In-hand salary by CTC (2025-26)

How CTC becomes in-hand salary

CTC is the total cost to the company. It includes the employer PF contribution and a gratuity provision that are not paid to you in cash, so the monthly take-home is always lower than CTC divided by twelve. From the gross salary, your own PF, professional tax and income tax are deducted to reach the in-hand amount.

Each page above shows the full year-by-year breakdown for that CTC under the new tax regime for 2025-26, with the standard ₹75,000 deduction and the rebate that keeps income tax at zero up to ₹12,00,000 of taxable income. To model a different basic percentage or a state-specific professional tax, open the interactive calculator.

These breakdowns help a job seeker compare offers on take-home rather than headline CTC, and help an employer explain a payslip to a new worker. The three levers that move the in-hand most are the basic percentage (a higher basic means more PF deducted and a smaller cash component), the state professional tax, and whether taxable income stays under the ₹12,00,000 rebate. Two offers with the same CTC can pay very different amounts in hand once these are set.

What is not in the in-hand figure

The in-hand shown here is your monthly cash after PF, professional tax and income tax. It does not add back the employer PF or gratuity, which stay invested for your retirement and are paid later, and it does not include reimbursements, variable pay or a joining bonus, which are paid separately from the fixed salary.