worldofcalcs28 LPA In-Hand Salary (FY 2026-27)
A CTC of ₹28 lakh (₹2,33,333 a month) gives an in-hand salary of about ₹1,71,182 a month under the new tax regime and ₹1,54,347 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 ₹2,02,020 more a year. Take-home for the year: ₹20,54,186.
Monthly salary slip
| Per month | New regime | Old regime |
|---|---|---|
| Gross salary | ₹2,13,722 | ₹2,13,722 |
| Your PF contribution | -₹14,000 | -₹14,000 |
| Professional tax | -₹208 | -₹208 |
| Income tax (TDS) | -₹28,331 | -₹45,166 |
| In-hand salary | ₹1,71,182 | ₹1,54,347 |
CTC breakup
| Component | A year | A month |
|---|---|---|
| Basic + DA | ₹14,00,000 | ₹1,16,667 |
| HRA (40% of basic) | ₹5,60,000 | ₹46,667 |
| Special allowance | ₹6,04,660 | ₹50,388 |
| Employer PF | ₹1,68,000 | ₹14,000 |
| Gratuity (4.81% of basic) | ₹67,340 | ₹5,612 |
| CTC | ₹28,00,000 | ₹2,33,333 |
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 | ₹1,71,182 |
| Basic 50% of CTC, PF capped at ₹25,000 basic | ₹1,89,750 |
| Basic 40% of CTC, PF on full basic | ₹1,76,681 |
| Basic 40% of CTC, PF capped at ₹25,000 basic | ₹1,90,522 |
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 ₹3,39,974 a year and the old regime ₹5,41,994 with only PF under 80C. For the old regime to come out ahead, you would need about ₹6,29,500 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) |
|---|---|---|
| 24 LPA | ₹1,50,977 | ₹1,35,185 |
| 25 LPA | ₹1,56,126 | ₹1,40,093 |
| 28 LPA | ₹1,71,182 | ₹1,54,347 |
| 30 LPA | ₹1,80,685 | ₹1,63,850 |
| 35 LPA | ₹2,04,442 | ₹1,87,607 |
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.