14 LPA In-Hand Salary (FY 2026-27)
A CTC of ₹14 lakh a year works out to about ₹1,00,257 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹1,00,257
New regime · ₹12,03,088 a year
- Old regime
- ₹89,974 a month
- Income tax (new)
- ₹60,112 a year
- Gross pay
- ₹1,11,067 a month
- Your PF
- ₹5,600 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 | ₹14,00,000 | ₹14,00,000 |
| Employer PF | −₹67,200 | −₹67,200 |
| Gross salary | ₹13,32,800 | ₹13,32,800 |
| Your PF | −₹67,200 | −₹67,200 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹12,57,800 | ₹12,13,200 |
| Income tax with cess | −₹60,112 | −₹1,83,518 |
| In hand a year | ₹12,03,088 | ₹10,79,682 |
| In hand a month | ₹1,00,257 | ₹89,974 |
A month's payslip at 14 LPA
The new tax regime means income tax (TDS) is spread evenly over the year.
| Gross pay | ₹1,11,067 |
|---|---|
| Your PF | −₹5,600 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹5,009 |
| Credited to your bank | ₹1,00,257 |
Professional tax is usually ₹200 monthly (₹300 in one month in some states), and some states do not charge it.
How the Salary Structure Affects It
The same ₹14 lakh CTC changes with how it's split. Look at your offer letter to see which is used.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹1,00,257 |
| Basic pay 50% of CTC | New | ₹98,913 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹1,06,323 |
| Employer PF paid on top of the CTC | New | ₹1,04,042 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹1,00,347 |
| No PF deducted | New | ₹1,09,642 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹92,776 |
Old or new tax regime?
The new regime gives you more unless deductions over PF and the standard deduction (80C investments, health insurance, HRA, home-loan interest) total more than about ₹4,87,000 yearly. Beyond that, the old regime gives you more.
In-hand salary near 14 LPA
Jobs paying around ₹1.1 lakh a month
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