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Issue 1 — extract
The ₹12 lakh tax cliff nobody explains
Under the new regime for FY 2026-27, if your taxable income is ₹12,00,000 you pay zero tax — the Section 87A rebate of ₹60,000 exactly cancels what the slabs would have charged. Now earn ten thousand rupees more. At ₹12,10,000 the rebate does not shrink; it disappears entirely. On the face of it you would owe about ₹61,500 — a penalty of ₹61,500 for ₹10,000 of extra income.
Here is what the WhatsApp forwards leave out. The law already fixes this. It is called marginal relief, and it caps your tax at the amount by which you crossed ₹12,00,000. At ₹12,25,000 of taxable income the slabs say ₹63,750; marginal relief limits it to ₹25,000 plus cess.
So if you are hovering just above ₹12 lakh, do not panic-invest to get under it. Check the marginal relief first. You will usually find the cliff is a step.
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