FY 2026-27 · new regime default
25 LPA in-hand salary India
- FY 2026-27
- Estimates
25 LPA in-hand is a tax story more than a PF story. The same 40% basic / 12% PF structure that felt invisible at 12 LPA now sits under a 25% marginal slab.
Estimated monthly in-hand
₹1,27,428
₹15,29,137 / year · 61.2% of ₹25 lakh CTC
What this 25 LPA sketch assumes
Cost-to-company ₹25,00,000. 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.
FY 2026-27 new regime taxes income from ₹20–24 lakh at 25%. Surcharge still does not apply at 25 LPA. Professional tax remains a rounding error next to TDS.
Who it is for: Senior IC and early-manager CTC conversations that should not use a 12 LPA screenshot. 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 | ₹18,03,077 | ₹1,50,256 |
| − Employee PF | ₹1,20,000 | ₹10,000 |
| − Professional tax | ₹2,500 | ₹208 |
| − Estimated TDS | ₹1,51,440 | ₹12,620 |
| In-hand | ₹15,29,137 | ₹1,27,428 |
Other LPA sketches use the same engine: 10 LPA12 LPA15 LPA20 LPA