Salary guide
In-hand salary
In-hand salary is the money that reaches your bank account each month after deductions. Start from your CTC, take out the employer's PF if it is part of the CTC, then subtract your own PF, professional tax and income tax. Under the new tax regime, a salaried person pays no income tax up to ₹12.75 lakh a year.
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Every figure on these pages is worked out for FY 2026-27 from the Income Tax Department’s rates. Pick your CTC to see the full breakdown.
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How much is your LPA in-hand salary per month?
Monthly in-hand pay for common CTCs under the new tax regime, with the employer’s PF inside or on top of the CTC. Pick a CTC for its full breakdown.
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Salary terms
In-hand salary by CTC
- 3.5 LPA in-hand salary per month
- 4 LPA in-hand salary per month
- 5 LPA in-hand salary per month
- 6 LPA in-hand salary per month
- 7 LPA in-hand salary per month
- 8 LPA in-hand salary per month
- 10 LPA in-hand salary per month
- 12 LPA in-hand salary per month
- 15 LPA in-hand salary per month
- 20 LPA in-hand salary per month
How do you calculate in-hand salary from CTC?
Work down from the CTC on your offer letter. The order matters, because some parts of the CTC never reach your account.
- Take out the employer's PF if your offer letter counts it inside the CTC. It goes to your PF account, not your bank.
- What is left is your gross salary: basic pay, HRA and allowances.
- Subtract your own PF, which is 12% of basic pay.
- Subtract professional tax, a small state tax that depends on where you work.
- Subtract income tax. Under the new regime you get a ₹75,000 standard deduction, and the rebate makes the tax nil when taxable income is ₹12 lakh or less.
What remains, divided by 12, is your monthly in-hand salary.
What is the meaning of gross salary?
Gross salary is your pay before any deductions: basic pay plus HRA and every allowance. It is lower than your CTC when the employer's PF, gratuity or insurance are counted inside the CTC, because those never reach you as salary. Your in-hand salary is gross salary minus your PF, professional tax and income tax.
On a payslip, gross salary is usually the total of the earnings column. What LPA and CTC mean explains the other words on an offer letter.
Why does the same CTC give different in-hand pay?
Two offers with the same CTC can pay different amounts each month. The usual reasons:
- The employer's PF is inside the CTC in one offer and on top of it in the other.
- One CTC includes variable pay or a joining bonus, which is paid once a year or only once.
- Gratuity or insurance is counted in the CTC.
- Professional tax differs from state to state.
Ask HR for the fixed monthly gross before you compare offers. When you are ready to say yes, see the offer letter acceptance mail templates.
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Questions freshers ask
In-hand salary, or take-home pay, is what your employer pays into your bank account each month. It is your gross salary minus your PF contribution, professional tax and income tax deducted at source (TDS).
Yes. In-hand, take-home and net salary all mean the amount you receive after deductions. Gross salary is the figure before deductions.
None if your salary is up to ₹12.75 lakh a year, because of the ₹75,000 standard deduction and the rebate. Above that, tax follows the slabs plus 4% cess. Each salary page here shows the full working for FY 2026-27.
No. The employer's PF goes into your PF account, not your salary. If your offer letter counts it inside the CTC, your monthly pay is lower than with an offer that pays it on top. Every salary page shows both cases.
Find the CTC closest to yours in the table on this page. Each page shows the monthly breakdown, the income tax working and the assumptions behind it, with links to the Income Tax Department.