What is the in-hand salary for 14 LPA?

About ₹99,017 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 ₹1,02,857.

How much income tax is paid on 14 LPA?

₹7,623 a year (₹635 a month) under the new regime, including 4% cess. The old regime would charge ₹1,62,499 with only PF under 80C.

How much PF is deducted from a 14 LPA salary?

₹7,000 a month if PF is 12% of your full basic of ₹58,333, and your employer adds the same amount. If PF is capped at the ₹25,000 wage ceiling, it is ₹3,000 a month each.

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

A CTC of ₹14 lakh (₹1,16,667 a month) gives an in-hand salary of about ₹99,017 a month under the new tax regime and ₹86,111 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)

₹99,017

The new regime leaves you ₹1,54,876 more a year. Take-home for the year: ₹11,88,207.

Monthly salary slip

Per month	New regime	Old regime
Gross salary	₹1,06,861	₹1,06,861
Your PF contribution	-₹7,000	-₹7,000
Professional tax	-₹208	-₹208
Income tax (TDS)	-₹635	-₹13,542
In-hand salary	₹99,017	₹86,111

CTC breakup

Component	A year	A month
Basic + DA	₹7,00,000	₹58,333
HRA (40% of basic)	₹2,80,000	₹23,333
Special allowance	₹3,02,330	₹25,194
Employer PF	₹84,000	₹7,000
Gratuity (4.81% of basic)	₹33,670	₹2,806
CTC	₹14,00,000	₹1,16,667

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	₹99,017
Basic 50% of CTC, PF capped at ₹25,000 basic	₹1,02,857
Basic 40% of CTC, PF on full basic	₹1,00,339
Basic 40% of CTC, PF capped at ₹25,000 basic	₹1,02,835

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 ₹7,623 a year and the old regime ₹1,62,499 with only PF under 80C. For the old regime to come out ahead, you would need about ₹6,45,830 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)
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
16 LPA	₹1,06,242	₹95,926

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.