India Salary Guide FY 2026-27
Real in-hand salaries for every CTC - from freshers at 5 LPA to senior roles at 50 LPA. Updated for Budget 2026 with new tax regime, Rs.12L zero-tax rebate, and variable pay.
In-Hand Salary Table FY 2026-27
New tax regime · Metro city · Basic = 50% of CTC · Employer PF excluded from gross
| CTC | Monthly In-Hand | Annual In-Hand | Income Tax | Tax Note | Calculator |
|---|---|---|---|---|---|
| 5 LPA | ₹37,550 | ₹4.51L | ₹0 | 87A rebate | Calculate → |
| 7 LPA | ₹53,370 | ₹6.40L | ₹0 | 87A rebate | Calculate → |
| 8 LPA | ₹61,080 | ₹7.33L | ₹0 | 87A rebate | Calculate → |
| 10 LPA | ₹77,100 | ₹9.25L | ₹0 | 87A rebate | Calculate → |
| 12 LPA | ₹92,720 | ₹11.13L | ₹0 | 87A rebate | Calculate → |
| 15 LPA | ₹1,06,450 | ₹12.77L | ₹62,400 | New regime | Calculate → |
| 18 LPA | ₹1,24,380 | ₹14.93L | ₹1,43,520 | New regime | Calculate → |
| 20 LPA | ₹1,37,200 | ₹16.46L | ₹2,02,800 | New regime | Calculate → |
| 25 LPA | ₹1,63,550 | ₹19.63L | ₹3,74,400 | New regime | Calculate → |
| 30 LPA | ₹1,89,500 | ₹22.74L | ₹5,86,800 | New regime | Calculate → |
Approximate. Use the calculator for exact figures with your specific deductions and city.
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Free Salary Calculators
CTC to In-Hand
Full breakdown: PF, HRA, tax, special allowance. Variable pay support.
In-Hand Salary
Monthly take-home with salary chart. New & old regime.
Tax Estimator
New vs old regime. Add NPS, HRA, home loan deductions.
EPF Calculator
30-year corpus at 8.25%. Employee + employer breakdown.
HRA Exemption
Section 10(13A). Metro vs non-metro. Tax saved amount.
Gratuity
Payment of Gratuity Act formula. Service rounding included.
Notice Period Buyout
Daily rate × remaining days + tax impact calculation.
Detailed Salary Breakdown by CTC
Budget 2026 Key Changes for Salaried
Zero Tax up to ₹12 Lakh
Section 87A rebate enhanced to ₹60,000 under new regime. If your net taxable income is ₹12L or below, you pay zero income tax.
Standard Deduction ₹75,000
Increased from ₹50,000 to ₹75,000 for salaried under new regime. Directly reduces taxable income by ₹75,000.
New Tax Slabs
₹4-8L: 5% → ₹8-12L: 10% → ₹12-16L: 15% → ₹16-20L: 20% → ₹20-24L: 25% → Above ₹24L: 30%.
EPF Rate 8.25%
EPFO declared 8.25% interest for FY 2024-25. Expected to continue FY 2026-27. Employee + employer contributions compound at this rate.
How In-Hand Salary Is Calculated
Basic = 50% of Fixed CTC
Most Indian companies (IT, corporate) use 50% of fixed CTC as basic salary. Higher basic = higher PF deduction but also higher HRA allowance.
HRA = 50% (metro) / 40% (non-metro) of Basic
Metro cities: Mumbai, Delhi, Chennai, Kolkata. All other cities are non-metro. HRA exemption only available under old tax regime.
Gross = CTC − Employer PF − Gratuity
Employer PF (3.67% of basic, max ₹1,800/month) and gratuity provision (4.81% of basic) are CTC costs not credited to your salary account.
Deductions: Employee PF + PT + TDS
Employee PF = 12% of basic (max ₹1,800/month). Professional Tax = ₹200/month (varies by state). TDS = estimated income tax / 12.
In-Hand = Gross − All Deductions
What reaches your bank account every month. Variable pay/bonus comes separately, typically quarterly or annually.