NiveshLedger
Tax Planning

How to Save Tax Beyond Section 80C

Updated 20 August 2026

Most people max out their 80C limit and assume they're done, but the old tax regime has several other deductions that go completely unused simply because they're less well known.

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Section 80D covers health insurance premiums — up to ₹25,000 for yourself and family, and another ₹50,000 if you're also paying premiums for senior citizen parents, which is a meaningful additional deduction most people miss. Section 24(b) allows up to ₹2 lakh deduction on home loan interest for a self-occupied property, separate from and in addition to the 80C limit on principal repayment. Section 80CCD(1B) gives an extra ₹50,000 deduction specifically for NPS contributions, over and above the 80C ceiling.

There's also Section 80E for interest paid on an education loan, with no upper limit on the deduction amount, and Section 80TTA/80TTB for interest earned on savings accounts (or all deposits, for senior citizens). Stacked together, these can meaningfully lower your taxable income beyond the familiar ₹1.5 lakh 80C ceiling — worth reviewing each one against your own situation before assuming you've exhausted your options.