Urgently advise

My spouse currently works in company "A" with fixed 14.5 LPA and is currently in maternity leave until Oct
We are in dilema on which regime to select as she will be switching companies in coming Dec/Jan
She will be opting for 1.5 Lakhs 80C
1.44 Lakhs HRA
50k NPS
2 Health insurances of 25k (me & her) and 30k (her parents)

When she switches companies, her salary would be above 25 LPA. So can she opt for new regime when switching?

Next query mentioned below.

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Posting as :
works at
You are currently posting as works at

If total deduction is over 4.25 L choose Old regime else choose new regime

Secondly, if 1.44L HRA is the amount shown by you then actual exempted HRA amount would be lesser and can mostly lie between 70k- 1L. You can also use cleartax for comparison, its pretty user friendly.

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We can again choose regime while filing ITR and check which one is more beneficial and choose that to get money return. So don't worry even if you choose wrong now, Check with CA while filing income tax and he can give your money back.

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The insurance of 25K is from an external vendor for which we have documents that can be submitted in next company. And the 30K insurance is from her current company for which I believe the company won't give any documents. So when she switches company will this insurance of 30k be a waste with regard to the above question?

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