Is standard deduction automatic?

Yes, your employer applies it when computing TDS. You don't need to submit any proof or make any investment.

Can I claim standard deduction and 80C both?

In old regime: yes, both apply. In new regime: only standard deduction (₹75,000); 80C is not available.

The standard deduction is a flat deduction from salary income, reducing your taxable income without any investment or proof required.

New regime (2025): ₹75,000 standard deduction. Old regime: ₹50,000. This is automatically applied to your salary income — no separate claim needed.

At 30% tax bracket: ₹75,000 deduction saves ₹22,500 + cess = ₹23,400 in taxes. Even at 5% bracket, you save ₹3,900.

All salaried employees and pensioners. Self-employed individuals cannot claim standard deduction. It applies to income under the head 'Salaries'.