Tax related questions

FY 2025–26 ke liye meri salary aur tax ko lekar thoda confusion hai, aapse guidance chahiye:

Maine 1 September 2025 ko new company join ki hai, jahan meri fixed CTC ₹18.80 LPA hai. Mujhe ₹1.42–1.44 lakh per month in-hand salary mili hai (30 Sep, 30 Oct, 30 Nov aur 30 Dec 2025). Is amount me se ₹4,000 per month shift allowance hota hai, jisme shayad tax deduct nahi hota.

Isse pehle main ek aur company me tha, jahan meri CTC ₹10.50 LPA thi aur mujhe ₹74–75k per month in-hand salary milti thi. Wahan se mujhe April, May, June, July aur August 2025 ki salary mili hai. Us company ke Full & Final settlement me leave encashment ke through approx ₹70,000 extra bhi mile the.

Abhi new company se mujhe investment/proof submission ke liye auto-generated emails aa rahe hain. Mujhe clearly yaad nahi hai ki previous company me maine Old tax regime ya New tax regime kaunsa select kiya tha (shayad New regime choose kiya tha). Kya koi tarika hai jisse yeh confirm ho sake?

Abhi tak meri salary se tax deduct nahi hua hai, isliye mujhe lag raha hai ki last 2–3 months me tax adjustment ke wajah se in-hand salary kaafi kam ho sakti hai.

Please batayiye ki is stage par mujhe kaun-se steps lene chahiye taaki tax minimum ho (regime selection, investment planning, declaration, etc.). Agar required ho to main tax-saving SIPs, investments aur other related details bhi share kar dunga.

Thanks