Tax planning · 2 min read
Tax saving begins with eligible deductions.
Organise your claims before you make a tax-driven investment decision.
Educational guide · Updated 19 September 2026 · FY 2025–26 / AY 2026–27
The quick answer
A payment or investment is not automatically deductible. Eligibility depends on the provision, your chosen tax regime and supporting documents.
Build a deduction inventory
- List qualifying investments, insurance payments and other claims.
- Check each claim’s limit and evidence separately.
- Avoid counting the same payment twice.
- Compare the tax result before committing money solely for a deduction.
Keep standard deduction separate
For FY 2025–26, salary standard deduction is up to ₹50,000 under the old regime and ₹75,000 under the new regime. Our calculator applies it automatically, limited to salary.
Sources & further reading
General educational information, not an individual tax opinion. Facts and filing-year rules determine your treatment; confirm current requirements before acting.
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