Tax-saving is not just a financial strategy; it’s a necessity for every salaried individual. With the latest updates in income tax laws and digital filing systems, understanding how to reduce your tax liability has become easier — especially when you have the right guidance.
At FilingPool, recognized as the Best ITR Filing Service Provider in Delhi, we help salaried individuals navigate the complex world of taxation with ease. Whether you’re a first-time filer or a seasoned professional, we at FilingPool will help you how to legally save taxes and file your Income Tax Return (ITR) in Delhi with confidence.
Understand the Income Tax Regimes
The Indian tax system currently offers two distinct regimes: the Old Tax Regime and the New Tax Regime. Understanding their fundamental differences is the first and most critical step in your tax planning for salaried individuals. As of 2025, there are two tax regimes:
-
Old Regime (With Deductions):
- Lets you claim deductions under sections like 80C, 80D, HRA, LTA, etc.
- Suitable if you have housing loans, insurance, or investments
-
New Regime (Lower Rates, No Deductions):
- Offers reduced slab rates
- Best if you have fewer deductions
Tip: Choose the regime that results in the lowest tax outgo. FilingPool can help you compare both before filing your ITR for a salary person in Delhi.
| Old Tax Regime | New Tax Regime u/s 115BAC | ||||
| Income Tax Slab | Income Tax Rate | *Surcharge | Income Tax Slab | Income Tax Rate | *Surcharge |
| Up to ₹ 2,50,000 | Nil | Nil | Up to ₹ 3,00,000 | Nil | Nil |
| ₹ 2,50,001 – ₹ 5,00,000** | 5% above ₹ 2,50,000 | Nil | ₹ 3,00,001 – ₹ 7,00,000** | 5% above ₹ 3,00,000 | Nil |
| ₹ 5,00,001 – ₹ 10,00,000 | ₹ 12,500 + 20% above ₹ 5,00,000 | Nil | ₹ 7,00,001 – ₹ 10,00,000 | ₹ 20,000 + 10% above ₹ 7,00,000 | Nil |
| ₹ 10,00,001- ₹ 50,00,000 | ₹ 1,12,500 + 30% above ₹ 10,00,000 | Nil | ₹ 10,00,001 – ₹ 12,00,000 | ₹ 50,000 + 15% above ₹ 10,00,000 | Nil |
| ₹ 50,00,001- ₹ 100,00,000 | ₹ 1,12,500 + 30% above ₹ 10,00,000 | 10% | ₹ 12,00,001 – ₹ 15,00,000 | ₹ 80,000 + 20% above ₹ 12,00,000 | Nil |
| ₹ 100,00,001- ₹ 200,00,000 | ₹ 1,12,500 + 30% above ₹ 10,00,000 | 15% | ₹ 15,00,001- ₹ 50,00,000 | ₹ 1,40,000 + 30% above ₹ 15,00,000 | Nil |
| ₹ 200,00,001- ₹ 500,00,000 | ₹ 1,12,500 + 30% above ₹ 10,00,000 | 25% | ₹ 50,00,001- ₹ 100,00,000 | ₹ 1,40,000 + 30% above ₹ 15,00,000 | 10% |
| Above ₹ 500,00,000 | ₹ 1,12,500 + 30% above ₹ 10,00,000 | 37% | ₹ 100,00,001- ₹ 200,00,000 | ₹ 1,40,000 + 30% above ₹ 15,00,000 | 15% |
| Above ₹ ₹ 200,00,001 | ₹ 1,40,000 + 30% above ₹ 15,00,000 | 25% | |||
Latest Updates & Amendments (AY 2025-26)
- Standard Deduction under new regime now allowed (for salaried individuals and pensioners)
- New tax slabs under the new regime (0–3L: Nil, 3–6L: 5%, 6–9L: 10%, 9–12L: 15%, 12–15L: 20%, above 15L: 30%)
- Higher rebate limit under Section 87A up to ₹7,00,000 of taxable income
- Pre-filled ITR forms now available for quicker, more accurate filing
Key Tax-Saving Deductions Salaried People Can Use
✔️ Section 80C (Max ₹1.5 Lakhs)
- EPF (Employee Provident Fund)
- PPF (Public Provident Fund)
- ELSS (Tax-saving mutual funds)
- Life Insurance premiums
- Principal repayment on home loan
✔️ Section 80D
- Medical insurance for self and family (up to ₹25,000)
- For senior citizen parents, additional ₹50,000 available
✔️ House Rent Allowance (HRA)
- If you live in a rented house, this can significantly reduce taxable income
✔️ Standard Deduction
- ₹50,000 flat deduction for all salaried employees
✔️ Section 24(b)
- Interest on home loan up to ₹2 lakhs can be claimed under old regime
Additional Smart Tips for Tax Saving
- Opt for National Pension Scheme (NPS) under Section 80CCD(1B) for extra ₹50,000 deduction
- Donate to charities (approved institutions under 80G)
- Claim professional tax, if applicable
- Reimbursements: Claim tax-free reimbursements like phone/internet, travel allowance, etc.
Why Choose FilingPool for ITR Filing in Delhi?
At FilingPool, we specialize in Income Tax Return Filing in Delhi for salaried individuals. Here’s why we’re trusted as the best CA firm in Delhi for ITR filing:
- Expert comparison of old vs. new tax regimes
- Accurate claim of all eligible deductions
- Timely ITR filing and digital verification
- End-to-end support by experienced tax consultants
- Affordable packages with no hidden costs
We help you not just file your taxes, but save money while staying 100% compliant.
Planning Your Tax Savings Strategically
- Start Early: Don’t wait until the last quarter of the financial year. Begin your tax planning as early as April 2025 to make informed investment choices.
- Review Your Form 16: Your employer provides Form 16, which details your salary, TDS, and declared investments. For FY 2024-25 (AY 2025-26), Form 16 will reflect changes like the increased standard deduction under the new tax regime.
- Maintain Records: Keep all your investment proofs, rent receipts, premium payment receipts, and other relevant documents organized. These are crucial when filing your ITR.
- Choose the Right ITR Form: For most salaried individuals, ITR-1 (Sahaj) is applicable if your total income is up to ₹50 lakh from salary, one house property, and other sources like interest. If your income exceeds ₹50 lakh, or you have income from capital gains, multiple house properties, or foreign income/assets, you’ll need to file ITR-2.
- E-filing ITR: The process to file ITR for salaried person 2025 is completely online. The Income Tax Department’s e-filing portal is user-friendly. Most of your personal and income details are pre-filled, so ensure to review them carefully.
Get Started with FilingPool Today
Don’t wait for the deadline to sneak up. Let FilingPool guide you in filing your ITR for salary person in Delhi with ease.
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