In-Hand Salary by CTC: ₹3 LPA to ₹1 Crore (FY 2026-27)

In-Hand Salary for Every CTC: ₹3 LPA to ₹1 Crore

What reaches the bank account each month from a given cost-to-company, under both tax regimes, for FY 2026-27 (AY 2027-28). Every figure is computed by the same code as the in-hand salary calculator, so the two never disagree.

Slabs last verified 10 October 2026 against the Finance Act (Budget 2026 kept the Budget 2025 slabs, standard deduction and rebate). Download the table as CSV

Assumptions, stated once

Basic salary is 40% of CTC; PF is 12% of basic from you and 12% from the employer (the employer share is inside CTC and never paid to you).
Professional tax: Karnataka, ₹2,400 a year. Delhi, UP, Haryana and Rajasthan levy none; most other states are within ₹100 of this.
New regime: standard deduction ₹75,000, Section 87A rebate up to ₹60,000 when taxable income is ₹12,00,000 or less, 4% cess, surcharge above ₹50 lakh.
Old regime column: ₹50,000 standard deduction plus ₹1,50,000 of Section 80C. No HRA exemption is claimed, which understates old-regime take-home for renters.
No annual bonus, no ESI (applies below ₹21,000 a month gross), no NPS, no gratuity.

CTC	Monthly in-hand new regime	Annual tax new regime	Monthly in-hand old regime, ₹1.5L 80C	PF (yours) per year	Kept % of CTC, new
₹3 LPA	₹22,400	₹0	₹22,400	₹14,400	89.6%
₹4 LPA	₹29,933	₹0	₹29,933	₹19,200	89.8%
₹5 LPA	₹37,467	₹0	₹37,467	₹24,000	89.9%
₹6 LPA	₹45,000	₹0	₹45,000	₹28,800	90.0%
₹7 LPA	₹52,533	₹0	₹52,533	₹33,600	90.1%
₹8 LPA	₹60,067	₹0	₹57,916	₹38,400	90.1%
₹9 LPA	₹67,600	₹0	₹63,799	₹43,200	90.1%
₹10 LPA	₹75,133	₹0	₹69,682	₹48,000	90.2%
₹12 LPA	₹90,200	₹0	₹81,448	₹57,600	90.2%
₹15 LPA	₹1,05,611	₹86,268	₹97,122	₹72,000	84.5%
₹18 LPA	₹1,24,331	₹1,32,829	₹1,12,296	₹86,400	82.9%
₹20 LPA	₹1,36,097	₹1,72,432	₹1,22,413	₹96,000	81.7%
₹25 LPA	₹1,64,192	₹2,87,300	₹1,47,703	₹1,20,000	78.8%
₹30 LPA	₹1,89,894	₹4,30,872	₹1,72,994	₹1,44,000	76.0%
₹40 LPA	₹2,40,475	₹7,27,896	₹2,23,575	₹1,92,000	72.1%
₹50 LPA	₹2,91,057	₹10,24,920	₹2,74,157	₹2,40,000	69.9%
₹75 LPA	₹4,02,781	₹19,44,228	₹3,84,191	₹3,60,000	64.4%
₹1 crore	₹5,23,046	₹27,61,044	₹5,04,456	₹4,80,000	62.8%

How to read the table

Two things eat a CTC before tax does. The employer's PF share is counted inside the CTC figure but is paid into your provident fund, not your account; your own PF share is deducted from gross. Together they are 9.6% of CTC at a 40% basic, which is why even a ₹3 LPA offer, which pays no income tax at all, reaches the bank as ₹22,400 a month rather than ₹25,000.

Income tax starts to bite only when taxable income crosses ₹12,00,000. A ₹12 LPA CTC has a gross of ₹11,42,400 after employer PF and a taxable income under the rebate limit, so its tax is ₹0. At ₹25 LPA the new-regime tax is ₹2,87,300 a year and the monthly in-hand is ₹1,64,192, 79% of the CTC.

New regime or old regime?

With ₹1.5 lakh of 80C and nothing else, the new regime wins at every CTC on this ladder. The old regime only catches up when the deductions are large: HRA on high rent, home-loan interest under Section 24(b), 80D premiums and NPS on top of 80C. The old vs new regime calculator finds the break-even deduction for your own salary.

Method and sources

Gross = CTC − employer PF. Taxable income = gross − standard deduction (− 80C in the old column). Tax is the slab tax less the Section 87A rebate, plus surcharge where applicable and 4% health and education cess, exactly as in our methodology. Slabs, deduction and rebate are the Finance Act figures for FY 2026-27 (AY 2027-28); Budget 2026 (1 February 2026) left them as Budget 2025 set them. Professional tax is the Karnataka Tax on Professions, Trades, Callings and Employments Act rate.

Cite this page as: AllSmartCalculators, “In-hand salary by CTC, India, FY 2026-27 (AY 2027-28)”, https://allsmartcalculators.com/finance/in-hand-salary-by-ctc, verified 2026-10-10. The CSV carries every intermediate figure (basic, both PF shares, gross, tax under each regime).

Questions people ask

What percentage of CTC is in-hand salary in India?

Between roughly 90% at ₹3 LPA and 63% at ₹1 crore under the new regime with a 40% basic. Employer PF (4.8% of CTC) never reaches you, your own PF is another 4.8%, and income tax takes an increasing share once taxable income passes ₹12 lakh.

Why is tax zero up to ₹12 LPA in the table?

Under the new regime the Section 87A rebate cancels all tax when taxable income is ₹12,00,000 or less. With the ₹75,000 standard deduction and employer PF removed from gross, a CTC of about ₹13.4 lakh still has taxable income under the limit.

Which assumptions does the table use?

Basic at 40% of CTC, PF at 12% of basic on both sides, Karnataka professional tax of ₹2,400 a year, the new regime with only the standard deduction, and the old regime with ₹1,50,000 of Section 80C deductions and the ₹50,000 standard deduction. No HRA exemption, no bonus, no ESI.

My payslip shows a different figure. Why?

Your employer’s basic percentage is the biggest reason: a 50% basic raises PF and lowers in-hand. Flexible benefits, a performance bonus paid once a year, a different state’s professional tax, or ESI below ₹21,000 a month all move the number. Put your own figures into the in-hand salary calculator.

Can I reuse this table?

Yes. Download the CSV, or cite the page with a link. The figures are computed by the same code as the calculator, and the date the slabs were last verified is printed on the page.