How to pay 0 tax on income of Rs 19 lakh: Your salary income of Rs 19 lakh can be tax-free in the new tax system

admin August 1, 2025

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How to pay 0 tax on income of Rs 19 lakh: Your salary income of Rs 19 lakh can be tax-free in the new tax system

Pay a tax of Rs 0 with income of Rs 19 lakh: Savings tax can be a big challenge for everyone whose income exceeds the tax exemption limit. In the new tax regime applicable to fiscal year 2025-26, the exemption limit is Rs 12,75,000. If your salary is slightly higher than that, you can save taxes by paying tax benefits from the employee’s provident fund (EPF) or National Pension System (NPS) employer.

However, if your salary exceeds it, savings tax can be very challenging.

If your annual income is Rs 19 lakh, saving taxes can be more challenging.

In this article, you will tell you about the deductions available in the new tax regime that may help you pay 0 tax on paid income of Rs 19,00,000.

Income tax and deductions of Rs 19 lakh

Let’s take a look at the table of tax liability for Rs 19,00 in income and tax deductions you may claim in the old and new tax regimes.

detail	tax rate(%)	Income (Rs)	Tax amount (Rs)
net income		19,00,000
Less: Standard deduction		75,000
Deduct u/s 80 ccd (2)		1,26,000
Post Office Program Interest 10 (15 (i)		3,500
Interest in PPF/ Sukanya Yojna (1.5 million + 100,000)		17,500
Net taxable income		16,78,000
Revenue tax exemption up to Rs 4 lakh	zero	4,00,000
Income tax tablet is Rs 4 lakh, up to Rs 8 lakh	5	4,00,000	20,000
Income tax tablet is Rs 8 lakh, up to Rs 1.2 lakh	10	4,00,000	40,000
Income tax tablet is 1.2 lakh rupees, up to 1.6 lakh	15	4,78,000	71,700
Total income tax liability		–	1,31,700
The tax rate is 4%, and total income tax should be paid		–	5,268
Final income tax liability (including CESS)		–	1,36,968

On the table you can see that you will receive a standard deduction of Rs 75,000.

Under Section 80 CCD (2), taxpayers may receive further benefits of Rs 1,26,000 in their employer’s contribution to the National Pension System (NPS) account.

Under Section 10(15(i), they can save up to Rs 3,500 in income tax based on interest earned in the post office plan.

If they invest their Rs 15 lakh public provident fund (EPF) and Rs 10 lakh sukanya samriddhi account in their daughter, they may also receive Rs 17,500 tax benefits.

With these tax benefits, tax liability can be reduced to Rs 1,36,968, including 4 taxes per education tax.

To reduce tax liability to zero, there are many tax relief in the new tax system.

Contribution to the Agnipath Program U/S 80CCH(2) is 100% exempt.
In the case of transfer or office transfer, the actual travel allowance (TA) is actually for travel purposes.
The actual daily allowance will actually form part of the CTC.
Actual basic transportation allowance, but it will form part of the CTC.

Other deductions that can be deducted by the new tax system in fiscal year 2025-26 are:

If there is a family pension income, Rs 25,000/or 1/3 of whichever is lower is tax-free.
Rental income from rental properties will be exempted up to 30% of the time.
Without considering the deemed rental income, the exemption of the second vacant house will be there.
Remuneration up to Rs 2.5 lakh is exempted under Article 10 (10)
Under the leave allowance stipulated in Section 10 (10AA), up to Rs 2.5 lakh is exempt.
Under the exemption under Section 10 (10C), the voluntary retirement amount is up to Rs 5 lakh.
Under Section 10 (10D), income from life insurance policies is also exempt.
Tax currencies received from the office without office laptops, medical policies and interest-free loans are part of the salary.
Transport allowances for special persons will be tax-free.

(Disclaimer: This is not financial advice. Please do due diligence or consular tax planning.)