LPA to in-hand salary: what 2 to 50 LPA CTC pays per month (FY 2026-27)
A table for every CTC from 2 to 50 LPA, a one-paragraph answer for each, the arithmetic behind the numbers, and the levers — basic, PF, state, bonus, regime — that move them.
10 LPA is about ₹77,721 a month in hand, 4 LPA about ₹28,804, 20 LPA about ₹1,44,386 and 50 LPA about ₹3,15,630 for FY 2026-27, on the standard assumptions: basic 45% of CTC, PF on basic capped at the ₹15,000 wage ceiling, Maharashtra professional tax, new tax regime. LPA means lakh per annum — the annual cost-to-company on your offer letter, not what reaches your bank. Type your own CTC below for an instant figure, or find it in the table; every number here is produced by exactly the formula the salary calculator runs.
- 4 LPA: ~₹28,804 a month · 6 LPA: ~₹45,109 · 8 LPA: ~₹61,415
- 10 LPA: ~₹77,721 a month · 12 LPA: ~₹94,027 · 15 LPA: ~₹1,11,096
- 20 LPA: ~₹1,44,386 a month · 30 LPA: ~₹2,03,445 · 50 LPA: ~₹3,15,630
- No income tax up to about 13.3 LPA of CTC (₹12.75 lakh gross) under the new regime; 14 LPA is the first taxed row
- Assumptions: basic 45% of CTC, PF on basic capped at ₹15,000/month, Maharashtra professional tax, no bonus, new regime
- CTC ≠ pay: employer PF and gratuity are inside CTC and never reach you
Basic 45% of CTC, PF capped at ₹1,800 a month, Maharashtra professional tax, no variable pay. Change any of those in the full calculator.
In-hand salary for every CTC from 2 to 50 LPA
New-regime figures are the default because it is the default regime and beats the old one for almost everyone below ₹20 LPA without large deductions. The old-regime column assumes ₹1,75,000 of Section 80C/80D deductions on top of PF, which is the calculator’s default.
| CTC | New regime / month | Take-home / year | Tax / year | Old regime / month |
|---|---|---|---|---|
| 2 LPA | ₹14,298 | ₹1,71,571 | Nil | ₹14,298 |
| 2.5 LPA | ₹17,924 | ₹2,15,089 | Nil | ₹17,924 |
| 3 LPA | ₹21,551 | ₹2,58,606 | Nil | ₹21,551 |
| 3.5 LPA | ₹25,177 | ₹3,02,124 | Nil | ₹25,177 |
| 3.6 LPA | ₹25,902 | ₹3,10,828 | Nil | ₹25,902 |
| 4 LPA | ₹28,804 | ₹3,45,642 | Nil | ₹28,804 |
| 4.5 LPA | ₹32,880 | ₹3,94,560 | Nil | ₹32,880 |
| 5 LPA | ₹36,956 | ₹4,43,478 | Nil | ₹36,956 |
| 5.5 LPA | ₹41,033 | ₹4,92,395 | Nil | ₹41,033 |
| 6 LPA | ₹45,109 | ₹5,41,313 | Nil | ₹45,109 |
| 6.5 LPA | ₹49,186 | ₹5,90,231 | Nil | ₹49,186 |
| 7 LPA | ₹53,262 | ₹6,39,148 | Nil | ₹53,262 |
| 7.5 LPA | ₹57,339 | ₹6,88,066 | Nil | ₹57,339 |
| 8 LPA | ₹61,415 | ₹7,36,984 | Nil | ₹60,124 |
| 9 LPA | ₹69,568 | ₹8,34,820 | Nil | ₹66,581 |
| 9.5 LPA | ₹73,645 | ₹8,83,737 | Nil | ₹69,810 |
| 10 LPA | ₹77,721 | ₹9,32,655 | Nil | ₹73,039 |
