Rules reviewed 9 November 2026. EPF wage ceiling now ₹25,000 a month, from 17 September 2026.
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In-hand salary by CTC

Monthly take-home for common CTC packages under the new tax regime.

CTCMonthly in-hand (₹)Yearly tax (₹)Tax as % of CTC
3 LPA22,40000.0%
4 LPA29,93300.0%
5 LPA37,46700.0%
6 LPA45,00000.0%
7 LPA52,53300.0%
8 LPA60,46700.0%
9 LPA68,80000.0%
10 LPA77,13300.0%
12 LPA93,80000.0%
15 LPA1,11,14391,8846.1%
18 LPA1,31,8571,43,3128.0%
20 LPA1,45,0571,84,9129.2%
25 LPA1,76,3723,09,14012.4%
30 LPA2,05,0864,64,56815.5%
40 LPA2,62,4197,76,56819.4%
50 LPA3,19,75310,88,56821.8%
Figures assume basic salary at 40% of CTC, PF on basic capped at the wage ceiling, employer PF inside CTC and professional tax of ₹200 a month. Change any of these in the calculator.