Last Updated: 27 August 2025
Your monthly in hand salary India is simply your CTC minus taxes, PF, professional tax, and other deductions, divided by 12.
💰 Salary Breakup Calculator
📊 Salary Breakdown
Total Deductions:
Net Salary:
Income Tax (New Regime):
Net Salary Post Tax:
Why Everyone is Asking About Monthly In Hand Salary Calculator India
Sounds simple? Not quite. In India, terms like CTC, gross salary, take-home, deductions, exemptions, and the new tax regime often confuse employees. That’s why a reliable monthly in hand salary calculator India becomes essential. So, let’s break it all down—step by step, with stories, tables, and real-life clarity.
Quick Stats Table: Salary Breakdown Snapshot
| Term | Meaning (India, 2025) | Why It Matters |
|---|---|---|
| CTC (Cost to Company) | Total annual package offered | Includes perks, bonuses, PF, gratuity |
| Gross Salary | Salary before tax deductions | Usually 70–80% of CTC |
| In Hand Salary | What you actually get in bank | After tax, PF, PT |
| Tax Regime (2025) | Old vs New system | New regime has simplified slabs, no exemptions |
| PF Contribution | 12% of Basic Salary | Locked until retirement but mandatory |
| Professional Tax (PT) | State-level deduction | ₹200 max in some states |
Why This Calculator Matters
Picture this: You’ve just bagged a ₹12 LPA offer letter. In your head, the math is simple—₹1,00,000 a month. You’re already planning that shiny new iPhone 16 Pro, a Goa getaway with friends, and maybe even an EMI on a Royal Enfield. Then—bam!—reality hits on payday. Instead of a full lakh, your account shows just ₹75,000.
That’s when you realize the importance of a monthly in hand salary calculator India—because what looks good on paper (CTC) isn’t what lands in your bank account.
That’s where the monthly in hand salary calculator India saves you. It lets you realistically estimate your take-home salary under the new tax regime 2025, so you know exactly what’s coming in and how to plan expenses, EMIs, or investments.
How to Calculate In Hand Salary from CTC (India, New Tax Regime)
Here’s the step-by-step formula:
-
Start with CTC (Annual)
Example: ₹12,00,000 per year. -
Remove employer benefits
(gratuity, insurance premium, etc. – not paid monthly). -
Get Gross Salary
Example: ₹9,60,000. -
Deduct employee PF contribution (12% basic)
Example: ₹60,000 annually. -
Apply Income Tax (New Regime, 2025 slabs)
Annual Income Slab Tax Rate (2025) 0 – 3,00,000 0% 3,00,001 – 7,00,000 5% 7,00,001 – 10,00,000 10% 10,00,001 – 12,00,000 15% 12,00,001 – 15,00,000 20% Above 15,00,000 30% -
Add surcharge + cess (4%)
-
Divide by 12 → Your Monthly In Hand Salary
👉 Formula:
In Hand = (Gross Salary – Tax – PF – PT) ÷ 12
Example Calculation: ₹12 LPA under New Tax Regime
| Component | Amount (₹) |
|---|---|
| CTC | 12,00,000 |
| Minus Benefits | 2,40,000 |
| Gross Salary | 9,60,000 |
| PF Contribution | 60,000 |
| Tax (as per new regime) | 62,400 |
| Cess (4%) | 2,496 |
| Professional Tax (avg.) | 2,400 |
| Net Annual In Hand | 8,92,704 |
| Monthly In Hand | 74,392 |
So, a ₹12 LPA CTC → ₹74,392/month in hand salary.
Expert Insight: Chartered Accountant’s Take
According to CA Ramesh Gupta (Mumbai-based tax consultant),
“The new tax regime in 2025 benefits employees with fewer investments because exemptions like HRA and 80C are gone. For mid-level professionals (₹7–15 LPA), monthly in hand salary usually falls between 60–75% of CTC, depending on perks and PF structure.”
Why PF & Professional Tax Reduce Take-Home
Most employees forget PF is a forced saving, not a loss. For example:
| Contribution | % of Basic | Annual Deduction | Benefit |
|---|---|---|---|
| Employee PF | 12% | ₹60,000 (on 50k basic) | Tax-free retirement fund |
| Employer PF | 12% | ₹60,000 | Not in-hand but adds to corpus |
| Professional Tax | ₹200 max | ~₹2,400 annually | State revenue |
Monthly In Hand Salary Calculator India (2025, New Tax Regime)
Here’s a simplified DIY monthly in hand salary calculator India you can use to estimate your take-home pay under the new tax regime 2025:
-
Enter your CTC.
-
Subtract ~20–25% for benefits.
-
Apply new regime slabs for tax.
-
Deduct PF (12% of basic).
-
Deduct professional tax.
-
Divide by 12 → That’s your monthly in hand salary.
| CTC (₹ LPA) | Approx Monthly In Hand (₹) |
|---|---|
| 6 | 38,000 – 42,000 |
| 9 | 55,000 – 60,000 |
| 12 | 72,000 – 75,000 |
| 15 | 90,000 – 95,000 |
| 20 | 1,20,000 – 1,25,000 |
(Values vary by PF, bonus, and state tax)
So, under the monthly in hand salary calculator India (new tax regime 2025), a ₹12 LPA CTC gives you about ₹74,392 per month in hand.