| 11 LPA | ₹85,874 | ₹10,30,490 | Nil | ₹79,496 |
| 12 LPA | ₹94,027 | ₹11,28,326 | Nil | ₹85,953 |
| 13 LPA | ₹1,02,180 | ₹12,26,162 | Nil | ₹92,400 |
| 14 LPA | ₹1,04,215 | ₹12,50,584 | ₹73,413 | ₹98,009 |
| 15 LPA | ₹1,11,096 | ₹13,33,157 | ₹88,675 | ₹1,03,618 |
| 16 LPA | ₹1,17,978 | ₹14,15,730 | ₹1,03,938 | ₹1,09,228 |
| 18 LPA | ₹1,31,471 | ₹15,77,656 | ₹1,37,683 | ₹1,20,446 |
| 20 LPA | ₹1,44,386 | ₹17,32,627 | ₹1,78,383 | ₹1,31,665 |
| 22 LPA | ₹1,57,069 | ₹18,84,828 | ₹2,21,853 | ₹1,42,883 |
| 25 LPA | ₹1,75,169 | ₹21,02,023 | ₹2,98,165 | ₹1,59,711 |
| 30 LPA | ₹2,03,445 | ₹24,41,344 | ₹4,48,021 | ₹1,87,757 |
| 40 LPA | ₹2,59,538 | ₹31,14,452 | ₹7,53,268 | ₹2,43,849 |
| 50 LPA | ₹3,15,630 | ₹37,87,560 | ₹10,58,515 | ₹2,99,942 |
Two things explain the shape of the table. Up to about 13.3 LPA of CTC — which is ₹12.75 lakh of gross salary once employer PF and gratuity are taken off — there is no income tax under the new regime, because the ₹75,000 standard deduction and the Section 87A rebate cover taxable income up to ₹12 lakh; in-hand is simply gross minus PF and professional tax. The 14 LPA row is the first with tax, and from there it climbs through the 15%, 20%, 25% and 30% bands, which is why in-hand grows by about ₹2,035 a month between 13 and 14 LPA but by about ₹8,153 between 12 and 13.
How the in-hand figure is worked out
Take 10 LPA. Basic is 45% of CTC, ₹4,50,000. PF is calculated on basic capped at ₹1,80,000 a year (the ₹15,000-a-month wage ceiling), so the employer’s contribution is ₹21,600 and gratuity provision is 4.81% of basic, ₹21,645; both are inside the CTC but never paid to you, leaving a gross salary of ₹9,56,755. From gross, your own PF of ₹21,600 and professional tax of ₹2,500 are deducted. Taxable income is gross less the ₹75,000 standard deduction and professional tax, ₹8,79,255, which is under ₹12 lakh, so the 87A rebate wipes the tax out and the employer deducts no TDS under Section 192. Annual take-home is ₹9,32,655; divided by twelve, ₹77,721 a month.
| Step | 10 LPA |
|---|---|
| Annual CTC | ₹10,00,000 |
| − Employer PF (12% of capped basic) | − ₹21,600 |
| − Gratuity provision (4.81% of basic) | − ₹21,645 |
| = Gross salary | ₹9,56,755 |
| − Employee PF | − ₹21,600 |
| − Professional tax | − ₹2,500 |
| − Income tax (new regime, after 87A rebate) | Nil |
| = Annual take-home | ₹9,32,655 |
| ÷ 12 = Monthly in hand | ₹77,721 |
Older posts and forum answers quoting “10 LPA = ₹68,000 a month” were right under the pre-2025 slabs, when 10 LPA paid around ₹60,000 of tax. The Finance Act 2025 moved the no-tax threshold to ₹12 lakh of taxable income, and the Income-tax Act, 2025 carried that into FY 2026-27, so the same CTC now pays nothing.
