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As per rules Your PF need Tobe 12% of basic , if your working in big fore then for 13 lpa it will be around 60 k for both employee and employer
You can save remaining 80c section under PPF , ELSS , tax saver FD and other schemes,
Total taxable will be 13 - PF (120k) - 80c (around 90k you can inverst)
Total taxable - 11L
You can opt for NPS can save another 50k
Same you can take execution from HRA without document 99k
Taxable will be now 9.5L
If you have home loan , you can claim around 3.5 lakhs if property value is less than 45L else 2 lakhs
Taxable will be 6
There is standard dudeuction of 50k
And you can claim upto 50k in self and dependants medical policies.
Now your income is 5L , this will be the tax free.
Points where you can claim deduction
1.5 lakh - 80C
25k- medical insurance
50k- medical expenses
2 lakhs - interest on housing loan
50k - National pension scheme