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For employees

Employee Corner

Employee Corner is True HR's blog stream for employees: plain answers to the money questions behind your payslip. It explains CTC (Cost to Company) versus in-hand salary, PF (Provident Fund) deductions, income tax regimes, HRA (House Rent Allowance) and your rights at work, in the same plain Indian English we use with clients.

Employee Corner, for employees. The drawing shows a payslip with its net pay line, and the pay that reaches the bank.

Latest in this stream

Employee CornerFor employees

Old regime or new regime: how to choose in 5 minutes

Old regime vs new regime in 5 minutes: a two-question shortcut, breakeven deduction table by salary, and the switching rules for FY 2026-27.

9 min readUpdated

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Linked calculatorIncome tax calculator

The short answer

Answer two questions: how much do you actually claim in deductions (HRA exemption, 80C, 80D, home loan interest), and what is your salary? If your salary is ₹12,75,000 or less, the new regime is tax-free after the rebate under section 156 (earlier 87A), so it cannot be beaten. Above that, the old regime wins only when deductions are large.

Every article opens with a direct answer like this one, then shows the working.

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For employers

Signing the filings yourself?

This stream is written for the people the payslip belongs to. If you run payroll or compliance for a company, head to Labour Law Explained: PF, ESI, PT, LWF, gratuity, bonus and the new labour codes, explained for the people who sign the filings.

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