Tax Planning Ideas for Salaried Professionals in the New Regime
A practical checklist for allowances, deductions still on the table, and coordination with Form 16 / AIS.
Know your regime election
Locking into the old vs new regime is a multi‑year choice for many earners. Model two scenarios with your Form 16, 26AS, and expected bonus cycles before optimising ELSS or NPS top‑ups.
Allowances & reimbursements
Some components—components tied to actuals like LTA, telephone, or eligible reimbursements—still matter under policy design. HR and finance should sync before March proofs land.
Capital gains & RSUs
If you exercise RSUs or sell ESPP positions mid‑year, coordinate with payroll on perquisite estimates so advance tax instalments stay honest.
Planning works best when documentation is boring: predictable uploads, single source of truth for AIS mismatches, and early queries to issuers.
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