Section 80 Tax Planning
Use the deductions that actually lower your tax — and check whether the old regime is still worth it
- 1CompareBoth regimes with your numbers.
- 2PlanOnly deductions that help you.
- 3ActDeclarations and proofs ready for payroll.
Share your details. We’ll reply on WhatsApp with the next steps and a checklist.
Pick a plan — the fee is adjusted if you hire us within 30 days.
About Section 80 Tax Planning
A clear overview, in simple terms — what it is, why it matters, and how we handle it.
Deductions such as 80C (₹1.5 lakh), 80D (health insurance), 80CCD(1B) (extra ₹50,000 for NPS) and home-loan interest (₹2 lakh) only help in the old regime. In the new regime, almost the only deductions are the ₹75,000 standard deduction and employer NPS contributions under 80CCD(2) (up to 14% of salary). The right plan starts with which regime saves more.
Many people buy insurance or ELSS in March for a deduction they can't use because the new regime is better for them. Others stay in the new regime when their HRA, home-loan interest and 80C together would save more under the old one.
We compute both regimes with your actual salary and expenses, then plan only the investments that make sense for you, and suggest salary changes worth asking your employer for — employer NPS contributions, for example, still reduce tax in the new regime.
Under the Income-tax Act, 2025 the section numbers change from tax year 2026-27, but the deductions themselves largely carry over.
| 80C | ₹1.5 lakh — PF, PPF, ELSS, life insurance, principal repayment, tuition (old regime) |
|---|---|
| 80D | ₹25,000 (₹50,000 for seniors) health insurance, plus parents (old regime) |
| 80CCD(1B) | Extra ₹50,000 for own NPS contribution (old regime) |
| 80CCD(2) | Employer NPS up to 14% of salary — allowed in the new regime |
| Home-loan interest | Up to ₹2 lakh for a self-occupied house (old regime) |
Who this is for
Common scenarios where this service is a good fit.
- Salaried employees choosing a regime
- Anyone investing in March just for tax
- Home-loan borrowers
- Employees whose employer offers NPS
What you get
Clear deliverables so you know exactly what's included.
- Regime comparison
- Deduction plan for the year
- Salary-structure suggestions
- Proof checklist for your employer
Expert review before every submission — not just data entry.
Working notes and reconciliations you can rely on in future notices.
Resident Indians, NRIs, expats and cross-border businesses — all served.
Documents required
A practical checklist. We'll tell you if anything else is needed based on your case.
* This is a base checklist. After a quick pre-check, we may ask for additional items specific to your case.
Process
A simple, trackable workflow — designed to avoid back-and-forth.
Both regimes with your numbers.
Only deductions that help you.
Declarations and proofs ready for payroll.
Get a quote
We share a clear quote on WhatsApp after a quick checklist pre-check.
- Fixed fee per year; free with our ITR filing when booked before March.
| Factor | DIY | Indus Tax |
|---|---|---|
| Expert review | ❌ | ✅ |
| Notice risk reduction | ❌ | ✅ |
| Deduction optimisation | ❌ | ✅ |
| Audit-ready records | ❌ | ✅ |
| AIS/26AS reconciliation | ❌ | ✅ |
Share your facts and deadline. We'll reply with the right checklist and a clear quote.
Fee adjusted against our service fee if you go ahead within 30 days.
- Priority CA Call-backSkip the queue — a CA calls you within 30 minutes.₹255
- RecommendedCA Consultation (30 min)Talk one matter through properly with a CA.₹755
- In-depth CA Review (60 min)Documents reviewed before the call, written action plan after.₹1,155
Call-backs run Mon–Sat, 9 AM–6 PM IST. Booked outside these hours? We call you first thing the next working morning.
Compare the 3 plansFrequently asked questions
Answers to the most common questions we get.
This page also covers
- Regime choice
- Old vs new regime computed every year.
Official sources
Indus Tax is a private professional services firm and is not affiliated with any government authority. Rules and fees change — we confirm current positions before filing.
