Use case - Income tax

Maximising deductions - squeeze every rupee before 31 March

If the old regime is right for you, an unused deduction is just tax you volunteered to pay. Niyam maps every lever - 80C, 80D, 80CCD(1B), HRA - against what you have already claimed and shows the headroom you can still fill before the financial year closes.

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Who it is for

Old-regime taxpayers who invest ad hoc and are not sure what is left
Anyone supporting parents, paying rent, or repaying a home loan
People who file in a rush every March and suspect they miss deductions

What Niyam does

Maps every section against its cap

Niyam reads what you have already claimed and shows the exact unused headroom in each section, not a generic checklist.

Ranks by rupee per effort

It orders the moves by refund gained, so you fill the highest-impact section first when cash is tight.

Watches the deadline

Every action carries its real cut-off date, so nothing lapses quietly on 31 March.

Sample report

A preview of what you would get

Generated from a sample profile. Your own report runs on your real salary, investments and the latest published rules. The figures below are illustrative.

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Personalised report - sample

Financial year 2025-26

You are leaving about Rs 43,700 of refund on the table. Three moves close the gap.

Filling 80D, NPS and 80C to their limits before 31 March raises your deductions by Rs 1,40,000.

Profile Senior analyst - Rs 24,00,000 CTC - old regime - Gurugram

Refund left unclaimed: Rs 43,700
80C headroom: Rs 40,000
NPS 80CCD(1B): Rs 50,000

Figure

Extra refund by move

Cover parents' health (80D)Rs 15,600
Start NPS Tier-1 (80CCD(1B))Rs 15,600
Top up 80C by Rs 40,000Rs 12,480

Refund gained at your marginal rate if you fill each section.

Recommended actions

Action needed:Buy health cover for your parents to claim the 80D senior limitBefore 31 Mar 2026Rs 15,600
Action needed:Open an NPS Tier-1 account and invest Rs 50,000 for 80CCD(1B)Before 31 Mar 2026Rs 15,600
Deadline:Top up ELSS or PPF by Rs 40,000 to fill your 80C limitBefore 31 Mar 2026Rs 12,480

Grounded in Income-tax Act sections 80C, 80D and 80CCD and CBDT limits for FY 2025-26.

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