FY 2026-27 · new regime default
15 LPA in-hand salary India
- FY 2026-27
- Estimates
At 15 LPA the new regime’s 15% band is in play. In-hand as a share of CTC drops versus 10–12 LPA even with the same 40% basic structure.
Estimated monthly in-hand
₹83,946
₹10,07,346 / year · 67.2% of ₹15 lakh CTC
What this 15 LPA sketch assumes
Cost-to-company ₹15,00,000. Basic at 40% of CTC. HRA at 50% of basic. Employer PF 12% of basic (no ₹15,000 ceiling). Employer gratuity at 15/26 of basic. Special allowance is the residual so the pieces still add to CTC. Employee PF matches the employer base. Professional tax ₹2,500 a year. New tax regime for Tax Year 2026-27, ₹75,000 standard deduction, 4% cess.
Taxable income around ₹14 lakh (after standard deduction on a typical cash gross) is no longer 87A-zero. Expect a visible TDS line on the payslip.
Who it is for: Mid-level private roles comparing two offers that look identical in LPA but differ in PF loading. It is not a bank guarantee. Variable bonus, ESOPs, NPS 80CCD(2) and “PF only on ₹15,000” will move the monthly number — that is what the live calculator is for.
Breakdown
| Component | Annual | Monthly |
|---|---|---|
| Cash gross | ₹10,81,846 | ₹90,154 |
| − Employee PF | ₹72,000 | ₹6,000 |
| − Professional tax | ₹2,500 | ₹208 |
| − Estimated TDS | ₹0 | ₹0 |
| In-hand | ₹10,07,346 | ₹83,946 |
Other LPA sketches use the same engine: 10 LPA12 LPA20 LPA25 LPA