₹90 lakh CTC salary breakup
A typical structure for a ₹90 lakh CTC (₹90,00,000 a year) in the new regime. The new regime gives the higher take-home pay with no extra deductions.
| Component | Monthly | Yearly |
|---|---|---|
| Basic salary | ₹3,75,000 | ₹45,00,000 |
| House rent allowance | ₹1,87,500 | ₹22,50,000 |
| Special allowance | ₹1,66,463 | ₹19,97,550 |
| Gross salary | ₹7,28,963 | ₹87,47,550 |
| Employer PF | ₹3,000 | ₹36,000 |
| Gratuity | ₹18,038 | ₹2,16,450 |
| Your PF | − ₹3,000 | − ₹36,000 |
| Professional tax | − ₹208 | − ₹2,500 |
| Income tax (new regime) | − ₹2,07,995 | − ₹24,95,939 |
In-hand salary: ₹5,17,759 a month (₹62,13,111 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 ₹25,000 ceiling:
| Basic salary | Monthly in-hand | Monthly PF (total) |
|---|---|---|
| 40% of CTC | ₹5,20,129 | ₹6,000 |
| 50% of CTC | ₹5,17,759 | ₹6,000 |
| 60% of CTC | ₹5,15,390 | ₹6,000 |
Compared with nearby CTCs
| CTC | Monthly in-hand | Monthly tax |
|---|---|---|
| ₹70 lakh | ₹4,10,925 | ₹1,52,171 |
| ₹75 lakh | ₹4,37,634 | ₹1,66,127 |
| ₹80 lakh | ₹4,64,342 | ₹1,80,083 |
| ₹90 lakh | ₹5,17,759 | ₹2,07,995 |
| ₹1 crore | ₹5,71,176 | ₹2,35,907 |
| ₹1.25 crore | ₹6,90,824 | ₹3,19,582 |
| ₹1.5 crore | ₹8,21,195 | ₹3,92,535 |
Change any assumption in the calculator above, or check the income tax on a ₹90 lakh salary.
Frequently asked questions
What is the in-hand salary for a ₹90 lakh CTC?
About ₹5,17,759 a month in the new tax regime for FY 2026-27, assuming basic pay at 50% of CTC, PF on the ₹25,000 wage ceiling, gratuity included in the CTC and ₹2,500 professional tax. In the old regime with no deductions beyond PF it is about ₹4,95,980.
How much income tax is deducted on a ₹90 lakh CTC?
About ₹24,95,939 a year (₹2,07,995 a month as TDS) in the new regime, and about ₹27,57,286 in the old regime with no deductions beyond PF.
How much PF is deducted on a ₹90 lakh CTC?
With PF on the ₹25,000 wage ceiling, you and your employer each contribute ₹3,000 a month. If your employer calculates PF on your full basic, each side becomes ₹45,000 a month and your in-hand pay falls by the difference.
How can I take home more on a ₹90 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.