₹60 lakh CTC salary breakup
A typical structure for a ₹60 lakh CTC (₹60,00,000 a year) in the new regime. The new regime gives the higher take-home pay with no extra deductions.
| Component | Monthly | Yearly |
|---|---|---|
| Basic salary | ₹2,50,000 | ₹30,00,000 |
| House rent allowance | ₹1,25,000 | ₹15,00,000 |
| Special allowance | ₹1,11,175 | ₹13,34,100 |
| Gross salary | ₹4,86,175 | ₹58,34,100 |
| Employer PF | ₹1,800 | ₹21,600 |
| Gratuity | ₹12,025 | ₹1,44,300 |
| Your PF | − ₹1,800 | − ₹21,600 |
| Professional tax | − ₹208 | − ₹2,500 |
| Income tax (new regime) | − ₹1,24,670 | − ₹14,96,043 |
In-hand salary: ₹3,59,496 a month (₹43,13,957 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 | ₹3,61,076 | ₹3,600 |
| 50% of CTC | ₹3,59,496 | ₹3,600 |
| 60% of CTC | ₹3,57,917 | ₹3,600 |
Compared with nearby CTCs
Frequently asked questions
What is the in-hand salary for a ₹60 lakh CTC?
About ₹3,59,496 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 ₹3,37,306.
How much income tax is deducted on a ₹60 lakh CTC?
About ₹14,96,043 a year (₹1,24,670 a month as TDS) in the new regime, and about ₹17,62,332 in the old regime with no deductions beyond PF.
How much PF is deducted on a ₹60 lakh 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 ₹30,000 a month and your in-hand pay falls by the difference.
How can I take home more on a ₹60 lakh 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.