Disability Benefits Finder — Calculations & Slabs for FY 2026-27

Under the Rights of Persons with Disabilities (RPwD) Act 2016, a person with a benchmark disability is an individual certified by a medical authority to have at least 40% of a specified disability. This percentage is the minimum required to unlock most government reservations, tax benefits, and concessions.

Under Section 80U, resident individuals with a benchmark disability (40% to 79%) can claim a flat deduction of ₹75,000 from their taxable income under the Old Tax Regime. For severe disabilities (80% or more), the flat deduction is increased to ₹1,25,000. No proof of medical expense is required; only a valid disability certificate is needed.

You can apply online through the official Swavlamban Card portal at swavlambancard.gov.in. You will need to upload your identity proof, address proof, photograph, and disability certificate (or apply for medical board assessment through the portal). This ensures full compliance with the latest regulations, allowing you to estimate values correctly and avoid common filing errors.

Indian Railways offers fare concessions of up to 75% in 2nd class, sleeper, 3AC, and CC, and up to 50% in 1AC and 2AC for orthopedically handicapped, blind, and mentally challenged individuals traveling with an escort. Deaf & dumb passengers get a flat 50% concession.

You can verify the values against the official notifications listed in our data sources section at the bottom of the page.