26 LPA in-hand salary for FY 2026-27
A CTC of ₹26 lakh a year works out to about ₹1,69,662 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹1,69,662
New regime · ₹20,35,938 a year
- Old regime
- ₹1,52,169 a month
- Income tax (new)
- ₹3,12,062 a year
- Gross pay
- ₹2,06,267 a month
- Your PF
- ₹10,400 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 | ₹26,00,000 | ₹26,00,000 |
| Employer PF | −₹1,24,800 | −₹1,24,800 |
| Gross salary | ₹24,75,200 | ₹24,75,200 |
| Your PF | −₹1,24,800 | −₹1,24,800 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹24,00,200 | ₹22,98,000 |
| Income tax with cess | −₹3,12,062 | −₹5,21,976 |
| In hand a year | ₹20,35,938 | ₹18,26,024 |
| In hand a month | ₹1,69,662 | ₹1,52,169 |
A month's payslip at 26 LPA
The new tax regime spreads income tax (TDS) evenly through the year.
| Gross pay | ₹2,06,267 |
|---|---|
| Your PF | −₹10,400 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹26,005 |
| Credited to your bank | ₹1,69,662 |
Professional tax is often ₹200 monthly (₹300 in one month in some states), with no charge in a few states.
How changes in the salary structure affect it
The ₹26 lakh CTC is split in different ways. See your offer letter to know which applies.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹1,69,662 |
| Basic pay 50% of CTC | New | ₹1,65,138 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹1,84,178 |
| Employer PF paid on top of the CTC | New | ₹1,76,817 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹1,66,578 |
| No PF deducted | New | ₹1,87,217 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹1,53,474 |
Old or new tax regime?
You'll have more with the new regime unless your deductions, besides PF and the standard deduction (like 80C investments, health insurance, HRA, home-loan interest), total more than about ₹6,73,000 annually. Beyond that, the old regime gives you more.
In-hand salary near 26 LPA
Frequently Asked Questions
What is the in-hand salary for a 26 LPA package?
Around ₹1,69,662 each month (₹20,35,938 annually) under the new tax regime for FY 2026-27. 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 a professional tax of ₹2,400 annually. Under the old regime without other deductions, it is ₹1,52,169 monthly.
How much income tax is owed on a 26 LPA salary?
₹3,12,062 annually under the new regime, based on a taxable income of ₹24,00,200 after applying the ₹75,000 standard deduction. Under the old regime, it amounts to ₹5,21,976 without other deductions.
What is the monthly salary for a 26 LPA package before deductions?
When you divide the CTC by 12, it is ₹2,16,667. Your gross monthly salary is ₹2,06,267, as the employer's PF contribution of ₹10,400 monthly is part of the CTC but goes into your PF account instead of your salary.
Is the old tax regime or new tax regime better for a 26 LPA offer?
Under the new regime, you'll have more unless your deductions beyond PF and the standard deduction (such as 80C investments, health insurance, HRA, and home-loan interest) total over ₹6,73,000 a year. Beyond this, the old regime benefits you more.
How much PF is taken out from a 26 LPA salary?
₹10,400 monthly: 12% of a monthly basic pay of ₹86,667, matched by your employer. If your employer limits PF to the ₹15,000 wage ceiling, it is ₹1,800 monthly and your in-hand salary increases to about ₹1,84,178 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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