What moves the number
| Lever | Effect on monthly in hand |
|---|---|
| Basic percentage (40–50% is typical) | Higher basic means more PF and gratuity taken out of CTC; at 10 LPA, moving basic from 45% to 50% lowers in-hand by about ₹200 a month when PF is capped, and by about ₹1,000 when PF is on full basic |
| PF on full basic rather than the ₹15,000 ceiling | Both contributions rise; at 10 LPA in-hand falls by roughly ₹3,000 a month, but the money is yours in EPF |
| Variable pay / bonus | Part of CTC but paid annually or quarterly, so the monthly figure drops by the bonus divided by twelve; a 10% variable at 10 LPA takes about ₹8,300 off each month |
| State professional tax | ₹0 in Delhi, UP, Haryana and Rajasthan; about ₹200 a month in Maharashtra, Karnataka, Tamil Nadu, West Bengal, Gujarat, MP, Kerala |
| Old regime with real deductions | Only wins with large HRA, 80C and home-loan interest; see the old-regime column, the HRA calculator and the regime switch in the income tax calculator |
| ESI | 0.75% of gross if gross is ₹21,000 a month or less — relevant up to about 3 LPA |
| Other benefits in CTC | Insurance premiums, meal cards, NPS employer contribution: in CTC, not in pay |
Every CTC, one at a time
Each figure below uses the same assumptions as the table. Change any of them in the calculator.
2 LPA in hand salary
2 LPA is about ₹14,298 a month in hand (₹1,71,571 a year) on the standard assumptions: basic ₹90,000, employer PF ₹10,800 and gratuity ₹4,329 come off the CTC to leave a gross of ₹1,84,871; your own PF of ₹10,800, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹14,298 a month.
2.5 LPA in hand salary
2.5 LPA is about ₹17,924 a month in hand (₹2,15,089 a year) on the standard assumptions: basic ₹1,12,500, employer PF ₹13,500 and gratuity ₹5,411 come off the CTC to leave a gross of ₹2,31,089; your own PF of ₹13,500, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹17,924 a month.
3 LPA in hand salary
3 LPA is about ₹21,551 a month in hand (₹2,58,606 a year) on the standard assumptions: basic ₹1,35,000, employer PF ₹16,200 and gratuity ₹6,494 come off the CTC to leave a gross of ₹2,77,306; your own PF of ₹16,200, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹21,551 a month.
3.5 LPA in hand salary
3.5 LPA is about ₹25,177 a month in hand (₹3,02,124 a year) on the standard assumptions: basic ₹1,57,500, employer PF ₹18,900 and gratuity ₹7,576 come off the CTC to leave a gross of ₹3,23,524; your own PF of ₹18,900, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹25,177 a month.
3.6 LPA in hand salary
3.6 LPA is about ₹25,902 a month in hand (₹3,10,828 a year) on the standard assumptions: basic ₹1,62,000, employer PF ₹19,440 and gratuity ₹7,792 come off the CTC to leave a gross of ₹3,32,768; your own PF of ₹19,440, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹25,902 a month.
4 LPA in hand salary
4 LPA is about ₹28,804 a month in hand (₹3,45,642 a year) on the standard assumptions: basic ₹1,80,000, employer PF ₹21,600 and gratuity ₹8,658 come off the CTC to leave a gross of ₹3,69,742; your own PF of ₹21,600, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹28,804 a month.
4.5 LPA in hand salary
4.5 LPA is about ₹32,880 a month in hand (₹3,94,560 a year) on the standard assumptions: basic ₹2,02,500, employer PF ₹21,600 and gratuity ₹9,740 come off the CTC to leave a gross of ₹4,18,660; your own PF of ₹21,600, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹32,880 a month.
5 LPA in hand salary
5 LPA is about ₹36,956 a month in hand (₹4,43,478 a year) on the standard assumptions: basic ₹2,25,000, employer PF ₹21,600 and gratuity ₹10,822 come off the CTC to leave a gross of ₹4,67,578; your own PF of ₹21,600, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹36,956 a month.
