Old or new regime?

Since you don’t have a large number of deductions (apart from the PPF/LIC and home loan interest), opting for the New Regime might save you taxes. However, if you have other deductions not considered here, or if you are planning to increase your savings in the future, the Old Regime might offer more benefits.

You should to compare between old and new regime and see in which regime you have more tax savings.

You are in border line. Since you are in lic,home loan exceptions. Still you can opt for new regime.