The new regime is the default now — but it isn't automatically cheaper. Run your real numbers through both regimes before assuming.
India's new tax regime offers lower slab rates but almost no exemptions. The old regime keeps HRA, 80C, 80D, and home loan interest deductions, but at higher rates. Which one wins depends entirely on your specific numbers — there's no universal answer, which is exactly why guessing costs people real money every year.
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