5.5 LPA in hand salary
5.5 LPA is about ₹41,033 a month in hand (₹4,92,395 a year) on the standard assumptions: basic ₹2,47,500, employer PF ₹21,600 and gratuity ₹11,905 come off the CTC to leave a gross of ₹5,16,495; your own PF of ₹21,600, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹41,033 a month.
6 LPA in hand salary
6 LPA is about ₹45,109 a month in hand (₹5,41,313 a year) on the standard assumptions: basic ₹2,70,000, employer PF ₹21,600 and gratuity ₹12,987 come off the CTC to leave a gross of ₹5,65,413; your own PF of ₹21,600, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹45,109 a month.
6.5 LPA in hand salary
6.5 LPA is about ₹49,186 a month in hand (₹5,90,231 a year) on the standard assumptions: basic ₹2,92,500, employer PF ₹21,600 and gratuity ₹14,069 come off the CTC to leave a gross of ₹6,14,331; your own PF of ₹21,600, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹49,186 a month.
7 LPA in hand salary
7 LPA is about ₹53,262 a month in hand (₹6,39,148 a year) on the standard assumptions: basic ₹3,15,000, employer PF ₹21,600 and gratuity ₹15,151 come off the CTC to leave a gross of ₹6,63,248; your own PF of ₹21,600, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹53,262 a month.
7.5 LPA in hand salary
7.5 LPA is about ₹57,339 a month in hand (₹6,88,066 a year) on the standard assumptions: basic ₹3,37,500, employer PF ₹21,600 and gratuity ₹16,234 come off the CTC to leave a gross of ₹7,12,166; your own PF of ₹21,600, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹57,339 a month.
8 LPA in hand salary
8 LPA is about ₹61,415 a month in hand (₹7,36,984 a year) on the standard assumptions: basic ₹3,60,000, employer PF ₹21,600 and gratuity ₹17,316 come off the CTC to leave a gross of ₹7,61,084; your own PF of ₹21,600, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹60,124 a month.
9 LPA in hand salary
9 LPA is about ₹69,568 a month in hand (₹8,34,820 a year) on the standard assumptions: basic ₹4,05,000, employer PF ₹21,600 and gratuity ₹19,480 come off the CTC to leave a gross of ₹8,58,920; your own PF of ₹21,600, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹66,581 a month.
9.5 LPA in hand salary
9.5 LPA is about ₹73,645 a month in hand (₹8,83,737 a year) on the standard assumptions: basic ₹4,27,500, employer PF ₹21,600 and gratuity ₹20,563 come off the CTC to leave a gross of ₹9,07,837; your own PF of ₹21,600, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹69,810 a month.
10 LPA in hand salary
10 LPA is about ₹77,721 a month in hand (₹9,32,655 a year) on the standard assumptions: basic ₹4,50,000, employer PF ₹21,600 and gratuity ₹21,645 come off the CTC to leave a gross of ₹9,56,755; your own PF of ₹21,600, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹73,039 a month.
11 LPA in hand salary
11 LPA is about ₹85,874 a month in hand (₹10,30,490 a year) on the standard assumptions: basic ₹4,95,000, employer PF ₹21,600 and gratuity ₹23,810 come off the CTC to leave a gross of ₹10,54,590; your own PF of ₹21,600, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹79,496 a month.
12 LPA in hand salary
12 LPA is about ₹94,027 a month in hand (₹11,28,326 a year) on the standard assumptions: basic ₹5,40,000, employer PF ₹21,600 and gratuity ₹25,974 come off the CTC to leave a gross of ₹11,52,426; your own PF of ₹21,600, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹85,953 a month.
13 LPA in hand salary
13 LPA is about ₹1,02,180 a month in hand (₹12,26,162 a year) on the standard assumptions: basic ₹5,85,000, employer PF ₹21,600 and gratuity ₹28,138 come off the CTC to leave a gross of ₹12,50,262; your own PF of ₹21,600, professional tax of ₹2,500 and no income tax at all under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹92,400 a month.
