In-hand salary for every CTC 2026-27
Take-home pay for each yearly CTC from ₹3,00,000 to ₹50,00,000: steps of ₹1 lakh up to ₹20 lakh, then steps of ₹5 lakh. Click a CTC to see the breakdown under the new and the old regime.
Assumes the CTC includes the employer EPF, basic pay of 50% of the CTC, EPF at 12% of the whole basic, salary income only, a resident under 60, and the yearly tax spread evenly over 12 months. Professional tax, which depends on the state, is not deducted. The old regime column claims the standard deduction and the employee EPF under 80C, nothing else.
| CTC per year | New regime: monthly in-hand | New regime: income tax per year | Old regime (80C EPF only): monthly in-hand | Old regime: income tax per year |
|---|---|---|---|---|
| ₹3,00,000 | ₹22,000 | ₹0 | ₹22,000 | ₹0 |
| ₹4,00,000 | ₹29,333 | ₹0 | ₹29,333 | ₹0 |
| ₹5,00,000 | ₹36,667 | ₹0 | ₹36,667 | ₹0 |
| ₹6,00,000 | ₹44,000 | ₹0 | ₹44,000 | ₹0 |
| ₹7,00,000 | ₹51,333 | ₹0 | ₹49,106 | ₹26,728 |
| ₹8,00,000 | ₹58,667 | ₹0 | ₹54,914 | ₹45,032 |
| ₹9,00,000 | ₹66,000 | ₹0 | ₹60,722 | ₹63,336 |
| ₹10,00,000 | ₹73,333 | ₹0 | ₹66,530 | ₹81,640 |
| ₹11,00,000 | ₹80,667 | ₹0 | ₹72,338 | ₹99,944 |
| ₹12,00,000 | ₹88,000 | ₹0 | ₹78,094 | ₹1,18,872 |
| ₹13,00,000 | ₹95,333 | ₹0 | ₹83,139 | ₹1,46,328 |
| ₹14,00,000 | ₹99,113 | ₹42,640 | ₹88,185 | ₹1,73,784 |
| ₹15,00,000 | ₹1,03,045 | ₹83,460 | ₹93,230 | ₹2,01,240 |
| ₹16,00,000 | ₹1,09,156 | ₹98,124 | ₹98,275 | ₹2,28,696 |
| ₹17,00,000 | ₹1,15,268 | ₹1,12,788 | ₹1,03,321 | ₹2,56,152 |
| ₹18,00,000 | ₹1,21,305 | ₹1,28,336 | ₹1,08,366 | ₹2,83,608 |
| ₹19,00,000 | ₹1,27,009 | ₹1,47,888 | ₹1,13,411 | ₹3,11,064 |
| ₹20,00,000 | ₹1,32,713 | ₹1,67,440 | ₹1,18,457 | ₹3,38,520 |
| ₹25,00,000 | ₹1,60,042 | ₹2,79,500 | ₹1,43,683 | ₹4,75,800 |
| ₹30,00,000 | ₹1,85,030 | ₹4,19,640 | ₹1,68,130 | ₹6,22,440 |
| ₹35,00,000 | ₹2,09,477 | ₹5,66,280 | ₹1,92,577 | ₹7,69,080 |
| ₹40,00,000 | ₹2,33,923 | ₹7,12,920 | ₹2,17,023 | ₹9,15,720 |
| ₹45,00,000 | ₹2,58,370 | ₹8,59,560 | ₹2,41,470 | ₹10,62,360 |
| ₹50,00,000 | ₹2,82,817 | ₹10,06,200 | ₹2,65,917 | ₹12,09,000 |
New vs old tax regime in India · The 87A rebate and the 12 lakh limit
Sources
- Ministry of Finance: Finance Bill 2026 memorandum
- Income Tax Department: slabs, rebate, surcharge and cess
- Every rate used, with its source and check date: Sources and rates
This page shows figures calculated from the pages listed on the Sources page. It is general information only. Your payslip, your employer's tax deducted at source and your personal situation may differ. Rates as at 2 November 2026.