In-Hand Salary for 10 to 40 LPA: Monthly Take-Home Table

On a ₹20 lakh CTC, your in-hand salary works out to about ₹1,41,874 a month under the new tax regime for Tax Year 2026-27 (FY 2026-27). ₹18 lakh gives about ₹1,28,992 a month, ₹25 lakh about ₹1,72,656, ₹30 lakh about ₹2,00,941 and ₹40 lakh about ₹2,56,896. These figures assume a very common salary structure: basic pay at 50% of CTC, PF on the ₹25,000 wage ceiling, gratuity shown inside the CTC and ₹2,500 a year of professional tax.

Every number below comes from the site's in-hand salary calculator, so you can change any assumption and get your own figure. You'll find the full table from ₹6 lakh to ₹50 lakh, a line-by-line breakdown of a ₹20 lakh CTC, and how much the answer moves when your employer structures the salary differently.

In-hand salary table: ₹6 lakh to ₹50 lakh CTC

The table uses these assumptions, which match a typical private-sector offer letter as of October 2026:

• Basic pay is 50% of CTC. Under the Labour Codes, allowances above half your pay are counted as wages anyway, so many employers now set basic at 50%.
• PF is worked out on the ₹25,000 wage ceiling. You and your employer each put 12% of ₹25,000, or ₹3,000 a month, into PF. The employer's share is part of your CTC.
• Gratuity is inside the CTC at 4.81% of basic.
• Professional tax is ₹2,500 a year, the rate in Maharashtra and Karnataka.
• New tax regime with the ₹75,000 standard deduction, no other income, and tax spread evenly over 12 months.
• No variable pay, joining bonus, employer NPS or HRA exemption.

Three patterns stand out. First, up to a CTC of about ₹13.4 lakh you pay no income tax at all: gross salary minus the ₹75,000 standard deduction stays within ₹12 lakh, and the rebate (still called "87A", now section 156 of the Income-tax Act, 2025) cancels the tax. Second, the share of CTC you keep as cash peaks near ₹12 lakh (about 91%) and then falls, to 85% at ₹20 lakh and 75% at ₹50 lakh, as more of each raise goes in tax. Third, at ₹6 lakh you keep only 85% because the fixed ₹72,000 a year of PF (yours plus your employer's) is a big slice of a small CTC.

At ₹50 lakh the taxable income is ₹47,68,750, just under the ₹50 lakh level where a 10% surcharge starts. A CTC a little higher than that pays surcharge on top. For a slab-by-slab view of the tax itself, see new tax regime slabs for 2026-27.

The flat zone between ₹13.4 lakh and ₹14.2 lakh

Just above the rebate limit, marginal relief caps your tax at the amount by which taxable income exceeds ₹12 lakh, and the 4% cess is added on top of that. The result is a band where a higher CTC does not raise take-home pay. With the assumptions above, a ₹13.44 lakh CTC gives ₹1,03,039 a month, ₹14 lakh gives ₹1,02,857 and ₹14.16 lakh gives ₹1,02,831. Only from about ₹14.2 lakh (₹1,03,106) does the monthly figure start climbing again. If an offer lands in this band, a slightly higher CTC buys you nothing in cash.

Where every rupee of a ₹20 lakh CTC goes

Here is the ₹20 lakh CTC taken apart. Basic pay is ₹10,00,000 a year (₹83,333 a month); the rest of the gross salary is usually paid as HRA and a special allowance. Monthly figures are rounded.

How the income tax of ₹1,74,907 is worked out:

1. Taxable income = gross salary ₹19,15,900 − standard deduction ₹75,000 = ₹18,40,900.
2. Slab tax: nil on the first ₹4 lakh, then 5% of the next ₹4 lakh (₹20,000), 10% of the next ₹4 lakh (₹40,000), 15% of the next ₹4 lakh (₹60,000) and 20% of the remaining ₹2,40,900 (₹48,180). Total ₹1,68,180.
3. No rebate, because taxable income is above ₹12 lakh. Add 4% health and education cess of ₹6,727. Total tax: ₹1,74,907, or ₹14,576 a month.

Two lines of the CTC never reach your bank account. The employer's PF of ₹36,000 goes into your PF and pension accounts, so it is still your money, just saved for retirement; the guide to the new ₹25,000 EPF wage ceiling explains how that limit changed in September 2026. The gratuity provision of ₹48,100 is paid only when you leave after five years of service; see how gratuity is calculated.

How the answer changes with your salary structure

Two people with the same ₹20 lakh CTC can take home quite different amounts. The table changes one assumption at a time; everything else stays as in the base case above.

PF on full basic instead of the ceiling

Some employers deduct 12% of your full basic instead of 12% of ₹25,000. On ₹10 lakh basic that is ₹1,20,000 a year from you and another ₹1,20,000 from the employer, both inside the CTC. Gross salary falls to ₹18,31,900, income tax falls to ₹1,57,435, and monthly in-hand drops to ₹1,29,330, which is ₹12,544 less.

You haven't lost that money. Your PF and pension accounts now receive ₹20,000 a month instead of ₹6,000, and the PF part earns interest (8.25% for FY 2025-26). PF on pay above the ceiling is optional, and both you and your employer have to opt for it. The EPF calculator shows what each choice adds up to by retirement.

