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
₹21,919
per month
₹6 LPA
₹50,000/mo CTC
Net In-Hand
₹44,998
per month
₹10 LPA
₹83,333/mo CTC
Net In-Hand
₹77,131*
per month
₹15 LPA
₹1,25,000/mo CTC
Net In-Hand
₹1,16,498*
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 | ₹19,038 | ₹1,200 | ₹143 | ₹200 | ₹17,495 |
| ₹3,00,000 | ₹25,000 | ₹12,500 | ₹23,798 | ₹1,500 | ₹179 | ₹200 | ₹21,919 |
| ₹3,60,000 | ₹30,000 | ₹15,000 | ₹28,398 | ₹1,800 | N/A | ₹200 | ₹26,398 |
| ₹4,20,000 | ₹35,000 | ₹17,500 | ₹33,198 | ₹1,800 | N/A | ₹200 | ₹31,198 |
| ₹4,80,000 | ₹40,000 | ₹20,000 | ₹37,998 | ₹1,800 | N/A | ₹200 | ₹35,998 |
| ₹5,40,000 | ₹45,000 | ₹22,500 | ₹42,798 | ₹1,800 | N/A | ₹200 | ₹40,798 |
| ₹6,00,000 | ₹50,000 | ₹25,000 | ₹46,998 | ₹1,800 | N/A | ₹200 | ₹44,998 |
| ₹7,20,000 | ₹60,000 | ₹30,000 | ₹56,598 | ₹1,800 | N/A | ₹200 | ₹54,598 |
| ₹8,40,000 | ₹70,000 | ₹35,000 | ₹65,998 | ₹1,800 | N/A | ₹200 | ₹63,998 |
| ₹10,00,000 | ₹83,333 | ₹41,667 | ₹79,131 | ₹1,800 | N/A | ₹200 | ₹77,131 |
| ₹12,00,000 | ₹1,00,000 | ₹50,000 | ₹95,998 | ₹1,800 | N/A | ₹200 | ₹93,998 |
| ₹15,00,000 | ₹1,25,000 | ₹62,500 | ₹1,18,498 | ₹1,800 | N/A | ₹200 | ₹1,16,498 |
| ₹18,00,000 | ₹1,50,000 | ₹75,000 | ₹1,41,998 | ₹1,800 | N/A | ₹200 | ₹1,39,998 |
| ₹25,00,000 | ₹2,08,333 | ₹1,04,167 | ₹1,97,131 | ₹1,800 | N/A | ₹200 | ₹1,94,131 |
⚠️ ESIC (0.75%) applies only if Gross ≤ ₹21,000/month.
⚠️ PF capped at ₹1,800/month (Basic ceiling ₹15,000).
⚠️ 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 | ₹44,998/month |
| ₹8,40,000 | ~₹42,500 | ~₹3,542 | ~₹60,456/month |
| ₹10,00,000 | ~₹75,000 | ~₹6,250 | ~₹70,881/month |
| ₹12,00,000 | ~₹1,20,000 | ~₹10,000 | ~₹83,998/month |
| ₹15,00,000 | ~₹1,95,000 | ~₹16,250 | ~₹1,00,248/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 ≈ ₹46,998. Deductions: PF ₹1,800 + PT ₹200 = ₹2,000. Net in-hand = ₹44,998/month. ESIC does not apply as Gross 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 ≈ ₹79,131. Deductions: PF ₹1,800 + PT ₹200 = ₹2,000. Gross in-hand before TDS ≈ ₹77,131. After TDS (~₹6,250/month under new regime with no deductions) = ~₹70,881/month actual take-home.
How much in-hand salary for ₹3 LPA CTC?▼
For ₹3 LPA (₹25,000 monthly CTC): Basic = ₹12,500. Gross ≈ ₹23,798. Deductions: PF ₹1,500 + ESIC ₹179 + PT ₹200 = ₹1,879. Net in-hand ≈ ₹21,919/month. ESIC applies as Gross 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 ₹1,800) and Gratuity provision (4.81% of Basic). Together these reduce your Gross Salary by ₹2,000–₹3,500/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).