What are the maximum limits for home loan tax deductions?

Under the Old Tax Regime, you can claim up to ₹2 Lakh for interest paid (Section 24b) and up to ₹1.5 Lakh for principal repayment (Section 80C).

Are these benefits available in the New Tax Regime?

No. Section 80C is fully abolished in the New Regime. Section 24(b) is abolished for self-occupied properties. For let-out properties, interest is allowed but loss set-off against salary is blocked.

How is the Net Effective ROI calculated?

Your nominal interest rate is reduced proportionally by the tax shield you receive on the interest component, revealing your true borrowing cost.

Home Loan Tax Benefit CalculatorFY 2026-27

Calculate your exact annual tax savings under Section 24(b) and Section 80C, and discover your true effective home loan interest rate.

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Quick Summary: Home Loan Tax Benefit Calculator

Home loans offer two major tax shields in India: Section 24(b) for interest (up to ₹2L) and Section 80C for principal (up to ₹1.5L). In FY 2026-27, these benefits effectively reduce your 9% home loan to a ~6.3% post-tax cost if you are in the 30% slab under the Old Regime. Use this tool to find your 'Real Interest Rate'.

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Regulatory Disclaimer · FY 2026-27

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.