Tax on ₹30 Lakh Salary: New vs Old Tax Regime (FY 2025-26)
Earning ₹30 Lakhs (30 LPA) places you in the high-income bracket where tax planning becomes critical. Under the New Tax Regime (FY 2025-26), roughly 50% of your income falls into the 30% slab, yet the streamlined structure often results in lower tax outflow compared to the Old Regime.
For a ₹30 Lakh salary, the New Tax Regime is generally the winner. Your total tax will be approx ₹5,90,200.
Check Your Specific Case:
Includes 80C, 80D, HRA, Home Loan Interest etc.
New Regime saves you ₹1,35,200 🎉
Monthly In-Hand Breakdown
| Component | New Regime | Old Regime |
|---|---|---|
| Gross Salary | ₹2,50,000 | ₹2,50,000 |
| Less: PF (Statutory Cap) | - ₹1,800 | - ₹1,800 |
| Less: Prof Tax | - ₹200 | - ₹200 |
| Less: TDS | - ₹49,183 | - ₹60,450 |
| In-Hand Salary | ₹1,98,817 | ₹1,87,550 |
*PF is calculated at the statutory cap of ₹1,800/month (₹21,600/year).
Where Does Your ₹30,00,000 Go?
Disposable income.
New Regime Tax.
Compulsory savings (Capped).
Tax Calculation (New Regime)
Taxable Income: ₹30,00,000 - ₹75,000 = ₹29,25,000.
| Slab | Rate | Tax |
|---|---|---|
| 0 - 3L | Nil | 0 |
| 3L - 7L | 5% | ₹20,000 |
| 7L - 10L | 10% | ₹30,000 |
| 10L - 12L | 15% | ₹30,000 |
| 12L - 15L | 20% | ₹60,000 |
| 15L - 29.25L | 30% | ₹4,27,500 |
| Total + Cess(4%) | - | ₹5,90,200 |
The Break-Even Point
To benefit from the Old Regime, you need to claim total deductions greater than:
₹5,00,000
Since 80C is capped at ₹1.5L, you would need substantial HRA or Home Loan Interest claims (approx ₹3.5 Lakhs) to bridge this gap.
Conclusion
For a ₹30 Lakh salary, the New Tax Regime remains the default winner. It keeps your tax liability under ₹6 Lakhs and maximizes your monthly cash flow.
Fincado Research Team
Fact CheckedOur analysis is built on deep-dive research into RBI Benchmarks and lender-specific disclosures. We verify every interest rate and fee structure against real-world borrower approvals to ensure the highest level of accuracy for Indian home buyers.
Calculations are based on income tax slabs for FY 2025-26 applicable to resident individuals below 60 years.