India Personal Finance Statistics 2026
Income tax under the new and old regimes, in-hand salary, EPF, PPF, NPS, HRA, TDS, small savings rates and stamp duty by state for Tax Year 2026-27 in India.
50-State Comparisons
India Stamp Duty by State on a ₹50 Lakh and ₹1 Crore Home
Registering a ₹1 crore home in India costs from ₹5.9 lakh in Gujarat to ₹11 lakh in Tamil Nadu in stamp duty and fees, across the 11 states and areas we cover; a ₹50 lakh home costs ₹2.95 lakh to ₹5.5 lakh.
India Professional Tax by State and Salary
Professional tax in India tops out at ₹2,500 a year, which Maharashtra and Karnataka charge on a ₹50,000 monthly salary; West Bengal charges ₹2,400, while Delhi, Uttar Pradesh and Haryana charge nothing at all.
2026 Numbers
India Atal Pension Yojana Chart: Monthly Contribution by Joining Age for a ₹1,000 to ₹5,000 Pension
Under India's Atal Pension Yojana, a guaranteed ₹5,000 monthly pension from age 60 costs ₹210 a month if you join at 18 and ₹1,454 if you join at 40; the smallest ₹1,000 pension costs ₹42 to ₹291 a month.
India TDS Rates Chart for Tax Year 2026-27: Salary, FD Interest and Rent Under the Income-tax Act, 2025
For Tax Year 2026-27 in India, banks deduct 10% TDS on interest above ₹50,000 a year (₹1,00,000 for seniors), rent above ₹50,000 a month is taxed at source at 10%, and a ₹15 lakh salary has ₹8,125 of TDS a month under the new regime.
What It Really Costs
India EPF at Retirement: Corpus at 58 by Starting Age and Basic Salary
In India, a worker who joins EPF at 25 on a ₹25,000 monthly basic, with 7% yearly raises and the 8.25% EPFO rate, retires at 58 with about ₹2.28 crore; starting at 35 on the same pay leaves ₹74.18 lakh.
India EPS Pension: What You Actually Get per Month by Salary and Service
In India, 30 years of service on a salary at or above the ₹15,000 wage ceiling earns a standard EPS pension of about ₹6,857 a month at 58; 20 years gives ₹4,714 and 10 years just ₹2,143.
India PPF Over 15 Years: Maturity on ₹50,000, ₹1 Lakh and ₹1.5 Lakh a Year
In India, putting ₹1.5 lakh a year into PPF at 7.1% for 15 years grows to ₹40,68,209; ₹1 lakh a year grows to ₹27,12,139 and ₹50,000 a year to ₹13,56,070, all tax-free.
India Sukanya Samriddhi: Maturity by Yearly Deposit and Girl's Age
In India, depositing ₹1.5 lakh a year in a Sukanya Samriddhi account at 8.2% grows to ₹71,82,119 after 21 years; the girl's age at opening changes only when it matures, from 21 if opened at birth to 31 if opened at 10.
India Small Savings Schemes Compared: PPF vs SSY vs SCSS vs KVP vs Post Office RD and TD
Among India's small savings schemes, Sukanya Samriddhi and SCSS pay the most at 8.2%, the 5-year post office TD and KVP pay 7.5%, PPF pays 7.1% and the post office RD pays the least at 6.7%, at the rates in force for 1 October 2026 to 31 December 2026.
India NPS at 60: Pension and Lump Sum by Contribution and Starting Age, Plus the 80CCD(1B) Saving
In India, ₹10,000 a month into NPS from age 30, rising 5% a year and earning 10%, builds about ₹3.56 crore by 60: a lump sum of up to ₹2.85 crore and a pension of about ₹35,633 a month; the extra Section 80CCD(1B) deduction saves at most ₹15,600 a year, and only under the old regime.
India Gratuity: Payout by Salary and Years of Service, and the Tax-Free Limit
In India, 20 years of service on a last drawn basic of ₹50,000 earns gratuity of ₹5,76,923, all of it tax-free; on ₹1 lakh it is ₹11,53,846, and only amounts above the ₹20 lakh limit are taxed.
