In 2025, the Indian government changed some big rules in income tax. Because of that, people are confused about how to save money and where to invest now. In this blog, I will explain everything in an easy and simple way. Also, I will share about some top 5 mutual fund schemes in India, good HDFC SIP plans in India and also some top performing mutual funds SIP in India which can help you save and grow your money.
What is the New Tax Regime in 2025?
So, in the new tax regime, the government will give lower tax rates but remove most of the old tax benefits. Earlier, you can get:
- ₹1.5 lakh under section 80C (for LIC, ELSS, PF etc)
- ₹50,000 under section 80CCD(1B) (for NPS)
- ₹25,000 for health insurance (under section 80D)
Now, in the new system, you can’t use these deductions. But the tax rate is less.
Who should pick the New Tax Regime?
This new tax regime is better if:
- You don’t invest in PF, LIC, ELSS etc
- Your salary don’t have many deductions
- You want tax filing to be fast and simple
But if you already invest in these things, the old regime may be better for you.
Best Ways to Save and Invest in 2025
Even if you are using a new regime, saving money and investing is still very important. Let me tell you some simple ways:
1. Start SIP in Mutual Funds
SIP means you invest a small amount (like ₹500 or ₹1000) every month in mutual fund. It’s safe and helps you grow money slowly.
Here are some of the top 5 mutual fund schemes in India:
- Axis Bluechip Fund – for long term growth
- HDFC Top 100 Fund – big company fund, gives good return
- Mirae Asset Emerging Bluechip Fund – little risky, but good returns
- ICICI Prudential Balanced Advantage Fund – safe and gives decent returns
- SBI Small Cap Fund – high growth but risky
These are good for long-term plans like 5 years or more.
2. Try Top Performing Mutual Funds SIP in India
Many people ask which SIP is giving the best return right now. Here are some good ones:
- Parag Parikh Flexi Cap Fund – gives steady growth
- HDFC Flexi Cap Fund – best for long time
- Quant Small Cap Fund – risky but high reward
- Kotak Equity Opportunities Fund – good balance
- Nippon India Growth Fund – good for mid-cap companies
If you invest ₹1000 to ₹5000 monthly in these, you can build a good amount in future.
3. Check HDFC SIP Plans in India
If you like to go with a trusted company, HDFC SIP plans in India are very popular. Some top ones are:
- HDFC Hybrid Equity Fund – balanced and safe
- HDFC Small Cap Fund – for young people who can take some risk
- HDFC Short Term Debt Fund – good for saving in short time
- HDFC Index Fund – cheap and follows stock market
HDFC funds are managed by experts and they are good for new investors also.
How to Start Investing?
You don’t need a lot of money. Just:
- Pick 1 or 2 mutual funds
- Start SIP with ₹500 or ₹1000
- Put money every month
- Don’t stop if market goes down
- Wait 5 to 10 years
This is how you build wealth slowly.
Tips to Save Money in New Tax Regime
Even without tax saving options, you can still save by:
- Spending less on useless things
- Making a budget every month
- Using credit card carefully
- Putting extra money in SIPs
- Taking health insurance for safety (not just tax)
FAQs
Q1. Is SIP helpful in the new regime?
Yes, it is. You won’t get tax benefits but it helps to save for future goals like home, retirement, kids etc.
Q2. Which tax regime is best?
If you take full benefit of 80C and other deductions, the old one is better. If not, the new regime will save you tax.
Q3. Best HDFC SIP plan?
HDFC Flexi Cap Fund and HDFC Hybrid Equity Fund are very good options.
Q4. How much SIP should I do?
Start with ₹1000 per month. When your income increases, you can add more.
Q5. Can I change my diet later?
Yes. Salaried people can switch every year. Business owners can switch only once.
Conclusion
So, even if the new tax regime in 2025 is simple, you still need to plan smartly. Just because you don’t get tax deductions, don’t stop investing.
Go with top 5 mutual fund schemes in India, trusted HDFC SIP plans in India, or try top performing mutual funds SIP in India. Keep investing every month and stay patient. Your money will grow.
I am a digital marketing executive as well as content writer in the personal finance and investment related blogs. My goal is to provide simple, interesting and reliable information to readers through my articles so that they always stay updated with the world of personal finance and investment.