14 LPA in hand salary
14 LPA is about ₹1,04,215 a month in hand (₹12,50,584 a year) on the standard assumptions: basic ₹6,30,000, employer PF ₹21,600 and gratuity ₹30,303 come off the CTC to leave a gross of ₹13,48,097; your own PF of ₹21,600, professional tax of ₹2,500 and ₹73,413 of income tax for the year under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹98,009 a month.
15 LPA in hand salary
15 LPA is about ₹1,11,096 a month in hand (₹13,33,157 a year) on the standard assumptions: basic ₹6,75,000, employer PF ₹21,600 and gratuity ₹32,467 come off the CTC to leave a gross of ₹14,45,932; your own PF of ₹21,600, professional tax of ₹2,500 and ₹88,675 of income tax for the year under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹1,03,618 a month.
16 LPA in hand salary
16 LPA is about ₹1,17,978 a month in hand (₹14,15,730 a year) on the standard assumptions: basic ₹7,20,000, employer PF ₹21,600 and gratuity ₹34,632 come off the CTC to leave a gross of ₹15,43,768; your own PF of ₹21,600, professional tax of ₹2,500 and ₹1,03,938 of income tax for the year under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹1,09,228 a month.
18 LPA in hand salary
18 LPA is about ₹1,31,471 a month in hand (₹15,77,656 a year) on the standard assumptions: basic ₹8,10,000, employer PF ₹21,600 and gratuity ₹38,961 come off the CTC to leave a gross of ₹17,39,439; your own PF of ₹21,600, professional tax of ₹2,500 and ₹1,37,683 of income tax for the year under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹1,20,446 a month.
20 LPA in hand salary
20 LPA is about ₹1,44,386 a month in hand (₹17,32,627 a year) on the standard assumptions: basic ₹9,00,000, employer PF ₹21,600 and gratuity ₹43,290 come off the CTC to leave a gross of ₹19,35,110; your own PF of ₹21,600, professional tax of ₹2,500 and ₹1,78,383 of income tax for the year under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹1,31,665 a month.
22 LPA in hand salary
22 LPA is about ₹1,57,069 a month in hand (₹18,84,828 a year) on the standard assumptions: basic ₹9,90,000, employer PF ₹21,600 and gratuity ₹47,619 come off the CTC to leave a gross of ₹21,30,781; your own PF of ₹21,600, professional tax of ₹2,500 and ₹2,21,853 of income tax for the year under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹1,42,883 a month.
25 LPA in hand salary
25 LPA is about ₹1,75,169 a month in hand (₹21,02,023 a year) on the standard assumptions: basic ₹11,25,000, employer PF ₹21,600 and gratuity ₹54,112 come off the CTC to leave a gross of ₹24,24,288; your own PF of ₹21,600, professional tax of ₹2,500 and ₹2,98,165 of income tax for the year under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹1,59,711 a month.
30 LPA in hand salary
30 LPA is about ₹2,03,445 a month in hand (₹24,41,344 a year) on the standard assumptions: basic ₹13,50,000, employer PF ₹21,600 and gratuity ₹64,935 come off the CTC to leave a gross of ₹29,13,465; your own PF of ₹21,600, professional tax of ₹2,500 and ₹4,48,021 of income tax for the year under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹1,87,757 a month.
40 LPA in hand salary
40 LPA is about ₹2,59,538 a month in hand (₹31,14,452 a year) on the standard assumptions: basic ₹18,00,000, employer PF ₹21,600 and gratuity ₹86,580 come off the CTC to leave a gross of ₹38,91,820; your own PF of ₹21,600, professional tax of ₹2,500 and ₹7,53,268 of income tax for the year under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹2,43,849 a month.
