worldofcalcs7 LPA In-Hand Salary (FY 2026-27)
A CTC of ₹7 lakh (₹58,333 a month) gives an in-hand salary of about ₹49,722 a month under the new tax regime and ₹47,830 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 ₹22,706 more a year. Take-home for the year: ₹5,96,665.
Monthly salary slip
| Per month | New regime | Old regime |
|---|---|---|
| Gross salary | ₹53,430 | ₹53,430 |
| Your PF contribution | -₹3,500 | -₹3,500 |
| Professional tax | -₹208 | -₹208 |
| Income tax (TDS) | ₹0 | -₹1,892 |
| In-hand salary | ₹49,722 | ₹47,830 |
CTC breakup
| Component | A year | A month |
|---|---|---|
| Basic + DA | ₹3,50,000 | ₹29,167 |
| HRA (40% of basic) | ₹1,40,000 | ₹11,667 |
| Special allowance | ₹1,51,165 | ₹12,597 |
| Employer PF | ₹42,000 | ₹3,500 |
| Gratuity (4.81% of basic) | ₹16,835 | ₹1,403 |
| CTC | ₹7,00,000 | ₹58,333 |
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 | ₹49,722 |
| Basic 50% of CTC, PF capped at ₹25,000 basic | ₹50,722 |
| Basic 40% of CTC, PF on full basic | ₹51,403 |
| Basic 40% of CTC, PF capped at ₹25,000 basic | ₹51,403 |
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 no tax at 7 LPA, because taxable income of ₹5,66,165 is within the ₹12 lakh rebate limit. The old regime would charge ₹22,706 a year with only PF under 80C. For the old regime to come out ahead, you would need about ₹46,665 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) |
|---|---|---|
| 5 LPA | ₹35,456 | ₹35,456 |
| 6 LPA | ₹42,589 | ₹42,589 |
| 7 LPA | ₹49,722 | ₹47,830 |
| 8 LPA | ₹56,855 | ₹53,479 |
| 9 LPA | ₹63,988 | ₹59,128 |
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.