11 LPA in-hand pay (FY 2026-27)
A CTC of ₹11 lakh a year works out to about ₹82,667 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹82,667
New regime · ₹9,92,000 a year
- Old regime
- ₹73,922 a month
- Income tax (new)
- ₹0 a year
- Gross pay
- ₹87,267 a month
- Your PF
- ₹4,400 a month
Assumes basic pay of 40% of CTC, PF of 12% of basic from you and your employer inside the CTC, ₹2,400 a year of professional tax, no other income and no deductions beyond PF. For a salaried person under 60.
Breakdown for a year
| Per year | New regime | Old regime |
|---|---|---|
| CTC | ₹11,00,000 | ₹11,00,000 |
| Employer PF | −₹52,800 | −₹52,800 |
| Gross salary | ₹10,47,200 | ₹10,47,200 |
| Your PF | −₹52,800 | −₹52,800 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹9,72,200 | ₹9,42,000 |
| Income tax with cess | −₹0 | −₹1,04,936 |
| In hand a year | ₹9,92,000 | ₹8,87,064 |
| In hand a month | ₹82,667 | ₹73,922 |
A month's payslip at 11 LPA
New tax regime with income tax (TDS) evenly spread throughout the year.
| Gross pay | ₹87,267 |
|---|---|
| Your PF | −₹4,400 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹0 |
| Credited to your bank | ₹82,667 |
Professional tax is typically ₹200 each month (₹300 in one month in certain states), while some states do not charge it.
How changes in salary structure affect it
The same ₹11 lakh CTC can be divided differently. Review your offer letter to see which applies.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹82,667 |
| Basic pay 50% of CTC | New | ₹80,467 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹87,867 |
| Employer PF paid on top of the CTC | New | ₹87,067 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹80,903 |
| No PF deducted | New | ₹91,467 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹76,040 |
Old or new tax regime?
With this salary, the new regime applies no income tax, leaving you with at least as much as the old regime, regardless of deductions.
In-hand salary near 11 LPA
Jobs paying around ₹87,500 a month
93 open jobs on Careerwood Jobs advertise a pay range that reaches within 15% of this monthly gross pay.
- UI/UX Designer Bengaluru · ₹70,000–1.2 lakh a month
- Marketing Specialist Mumbai · ₹50,000–80,000 a month
- Healthcare Quality Control Specialist Bengaluru · ₹50,000–90,000 a month
- Software Developer Bengaluru · ₹6 lakh–₹9 lakh a year
- Senior Software Engineer Remote · ₹80,000–1.2 lakh a month
- Healthcare IT Specialist Bengaluru · ₹60,000–1 lakh a month
Frequently Asked Questions
What is the in-hand pay for 11 LPA?
For FY 2026-27, the new tax regime gives about ₹82,667 per month in hand (₹9,92,000 yearly). This assumes basic pay is 40% of CTC, with PF at 12% of basic pay from both you and your employer within the CTC, and ₹2,400 yearly in professional tax. Under the old regime without other deductions, it's ₹73,922 monthly.
How much tax is payable on a salary of 11 LPA?
Under the new regime, it's ₹0 annually on taxable income of ₹9,72,200 after the ₹75,000 standard deduction. Taxable income is within the ₹12 lakh Section 87A rebate limit, so no tax is paid. The old regime taxes ₹1,04,936 before other deductions.
What is the monthly salary before deductions for 11 LPA?
Dividing the CTC by 12 gives ₹91,667. Monthly gross pay is ₹87,267 because the employer's ₹4,400 monthly PF contribution is included in the CTC but goes directly to your PF account.
Is the new or old tax regime better for 11 LPA?
At this salary, the new regime charges no income tax, ensuring you have at least as much as the old regime would allow, regardless of your deductions.
What is the PF contribution for a salary of 11 LPA?
It's ₹4,400 monthly: 12% of ₹36,667 monthly basic pay, matched by your employer. If the PF is capped at the ₹15,000 wage ceiling, it's ₹1,800 monthly, with your in-hand pay increasing to about ₹87,867 monthly.
In-hand salary for other CTCs
2 LPA
2.5 LPA
3 LPA
3.5 LPA
4 LPA
4.5 LPA
5 LPA
5.5 LPA
6 LPA
6.5 LPA
7 LPA
7.5 LPA
8 LPA
8.5 LPA
9 LPA
9.5 LPA
10 LPA
10.5 LPA
11 LPA
11.5 LPA
12 LPA
12.5 LPA
12.75 LPA
13 LPA
14 LPA
15 LPA
16 LPA
17 LPA
18 LPA
19 LPA
20 LPA
21 LPA
22 LPA
23 LPA
24 LPA
25 LPA
26 LPA
27 LPA
28 LPA
30 LPA
32 LPA
35 LPA
40 LPA
45 LPA
50 LPA
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