Common Follow-Up Questions
1. How do I calculate in hand salary new tax regime India?
👉 Use the formula: (Gross – Tax – PF – PT) ÷ 12.
2. Does bonus count in in-hand salary?
No. Bonus is usually annual or performance-based, not part of fixed monthly take-home.
3. Which is better – old regime or new regime?
Depends. If you have high investments (HRA, 80C, NPS), old regime may suit you. If not, new regime 2025 is simpler and often lower tax.
4. Why is my salary credit lower than expected?
Because CTC ≠ in hand. PF, tax, gratuity, insurance premiums reduce monthly payout.
5. Is PF mandatory?
Yes, for most salaried employees unless exempt. It reduces in-hand salary but builds a retirement corpus.
6. Can salary structure be negotiated?
Absolutely! Smart employees ask HR to restructure CTC (like reducing PF, adding allowances) for higher take-home.
Pro Tip for Employees
Always ask HR for a CTC vs In-Hand breakup before signing your offer letter. Why? Because every company has its own way of structuring salaries. Giants like TCS, Infosys, Accenture, HCL, and even startups such as Razorpay or Zomato can design packages that look attractive on paper but feel very different in reality. Some are PF-heavy, others bonus-heavy—and the only way to decode the truth is by using a monthly in hand salary calculator India to see what actually lands in your bank account each month.
Elements of In-Hand Salary
Before you use any monthly in hand salary calculator India, it’s essential to understand the moving parts that shape your take-home pay. Your CTC may look huge on paper, but in-hand salary is influenced by these components:
| Element | Description | Impact on Take-Home |
|---|---|---|
| Basic Salary | The core of your pay, usually 30–40% of CTC | Forms the base for PF and tax calculations |
| House Rent Allowance (HRA) | Allowance for accommodation (only under old regime) | Not applicable under new tax regime 2025 |
| Special Allowances | Flexible benefits given by employers | Often fully taxable under new regime |
| Provident Fund (PF) | 12% of Basic goes as mandatory saving | Reduces in-hand, builds long-term wealth |
| Professional Tax (PT) | Small state-level deduction (₹200 max/month in many states) | Slight cut in take-home |
| Income Tax (New Regime 2025) | Tax on gross salary as per slabs | Biggest factor reducing in-hand salary |
| Performance Bonus / Variable Pay | Paid quarterly/annually, not monthly | Does NOT increase fixed monthly in-hand |
| Other Deductions | Insurance premium, loans, advances | Case-specific, reduces in-hand |
👉 In short, while monthly in hand salary calculator India gives you an estimate, knowing these elements helps you cross-check accuracy and plan better.
Some commonly searched salaries
Disclaimer: These are approximate estimates only and may vary based on employer, tax regime, state deductions, PF contributions, and other perks. Please use a monthly in hand salary calculator India for accurate, personalized results.
| Annual Salary (LPA in hand salary) | Monthly Salary Range (₹) | Yearly Salary Range (₹) |
|---|---|---|
| 1 LPA in hand salary | 7,600 – 8,300 | 91,600 – 1,00,000 |
| 1.5 LPA in hand salary | 11,500 – 12,500 | 1,38,600 – 1,50,000 |
| 2 LPA in hand salary | 15,500 – 16,600 | 1,85,600 – 1,97,600 |
| 2.3 LPA in hand salary | 17,817 – 19,100 | 2,13,000 – 2,27,600 |
| 3 LPA in hand salary | 23,300 – 25,000 | 2,79,600 – 2,97,600 |
| 3.8 LPA in hand salary | 29,500 – 31,400 | 3,54,800 – 3,77,600 |
| 3.9 LPA in hand salary | 30,350 – 32,300 | 3,64,200 – 3,87,600 |
| 4 LPA in hand salary | 31,100 – 33,133 | 3,73,600 – 3,97,600 |
| 5 LPA in hand salary | 38,900 – 41,400 | 4,67,600 – 4,97,600 |
| 5.5 LPA in hand salary | 42,800 – 45,600 | 5,14,600 – 5,47,600 |
| 6 LPA in hand salary | 45,500 – 49,800 | 5,61,600 – 5,97,600 |
| 7 LPA in hand salary | 51,000 – 54,600 | 6,12,000 – 6,55,200 |
| 8 LPA in hand salary | 57,200 – 62,400 | 6,87,400 – 7,49,600 |
| 8.5 LPA in hand salary | 60,400 – 66,384 | 7,24,800 – 7,96,600 |
| 9 LPA in hand salary | 63,600 – 70,300 | 7,63,200 – 8,43,600 |
| 9.2 LPA in hand salary | 64,900 – 71,800 | 7,74,800 – 8,62,400 |
