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Tax Planning | Home Loan
You Have a Home Loan. You Switched to the New Tax Regime. Was That a Mistake?
The new tax regime removed the Rs 2 lakh home loan interest deduction. But whether that actually costs you money depends on one number. We run the calculation across three salary scenarios. One of them will surprise you.
Scenario 1
₹ 10L CTC
New Regime Wins
₹ 33,800 / yr
Self-occupied, no HRA
Scenario 2
₹ 15L CTC
Old Regime Wins
₹ 9,620 / yr
HRA + home loan combo
Scenario 3
₹ 25L CTC
New Regime Wins
₹ 51,480 / yr
HRA + home loan combo

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