Which tax regime to select and do we need to consider variable pay in taxable income which salary? And food coupon is valid on which outlets ?

My Base Salary (basic + BOB ) is 1346424 and variable pay is 138626
I can show below deductions
PF / ELSS/ PPF - 1.5lakh
Health insurance - 50K
NPS - 50k
Home Loan intrest- 1.3lakh

I tried chatgpt but getting confusing reply’s

Great if someone could help.

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

If you have home loan I prefer old regime

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is it CTC ? Or basic only 138626 ? Exclude VP

new tax regime.clear

Yes I recalculated manually, new is better
Chatgpt was giving wrong data

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