Tax calculation on ₹3 lakh (new regime)
- Gross salary: ₹3,00,000
- Less standard deduction: ₹75,000
- Taxable income: ₹2,25,000
- ₹0 – ₹4 L at 0%: ₹0
- Cess at 4%: ₹0
- Total tax: ₹0
When does the old regime win?
New regime tax on ₹3 lakh: ₹0. Old regime tax with different deductions:
| Old-regime deductions | Old regime tax | Cheaper |
|---|---|---|
| No deductions | ₹0 | New |
| 80C ₹1.5 lakh | ₹0 | New |
| + 80D ₹25,000 + NPS ₹50,000 | ₹0 | New |
| + HRA ₹2 lakh + home loan interest ₹2 lakh | ₹0 | New |
Compared with nearby salaries
New regime tax and old regime tax with 80C and 80D:
See what you take home each month on the ₹3 lakh CTC salary page.
Frequently asked questions
How much income tax do I pay on a ₹3 lakh salary?
For FY 2026-27, a ₹3 lakh salary attracts ₹0 of tax in the new regime, including 4% cess. In the old regime, with ₹1.5 lakh under 80C, ₹25,000 health insurance and ₹2,500 professional tax, the tax is ₹0.
Which regime is better for a ₹3 lakh salary?
The old regime is already cheaper with no deductions at this salary.
What is the monthly take-home on a ₹3 lakh salary after tax?
About ₹25,000 a month after income tax in the new regime. PF and professional tax reduce it further; see the in-hand salary page for the full picture.
What is my tax slab on a ₹3 lakh salary?
After the ₹75,000 standard deduction your taxable income is ₹2,25,000, which puts your top slab at 0% in the new regime. Your effective tax rate is 0.0%.