India Sovereign Gold Bonds: Return and Tax at Maturity on ₹1 Lakh
In India, ₹1 lakh of sovereign gold bonds held to the 8-year maturity returns ₹2,00,933 after tax if gold rises 8% a year: the gold gain is tax-free for original subscribers, while a bond bought on the stock exchange returns ₹1,89,871 because the gain is taxed.
India ELSS vs PPF vs NPS for Tax Saving: Lock-In, Returns and Tax Side by Side
In India, ₹1.5 lakh a year for 15 years grows to ₹40.68 lakh in PPF at 7.1%, tax-free; to ₹63.07 lakh in ELSS if equity returns 12%, or ₹58.16 lakh after exit tax; and to ₹51.81 lakh in NPS at 10%, of which ₹10.36 lakh must buy an annuity.
India SIP Returns: What ₹5,000, ₹10,000 and ₹25,000 a Month Become in 10, 20 and 30 Years
In India, a ₹10,000 monthly SIP at an assumed 12% a year grows to about ₹23.23 lakh in 10 years, ₹99.91 lakh in 20 and ₹3.53 crore in 30; ₹25,000 a month reaches ₹8.82 crore after 30 years.
India In-Hand Salary on 6, 10, 12, 18, 24 and 30 LPA (New and Old Regime, 2026-27)
In India for Tax Year 2026-27, a 12 LPA CTC pays about ₹93,788 a month in hand under the new regime, 18 LPA about ₹1,31,144 and 30 LPA about ₹2,02,969; 6 LPA comes to ₹44,990.
India Home Loan EMI on ₹30 Lakh, ₹50 Lakh and ₹1 Crore: Rates, Tenures and Total Interest
In India, a ₹50 lakh home loan at 8.5% over 20 years has an EMI of ₹43,391 and costs ₹54.14 lakh in interest; ₹30 lakh costs ₹26,035 a month and ₹1 crore ₹86,782.
India FD vs RD: Returns and TDS on ₹1 Lakh to ₹25 Lakh (2026-27)
In India, ₹5 lakh in a 5-year bank FD at 7% matures at ₹7,07,389 with no TDS, while ₹10 lakh earns ₹4,14,778 and has ₹41,478 of TDS deducted; ₹10,000 a month in an RD for 5 years becomes ₹7,19,328.
India Credit Card EMI: The True Cost With GST and Processing Fees
In India, turning ₹50,000 into a 6-month credit card EMI at 15% with a 1% fee costs ₹3,197.98 once 18% GST is added, not the ₹2,210.14 of interest the offer shows: an effective 24.15% a year.
India Senior Citizens Savings Scheme: Quarterly Interest, TDS and Tax on ₹5 Lakh to ₹30 Lakh
India's Senior Citizens Savings Scheme pays 8.2% for October to December 2026, so the maximum ₹30 lakh deposit earns ₹61,500 a quarter, ₹2.46 lakh a year, with TDS of ₹24,600 once yearly interest passes ₹1 lakh.
India Post Office RD vs TD Returns: What ₹1,000 to ₹10,000 a Month or a ₹1 Lakh to ₹10 Lakh Deposit Earns
At India Post's October to December 2026 rates, ₹5,000 a month in a 5-year post office RD grows to ₹3,56,829, while ₹1 lakh in a 5-year TD pays ₹7,714 a year, ₹38,570 over the term.
India Kisan Vikas Patra: How Long It Takes to Double and What ₹10,000 to ₹50 Lakh Becomes
India's Kisan Vikas Patra pays 7.5% for October to December 2026 and doubles your money in 115 months, 9 years and 7 months, so ₹1 lakh invested now becomes ₹2,00,000 by 1 May 2036.
India Leave Encashment Tax at Retirement: The ₹25 Lakh Limit and What Is Taxable
In India, leave encashment at retirement is tax-free up to ₹25 lakh for private-sector employees, so 300 days of leave on ₹2 lakh a month (₹20 lakh) is fully exempt, but on ₹5 lakh a month ₹25 lakh of the ₹50 lakh payout is taxed.
