In-hand salary by CTC
Estimated take-home pay for common CTC levels, with a typical structure: basic at 50% of CTC, PF on the ₹15,000 ceiling, gratuity in CTC and Maharashtra professional tax.
| CTC | Monthly in-hand (new) | Tax (new) | Tax (old, no deductions) |
|---|---|---|---|
| ₹3 Lakh CTC | ₹21,191 | ₹0 | ₹0 |
| ₹5 Lakh CTC | ₹36,857 | ₹0 | ₹0 |
| ₹8 Lakh CTC | ₹61,256 | ₹0 | ₹51,494 |
| ₹10 Lakh CTC | ₹77,522 | ₹0 | ₹92,094 |
| ₹12 Lakh CTC | ₹93,788 | ₹0 | ₹1,40,542 |
| ₹15 Lakh CTC | ₹1,10,811 | ₹88,505 | ₹2,31,892 |
| ₹20 Lakh CTC | ₹1,44,026 | ₹1,77,907 | ₹3,84,142 |
| ₹25 Lakh CTC | ₹1,74,745 | ₹2,97,259 | ₹5,36,392 |
| ₹30 Lakh CTC | ₹2,02,969 | ₹4,46,561 | ₹6,88,642 |
| ₹40 Lakh CTC | ₹2,58,924 | ₹7,51,061 | ₹9,93,142 |
| ₹50 Lakh CTC | ₹3,14,879 | ₹10,55,561 | ₹12,97,642 |
Tax rules for FY 2026-27 · last updated 3 October 2026. Calculations are estimates. Actual salary may vary based on employer payroll structure, exemptions, deductions and state-specific rules.
Your number will differ if your employer uses a different basic percentage, full-basic PF or variable pay. Use the salary calculator with your own structure.