r/IndiaTaxandCompliance

Hi All,

This is my first post on redit. Need some urgent advice on choosing NPS Employer Contribution(14%,10%,5%) and meal card. Tomorrow is the last date to opt-in.

Current CTC: 15.12 LPA

As of now havent' opted for any flexi benefits like NPS, Food Card.

Montly Inhand:

IT Statement: TAX CALCULATED AS PER NEW TAX REGIME

^(NET TAX IN ₹)	^(TOTAL TAX DUE IN ₹)	^(TAX DEDUCTIBLE PER MONTH IN ₹)	^(Remaining Months (May 2026 onwards))
^(96,002.00)	^(88,001.00)	^(8,000.00)	^(11)

Deductions
-------------------------------------------------
| Component         | Amount (INR)               |
-------------------------------------------------
| NPS               | ~6,086                     |
| PF                | 1,800                      |
| Professional Tax  | 200                        |
| Income Tax        | ~7,000                     |
-------------------------------------------------
| Total Deductions  | ~15,086                    |
-------------------------------------------------

Net Pay (Bank In-Hand)
-------------------------------------------------
| 124,200 − 6,086 − 1,800 − 200 − 7,000          |
| ≈ 109,114 INR ≈ ₹1.09L/month                   |
-------------------------------------------------

🧾 Salary Slip

Earnings
-------------------------------------------------
| Component         | Amount (INR)               |
-------------------------------------------------
| Basic             | 43,470                     |
| HRA               | 24,840                     |
| Conveyance        | 12,420                     |
| Medical Allowance | 12,420                     |
| Other Allowance   | 12,420                     |
| Meal Allowance    | 18,630                     |
-------------------------------------------------
| Total Earnings    | 124,200                    |
-------------------------------------------------

Deductions
-------------------------------------------------
| Component         | Amount (INR)               |
-------------------------------------------------
| PF                | 1,800                      |
| Professional Tax  | 200                        |
| Income Tax        | 8,001                      |
-------------------------------------------------
| Total Deductions  | 10,001                     |
-------------------------------------------------

Net Pay
-------------------------------------------------
| Total Earnings - Total Deductions = 114,199 INR|
-------------------------------------------------

• Till now my pacakge was under 13lakhs so no tax.. now with the hike i need to make a decision to opt in for nps , meal card so that i can reduce my tax.

• Not aware of Nps benefits heard there is a lock in period and can only withdraw 60% at age 60 and 40% as annuity.

• Regarding Sodexo.. i dont order that much online max 1 or 2 order per month. Never had food at restraunts on my own money ,max once a year.

• SIP: 35k planning to increase

  Total expenditure per month including everyting : 13k max ( sometimes 15k).

If i opt in for NPS(14% around 6k per month)

 124,200 − (NPS)6,086 − 1,800 − 200 − 7,000          |
| ≈ 109,114 INR ≈ ₹1.09L/month  // this wound my inhand.

With only 14% Employer NPS: 
Original annual tax: ₹96K New annual tax: ~₹84K

BOTH NPS and Meal Card:

Bank In-Hand
-------------------------------------------------
| Calculation                                    |
-------------------------------------------------
| 124,200 − 6,086 − 1,800 − 200 − 6,200 − 4,400  |
-------------------------------------------------
| ≈ 109,514 INR ≈ ₹1.055L/month 
 
With both  Employer NPS and meal card: 
Original annual tax: ₹96K New annual tax: 75k - 77k  

Please suggest me as i am confused whether to opt in for nps and meal card.

Thanks in advance.

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Here’s what happened.
A wife filed RTI with the Income Tax Department seeking her husband’s income details from FY 2007-08 onwards — to support her maintenance claim. CIC ruled in her favour. Husband challenged it. Delhi HC quashed the CIC order completely.

What the court said:
ITR is personal information protected under Section 8(1)(j) of the RTI Act. A matrimonial dispute does not qualify as public interest. RTI was designed for transparency in public authorities — not private financial disputes.

What people are missing:
Court didn’t say wife has no right to know his income. It said RTI is the wrong tool. The right channel is Family Court — where both parties file income affidavits under oath. Lying there is contempt of court — criminal offense.

Bottom line:
RTI is powerful — but only for the right purpose. ITR is private — regardless of who is asking and why.
Case: Kapil Agarwal vs Central Information Commission — Delhi HC — April 28, 2026.