Act III · Plan · Step 10 of 10
A deduction you never heard of is worth exactly as much as one that does not exist. Twelve checks, each with an amount, an effort and a date.
Nothing here is hidden. Every section is public and older than most of the people missing it.
What is missing is the connection - between a section number on a list and your salary, your rent, your parents' premium. Then there is the deadline: most of these close on 31 March, so the news is worth a lot in June and nothing on 2 April.
Every finding: an amount, an action, and a date.
Not a section number and good luck.
Checked against the figures you confirmed. Not a generic profile, and not what someone at your salary usually does.
80C
₹1,50,000
Everybody knows it; half of everybody under-uses it. EPF already counts toward the limit, so your headroom is usually smaller than you fear - and still worth closing.
Works in
80CCD(1B)
₹50,000
An extra NPS deduction that sits on top of the 80C limit. A separate bucket, not a slice of the same one.
Works in
80CCD(2)
Both regimes
Ask HR to route part of your CTC to employer NPS. The only gap here that still cuts tax under the new regime.
Works in
80D · self
Premiums for you and your immediate family, including a preventive check-up sub-limit almost nobody uses.
80D · parents
A separate limit for your parents' premiums, on top of your own. One of the largest missed deductions.
80D · parents 60+
A higher limit where a parent is a senior citizen, read from the age you entered.
80E
Education-loan interest, deductible in full with no cap, for eight years from first repayment.
80GG
The rent route when your salary carries no HRA - missed most often by consultants.
80TTA
Savings-account interest up to the annual limit. Small, and free to claim.
80TTB
The senior-citizen version, at a higher limit that also covers fixed-deposit interest.
Section 24(b)
Home-loan interest on a self-occupied property, read off the EMI you already confirmed.
Regime choice
The twelfth check is the regime itself, because the wrong choice outweighs every deduction above it.
A finding earns its place by ending in an action small enough that you actually do it.
Confirmed salary, the details you entered, your current regime. A check that does not apply stays quiet.
Your remaining headroom, not the section limit - after EPF and everything already counted.
Twenty minutes online, thirty in the NSDL app, or one conversation with HR - and the date it closes.
Dismissing is a real action. Some gaps are not worth closing for reasons only you know, and those stay closed.
The receipt joins your documents, linked to the deduction it backs - so December's proof run is a search, not a dig.
Closing a gap moves your taxable income, which can move the regime answer. The comparison reruns.
Held on purpose. Not a gap waiting for a roadmap.
A gap, and the section behind it. Never a fund, a policy or a provider to buy.
Nothing is bought, subscribed to or executed for you. Ever.
An eligibility check on the figures you supplied, described as exactly that.
Amounts, efforts and dates. No deduction, refund or saving is guaranteed anywhere.
Controlled Android beta · Tax Year 2026-27 · Income-tax Act, 2025
ARTH looks for money you already qualify for and have not claimed.