Around the World
India: New vs Old Tax Regime for Tax Year 2026-27, Which Is Better at Every Salary
In India for Tax Year 2026-27, the new regime is cheaper than the old one at every salary we tested from ₹10 lakh to ₹60 lakh, even with ₹4,25,000 of old-regime deductions; at ₹15 lakh you would need ₹5,43,750 of deductions just to break even.
India: Income Tax on a ₹10, 12, 15, 20, 25 and 50 Lakh Salary in Tax Year 2026-27
In India for Tax Year 2026-27, a ₹12 lakh salary pays no income tax under the new regime, ₹15 lakh pays ₹97,500 a year, ₹25 lakh pays ₹3,19,800 and ₹50 lakh pays ₹10,99,800, an effective rate of 22.0%.
India: Zero Income Tax Up to Which Income in Tax Year 2026-27? The Rebate and Standard Deduction Worked Out
In India for Tax Year 2026-27, a salary up to ₹12.75 lakh pays zero income tax under the new regime, against ₹12 lakh for income that is not salary and ₹7.75 lakh under the old regime even with 80C, 80D and NPS deductions maxed out.
India HRA Exemption by Rent and City Type: How Much Tax It Saves in Tax Year 2026-27
On a ₹15 lakh salary in India in Tax Year 2026-27, paying ₹25,000 a month in rent gives an HRA exemption of ₹2,40,000 in a metro and ₹2,40,000 elsewhere, saving ₹74,880 and ₹74,880 of old-regime tax, but the new regime at ₹97,500 is still cheaper.
India: HRA vs Home Loan, Which Saves More Tax at Common Rents and Loan Sizes in Tax Year 2026-27
On a ₹20 lakh salary in India in Tax Year 2026-27, HRA on metro rent saves up to ₹1,24,800 of old-regime tax and a home loan saves at most ₹62,400, because self-occupied interest is capped at ₹2,00,000; neither alone beats the new regime tax of ₹1,92,400.
India Capital Gains Tax on Shares and Mutual Funds, Tax Year 2026-27: STCG vs LTCG on Common Gains
In India for Tax Year 2026-27, a ₹5 lakh gain on shares or equity funds costs ₹1,00,000 in tax if sold within a year but ₹46,875 if held longer, because long-term gains are taxed at 12.5% after a ₹1.25 lakh yearly exemption against 20% for short-term.
India Property Capital Gains Tax: Tax on Selling a House at Common Gains in Tax Year 2026-27
Sell a house in India in Tax Year 2026-27 that you bought for ₹40 lakh in 2015-16, and a ₹1 crore sale costs ₹7,50,000 in long-term capital gains tax; bought in 2005-06, the same sale costs ₹0, because the older purchase gets far more from indexation.
India Advance Tax 2026-27: Due Dates and Instalments at Common Incomes
For Tax Year 2026-27 in India, someone with ₹20 lakh of taxable income and no TDS owes ₹2,08,000 under the new regime, paid as ₹31,200 by 15 June 2026, ₹62,400 each by 15 September 2026 and 15 December 2026, and the rest by 15 March 2027; skipping advance tax entirely costs ₹18,824 in interest.
India ESOP Tax: What Employees Pay at Exercise and at Sale in Tax Year 2026-27
In India for Tax Year 2026-27, an employee with ₹20 lakh of other taxable income who exercises ESOPs worth ₹5,00,000 more than the strike price pays ₹1,35,200 of tax at exercise, before selling a single share; at sale, only the rise after exercise is taxed again.
India Presumptive Taxation (44AD and 44ADA): Tax at Common Turnovers in Tax Year 2026-27
Under presumptive taxation in India for Tax Year 2026-27, a professional on Section 44ADA with ₹50 lakh of receipts is taxed on ₹25 lakh and pays ₹3,43,200 under the new regime, while a business on Section 44AD with all-digital turnover pays no tax up to ₹2 crore of turnover.
NRI Tax in India: Tax and TDS on Rent, NRO Interest and Property Sale in Tax Year 2026-27
For an NRI in Tax Year 2026-27, the bank deducts ₹1,56,000 of TDS on ₹5 lakh of NRO interest although the final tax is ₹5,200 if that is the only Indian income, and a buyer of a ₹1 crore flat bought for ₹50 lakh deducts ₹14,30,000 unless the seller has a lower deduction certificate.