A framework to compare.
Deductions differ
The old regime allows many deductions, the new regime few.
Run both
Compute tax under each regime with your actual numbers.
Insurance has value regardless
Protection is needed whichever regime you choose.
Review annually
Your best regime may change each year.
Key takeaway. Decide on tax separately from protection.
General information only; not personal advice. Rules and limits change, so verify current details. Last updated October 2026.