₹1 crore CTC salary breakup
A typical structure for a ₹1 crore CTC (₹1,00,00,000 a year) in the new regime. The new regime gives the higher take-home pay with no extra deductions.
| Component | Monthly | Yearly |
|---|---|---|
| Basic salary | ₹4,16,667 | ₹50,00,000 |
| House rent allowance | ₹2,08,333 | ₹25,00,000 |
| Special allowance | ₹1,86,492 | ₹22,37,900 |
| Gross salary | ₹8,11,492 | ₹97,37,900 |
| Employer PF | ₹1,800 | ₹21,600 |
| Gratuity | ₹20,042 | ₹2,40,500 |
| Your PF | − ₹1,800 | − ₹21,600 |
| Professional tax | − ₹208 | − ₹2,500 |
| Income tax (new regime) | − ₹2,36,319 | − ₹28,35,827 |
In-hand salary: ₹5,73,164 a month (₹68,77,973 a year).
How basic pay changes your in-hand salary
A higher basic raises gratuity and, if PF is on full basic, PF. With PF on the ₹15,000 ceiling:
| Basic salary | Monthly in-hand | Monthly PF (total) |
|---|---|---|
| 40% of CTC | ₹5,75,797 | ₹3,600 |
| 50% of CTC | ₹5,73,164 | ₹3,600 |
| 60% of CTC | ₹5,70,532 | ₹3,600 |
Compared with nearby CTCs
| CTC | Monthly in-hand | Monthly tax |
|---|---|---|
| ₹50 lakh | ₹3,14,876 | ₹87,962 |
| ₹60 lakh | ₹3,59,496 | ₹1,24,670 |
| ₹75 lakh | ₹4,39,622 | ₹1,66,539 |
| ₹1 crore | ₹5,73,164 | ₹2,36,319 |
Change any assumption in the calculator above, or check the income tax on a ₹1 crore salary.
Frequently asked questions
What is the in-hand salary for a ₹1 crore CTC?
About ₹5,73,164 a month in the new tax regime for FY 2026-27, assuming basic pay at 50% of CTC, PF on the ₹15,000 wage ceiling, gratuity included in the CTC and ₹2,500 professional tax. In the old regime with no deductions beyond PF it is about ₹5,50,974.
How much income tax is deducted on a ₹1 crore CTC?
About ₹28,35,827 a year (₹2,36,319 a month as TDS) in the new regime, and about ₹31,02,116 in the old regime with no deductions beyond PF.
How much PF is deducted on a ₹1 crore CTC?
With PF on the ₹15,000 wage ceiling, you and your employer each contribute ₹1,800 a month. If your employer calculates PF on your full basic, each side becomes ₹50,000 a month and your in-hand pay falls by the difference.
How can I take home more on a ₹1 crore CTC?
Ask whether PF can be on the wage ceiling, add employer NPS contributions (tax-free in both regimes up to a limit), and, if you pay rent and invest under 80C, compare the old regime, which allows HRA exemption.