Section 80 Deductions Finder
Search every Chapter VI-A deduction — 80C, 80D, 80E, 80G and more. See the section, limit, category and whether it survives the new regime, live.
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Matching deductions
| Section | Deduction | Limit | Category | Regime |
|---|
Claim every deduction — get your ITR filed by a CA
We map your income to every Chapter VI-A deduction you qualify for and file accurately.
Disclaimer: Indicative reference for resident individuals under Chapter VI-A of the Income-tax Act, 1961. Limits and eligibility per Finance Act 2025 (FY 2026-27). Verify with a professional before claiming.
Chapter VI-A — the full Section 80 reference
Chapter VI-A of the Income-tax Act contains the "Section 80" deductions — amounts you subtract from gross total income before tax is calculated. Almost all of them are available only in the old regime; under the new regime, the sole survivors are 80CCD(2) (employer NPS) and 80JJAA (new-employment cost).
| Section | Deduction | Limit | Category | Regime |
|---|---|---|---|---|
| 80C | PPF, ELSS, LIC, EPF, tuition fees, principal repayment | ₹1,50,000 | Investments | Old only |
| 80CCC | Pension-fund premium (LIC / insurer) | Within ₹1.5L 80C | Investments | Old only |
| 80CCD(1) | NPS — employee / self contribution | Within ₹1.5L 80C | Investments | Old only |
| 80CCD(1B) | NPS — additional self contribution | ₹50,000 (over 80C) | Investments | Old only |
| 80CCD(2) | NPS — employer contribution | 10% salary (14% govt) | Investments | Both regimes |
| 80D | Health insurance premium (self / family / parents) | ₹25,000 / ₹50,000 | Insurance & Health | Old only |
| 80DD | Maintenance of a disabled dependent | ₹75,000 / ₹1,25,000 | Disability | Old only |
| 80DDB | Treatment of specified critical illness | ₹40,000 / ₹1,00,000 | Insurance & Health | Old only |
| 80E | Interest on education loan | No cap (8 years) | Loans | Old only |
| 80EE | Home-loan interest (first-time buyer) | ₹50,000 | Loans | Old only |
| 80EEA | Interest on affordable-housing loan | ₹1,50,000 | Loans | Old only |
| 80EEB | Interest on electric-vehicle loan | ₹1,50,000 | Loans | Old only |
| 80G | Donations to approved funds / charities | 50% or 100% | Donations | Old only |
| 80GG | Rent paid when no HRA is received | ₹60,000 / yr (formula) | Others | Old only |
| 80GGA | Donations for scientific research / rural dev. | 100% | Donations | Old only |
| 80GGC | Donation to a political party | 100% (non-cash) | Donations | Old only |
| 80TTA | Interest on savings account (below 60) | ₹10,000 | Others | Old only |
| 80TTB | Interest income for senior citizens | ₹50,000 | Others | Old only |
| 80U | Deduction for a person with a disability (self) | ₹75,000 / ₹1,25,000 | Disability | Old only |
| 80JJAA | Additional cost of new employment | 30% of wages (3 yrs) | Others | Both regimes |
How the finder works
Type a keyword or pick a category — the finder filters the Chapter VI-A dataset live and shows the best match in the navy panel, with the full list below.
Type anything
Section number, name or a plain keyword like "health", "loan" or "donation".
Pick a category
Narrow to Investments, Insurance & Health, Loans, Donations, Disability or Others.
New-regime toggle
Show only the deductions that survive the new tax regime — 80CCD(2) and 80JJAA.
See limit & note
Read the exact limit, applicable regime and a plain-English note for each match.
Key terms explained
Chapter VI-A
The part of the Income-tax Act (sections 80C to 80U) that lists deductions from gross total income. "Section 80 deductions" is shorthand for the whole chapter.
Gross total income cap
Total Chapter VI-A deductions cannot exceed your gross total income — they can reduce taxable income to zero but never create a loss or refund beyond tax paid.
Old vs new regime
The old regime allows the full Chapter VI-A menu; the new regime (default from FY 2023-24) removes almost all of them in exchange for lower slab rates.
New-regime survivors
Only 80CCD(2) (employer NPS contribution) and 80JJAA (additional employment cost) can still be claimed under the new regime — everything else is old-regime only.
Questions people ask
Short answers on Section 80 Deductions Finder. Tap a question to open it.
01What does Chapter VI-A cover?
The deductions from gross total income — 80C for specified investments, 80CCD for NPS, 80D for health insurance, 80DD and 80DDB for disability and medical treatment, 80E for education loan interest, 80G for donations, 80TTA and 80TTB for interest, 80U for self-disability, and several others.
02Are these deductions available under the new regime?
Mostly no. The new regime allows section 80CCD(2) for employer NPS and 80JJAA for employers, and little else from Chapter VI-A. Choosing the new regime effectively means giving up these deductions.
03Can total deductions exceed my income?
No. Chapter VI-A deductions cannot exceed gross total income, and they cannot create or increase a loss. Unutilised deduction is simply lost — it cannot be carried forward.
04What is the combined limit for 80C, 80CCC and 80CCD(1)?
₹1,50,000 in aggregate under section 80CCE. The additional ₹50,000 under 80CCD(1B) for NPS, and the employer contribution under 80CCD(2), sit outside that ceiling.
05What proof is needed?
Nothing is attached to the return, but premium receipts, investment statements, donation certificates in Form 10BE, loan interest certificates and prescription or certificate requirements for the medical sections must be retained and produced if asked.
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Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.