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Karmitra

Your tax, savings & investing wingman. Compare both regimes on your real salary, find the right scheme, and discover brokers & products built for India.

FY 2025-26 verified slabs unchanged by Budget 2026 rates Apr–Jun 2026

What will you actually pay?

Enter your numbers once. Karmitra runs both regimes live and calls the winner.

Your details

Old-regime deductions

Only count in the old regime. New regime uses flat ₹75,000.

HRA exemption helper

Employer NPS — 80CCD(2)

Counts in both regimes. Up to 14% of basic+DA.

—
—
★

New regime

Gross income—
Standard deduction—
Employer NPS—
Taxable income—
Tax pre-rebate—
Rebate / relief—
Surcharge—
Cess 4%—
You pay—
★

Old regime

Gross income—
Total deductions—
Taxable income—
Tax pre-rebate—
Rebate 87A—
Surcharge—
Cess 4%—
You pay—
Quick read. New regime wins with few deductions; old regime wins when 80C + 80D + HRA + home-loan stack up.

Start saving, the safe way

Government-backed schemes with sovereign guarantee. Tap a card for how to open it.

7.1%EEE

PPF

Public Provident Fund · 15-yr

Sovereign-safe, fully tax-free. A 30%-bracket saver needs ~10% taxable FD to beat it.

80C15 yrTax-free
How to open
  1. Post Office or authorised bank.
  2. Aadhaar + PAN + photo + nominee.
  3. Deposit ₹500–₹1.5L/year.
Open on India Post ↗
8.2%EEE

Sukanya Samriddhi

Girl child <10 · matures at 21

Highest fixed sovereign rate, fully tax-free.

80CGirl <10Tax-free
How to open
  1. Guardian opens for girl <10.
  2. Birth certificate + guardian Aadhaar/PAN.
  3. ₹250–₹1.5L/year for 15 years.
Open on India Post ↗
8.2%payout

SCSS

Senior Citizen Savings · 5-yr

For 60+. Quarterly interest payout. Interest taxable above ₹50k/yr.

80CAge 60+
How to open
  1. Be 60+ (or 55+ on VRS).
  2. Aadhaar, PAN, age proof.
  3. Up to ₹30 lakh deposit.
Open on India Post ↗
7.7%5-yr

NSC

National Savings Certificate

5-year fixed return. Reinvested interest also counts under 80C.

80C5 yr
How to open
  1. Post Office or DOP net banking.
  2. Aadhaar + PAN + photo.
  3. From ₹1,000 up; hold 5 years.
Open on India Post ↗
7.5%×2

Kisan Vikas Patra

KVP · capital doubles

Doubles in 115 months, rate-locked at purchase.

No 80CDoubles
How to open
  1. Post Office / bank.
  2. Aadhaar + PAN + photo.
  3. From ₹1,000; hold ~9.5 yrs.
Open on India Post ↗
7.4%monthly

Post Office MIS

Monthly Income Scheme · 5-yr

Fixed monthly income from a lump sum. No market risk.

Income5 yr
How to open
  1. Post Office with Aadhaar + PAN.
  2. Up to ₹9L single / ₹15L joint.
  3. Monthly interest to your bank.
Open on India Post ↗
10%+market

NPS

National Pension System · till 60

Market-linked retirement wealth. Extra ₹50k under 80CCD(1B).

80CCD(1B)Equity
How to open
  1. Register on eNPS with PAN + Aadhaar.
  2. Pick fund manager + allocation.
  3. Contribute online anytime.
Open on eNPS ↗
Govtbonds

RBI Retail Direct

G-Secs · zero fee

Lend directly to India. Zero fee, the safest rupee asset.

SovereignZero fee
How to open
  1. Open free RDG account on Retail Direct.
  2. PAN, Aadhaar, bank, OTP.
  3. Bid in auctions or buy secondary.
Open RBI Retail Direct ↗
Heads up. MSSC closed to new accounts 31 March 2025. In the new regime the 80C break is gone — but PPF, NPS, SSY still build real wealth.

File it, step by step

All on the official Income Tax portal. Most salaried filers use ITR-1. Deadline FY 2025-26: 31 July 2026.

1Gather your documents
  • PAN + Aadhaar (linked)
  • Form 16
  • Form 26AS
  • AIS / TIS
  • Bank + IFSC
  • Interest certificates
  • Capital-gains statements
  • Rent receipts (HRA)
  • 80C / 80D proofs
  • Home-loan interest cert
2Reconcile 26AS & AIS first
Download Form 26AS and AIS; cross-check every entry. Wrong entry? Submit feedback inside AIS.
Open the portal ↗
3Log in
incometax.gov.in → PAN as user ID + password + OTP/2FA.
4Start a new return
e-File → Income Tax Returns → File Return → AY 2026-27 → Online → Individual.
5Pick the right ITR form
  • ITR-1 — resident, ≤₹50L, salary + 1–2 houses + interest.
  • ITR-2 — capital gains, foreign assets.
  • ITR-3/4 — business/professional income.
6Choose your regime
New regime is the default. Set "opt out?" to Yes for old regime. Use the Calculator first.
7Verify pre-filled data & add deductions
Fields pre-fill from Form 16 / AIS. Verify each section → add deductions → Confirm.
8Pay any balance tax
Tax still due? Pay via e-Pay Tax before submitting; enter challan.
9Preview, validate, submit
Preview → Validation → Submit. Save the ITR-V acknowledgement.
10e-Verify within 30 days
Verify via Aadhaar OTP, net banking, or DSC within 30 days. Unverified = never filed.
What Karmitra won't do: file for you. Only an authorised ERI can submit on your behalf. Any "auto-file, give us your password" tool is a red flag.

Know your tax

Two parallel systems; pick one each year. FY 2025-26 (unchanged for FY 2026-27).

New regime (default)

Lower rates, almost no deductions. ₹75k std deduction + 87A → salary ≤₹12.75L effectively tax-free.

Taxable incomeRate
Up to ₹4,00,000Nil
₹4,00,001 – ₹8,00,0005%
₹8,00,001 – ₹12,00,00010%
₹12,00,001 – ₹16,00,00015%
₹16,00,001 – ₹20,00,00020%
₹20,00,001 – ₹24,00,00025%
Above ₹24,00,00030%

Old regime

Higher rates, big deductions. Seniors ₹3L exemption, super-seniors ₹5L.

Taxable income (below 60)Rate
Up to ₹2,50,000Nil
₹2,50,001 – ₹5,00,0005%
₹5,00,001 – ₹10,00,00020%
Above ₹10,00,00030%
The one call that matters. New regime usually wins. Old regime pays off with a full stack — home loan + 80C + health insurance + HRA. Calculator settles it.

Your Investing Hub

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Disclosure. Product cards may include affiliate links. Karmitra earns a referral fee at no extra cost to you. Not personalised investment advice — consult a SEBI-registered advisor.

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