| 9.5 LPA in hand salary | 66,800 – 73,700 | 8,00,000 – 8,84,900 |
| 9.6 LPA in hand salary | 67,400 – 74,400 | 8,08,000 – 8,93,000 |
| 9.8 LPA in hand salary | 68,700 – 75,700 | 8,24,400 – 9,09,000 |
| 10 LPA in hand salary | 70,000 – 77,000 | 8,40,000 – 9,25,000 |
| 11 LPA in hand salary | 76,300 – 83,800 | 9,15,600 – 10,05,000 |
| 11.5 LPA in hand salary | 79,300 – 87,100 | 9,51,600 – 10,45,300 |
| 12 LPA in hand salary | 82,000 – 90,400 | 9,84,000 – 10,85,400 |
| 13 LPA in hand salary | 87,600 – 97,100 | 10,51,200 – 11,65,800 |
| 13.5 LPA in hand salary | 90,300 – 1,00,400 | 10,83,600 – 12,05,700 |
| 14 LPA in hand salary | 93,100 – 1,03,800 | 11,17,200 – 12,45,800 |
| 15 LPA in hand salary | 98,600 – 1,10,500 | 11,83,200 – 13,26,000 |
| 16 LPA in hand salary | 1,04,100 – 1,17,100 | 12,49,200 – 14,06,200 |
| 16.5 LPA in hand salary | 1,06,900 – 1,20,500 | 12,82,800 – 14,46,800 |
| 17 LPA in hand salary | 1,09,700 – 1,23,700 | 13,16,400 – 14,84,400 |
| 17.5 LPA in hand salary | 1,12,400 – 1,26,700 | 13,48,800 – 15,21,000 |
| 18 LPA in hand salary | 1,15,200 – 1,29,800 | 13,82,400 – 15,57,700 |
| 19 LPA in hand salary | 1,20,700 – 1,35,900 | 14,48,400 – 16,31,000 |
| 20 LPA in hand salary | 1,26,200 – 1,42,000 | 15,14,400 – 17,04,300 |
| 21 LPA in hand salary | 1,31,800 – 1,48,100 | 15,81,600 – 17,77,600 |
| 22 LPA in hand salary | 1,37,300 – 1,54,200 | 16,47,600 – 18,50,900 |
| 22.5 LPA in hand salary | 1,40,100 – 1,57,200 | 16,81,200 – 18,87,500 |
| 24 LPA in hand salary | 1,48,300 – 1,66,400 | 17,79,600 – 19,97,500 |
| 26 LPA in hand salary | 1,59,400 – 1,78,600 | 19,12,800 – 21,44,100 |
| 28 LPA in hand salary | 1,70,500 – 1,90,800 | 20,46,000 – 22,90,700 |
| 30 LPA in hand salary | 1,81,500 – 2,03,100 | 21,78,000 – 24,37,300 |
| 34 LPA in hand salary | 2,03,600 – 2,27,500 | 24,43,200 – 27,30,500 |
| 35 LPA in hand salary | 2,09,100 – 2,33,600 | 25,09,200 – 28,03,800 |
| 36 LPA in hand salary | 2,14,700 – 2,39,700 | 25,76,400 – 28,77,100 |
| 37 LPA in hand salary | 2,20,200 – 2,45,800 | 26,42,400 – 29,50,420 |
| 40 LPA in hand salary | 2,36,800 – 2,64,100 | 28,41,600 – 31,70,300 |
| 45 LPA in hand salary | 2,64,400 – 2,94,735 | 31,72,800 – 35,36,800 |
| 85 LPA in hand salary | 4,66,000 – 5,39,000 | 55,92,000 – 64,68,800 |
| 90 LPA in hand salary | 4,92,500 – 5,69,600 | 59,10,000 – 68,35,300 |
| 1 crore per annum in hand salary | 5,45,100 – 6,30,600 | 65,41,200 – 75,68,300 |
Disclaimer: This article is for educational purposes only and should not be considered financial or tax advice. Please consult a certified tax advisor or the Income Tax Department of India before making final decisions.
Conclusion
Your monthly in hand salary in India is never equal to your CTC. By using a monthly in hand salary calculator India (2025) under the new tax regime, you can plan smarter—know your take-home, optimize taxes, and avoid the shock of “why is my salary so low?” on payday.
Remember, it’s not about what you earn on paper; it’s about what hits your bank account.
So, do check out out monthly in hand salary calculator India (2025) for easy calculations.
FAQs
Q1. How to calculate in hand salary from CTC in India (2025)?
By deducting PF, professional tax, and income tax (as per new regime) from gross salary, then dividing by 12.
Q2. What’s the difference between CTC and in hand salary?
CTC includes all costs to the company; in hand is your actual monthly bank credit.
Q3. Is HRA available under new tax regime 2025?
No. Most exemptions like HRA and 80C are removed.
Q4. Can I increase my in-hand salary?
Yes, by negotiating salary structure, opting out of some benefits, or choosing the right tax regime.
Q5. Do all companies follow the same deductions?
No. PSU, IT, startups, and MNCs have different PF/bonus structures.
Q6. Is professional tax applicable in every state?
No. Only some states levy it (like Maharashtra, Karnataka, West Bengal).
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By: Gary, Defense Affairs Correspondent
Credentials: 15+ years covering military affairs, Defense Ministry sources
Methodology: Official government records, RTI data, military compensation charts
