40,000 CTC ka in-hand kitna hota hai?

Agar Rs 40,000 mahina CTC hai (Rs 4.8 lakh saal ka), to standard structure par in-hand lagbhag ₹36,200 mahina hoga (Tax year 2026-27, new regime, PF 12% of basic, professional tax Rs 200 mahina). Is income par income tax nahi lagta.

What is the in-hand salary for 5.5 LPA?

About ₹42,033 a month under the new regime for Tax year 2026-27, with basic at 40% of CTC and PF on basic up to Rs 15,000. There is no income tax at this salary in the new regime.

What is the in-hand salary for 12 LPA?

About ₹96,200 a month under the new regime for Tax year 2026-27. Income tax is nil because taxable income stays under Rs 12 lakh after the standard deduction.

How do I calculate in-hand salary from CTC?

Subtract employer PF and gratuity (if included) from CTC to get gross salary. Then subtract employee PF, professional tax and income tax. Divide by 12 for the monthly in-hand.

How much CTC do I need for Rs 1 lakh a month in hand?

About ₹12,45,601 (12.5 LPA) a year under the new regime with the default structure. Use "In-hand to CTC" mode for your own numbers.

It is an estimate. Your offer letter decides the real split of basic, HRA and allowances, whether PF is on capped or full basic, and whether gratuity is in CTC. Change those settings to match it.

CTC to In-Hand Salary Calculator

Type your CTC (like 5.5 LPA) and see your monthly take-home after PF, professional tax and income tax for Tax year 2026-27, with every line of the calculation shown. Change the salary structure to match your offer letter, or work backwards from the in-hand amount you want.

Calculate

Annual CTC (e.g. 5.5 LPA, 12 lakh, 900000)

Tax regime

Monthly in-hand salary on 12 LPA CTC

₹96,200

New regime, Tax year 2026-27. The old regime would give ₹12,464 a month less with these inputs.

Component	Yearly	Monthly
Basic salary	₹4,80,000	₹40,000
HRA	₹2,40,000	₹20,000
Special allowance	₹4,58,400	₹38,200
Employer PF (part of CTC, not paid monthly)	- ₹21,600	- ₹1,800
Gross salary	₹11,78,400	₹98,200
Employee PF	- ₹21,600	- ₹1,800
Professional tax	- ₹2,400	- ₹200
Income tax (incl. cess)	₹-0	₹-0
Take-home pay	₹11,54,400	₹96,200

Taxable income ₹11,03,400 after the ₹75,000 standard deduction. Rebate applied: ₹50,340.

Salary structure and deductions (change to match your offer letter)

Basic (% of CTC)

HRA (% of basic)

Provident fund (PF)

Professional tax (yearly)

Depends on your state; some states have none. The maximum is Rs 2,500 a year.

Tax year

Gratuity is included in my CTC

4.81% of basic, paid only when you leave after 5 years.

An estimate from the salary structure above. Your offer letter's actual split, bonuses and variable pay change the real figure. Compare regimes in detail with the old vs new tax regime calculator.

What this calculator covers

Salaried employees in India

Income tax for Tax year 2026-27, PF, professional tax and gratuity.

Old regime with rent and investments

Enter rent for the HRA exemption, plus 80C and 80D.

Bonus, variable pay, ESOPs

Not included unless you add them to CTC yourself. They are often paid once a year.

Capital gains or business income

This covers salary only.

Compare tax regimes

Features

Income tax for Tax year 2026-27, new or old regime, with the rebate and marginal relief
Full breakdown: basic, HRA, special allowance, PF, gratuity, professional tax
Reverse mode: the CTC you need for a monthly in-hand amount
Adjustable basic %, HRA %, PF rule and gratuity, to match your offer letter
Old regime extras: HRA exemption from your rent, 80C and 80D
Shows how much the other regime would change your take-home

When people use it

Comparing job offers

Two offers with different CTCs and structures can pay out very differently each month.

Negotiating salary

Know the CTC to ask for to reach the monthly take-home you need.

Choosing a tax regime

See the monthly effect of the new vs old regime on your own salary.

How CTC becomes in-hand salary

In-hand salary for common CTCs (Tax year 2026-27, new regime)

Assumes basic is 40% of CTC, HRA is 50% of basic, PF is 12% of basic up to Rs 15,000 a month, professional tax is Rs 2,400 a year, and gratuity is not part of CTC.

3 LPA CTC: about ₹22,400 a month in hand
4 LPA CTC: about ₹29,933 a month in hand
5 LPA CTC: about ₹37,867 a month in hand
5.5 LPA CTC: about ₹42,033 a month in hand
6 LPA CTC: about ₹46,200 a month in hand
8 LPA CTC: about ₹62,867 a month in hand
10 LPA CTC: about ₹79,533 a month in hand
12 LPA CTC: about ₹96,200 a month in hand
15 LPA CTC: about ₹1,13,356 a month in hand
20 LPA CTC: about ₹1,47,208 a month in hand
25 LPA CTC: about ₹1,78,445 a month in hand

What comes out of your CTC

Employer PF and gratuity are part of CTC but are not paid to you each month.
Employee PF (12% of basic) and professional tax are deducted from your salary.
Income tax (TDS) is deducted monthly. Under the new regime, a salary up to about Rs 12.75 lakh has no tax because of the Rs 75,000 standard deduction and the Rs 60,000 rebate.
Bonuses, variable pay and reimbursements are not part of monthly in-hand unless your employer pays them monthly.