27 LPA in-hand pay (FY 2026-27)
A CTC of ₹27 lakh a year works out to about ₹1,74,720 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹1,74,720
New regime · ₹20,96,635 a year
- Old regime
- ₹1,57,352 a month
- Income tax (new)
- ₹3,41,765 a year
- Gross pay
- ₹2,14,200 a month
- Your PF
- ₹10,800 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 | ₹27,00,000 | ₹27,00,000 |
| Employer PF | −₹1,29,600 | −₹1,29,600 |
| Gross salary | ₹25,70,400 | ₹25,70,400 |
| Your PF | −₹1,29,600 | −₹1,29,600 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹24,95,400 | ₹23,88,400 |
| Income tax with cess | −₹3,41,765 | −₹5,50,181 |
| In hand a year | ₹20,96,635 | ₹18,88,219 |
| In hand a month | ₹1,74,720 | ₹1,57,352 |
A month's payslip at 27 LPA
Income tax (TDS) under the new tax regime is spread evenly throughout the year.
| Gross pay | ₹2,14,200 |
|---|---|
| Your PF | −₹10,800 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹28,480 |
| Credited to your bank | ₹1,74,720 |
Professional tax is commonly ₹200 monthly (₹300 in one month for some states), while some states do not charge it.
Impact of salary structure changes
Even with a ₹27 lakh CTC, the division can vary. Look at 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 | ₹1,74,720 |
| Basic pay 50% of CTC | New | ₹1,70,162 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹1,89,912 |
| Employer PF paid on top of the CTC | New | ₹1,82,150 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹1,71,741 |
| No PF deducted | New | ₹1,92,950 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹1,58,532 |
Old or new tax regime?
In the new regime, you usually end up with more unless your deductions beyond PF and the standard deduction (like 80C investments, health insurance, HRA, home-loan interest) total over about ₹6,69,000 annually. Above this amount, the old regime gives you more.