In-hand Salary for 30 LPA CTC (FY 2026-27)
A CTC of ₹30 lakh a year works out to about ₹1,89,894 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹1,89,894
New regime · ₹22,78,728 a year
- Old regime
- ₹1,72,900 a month
- Income tax (new)
- ₹4,30,872 a year
- Gross pay
- ₹2,38,000 a month
- Your PF
- ₹12,000 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 | ₹30,00,000 | ₹30,00,000 |
| Employer PF | −₹1,44,000 | −₹1,44,000 |
| Gross salary | ₹28,56,000 | ₹28,56,000 |
| Your PF | −₹1,44,000 | −₹1,44,000 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹27,81,000 | ₹26,59,600 |
| Income tax with cess | −₹4,30,872 | −₹6,34,795 |
| In hand a year | ₹22,78,728 | ₹20,74,805 |
| In hand a month | ₹1,89,894 | ₹1,72,900 |
A month's payslip at 30 LPA
Under the new tax regime, the income tax (TDS) is divided equally throughout the year.
| Gross pay | ₹2,38,000 |
|---|---|
| Your PF | −₹12,000 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹35,906 |
| Credited to your bank | ₹1,89,894 |
Professional tax is typically ₹200 every month, but it can be ₹300 for one month in certain states, while some states do not charge it.
Effects of the salary structure on it
The ₹30 lakh CTC is divided in various ways. Look at your offer letter to see which one is for you.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹1,89,894 |
| Basic pay 50% of CTC | New | ₹1,84,830 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹2,07,112 |
| Employer PF paid on top of the CTC | New | ₹1,98,150 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹1,86,585 |
| No PF deducted | New | ₹2,10,150 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹1,73,706 |
Old or new tax regime?
With the new regime, you have more left unless your total deductions beyond PF and the standard deduction (like health insurance, 80C investments, home-loan interest, HRA) are over ₹6,54,000 annually. If they are, the old regime benefits you more.