In-hand salary at every common CTC

How to read the table

• In hand a month is the money credited to the bank after employee PF, professional tax and income tax. It does not include any variable pay or bonus paid separately.
• Share of CTC in hand shows how much of the yearly CTC you actually receive. It rises with income at first, because the employer PF and gratuity are a smaller part, and falls again when the tax grows.
• Up to a CTC of about ₹13.5 lakh the new regime tax is nil, so the difference between CTC and in-hand pay is only the PF and gratuity parts. Above that, tax is the biggest item.
• The old regime column uses only the standard deduction, employee PF and professional tax. A home loan or house rent allowance can change that column a lot.

The assumptions behind every number here

1. Basic pay is 40% of the CTC (you can change this in the calculator).
2. Employer PF is 12% of basic. Employee PF is the same amount. Both are on the full basic (the calculator can instead cap them at the PF wage ceiling).
3. Gratuity is a provision of basic ÷ 12 × 15 ÷ 26 a year, which the employer counts in the CTC but pays only after five years of service. It is taken out of the CTC and is not in the monthly pay.
4. Professional tax is ₹2,500 a year.
5. Everything else in the CTC (basic, HRA, special allowance, bonus paid monthly) is treated as ordinary monthly salary. Variable pay, joining bonus, food coupons and insurance premiums paid by the employer are not separated out.
6. New regime: only the standard deduction of ₹75,000. Old regime: standard deduction of ₹50,000, employee PF (inside the ₹1.5 lakh limit of 80C) and professional tax. HRA exemption, home loan interest, 80D and other deductions are not counted, so the old regime looks worse here than it may be for you.
7. Tax is for a resident below 60 with salary as the only income, with 4% cess.

• Tax slabs, rebate, surcharge and cess for tax year 2026-27: Memorandum explaining the provisions of the Finance Bill, 2026 (Ministry of Finance) and the Income Tax Department e-filing help page "Salaried Individuals for AY 2026-27". Checked on 11 November 2026.
• Gratuity formula (15 days of wages for each year of service, a month taken as 26 days): Payment of Gratuity Act, 1972, section 4(2). Employee and employer PF at 12% of wages: Employees' Provident Funds Scheme, 1952.
• PF wage ceiling of ₹25,000 a month from 17 September 2026 (Gazette notification S.O. 5109(E) under the Code on Social Security, 2020): Press Information Bureau releases on the EPFO wage ceiling (PRID 2313829, PRID 2314111). Read on 13 November 2026 (the Gazette text itself was not opened).
• Professional tax: a state tax; this page assumes ₹2,500 a year, and states differ, some charge less and some have none.

This is an estimate built on the assumptions listed on the page, with tax rates checked on 11 November 2026. It is general information, not tax or financial advice. Your own payslip can differ. Confirm tax questions at incometax.gov.in or with a professional.