worldofcalcs24 LPA In-Hand Salary (FY 2026-27)
A CTC of ₹24 lakh (₹2,00,000 a month) gives an in-hand salary of about ₹1,50,977 a month under the new tax regime and ₹1,35,185 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.
The new regime leaves you ₹1,89,503 more a year. Take-home for the year: ₹18,11,727.
Monthly salary slip
| Per month | New regime | Old regime |
|---|---|---|
| Gross salary | ₹1,83,190 | ₹1,83,190 |
| Your PF contribution | -₹12,000 | -₹12,000 |
| Professional tax | -₹208 | -₹208 |
| Income tax (TDS) | -₹20,004 | -₹35,796 |
| In-hand salary | ₹1,50,977 | ₹1,35,185 |
CTC breakup
| Component | A year | A month |
|---|---|---|
| Basic + DA | ₹12,00,000 | ₹1,00,000 |
| HRA (40% of basic) | ₹4,80,000 | ₹40,000 |
| Special allowance | ₹5,18,280 | ₹43,190 |
| Employer PF | ₹1,44,000 | ₹12,000 |
| Gratuity (4.81% of basic) | ₹57,720 | ₹4,810 |
| CTC | ₹24,00,000 | ₹2,00,000 |
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 | ₹1,50,977 |
| Basic 50% of CTC, PF capped at ₹25,000 basic | ₹1,66,637 |
| Basic 40% of CTC, PF on full basic | ₹1,55,865 |
| Basic 40% of CTC, PF capped at ₹25,000 basic | ₹1,67,349 |
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 ₹2,40,053 a year and the old regime ₹4,29,555 with only PF under 80C. For the old regime to come out ahead, you would need about ₹6,07,380 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) |
|---|---|---|
| 20 LPA | ₹1,29,330 | ₹1,15,556 |
| 22 LPA | ₹1,40,421 | ₹1,25,370 |
| 24 LPA | ₹1,50,977 | ₹1,35,185 |
| 25 LPA | ₹1,56,126 | ₹1,40,093 |
| 28 LPA | ₹1,71,182 | ₹1,54,347 |
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.