Home Loan Waalon Ke Liye New vs Old Tax Regime (2026)
Category: Tax & Budget · Published 2026-03-30 · by Priyanka
Agar aap home-loan EMI bhar rahe ho, toh old regime ka Section 24(b) deduction — interest pe ₹2 lakh tak — ko beat karna mushkil hai. Chalo math dekhte hain.
Example — ₹50 Lakh Home Loan 8.5% Pe
Year-1 interest: ~₹4.2 lakh; principal: ~₹1.1 lakh. 24(b) ko ₹2L pe cap karne aur principal ko 80C mein rakhne ke baad bhi, old regime bahut bachata hai.
Rule of Thumb
- Home-loan borrower + HRA + 80C + 80D = old regime jeetta hai.
- Home-loan borrower par property rent pe di hai (let-out property) → new regime rules mein carry-forward loss check karo.
Hamare tax calculator se confirm karo.
Aksar Poochhe Jaane Wale Sawaal
Kya new regime mein Section 24 home loan interest claim kar sakte hain?
Self-occupied home-loan interest new regime mein allowed nahi hai. Let-out property interest ke limited set-off rules hain.
Kya new regime mein home loan principal deductible hai?
Nahi. Section 80C (jismein principal aata hai) new regime mein available nahi hai.
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