CTC to In-Hand Salary Calculator — India 2026

In-hand = CTC minus Employer PF (12% of basic, capped at ₹25,000 basis), Employer ESIC (3.25% if Basic + DA ≤ ₹21,000), Gratuity (4.81% of basic), and Bonus. From Gross, deduct Employee PF (12%), Employee ESIC (0.75%), and Professional Tax. The result is your Net In-Hand monthly salary.

Both employer and employee contribute 12% of basic salary to PF. The deduction is typically capped on a basis of ₹25,000/month — so the maximum employee PF deduction is ₹3,000/month. You can contribute more voluntarily (VPF), but the statutory minimum is 12% of ₹25,000.

ESIC applies when Basic + Dearness Allowance (DA) is ₹21,000/month or below. Employee contributes 0.75% and employer contributes 3.25% of Basic + DA. If Basic + DA exceeds ₹21,000/month, ESIC does not apply.

HRA is typically 50% of basic salary in metro cities (Delhi, Mumbai, Chennai, Kolkata) and 40% in non-metro cities. This is the standard structure, but your employer's policy may differ. Adjust the HRA % in the calculator's settings panel.

Gratuity is 4.81% of basic salary per month (equivalent to 15 days × basic per year). It is part of CTC but is only paid to the employee after 5 years of continuous service. Before 5 years, you forfeit the accumulated gratuity unless the company has a more generous policy.

Gross salary = Basic + HRA + Allowances (what is credited before deductions). CTC = Gross + Employer PF + Employer ESIC + Gratuity + Bonus. CTC is always higher than gross because it includes employer-side statutory contributions that are never credited to your bank account.

Statutory bonus is 8.33% of the capped salary basis — ₹7,000/month (or the applicable state minimum wage, whichever is higher). Even if an employee earns ₹18,000/month, the bonus is still calculated on ₹7,000: 8.33% × ₹7,000 = ₹583/month. Bonus is only payable when Basic + DA is ₹21,000/month or below. Employees whose Basic + DA exceeds ₹21,000 are not eligible.

No. Professional Tax (PT) is a state-level tax and is levied only in certain states like Maharashtra (max ₹2,500/year), Karnataka (₹2,400/year), Andhra Pradesh, Telangana, West Bengal, and a few others. States like Delhi, Rajasthan, Haryana, and UP do not levy PT. Set PT to 0 in settings if your state does not apply it.

For ₹6 LPA CTC with standard structure (50% basic, PF capped at ₹25,000), the approximate monthly in-hand is ₹42,798. This assumes no ESIC (gross exceeds ₹21,000) and zero Professional Tax. Use the calculator above for your exact figures.

For ₹10 LPA CTC with standard structure, the approximate monthly in-hand is ₹75,329. Gross is approximately ₹78,329 with PF of ₹3,000 as the only deduction (ESIC does not apply above ₹21,000). Adjust the calculator for your actual policy.

Yes. Enter your name and company name, then click "Download Professional PDF". In the print dialog, set Destination = Save as PDF, Margins = None, and enable Background Graphics to preserve the dark header. The PDF includes a complete salary breakup, employer contributions, annual summary, and the in-hand amount in words.