CTC to In-Hand Salary Calculator — India 2026
Free · PF, ESIC, Gratuity, Bonus, HRA included · Instant PDF Download
Calculate your exact take-home salary from CTC in seconds. This free tool follows India's 2026 statutory rules — EPF (12% of basic, capped at ₹15,000), ESIC (applicable below ₹21,000 gross), Gratuity (4.81% of basic), and Statutory Bonus. Adjust HRA percentage, PF cap, Professional Tax, and more via the settings panel. Download a professional salary breakup PDF with one click.
Monthly: ₹ 50,000
Monthly CTC
₹ 50,000
Gross Salary
₹ 45,748
Total Deductions
₹ 1,800
✅ In-Hand Monthly
₹ 43,948
Organisation
Company Name
Document Type
CTC BREAKUP
Annual Salary Structure
Employee Name
—
Annual CTC
₹ 6,00,000
Monthly CTC
₹ 50,000
Generated On
05 April 2026
| Earnings | Amount | Deductions | Amount |
| Basic Salary | ₹ 25,000 | Provident Fund (Emp 12%) | - ₹ 1,800 |
| House Rent Allowance | ₹ 12,500 | Professional Tax | |
| Medical Allowance | ₹ 1,250 | ||
| Conveyance Allowance | ₹ 1,600 | ||
| Special Allowance | ₹ 5,398 | ||
| Gross Earnings | ₹ 45,748 | Total Deductions | - ₹ 1,800 |
Net In-Hand Salary (Monthly)
Rupees Forty Three Thousand Nine Hundred Forty Eight Only
₹ 43,948
Employer Contributions (Part of CTC — not deducted from your salary)
Employer PF (12%)
₹ 1,800
Gratuity (monthly)
₹ 1,203
Bonus (monthly)
₹ 1,250
⚠ This is a computer-generated indicative salary structure valid without a physical signature. Actual figures may vary based on company policy. For queries, contact your HR department.
Generated by
PILOTEQ
piloteq.in
💡 Tip for best PDF: Click "Download Professional PDF" → a clean print window opens automatically → set Destination = Save as PDF, Margins = None, and enable Background Graphics to preserve dark header and colours. If the pop-up is blocked, allow pop-ups for this site.
How to Use This CTC Calculator
- 1
Enter your Annual CTC
Type your annual Cost to Company (CTC) — e.g. 600000 for ₹6 LPA. The monthly CTC is shown automatically.
- 2
Add Name & Company (optional)
Fill in employee name and company name if you want a personalised PDF salary slip.
- 3
Customise Company Policy (optional)
Click "Customise Company Policy Rules" to adjust Basic %, HRA %, PF cap, ESIC ceiling, Bonus, Gratuity, and Professional Tax to match your employer's structure.
- 4
Read your Salary Breakup
Instantly see Gross Salary, Total Deductions, Employer Contributions (PF, ESIC, Gratuity, Bonus), and your Net In-Hand Monthly Salary.
- 5
Download Professional PDF
Click "Download Professional PDF" → set Destination = Save as PDF, Margins = None, enable Background Graphics → Save.
CTC to In-Hand Salary — Quick Reference 2026
Standard structure: 50% basic, PF capped ₹15,000, no ESIC above ₹21,000, zero Professional Tax. Use the calculator above for your exact figures.
| Annual CTC | Monthly CTC | Basic | Gross Salary | In-Hand / Month |
|---|---|---|---|---|
| ₹3,00,000 | ₹25,000 | ₹12,500 | ₹22,958 | ₹21,158 |
| ₹4,00,000 | ₹33,333 | ₹16,667 | ₹30,611 | ₹28,611 |
| ₹5,00,000 | ₹41,667 | ₹20,833 | ₹38,264 | ₹36,064 |
| ₹6,00,000 | ₹50,000 | ₹25,000 | ₹45,747 | ₹43,947 |
| ₹8,00,000 | ₹66,667 | ₹33,333 | ₹60,997 | ₹59,197 |
| ₹10,00,000 | ₹83,333 | ₹41,667 | ₹76,247 | ₹74,447 |
| ₹12,00,000 | ₹1,00,000 | ₹50,000 | ₹91,497 | ₹89,697 |
| ₹15,00,000 | ₹1,25,000 | ₹62,500 | ₹1,14,372 | ₹1,12,572 |
| ₹20,00,000 | ₹1,66,667 | ₹83,333 | ₹1,52,497 | ₹1,50,697 |
Understanding Your Salary Components
🏠 Basic Salary
The core fixed component, typically 40–50% of monthly CTC. PF, Gratuity, Bonus, and HRA are all calculated as a percentage of Basic.
🏡 HRA (House Rent Allowance)
50% of Basic for metro cities (Delhi, Mumbai, Chennai, Kolkata), 40% for non-metros. HRA is exempt from income tax subject to actual rent paid.
🏦 PF (Provident Fund)
Employee and employer each contribute 12% of Basic, capped at ₹1,800/month when basis is capped at ₹15,000. PF is a retirement benefit.
🏥 ESIC
Applies only when gross ≤ ₹21,000/month. Employee pays 0.75%, employer pays 3.25%. Covers health insurance and disability benefits.
🎁 Gratuity
4.81% of Basic per month. It is part of CTC but paid as a lump sum after 5 years of service. It is an employer cost, not a monthly credit.
💰 Statutory Bonus
8.33% of Basic (capped at ₹15,000 basis = max ₹1,250/month). Payable under Payment of Bonus Act if basic ≤ ₹21,000/month.
⚡ Special Allowance
The residual component — whatever remains after Basic, HRA, Medical, and Conveyance are allocated. Fully taxable.
🏢 Professional Tax
State-level tax; maximum ₹2,500/year. Applicable in Maharashtra, Karnataka, Telangana, AP, West Bengal, etc. Not applicable in Delhi, UP, Haryana.
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See Quick Tools →Frequently Asked Questions
How is in-hand salary calculated from CTC in India?▼
In-hand = CTC minus Employer PF (12% of basic, capped at ₹15,000 basis), Employer ESIC (3.25% if gross ≤ ₹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.
What is the PF deduction rate in India 2026?▼
Both employer and employee contribute 12% of basic salary to PF. The deduction is typically capped on a basis of ₹15,000/month — so the maximum employee PF deduction is ₹1,800/month. You can contribute more voluntarily (VPF), but the statutory minimum is 12% of ₹15,000.
Who is eligible for ESIC deduction?▼
ESIC applies when gross salary is ₹21,000/month or below. Employee contributes 0.75% and employer contributes 3.25% of gross. For employees earning above ₹21,000/month, ESIC does not apply.
How is HRA calculated?▼
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.
What is gratuity and when is it paid?▼
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.
What is the difference between CTC and gross salary?▼
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.
Is Professional Tax applicable across all Indian states?▼
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.
How much in-hand salary for ₹6 LPA CTC?▼
For ₹6 LPA CTC with standard structure (50% basic, PF capped at ₹15,000), the approximate monthly in-hand is ₹43,947. This assumes no ESIC (gross exceeds ₹21,000) and zero Professional Tax. Use the calculator above for your exact figures.
How much in-hand salary for ₹10 LPA CTC?▼
For ₹10 LPA CTC with standard structure, the approximate monthly in-hand is ₹74,447. Gross is approximately ₹76,247 with PF of ₹1,800 as the only deduction (ESIC does not apply above ₹21,000). Adjust the calculator for your actual policy.
Can I download a salary slip from this calculator?▼
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.