₹30 LPA In-Hand Salary 2026-27: ₹1,95,150/month After Tax
Complete ₹30 LPA salary breakdown for FY 2026-27 — in-hand pay, old vs new regime, EPF, and the regime break-even point.
⚠️ 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.
₹30 LPA is the badge band of Indian tech — staff engineers, senior managers, and the level where offer letters stop being salary and start being portfolios: cash, bonus, RSUs, sometimes ESOPs. Here's what the cash component honestly pays in FY 2026-27.
₹30 LPA: the full breakdown, both regimes
| New regime (no deductions) | Annual |
|---|---|
| Gross CTC | ₹30,00,000 |
| Standard deduction | −₹75,000 |
| Taxable income | ₹29,25,000 |
| Income tax (incl. surcharge + cess) | −₹4,75,800 |
| Employee EPF (12% of basic) | −₹1,80,000 |
| Professional tax | −₹2,400 |
| Annual in-hand | ₹23,41,800 |
| Monthly in-hand | ₹1,95,150 |
| Old regime (no deductions claimed) | Annual |
|---|---|
| Gross CTC | ₹30,00,000 |
| Standard deduction | −₹50,000 |
| Taxable income | ₹29,50,000 |
| Income tax (incl. surcharge + cess) | −₹7,25,400 |
| Employee EPF (12% of basic) | −₹1,80,000 |
| Professional tax | −₹2,400 |
| Annual in-hand | ₹20,92,200 |
| Monthly in-hand | ₹1,74,350 |
With no deductions beyond the standard deduction, the new regime leaves you ₹20,800 more in hand every month at ₹30 LPA (that is ₹2,49,600 a year).
Assumptions: full CTC treated as taxable salary, basic = 50% of CTC, employee EPF = 12% of basic, professional tax ₹2,400/year, standard deduction applied. FY 2026-27 slab rates.
₹30 LPA cash: just under ₹2 lakh a month
The 30% slab now covers everything above ₹24 lakh taxable: total tax on a ₹30 LPA cash package is about ₹4.76 lakh with cess — effective rate near 16% — leaving roughly ₹1.95 lakh a month after EPF and professional tax. The slab-by-slab tables above show where each rupee goes. Note the assumption that matters most at this band: these figures treat the full ₹30 lakh as fixed taxable salary, which brings us to the next section.
If your ₹30 LPA includes RSUs, read this first
At this band, '₹30 LPA' frequently means ₹22–24 lakh cash plus equity. RSUs are taxed as salary at your marginal rate on the day they vest — at valuations you don't control — and listed-company shares then face capital gains on any growth after vesting. When comparing offers, run this page's math on the cash component only, value the equity separately with a haircut for vesting risk and volatility, and never budget monthly life against unvested paper.
The allocation question ₹30 LPA forces
With ₹1.9 lakh a month coming in, the binding constraint stops being income and becomes structure: an emergency fund measured in months of a bigger burn rate, equity SIPs of ₹60,000–80,000 a month, and — the step most skip — deciding what the money is for. At a 12% assumption, ₹70,000 a month reaches ₹1 crore in under 8 years and ₹3.5 crore in 15. Financial independence math starts being a spreadsheet exercise, not a fantasy, precisely at this band.
Frequently asked questions
- What is the in-hand salary for ₹30 LPA in FY 2026-27?
- Under the new tax regime, a ₹30 LPA CTC works out to roughly ₹1,95,150 per month (₹23,41,800 a year) after income tax, 12%-of-basic employee EPF, and professional tax, assuming basic pay is 50% of CTC.
- Which tax regime is better at ₹30 LPA?
- With no deductions beyond the standard deduction, the new regime leaves ₹20,800 more per month in hand at ₹30 LPA. The old regime only catches up if your claimed deductions reach the break-even figure shown on this page.
- How much tax do I pay on ₹30 LPA in FY 2026-27?
- On a fully-cash ₹30 LPA package under the new regime: about ₹4.76 lakh including cess (effective ≈ 16%), computed slab by slab in the tables above. Surcharge does not apply — that starts only above ₹50 lakh of income.
- What is the in-hand salary for ₹30 LPA per month?
- Roughly ₹1.95 lakh a month with a standard 50%-basic structure and full EPF, after ≈ ₹4.76 lakh annual tax. If a chunk of the package is variable or RSUs, compute the monthly figure on fixed cash only — vesting equity arrives on its own calendar and its own tax event.