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Tax on ₹9 Lakh Salary in FY 2026-27 (New Regime)
On a gross salary of ₹9,00,000, the new regime applies a ₹75,000 standard deduction, leaving a taxable income of ₹8,25,000. The income tax for FY 2026-27 (AY 2027-28) works out to ₹0 including 4% cess.
Slab-by-slab breakdown (new regime)
| Income slab | Rate | Tax |
|---|---|---|
| ₹4,00,000 – ₹8,00,000 | 5% | ₹20,000 |
| ₹8,00,000 – ₹12,00,000 | 10% | ₹2,500 |
| Slab tax | ₹22,500 | |
| Less: Section 87A rebate | − ₹22,500 | |
| Health & education cess (4%) | ₹0 | |
| Total tax | ₹0 |
What happens to the next rupee at ₹9 lakh
At ₹9 lakh, the Section 87A rebate cancels the slab tax entirely — the effective rate is zero, and that remains true for every salary up to the rebate threshold. A ₹1 lakh raise from here keeps about ₹1,00,000. The number worth internalizing before the next appraisal: tax-free today does not mean tax-free after the raise, and salaries just past the threshold enter a marginal-relief zone where raises are taxed unusually heavily for a stretch.
New vs old regime
Under the old regime, with only the ₹50,000 standard deduction and no other deductions claimed, the tax on a ₹9 lakh salary would be about ₹85,800. The old regime only becomes cheaper if you claim substantial deductions (80C, 80D, HRA, home-loan interest) — see the breakeven guide for how much you would need.
Frequently asked questions
How much tax on ₹9 lakh salary in FY 2026-27?
Under the new regime, a ₹9 lakh salary has ₹0 income tax for FY 2026-27 after the ₹75,000 standard deduction (taxable income ₹8,25,000). Monthly take-home is about ₹75,000.
Is a ₹9 lakh salary tax-free under the new regime?
Yes. After the ₹75,000 standard deduction and the Section 87A rebate, the tax on a ₹9 lakh salary is nil under the new regime for FY 2026-27.
Is the old or new regime better for a ₹9 lakh salary?
With no deductions beyond the standard deduction, the old regime tax on a ₹9 lakh salary is about ₹85,800 versus ₹0 under the new regime. The old regime only wins once your 80C, 80D, HRA and home-loan deductions are large enough to close that gap.
How much of a raise do I keep at ₹9 lakh?
A ₹1 lakh raise from ₹9 lakh keeps about ₹1,00,000 under the new regime — the new income lands in the 10% slab (plus cess), though at this level the Section 87A rebate still wipes the total tax to nil. Only the new income is taxed at that slab rate; crossing a slab never re-taxes what you already earn.
How much in deductions would make the old regime win at ₹9 lakh?
None can — the new regime is already nil at ₹9 lakh after the rebate, and no amount of 80C or HRA paperwork beats zero. The old regime only becomes interesting at higher salaries with very large deductions.
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Reviewed June 28, 2026. Planning estimate for salaried individuals under the new regime; excludes surcharge and special income. Not tax advice. Verify on the Income Tax Department portal.