Income Tax Act 2025: Section 123 for Tax Year 2025-26

An individual or HUF can claim a deduction up to ₹1.5 lakh for life insurance premiums, annuity contributions, provident fund, etc., as per Schedule XV.

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Deduction for life insurance premia, deferred annuity, contributions to provident fund, etc.

[As per the Income Tax Act, 2025 (this Act) w.e.f. 1st April, 2026.]

An individual or a Hindu undivided family, shall be allowed a deduction of the whole of the amount paid or deposited in the tax year, being the aggregate of the sums enumerated in Schedule XV, but not exceeding one lakh fifty thousand rupees, while computing the total income for that year, subject to the conditions specified in that Schedule.


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