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

A CTC of ₹9 lakh (₹75,000 a month) gives an in-hand salary of about ₹63,988 a month under the new tax regime and ₹59,128 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)
₹63,988

The new regime leaves you ₹58,314 more a year. Take-home for the year: ₹7,67,855.

Monthly salary slip

Per monthNew regimeOld regime
Gross salary₹68,696₹68,696
Your PF contribution-₹4,500-₹4,500
Professional tax-₹208-₹208
Income tax (TDS)₹0-₹4,859
In-hand salary₹63,988₹59,128

CTC breakup

ComponentA yearA month
Basic + DA₹4,50,000₹37,500
HRA (40% of basic)₹1,80,000₹15,000
Special allowance₹1,94,355₹16,196
Employer PF₹54,000₹4,500
Gratuity (4.81% of basic)₹21,645₹1,804
CTC₹9,00,000₹75,000

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

StructureIn-hand a month (new regime)
Basic 50% of CTC, PF on full basic₹63,988
Basic 50% of CTC, PF capped at ₹25,000 basic₹66,988
Basic 40% of CTC, PF on full basic₹66,149
Basic 40% of CTC, PF capped at ₹25,000 basic₹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 no tax at 9 LPA, because taxable income of ₹7,49,355 is within the ₹12 lakh rebate limit. The old regime would charge ₹58,314 a year with only PF under 80C. For the old regime to come out ahead, you would need about ₹2,17,855 of deductions on top of your PF and professional tax, such as HRA, other 80C investments, health insurance and home loan interest.

Nearby salaries

CTCIn-hand a month (new)In-hand a month (old)
7 LPA₹49,722₹47,830
8 LPA₹56,855₹53,479
9 LPA₹63,988₹59,128
10 LPA₹71,121₹64,778
11 LPA₹78,254₹70,427

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

What is the in-hand salary for 9 LPA?

About ₹63,988 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 ₹66,988.

How much income tax is paid on 9 LPA?

None under the new regime: taxable income is ₹7,49,355 after the ₹75,000 standard deduction, which is within the ₹12 lakh rebate limit. The old regime would charge ₹58,314 a year with only PF under 80C.

How much PF is deducted from a 9 LPA salary?

₹4,500 a month if PF is 12% of your full basic of ₹37,500, and your employer adds the same amount. If PF is capped at the ₹25,000 wage ceiling, it is ₹3,000 a month each.

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.