Find out exactly how much hits your bank account. We break down your CTC into earnings, deductions, and taxes.
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2025-26 Salary Benchmarks
CTC to In-Hand Salary Benchmark Table
Standard salary breakdowns from ₹3 LPA to ₹50 LPA under the New Tax Regime (50% Basic Salary):
| Annual CTC | Monthly Gross | Monthly Tax (New) | Monthly PF | Est. Monthly In-Hand | Detailed Breakdown |
|---|---|---|---|---|---|
| ₹3 LPA | ₹23,500 | ₹0 (Rebate) | -₹1,500 | ₹21,800 | View ₹3 LPA |
| ₹6 LPA | ₹47,000 | ₹0 (Rebate) | -₹3,000 | ₹43,800 | View ₹6 LPA |
| ₹8 LPA | ₹62,667 | ₹0 (Rebate) | -₹4,000 | ₹58,467 | View ₹8 LPA |
| ₹10 LPA | ₹78,333 | ₹0 (Rebate) | -₹5,000 | ₹73,133 | View ₹10 LPA |
| ₹12 LPA | ₹94,000 | ₹0 (Rebate) | -₹6,000 | ₹87,800 | View ₹12 LPA |
| ₹15 LPA | ₹1,17,500 | -₹6,955 | -₹7,500 | ₹1,02,845 | View ₹15 LPA |
| ₹20 LPA | ₹1,56,667 | -₹13,953 | -₹10,000 | ₹1,32,513 | View ₹20 LPA |
| ₹25 LPA | ₹1,95,833 | -₹23,292 | -₹12,500 | ₹1,59,842 | View ₹25 LPA |
| ₹30 LPA | ₹2,35,000 | -₹34,970 | -₹15,000 | ₹1,84,830 | View ₹30 LPA |
| ₹50 LPA | ₹3,91,667 | -₹83,850 | -₹25,000 | ₹2,82,617 | View ₹50 LPA |
How is In-Hand Salary Calculated?
Your "In-Hand" or "Net Salary" is what remains after all deductions are subtracted from your Gross Salary. The formula is:
Net Salary = Gross Salary - (PF + Professional Tax + Income Tax TDS)
- Gross Salary: Sum of Basic, HRA, and Special Allowances.
- PF (Provident Fund): 12% of your Basic Salary.
- Professional Tax: A state-level tax, usually ₹200/month in states like Karnataka and Maharashtra.
- Income Tax (TDS): Tax Deducted at Source based on your chosen tax regime (Old vs New).
Looking to save more tax and build a retirement pension?
Claim an extra ₹50,000 deduction under Section 80CCD(1B) with National Pension System.