worldofcalcs50 LPA In-Hand Salary (FY 2026-27)
A CTC of ₹50 lakh (₹4,16,667 a month) gives an in-hand salary of about ₹2,75,714 a month under the new tax regime and ₹2,58,879 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: ₹33,08,568.
Monthly salary slip
| Per month | New regime | Old regime |
|---|---|---|
| Gross salary | ₹3,81,646 | ₹3,81,646 |
| Your PF contribution | -₹25,000 | -₹25,000 |
| Professional tax | -₹208 | -₹208 |
| Income tax (TDS) | -₹80,723 | -₹97,558 |
| In-hand salary | ₹2,75,714 | ₹2,58,879 |
CTC breakup
| Component | A year | A month |
|---|---|---|
| Basic + DA | ₹25,00,000 | ₹2,08,333 |
| HRA (40% of basic) | ₹10,00,000 | ₹83,333 |
| Special allowance | ₹10,79,750 | ₹89,979 |
| Employer PF | ₹3,00,000 | ₹25,000 |
| Gratuity (4.81% of basic) | ₹1,20,250 | ₹10,021 |
| CTC | ₹50,00,000 | ₹4,16,667 |
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 | ₹2,75,714 |
| Basic 50% of CTC, PF capped at ₹25,000 basic | ₹3,12,850 |
| Basic 40% of CTC, PF on full basic | ₹2,85,533 |
| Basic 40% of CTC, PF capped at ₹25,000 basic | ₹3,14,229 |
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 ₹9,68,682 a year and the old regime ₹11,70,702 with only PF under 80C. For the old regime to come out ahead, you would need about ₹4,97,500 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) |
|---|---|---|
| 40 LPA | ₹2,28,200 | ₹2,11,365 |
| 45 LPA | ₹2,51,957 | ₹2,35,122 |
| 50 LPA | ₹2,75,714 | ₹2,58,879 |
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.