50 LPA in hand salary
50 LPA is about ₹3,15,630 a month in hand (₹37,87,560 a year) on the standard assumptions: basic ₹22,50,000, employer PF ₹21,600 and gratuity ₹1,08,225 come off the CTC to leave a gross of ₹48,70,175; your own PF of ₹21,600, professional tax of ₹2,500 and ₹10,58,515 of income tax for the year under the new regime are deducted from that. Under the old regime with ₹1.75 lakh of deductions the figure is ₹2,99,942 a month.
LPA, CTC, gross and in hand: the four numbers
LPA is lakh per annum, a unit. CTC (cost to company) is the annual total the employer spends on you, and it is the number quoted in LPA. Gross is CTC minus the employer-side items you never receive — the employer’s PF share and the gratuity provision — and is what appears as earnings on your salary slip. In hand (net, take-home) is gross minus your PF, professional tax and income tax. A 20 LPA salary therefore means a ₹20,00,000 CTC, roughly ₹18.9 lakh gross and about ₹1,44,386 a month in hand under the new regime.
Is 10 LPA a good salary? Is 50 LPA rich?
Tax law gives a usable yardstick. Budget 2025 set the no-tax threshold at ₹12 lakh of taxable income and described that band as the middle class; 10 LPA sits inside it and pays no income tax at all. The 30% slab begins at ₹24 lakh taxable, and the 10% surcharge at ₹50 lakh — the Income Tax Department’s return statistics put filers above ₹50 lakh at a few lakh people out of more than seven crore returns, well under 1%. So 50 LPA is rare by the government’s own count, and 10 LPA is comfortably above the point at which the state stops taxing salary. Whether either feels like enough depends on rent, which in Mumbai or Bengaluru can take a third of a 10 LPA in-hand — the HRA exemption is the one lever that softens it. The full slab-by-slab position for any income is in the income tax calculator.
Common questions
About ₹77,721 a month, or ₹9,32,655 a year, under the new tax regime with basic at 45% of CTC, PF capped at the ₹15,000 wage ceiling and Maharashtra professional tax. There is no income tax at this CTC because taxable income stays under ₹12 lakh.
About ₹73,645 a month under the new regime, with no income tax; the deductions are your PF (₹21,600 a year) and professional tax.
A 20 LPA CTC is ₹20,00,000 a year. After employer PF and gratuity it is about ₹18.9 lakh gross, and after your PF, professional tax and income tax about ₹1,44,386 a month in hand under the new regime.
About ₹28,804 a month. At 4 LPA, basic is ₹1.8 lakh, so PF is ₹1,800 a month each side, and there is no income tax.
By the tax system's own yardstick, yes: it sits inside the band Budget 2025 defined as middle class and pays no income tax under the new regime. Whether it feels comfortable depends mainly on rent in your city.
It is rare. The 10 percent surcharge begins at ₹50 lakh of taxable income, and the Income Tax Department's statistics put filers above that level at well under 1 percent of all returns. In hand it is about ₹3,15,630 a month under the new regime.
Because CTC includes the employer's PF contribution and a gratuity provision that are never paid to you, and because your own PF, professional tax and income tax come out of gross pay. At 10 LPA the gap is about ₹5,600 a month.
Yes for a salaried person under the new regime: the ₹75,000 standard deduction brings 12.75 lakh of gross salary down to ₹12 lakh of taxable income, and the Section 87A rebate cancels the tax on that. Income above 12.75 LPA is taxed with marginal relief just over the line.
Lakh per annum: one lakh is ₹1,00,000, so 6 LPA is a ₹6,00,000 annual cost to company. It is a unit for CTC, not for take-home pay.
- Income Tax Department — slabs and rebate, FY 2026-27
- EPFO — contribution rates and the ₹15,000 wage ceiling
- Finance Act 2025 and Income-tax Act, 2025 — India Code
Figures computed on 26 September 2026 with the same formula as the TaxGamma salary calculator, on the stated assumptions; your employer's structure may differ. General information, not tax advice.