What percentage of CTC is in-hand salary in India?

There is no single percentage. For many private jobs, monthly in-hand lands around 70–85% of CTC/12 after employer PF, gratuity accrual, employee PF and tax. At 10–12 LPA under the new regime, TDS can be nil after the ₹75,000 standard deduction and 87A rebate, so take-home is mostly CTC minus PF/gratuity strips. At 20–25 LPA, tax becomes the bigger gap.

Why is in-hand less than CTC / 12?

CTC often includes employer PF (about 12% of basic), gratuity accrual (~4.81% of basic), and sometimes insurance or variable pay. Those rupees are part of cost-to-company but not credited to your monthly bank account. Employee PF, professional tax and TDS then come off the cash gross.

Take home salary calculator India — 10, 12, 15, 20, 25 LPA examples?

Use the LPA chips on this page. A 12 LPA offer under the new regime with 40% basic can show almost no income tax after standard deduction; a 25 LPA offer will show noticeable TDS. Exact in-hand still depends on basic %, PF wage ceiling, city PT and whether you choose the old regime for HRA.

New vs old tax regime: which gives higher take-home?

The new regime is default and wins for many salaried people without large 80C, 80D, home-loan interest or HRA. The old regime can win if rent + deductions are high. Compare both with the toggle here, then use the old vs new tax regime calculator for a fuller side-by-side.

Does this include bonus, ESOP, or NPS employer contribution?

No. This is a CTC-to-in-hand sketch for a simple private-salary structure: basic, HRA, special allowance, PF and gratuity. Variable bonus, ESOPs, food coupons, NPS 80CCD(2) and company cars are left out so the math stays honest.

CTC to In-Hand Salary Calculator India (FY 2026-27)

Convert an annual CTC / LPA offer into monthly and annual in-hand. Employer PF and gratuity are stripped from CTC, employee PF and a rough professional tax come off cash gross, and TDS is estimated for the new or old tax regime.

Estimates only — not tax, legal, or financial advice. Common India private-salary rules for FY 2026-27; your Form 16 can differ.

Component	Annual	Monthly
CTC	₹12,00,000	₹1,00,000
Basic	₹4,80,000	₹40,000
HRA	₹2,40,000	₹20,000
Special allowance	₹1,45,477	₹12,123
Employer PF (in CTC)	₹57,600	₹4,800
Employer gratuity (in CTC)	₹2,76,923	₹23,077
Cash gross	₹8,65,477	₹72,123
− Employee PF	₹57,600	₹4,800
− Professional tax	₹2,500	₹208
− Estimated TDS	₹0	₹0
In-hand	₹8,05,377	₹67,115

Why CTC is not take-home

Cost to company is the employer’s all-in number. Indian private offers typically bury employer provident fund and a gratuity accrual inside that number. Those rupees are real costs. They are not the salary that lands on the 1st. A take home salary calculator India that divides LPA by 12 is marketing, not payroll.

This CTC to in-hand salary calculator starts from annual CTC, builds a simple structure (basic, HRA, special allowance), pulls employer PF and gratuity out of the cash line, then deducts employee PF, a rough professional tax, and estimated income-tax TDS for FY 2026-27.

The structure we assume

Default basic is 40% of CTC — a common private-sector pattern, not a law. HRA defaults to 50% of basic (metro-style). Employer PF is 12% of basic; tick the wage-ceiling box if your company contributes only on ₹15,000 a month. Employer gratuity is modelled at 15/26 of basic, about 4.81%, which is how many CTC annexures provision the Payment of Gratuity Act. Special allowance is whatever is left so the pieces still add up to CTC.

If your offer letter says basic is 50% of CTC, change the percentage. If HRA is 40% of basic, change that too. Wrong structure is the main reason two “in-hand calculators” disagree on the same 15 LPA.

LPA chips — 10, 12, 15, 20, 25

Those presets exist because people search them. They are not salary bands with official in-hand percentages. Under the new regime, taxable income up to ₹12 lakh can be zero after the 87A rebate; with a ₹75,000 standard deduction, salary around ₹12.75 lakh can also be nil-tax. So a 10 LPA or 12 LPA offer often shows almost no TDS here. A 20 LPA or 25 LPA offer will not. Professional tax and PF still apply.

Other LPA sketches (same engine, unique copy): 10 LPA, 12 LPA, 15 LPA, 20 LPA, 25 LPA.

New vs old take-home

New regime is default. It ignores HRA exemption and most 80C. Old regime lets you claim HRA (see the HRA exemption calculator) and Chapter VI-A deductions, but the slabs are steeper and the standard deduction is ₹50,000 rather than ₹75,000. This page’s old-regime toggle includes rent → HRA and extra 80C. For a fuller winner comparison with 80D, NPS 1B and home-loan interest, use the old vs new tax regime calculator.

Deductions we do model

Employee PF at 12% of the same PF base as the employer. That money is yours, just locked. It is deducted from in-hand even when the new regime gives it no 80C credit. Professional tax is state-level, constitutionally capped at ₹2,500 a year; we use that cap as a “typical PT state” sketch, not a city-wise engine.

TDS uses FY 2026-27 slabs (Budget 2026 did not rewrite them), including health and education cess at 4% and a simple 87A marginal-relief rule so people just above ₹12 lakh are not over-taxed by the rebate cliff. Surcharge starts at ₹50 lakh of taxable income — above the LPA chips, but implemented for completeness.

What “in-hand % of CTC” should you believe?

There is no official table. Quotes like “in-hand is 70% of CTC” collapse too many structures. A PF-capped, no-gratuity-in-CTC startup will look juicier than a bank that loads 12% PF plus gratuity plus insurance into CTC. Read the annexure. If variable pay is 20% of CTC, this calculator will overstate monthly in-hand unless you first knock that variable out of the CTC input.

CTC to In-Hand Salary Calculator India