Old regime with HRA: one realistic case

Say you live in Bengaluru, pay rent of ₹30,000 a month, and your HRA is half your basic (₹41,667 a month). You also use the full ₹1.5 lakh under section 80C: your ₹36,000 of PF plus ₹1,14,000 in PPF or ELSS.

• The tax-free HRA is the least of three amounts: HRA received (about ₹5 lakh), rent minus 10% of basic (₹3,60,000 − ₹1,00,000 = ₹2,60,000), and 50% of basic (about ₹5 lakh, because Bengaluru is one of the eight 50% cities from Tax Year 2026-27). So ₹2,60,000 is exempt.
• Old-regime deductions: standard deduction ₹50,000 + 80C ₹1,50,000 + HRA ₹2,60,000 + professional tax ₹2,500 = ₹4,62,500.
• Taxable income is ₹14,53,400 and tax with cess is ₹2,58,461.

That is ₹83,554 a year more than the new regime's ₹1,74,907, so monthly in-hand falls to ₹1,34,912. Adding a ₹25,000 health insurance premium under 80D only narrows the gap to ₹75,754. At this salary, the old regime needs deductions well beyond HRA and 80C to come out ahead. Check your own figures with the HRA calculator and the income tax calculator, and read the old vs new regime break-even guide and the HRA exemption guide.

Gratuity not included in CTC

If your offer letter keeps gratuity outside CTC, the ₹48,100 is paid as salary instead. In-hand rises to ₹1,45,049 a month, even though tax goes up a little to ₹1,84,912. You are still entitled to gratuity by law after five years; the employer simply pays it on top of your CTC.

A state with no professional tax

Professional tax is a state levy, capped at ₹2,500 a year. Maharashtra charges ₹200 a month and ₹300 in February; Karnataka charges ₹2,500 a year once your salary is ₹25,000 a month or more. Delhi, Haryana and Uttar Pradesh don't levy it, so someone working in Delhi, Gurugram or Noida keeps ₹209 a month more (₹1,42,083). The new regime gives no deduction for professional tax, so it cuts take-home rupee for rupee.

Why your payslip may still differ

The calculator handles PF, gratuity, professional tax and income tax. These common items are outside it, and each can move your actual credit:

• Variable pay. Many CTCs include a performance bonus paid once or twice a year, and only if targets are met. It is not part of the monthly in-hand. Enter only the fixed part of your CTC in the calculator, and expect a bigger tax deduction in the month the bonus is paid.
• Joining bonus. A one-time payment, taxed as salary in the month you receive it. Offer letters often ask you to repay it if you leave within a set period, so read that clause before you sign.
• Employer NPS. Some employers move part of the CTC into your NPS account. In the new regime, employer contributions up to 14% of basic + DA are deductible, so your tax falls, but that money is locked in until you exit; see the NPS withdrawal rules.
• Other items counted in CTC. EDLI insurance and PF admin charges (each around 0.5% of PF wages), group health insurance premiums, meal cards and reimbursements can all be part of CTC. Each one shrinks the cash part.
• Uneven TDS. Your employer re-estimates your annual tax every month. A mid-year raise or late investment proofs can push the deduction in January to March above the even one-twelfth used here.

If you are weighing a salaried offer against freelance work, it helps to convert the in-hand figure into an hourly rate; the salary to hourly rate guide shows how.

This is general information based on the stated assumptions, not tax advice; your employer's actual salary structure decides the final figure.

Frequently asked questions

What is the in-hand salary for 18 LPA?

About ₹1,28,992 a month under the new regime, with basic at 50% of CTC, PF on the ₹25,000 ceiling, gratuity inside CTC and ₹2,500 professional tax. Income tax is ₹1,34,308 a year. If PF is deducted on your full basic, the monthly figure is lower.

How much tax is paid on a 25 LPA salary?

On a ₹25 lakh CTC with the same assumptions, the gross salary is ₹24,03,875 and the new-regime tax is ₹2,93,508 a year, about ₹24,459 a month. That leaves ₹1,72,656 a month in hand.

Up to what CTC is there no income tax in the new regime?

A salary of up to ₹12.75 lakh is tax-free because of the ₹75,000 standard deduction and the rebate up to ₹12 lakh of taxable income. Because PF and gratuity come out of CTC first, that equals a CTC of about ₹13.4 lakh with this structure: ₹13.43 lakh pays nil, ₹13.44 lakh pays ₹704.

Did the new PF wage ceiling reduce my in-hand salary?

If your basic is ₹25,000 or more and your PF was capped at ₹1,800 a month, your own PF rose to ₹3,000 from 17 September 2026, so take-home can fall by up to ₹1,200 a month. The money goes into your PF account instead.

Which tax regime gives a higher in-hand salary?

For most salaried people between ₹10 lakh and ₹40 lakh with only HRA and 80C to claim, the new regime leaves more in hand, as the Bengaluru example shows. Big deductions such as home-loan interest can change that, so compare both with your own numbers.

Sources: Income-tax Act, 2025 and Income-tax Rules, 2026 (slabs, rebate, standard deduction, Rule 279 for HRA); Finance Act, 2026; Ministry of Labour and Employment press release on the EPF wage ceiling, 16 September 2026; Code on Social Security, 2020; Maharashtra and Karnataka professional tax schedules. Figures from the EthicalFusion in-hand salary calculator, October 2026.