In-Hand Salary Chart India FY 2026-27: CTC to Take-Home for Every LPA
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 |
|---|---|---|---|
| ₹10 LPA | ₹78,133 | ₹0 | ₹10 LPA details → |
| ₹12 LPA | ₹93,800 | ₹0 | ₹12 LPA details → |
| ₹15 LPA | ₹1,09,175 | ₹97,500 | ₹15 LPA details → |
| ₹18 LPA | ₹1,28,233 | ₹1,50,800 | ₹18 LPA details → |
| ₹20 LPA | ₹1,40,433 | ₹1,92,400 | ₹20 LPA details → |
| ₹25 LPA | ₹1,68,983 | ₹3,19,800 | ₹25 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.