section 24): Up to Rs. 2,00,000<\/li>\n\n\n\n<li>HRA &amp; LTA: As per the salary structure and actual expenses<\/li>\n\n\n\n<li>Education loan interest (Section 80E): Full interest amount (no limit)<\/li>\n<\/ul>\n\n\n\n<p>You must choose the regime that gives you a lower overall tax.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Step-by-step: Which regime gives less tax for a 12 lakh income?<\/strong><\/h2>\n\n\n\n<p>Every taxpayer wants to choose the regime that helps in saving taxes. Generally, you must compare the tax calculation under the new and old regimes before deciding. However, if your annual income is Rs. 12 lakh, the new regime is the right choice. It reduces your tax liability to zero. The new regime has lower tax rates and a higher Section 87A rebate. In comparison, the old regime allows you to claim various deductions from your total income. However, it still does not let you make your tax burden zero on a 12 lakh income.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Which tax regime is better for a 12 lakh salary?<\/strong><\/h2>\n\n\n\n<p>Which tax regime you should opt for will depend on the tax deductions available to you. If you are eligible for several tax deductions and exemptions, then the old tax regime will be optimal for you.<\/p>\n\n\n\n<p>However, if you cannot claim significant deductions, the lower tax rates provided by the new tax regime will be more beneficial for you.<\/p>\n\n\n\n<p>For an annual income of Rs. 12 lakh, consider the following factors:<\/p>\n\n\n\n<ol start=\"1\">\n<li>Salary income of Rs. 12 lakh: Choose the old regime if your tax-saving investments are over Rs. 30,000. Otherwise, go for the new regime.<\/li>\n\n\n\n<li>Non-salary income of Rs. 12 lakh: Opt for the new regime if your tax-saving investments are less than Rs. 3,12,500. Otherwise, the old regime may be more beneficial for you.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Wrapping Up<\/strong><\/h2>\n\n\n\n<p>The new tax regime of 2026 offers much-needed tax relief for the common citizen. However, you may still find value in the old regime. Careful tax planning can help you maximize tax exemptions and boost your savings. Check out the Tata Capital blog to learn how to avail exemptions for tax on 12 lakh income.<\/p>\n\n\n\n<p>Save money on your taxable income and achieve your homeownership goals with Tata Capital\u2019s flexible <a href=\"https:\/\/www.tatacapital.com\/home-loan.html\">home loan<\/a> at attractive interest rates.<\/p>\n\n\n\n<p>To learn more, check the <a href=\"https:\/\/www.tatacapital.com\/\">Tata Capital<\/a> website or download the app.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tax season is one of the most stressful times of the year for working citizens. Tax liabilities can quickly eat into your income and leave you with far less money for investments than you would like. However, if you are in the 12 lakh tax slab, the new tax regime is cause for celebration, with [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":48183,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[74],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Income tax on 12 lakh salary: Slabs &amp; tax savings<\/title>\n<meta name=\"description\" content=\"Know the income tax on a Rs. 12 lakh salary. 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