In-Hand Salary Chart India FY 2026-27: CTC to Take-Home
What every CTC actually pays per month in FY 2026-27 — in-hand salary chart under the new regime, with per-LPA breakdowns of tax, EPF, and old-vs-new regime math.
⚠️ Not financial advice. Figures are estimates from the stated assumptions and should not be the basis for any investment, tax, or financial decision. Consult a qualified financial adviser or chartered accountant.
Every salary negotiation in India runs on CTC, and every household budget runs on in-hand — this chart bridges the two for FY 2026-27. Figures use the new tax regime with a standard 50%-basic structure; click any row for the full breakdown, the old-regime comparison, and the deduction level at which switching regimes pays.
| CTC | Monthly in-hand (new regime) | Annual income tax | Full breakdown |
|---|---|---|---|
| ₹6 LPA | ₹46,800 | ₹0 | ₹6 LPA details → |
| ₹7 LPA | ₹54,633 | ₹0 | ₹7 LPA details → |
| ₹8 LPA | ₹62,467 | ₹0 | ₹8 LPA details → |
| ₹9 LPA | ₹70,300 | ₹0 | ₹9 LPA details → |
| ₹10 LPA | ₹78,133 | ₹0 | ₹10 LPA details → |
| ₹11 LPA | ₹85,967 | ₹0 | ₹11 LPA details → |
| ₹12 LPA | ₹93,800 | ₹0 | ₹12 LPA details → |
| ₹13 LPA | ₹99,467 | ₹26,000 | ₹13 LPA details → |
| ₹14 LPA | ₹1,02,642 | ₹81,900 | ₹14 LPA details → |
| ₹15 LPA | ₹1,09,175 | ₹97,500 | ₹15 LPA details → |
| ₹16 LPA | ₹1,15,708 | ₹1,13,100 | ₹16 LPA details → |
| ₹17 LPA | ₹1,22,133 | ₹1,30,000 | ₹17 LPA details → |
| ₹18 LPA | ₹1,28,233 | ₹1,50,800 | ₹18 LPA details → |
| ₹19 LPA | ₹1,34,333 | ₹1,71,600 | ₹19 LPA details → |
| ₹20 LPA | ₹1,40,433 | ₹1,92,400 | ₹20 LPA details → |
| ₹21 LPA | ₹1,46,425 | ₹2,14,500 | ₹21 LPA details → |
| ₹22 LPA | ₹1,52,092 | ₹2,40,500 | ₹22 LPA details → |
| ₹23 LPA | ₹1,57,758 | ₹2,66,500 | ₹23 LPA details → |
| ₹24 LPA | ₹1,63,425 | ₹2,92,500 | ₹24 LPA details → |
| ₹25 LPA | ₹1,68,983 | ₹3,19,800 | ₹25 LPA details → |
| ₹26 LPA | ₹1,74,217 | ₹3,51,000 | ₹26 LPA details → |
| ₹27 LPA | ₹1,79,450 | ₹3,82,200 | ₹27 LPA details → |
| ₹28 LPA | ₹1,84,683 | ₹4,13,400 | ₹28 LPA details → |
| ₹29 LPA | ₹1,89,917 | ₹4,44,600 | ₹29 LPA details → |
| ₹30 LPA | ₹1,95,150 | ₹4,75,800 | ₹30 LPA details → |
| ₹35 LPA | ₹2,21,317 | ₹6,31,800 | ₹35 LPA details → |
| ₹40 LPA | ₹2,47,483 | ₹7,87,800 | ₹40 LPA details → |
| ₹45 LPA | ₹2,73,650 | ₹9,43,800 | ₹45 LPA details → |
| ₹50 LPA | ₹2,99,817 | ₹10,99,800 | ₹50 LPA details → |
How to read this chart
The monthly figure is what lands in your bank account after income tax (including cess), your 12%-of-basic EPF contribution, and professional tax. It deliberately excludes variable pay and one-time components — those are negotiation topics, not monthly money. If your offer letter shows a different basic percentage or a large variable slice, the linked per-salary pages explain how each piece moves the number, and the calculator accepts your exact structure.
Frequently asked questions
- Why is my in-hand salary so much lower than CTC ÷ 12?
- CTC includes employer costs (employer EPF, gratuity accrual, insurance premiums) that never reach your account, and your own income tax, 12% employee EPF, and professional tax are deducted from what remains. Depending on structure, monthly in-hand typically lands at 70–80% of CTC ÷ 12.
- Are these figures old regime or new regime?
- The chart shows the FY 2026-27 new regime with the ₹75,000 standard deduction and no other deductions — the default that most salaried filers now use. Each linked page also computes the old regime and the exact deduction level at which it becomes worth switching.
- What assumptions does this chart make?
- Full CTC treated as taxable salary, basic pay = 50% of CTC, employee EPF = 12% of basic, professional tax ₹2,400/year. Real payslips differ with variable pay, flexi benefits, and employer PF treatment — use the take-home salary calculator with your actual structure for a personal figure.