2026 Reference Table
In-Hand Salary from CTC India
₹2.4L to ₹25L — Complete Table
Find your exact monthly take-home from any annual CTC. Complete table with gross salary, PF, ESIC, professional tax, and net pay for all salary ranges.
₹3 LPA
₹25,000/mo CTC
Net In-Hand
₹21,105
per month
₹6 LPA
₹50,000/mo CTC
Net In-Hand
₹42,598
per month
₹10 LPA
₹83,333/mo CTC
Net In-Hand
₹75,129*
per month
₹15 LPA
₹1,25,000/mo CTC
Net In-Hand
₹1,15,794*
per month
* Before income tax TDS. Actual net lower depending on tax regime and declared investments.
In-Hand Salary Table — All CTC Ranges India 2026
| Annual CTC | Monthly CTC | Basic | Gross | Emp. PF | ESIC | PT | Net In-Hand |
|---|---|---|---|---|---|---|---|
| ₹2,40,000 | ₹20,000 | ₹10,000 | ₹18,319 | ₹1,200 | ₹75 | ₹200 | ₹16,844 |
| ₹3,00,000 | ₹25,000 | ₹12,500 | ₹22,899 | ₹1,500 | ₹94 | ₹200 | ₹21,105 |
| ₹3,60,000 | ₹30,000 | ₹15,000 | ₹27,479 | ₹1,800 | ₹113 | ₹200 | ₹25,366 |
| ₹4,20,000 | ₹35,000 | ₹17,500 | ₹32,058 | ₹2,100 | ₹131 | ₹200 | ₹29,627 |
| ₹4,80,000 | ₹40,000 | ₹20,000 | ₹36,638 | ₹2,400 | ₹150 | ₹200 | ₹33,888 |
| ₹5,40,000 | ₹45,000 | ₹22,500 | ₹41,218 | ₹2,700 | N/A | ₹200 | ₹38,318 |
| ₹6,00,000 | ₹50,000 | ₹25,000 | ₹45,798 | ₹3,000 | N/A | ₹200 | ₹42,598 |
| ₹7,20,000 | ₹60,000 | ₹30,000 | ₹55,557 | ₹3,000 | N/A | ₹200 | ₹52,357 |
| ₹8,40,000 | ₹70,000 | ₹35,000 | ₹65,317 | ₹3,000 | N/A | ₹200 | ₹62,117 |
| ₹10,00,000 | ₹83,333 | ₹41,667 | ₹78,329 | ₹3,000 | N/A | ₹200 | ₹75,129 |
| ₹12,00,000 | ₹1,00,000 | ₹50,000 | ₹94,595 | ₹3,000 | N/A | ₹200 | ₹91,395 |
| ₹15,00,000 | ₹1,25,000 | ₹62,500 | ₹1,18,994 | ₹3,000 | N/A | ₹200 | ₹1,15,794 |
| ₹18,00,000 | ₹1,50,000 | ₹75,000 | ₹1,43,393 | ₹3,000 | N/A | ₹200 | ₹1,40,193 |
| ₹25,00,000 | ₹2,08,333 | ₹1,04,167 | ₹2,00,323 | ₹3,000 | N/A | ₹200 | ₹1,97,123 |
⚠️ ESIC (0.75%) applies only if Basic + DA ≤ ₹21,000/month.
⚠️ PF capped at ₹3,000/month (Basic ceiling ₹25,000).
⚠️ Net In-Hand shown is BEFORE income tax TDS. For CTC ≥ ₹7.5L, TDS will reduce actual take-home further.
⚠️ Basic assumed at 50% of monthly CTC. Professional Tax ₹200/month assumed.
📌 Income Tax (TDS) Impact for Higher Salaries
For CTC above ₹7,50,000/year, income tax TDS will reduce your actual take-home further. The exact amount depends on your tax regime (old vs new) and investments declared.
| Annual CTC | Approx. Annual Tax (New Regime) | Monthly TDS Deducted | Final Net After TDS |
|---|---|---|---|
| ₹6,00,000 | Nil (rebate) | ₹0 | ₹42,598/month |
| ₹8,40,000 | ~₹42,500 | ~₹3,542 | ~₹58,575/month |
| ₹10,00,000 | ~₹75,000 | ~₹6,250 | ~₹68,879/month |
| ₹12,00,000 | ~₹1,20,000 | ~₹10,000 | ~₹81,395/month |
| ₹15,00,000 | ~₹1,95,000 | ~₹16,250 | ~₹99,544/month |
* Approximate values. New tax regime 2026. No deductions assumed. Use our CTC calculator for exact figures.
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Frequently Asked Questions
How much in-hand salary for ₹6 LPA CTC?▼
For ₹6 LPA (₹50,000 monthly CTC): Gross ≈ ₹45,798. Deductions: PF ₹3,000 + PT ₹200 = ₹3,200. Net in-hand = ₹42,598/month. ESIC does not apply as Basic + DA exceeds ₹21,000. No income tax at this level under the new regime (rebate under Section 87A).
How much in-hand salary for ₹10 LPA CTC?▼
For ₹10 LPA (₹83,333 monthly CTC): Gross ≈ ₹78,329. Deductions: PF ₹3,000 + PT ₹200 = ₹3,200. Gross in-hand before TDS ≈ ₹75,129. After TDS (~₹6,250/month under new regime with no deductions) = ~₹68,879/month actual take-home.
How much in-hand salary for ₹3 LPA CTC?▼
For ₹3 LPA (₹25,000 monthly CTC): Basic = ₹12,500. Gross ≈ ₹22,899. Deductions: PF ₹1,500 + ESIC ₹94 + PT ₹200 = ₹1,794. Net in-hand ≈ ₹21,105/month. ESIC applies as Basic + DA is below ₹21,000.
Why does in-hand salary differ from monthly CTC divided by 12?▼
Monthly CTC ÷ 12 includes employer-side costs that are NOT credited to your bank: Employer PF (12% of Basic, max ₹3,000) and Gratuity provision (4.81% of Basic). Together these reduce your Gross Salary by roughly ₹1,700–₹5,400/month depending on Basic. Then employee deductions (PF, ESIC, PT) further reduce it to get Net In-Hand.
Is in-hand salary the same as take-home salary in India?▼
Yes. In-hand salary, take-home salary, net salary, and net pay all mean the same thing in India — the actual amount credited to your bank account each month after all deductions (PF, ESIC, PT, TDS).