*87A. *[*Rebate of income-tax in case of certain individuals.*

   - 87A is* applicable on total Income not on Gross Income*. Gross income 
   means total of income under all five heads i.e. Salary, House Property, 
   Business or Profession, Capital Gains and Income from other sources. When 
   we deduct all losses of business or other under other heads and deductions 
   u/s 10, 16 and chapter VI A then it becomes Total Income.  It means this 
   income must be reduced by all available deductions and rebate except sec 
   87A. So this makes possible that Gross income can be more than 5,00,000/-. 
   It must be equal or below 5,00,000/- after deductions of sec 10, 16 and all 
   deductions of chapter VI A for claiming rebate under this section. 
   - Filing of income tax return is necessary in spite of fact that total 
   income is below exempt limit after this rebate. 

Calculation method of rebate amount u/s 87A


   1. First calculate total income by deducted all possible deductions and 
   rebates from Gross total income except sec 87A, it is total income for 
   normal tax rate. 
   2. From this total income liable to tax, calculate tax in normal course 
   which will be 10% slab as it is normal rate for total income upto 
   5,00,000/-. 
   3. Now deduct total tax or 5,000/- whichever is less from above 
   calculated tax. 
   4. Calculate education cess and secondary and higher education cess on 
   this amount. 
   5. Total of this will be tax payable by individual. 

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