A Reddit user recently shared their experience of reducing their income tax liability from ₹6.8 lakh to ₹4.5 lakh while maintaining a salary of ₹48 lakh CTC. The user achieved savings of around ₹80,000 through salary restructuring, which involved negotiating with HR to include components like food coupons and Leave Travel Allowance (LTA) in their salary package. Additionally, they saved ₹45,000 by utilizing employer contributions to the National Pension System (NPS), which remains deductible even under the new tax regime. Timing also played a crucial role, as the user managed to save ₹60,000 by strategically selling Restricted Stock Units (RSUs) within the long-term capital gains framework. The user emphasized that these strategies stemmed from careful planning and understanding of tax regulations rather than aggressive tax avoidance. They noted that many taxpayers rush into last-minute investments, missing out on potential savings, and highlighted the importance of consulting tax advisory firms for tailored advice.