What is the in-hand salary for 13 LPA?

About ₹92,520 a month under the new tax regime, if basic pay is 50% of CTC, PF is 12% of the full basic and gratuity is part of the CTC. If your employer caps PF at the ₹25,000 wage ceiling, it is about ₹99,520.

How much income tax is paid on 13 LPA?

None under the new regime: taxable income is ₹11,15,735 after the ₹75,000 standard deduction, which is within the ₹12 lakh rebate limit. The old regime would charge ₹1,35,793 a year with only PF under 80C.

How much PF is deducted from a 13 LPA salary?

₹6,500 a month if PF is 12% of your full basic of ₹54,167, and your employer adds the same amount. If PF is capped at the ₹25,000 wage ceiling, it is ₹3,000 a month each.

13 LPA In-Hand Salary (FY 2026-27)

A CTC of ₹13 lakh (₹1,08,333 a month) gives an in-hand salary of about ₹92,520 a month under the new tax regime and ₹81,203 under the old regime, with a typical structure: basic at 50% of CTC, PF of 12% on the full basic, gratuity included in the CTC and ₹2,500 a year of professional tax.

In-hand salary per month (new regime)

₹92,520

The new regime leaves you ₹1,35,793 more a year. Take-home for the year: ₹11,10,235.

Monthly salary slip

Per month	New regime	Old regime
Gross salary	₹99,228	₹99,228
Your PF contribution	-₹6,500	-₹6,500
Professional tax	-₹208	-₹208
Income tax (TDS)	₹0	-₹11,316
In-hand salary	₹92,520	₹81,203

CTC breakup

Component	A year	A month
Basic + DA	₹6,50,000	₹54,167
HRA (40% of basic)	₹2,60,000	₹21,667
Special allowance	₹2,80,735	₹23,395
Employer PF	₹78,000	₹6,500
Gratuity (4.81% of basic)	₹31,265	₹2,605
CTC	₹13,00,000	₹1,08,333

Employer PF and gratuity are part of the CTC but aren't paid to you each month: PF goes into your EPF account, and gratuity is paid when you leave after five years.

How your salary structure changes take-home pay

Structure	In-hand a month (new regime)
Basic 50% of CTC, PF on full basic	₹92,520
Basic 50% of CTC, PF capped at ₹25,000 basic	₹99,520
Basic 40% of CTC, PF on full basic	₹95,641
Basic 40% of CTC, PF capped at ₹25,000 basic	₹1,00,041

Since 17 September 2026 the EPF wage ceiling is ₹25,000 a month. Employers who cap PF deduct at most ₹3,000 a month, which raises in-hand pay but puts less into your EPF. Under the labour codes, basic pay plus DA must be at least half of your pay, so structures with a low basic are being phased out.

New or old tax regime?

The new regime charges no tax at 13 LPA, because taxable income of ₹11,15,735 is within the ₹12 lakh rebate limit. The old regime would charge ₹1,35,793 a year with only PF under 80C. For the old regime to come out ahead, you would need about ₹5,60,235 of deductions on top of your PF and professional tax, such as HRA, other 80C investments, health insurance and home loan interest.

Nearby salaries

CTC	In-hand a month (new)	In-hand a month (old)
11 LPA	₹78,254	₹70,427
12 LPA	₹85,387	₹76,076
13 LPA	₹92,520	₹81,203
14 LPA	₹99,017	₹86,111
15 LPA	₹1,00,299	₹91,018

Change the structure in the in-hand salary calculator

Also see: Income Tax Calculator · HRA Exemption Calculator · EPF Calculator · CTC vs in-hand salary guide

Questions

Estimates for tax year 2026-27 for a resident under 60 with no other income and no variable pay. Your payslip depends on your employer's structure, your state's professional tax and the deductions you declare.