Your CTC

As written in your offer letter.

₹
₹1 L₹1 Cr
% of CTC
20%70%
Variable pay / bonusYearly amount included in the CTC₹
Tax regime
Employer PF12% of basic
Gratuity in CTC4.81% of basic
Professional taxYearly; ₹0 in states without it₹

Your take-home pay

New tax regime, FY 2026-27.

In-hand salary₹93,787per month
Income tax₹0TDS per month
PF savings₹3,600Yours + employer's
Where your CTC goes
  • In-hand salary94%₹93,787
  • Your PF contribution2%₹1,800
  • Employer PF contribution2%₹1,800
  • Gratuity (paid when you leave, after 5 years)2%₹2,405
  • Professional tax0%₹208
  • The new regime gives you ₹11,711 more a month than the old regime.
  • A ₹1 lakh raise in CTC adds about ₹8,133 a month to your in-hand pay.

Salary structure

Typical split of your CTC; your employer's may differ. Yearly in-hand includes any bonus after tax.

ComponentMonthlyYearly
Basic salary₹50,000₹6,00,000
House rent allowance (HRA)₹25,000₹3,00,000
Special allowance₹20,795₹2,49,540
Gross salary₹95,795₹11,49,540
Employer PF₹1,800₹21,600
Gratuity₹2,405₹28,860
Cost to company (CTC)₹1,00,000₹12,00,000
Less: your PF− ₹1,800− ₹21,600
Less: professional tax− ₹208− ₹2,500
Less: income tax (TDS)₹0₹0
In-hand salaryNew regime₹93,787₹11,25,440

Estimates only, not financial advice.Salary in-hand calculator by BlogBanking