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Pre-computed · FY 2026-27

In Hand Salary for Every CTC — India FY 2026-27 Reference Table

Our In Hand Salary Table is a precalculated CTC to in hand reference table. Check salary package brackets from 5 LPA to 50 LPA side-by-side to understand your take-home pay structures.

TAX REGIME
BASIC %
STATE
ANNUAL CTC GROSS / MO INCOME TAX / YR EPF / MO IN HAND / MO TAKE HOME
Popular range Zero tax Low tax Higher tax

Gratuity included, no bonus assumed. For planning only.

How to Use the In-Hand Salary Table to Analyze Job Offers

When evaluating employment packages in India, the figure written on your offer letter is the Cost to Company (CTC). This represents the total expense the employer incurs on you annually, but it does not represent your monthly in-hand take-home pay. Our precalculated reference table helps you instantly compare standard CTC slabs side-by-side to see what different offers actually translate to after monthly provident fund savings, gratuity provisions, and income tax deductions.

Understanding CTC vs. Gross vs. Net Salary

A standard Indian salary structure is divided into three levels:

  • Cost to Company (CTC): The overall annual budget which includes your gross pay plus retiral benefits like Employer Provident Fund (EPF) and Gratuity.
  • Gross Salary: Your salary before tax deductions, calculated by subtracting retiral benefits from the CTC.
  • Net Salary (In-Hand Pay): The actual monthly amount deposited in your bank account, which is your Gross Salary minus employee deductions like Professional Tax (PT), Employee EPF, and Income Tax (TDS).

Key Deductions that Reduce Your Monthly Take-Home Pay

Your take-home pay is primarily reduced by three standard payroll deductions:

  1. Provident Fund (EPF): Salaried employees contribute 12% of their basic salary to the Employees' Provident Fund (EPF). Additionally, the employer matches this 12% contribution. While the employer's portion is listed inside your CTC, the employee's portion is deducted directly from your monthly gross pay.
  2. Professional Tax (PT): A state-level tax capped at ₹2,500 per year (typically ₹200 per month). States like Maharashtra, Karnataka, Tamil Nadu, and West Bengal levy this deduction, while Delhi NCR has no professional tax.
  3. Income Tax (TDS): Deducted monthly by your employer's payroll system based on your chosen tax regime. Under the default New Tax Regime, taxable income up to ₹7 Lakhs receives a full rebate under Section 87A, resulting in zero tax liability.

Frequently Asked Questions (FAQs)

What is a good in-hand salary for a 12 LPA CTC?
For a CTC of 12 LPA, your gross monthly pay is around ₹91,000. Under the New Tax Regime (assuming standard deductions and no additional bonuses), your regular monthly in-hand take-home salary will be approximately ₹81,500 to ₹83,000 per month, depending on your state's professional tax slabs.
Why does my monthly payout not match my CTC divided by 12?
Your CTC includes indirect employee benefits such as Employer PF contributions (12% of basic), Gratuity provisions (4.81% of basic), and annual variable performance bonuses. Since these are either paid out yearly/quarterly or deposited directly into your retirement accounts, they are subtracted from your monthly bank transfer.
Which tax regime gives a higher monthly in-hand salary?
Generally, the New Tax Regime provides a higher monthly in-hand salary because it has lower tax slabs, resulting in less TDS deducted by your employer. However, if you have high tax-saving investments under the Old Regime (such as HRA, Home Loan, Section 80C, etc.), you can claim a larger tax refund at the end of the year.

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