Salary FY 2026-27
In-Hand Salary Calculator
Find out exactly how much salary you will receive in hand every month after PF, professional tax, and income tax deductions from your CTC.
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₹
₹3,00,000₹1,00,00,000
₹
₹0₹20,00,000
%
₹
₹0₹2,500
Monthly In-Hand
₹73,123
Annual Take Home
₹8,77,477
Gross Monthly
₹75,123
Est. Annual Tax
₹0
Salary Breakdown
Monthly Breakdown
Gross Monthly Salary₹75,123
Employee PF- ₹1,800
Professional Tax- ₹200
Income Tax (TDS)- ₹0
Monthly In-Hand Salary₹73,123
CTC Components
Basic Salary (40% of CTC)₹4,80,000
Employer PF₹21,600
Gratuity (employer)₹2,76,923
Total CTC₹12,00,000
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Understanding Your Salary Structure in India
Indian salary structures are complex because they include many components: Basic Salary, HRA, Special Allowances, LTA, PF, Gratuity, Bonus, and more. The difference between your CTC and in-hand salary can often be 20–35%.
The key deductions from your gross salary are: (1) Employee PF contribution (12% of basic, max Rs 1,800/month), (2) Professional Tax (max Rs 2,500/year), and (3) TDS on salary (based on your income tax liability under whichever regime you choose).