What is the in-hand salary for 5 LPA?

About ₹35,456 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 ₹35,456.

How much income tax is paid on 5 LPA?

None under the new regime: taxable income is ₹3,82,975 after the ₹75,000 standard deduction, which is within the ₹12 lakh rebate limit. The old regime would charge ₹0 a year with only PF under 80C.

How much PF is deducted from a 5 LPA salary?

₹2,500 a month if PF is 12% of your full basic of ₹20,833, and your employer adds the same amount. If PF is capped at the ₹25,000 wage ceiling, it is ₹2,500 a month each.

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

A CTC of ₹5 lakh (₹41,667 a month) gives an in-hand salary of about ₹35,456 a month under the new tax regime and ₹35,456 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)

₹35,456

Both regimes leave you the same amount. Take-home for the year: ₹4,25,475.

Monthly salary slip

Per month	New regime	Old regime
Gross salary	₹38,165	₹38,165
Your PF contribution	-₹2,500	-₹2,500
Professional tax	-₹208	-₹208
Income tax (TDS)	₹0	₹0
In-hand salary	₹35,456	₹35,456

CTC breakup

Component	A year	A month
Basic + DA	₹2,50,000	₹20,833
HRA (40% of basic)	₹1,00,000	₹8,333
Special allowance	₹1,07,975	₹8,998
Employer PF	₹30,000	₹2,500
Gratuity (4.81% of basic)	₹12,025	₹1,002
CTC	₹5,00,000	₹41,667

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	₹35,456
Basic 50% of CTC, PF capped at ₹25,000 basic	₹35,456
Basic 40% of CTC, PF on full basic	₹36,657
Basic 40% of CTC, PF capped at ₹25,000 basic	₹36,657

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?

At 5 LPA neither regime charges income tax.

Nearby salaries

CTC	In-hand a month (new)	In-hand a month (old)
4 LPA	₹28,323	₹28,323
5 LPA	₹35,456	₹35,456
6 LPA	₹42,589	₹42,589
7 LPA	₹49,722	₹47,830

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.