In-hand salary for 9 LPA (FY 2026-27)
A CTC of ₹9 lakh a year works out to about ₹67,600 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹67,600
New regime · ₹8,11,200 a year
- Old regime
- ₹61,989 a month
- Income tax (new)
- ₹0 a year
- Gross pay
- ₹71,400 a month
- Your PF
- ₹3,600 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 | ₹9,00,000 | ₹9,00,000 |
| Employer PF | −₹43,200 | −₹43,200 |
| Gross salary | ₹8,56,800 | ₹8,56,800 |
| Your PF | −₹43,200 | −₹43,200 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹7,81,800 | ₹7,61,200 |
| Income tax with cess | −₹0 | −₹67,330 |
| In hand a year | ₹8,11,200 | ₹7,43,870 |
| In hand a month | ₹67,600 | ₹61,989 |
A month's payslip at 9 LPA
Under the new tax regime, income tax (TDS) is evenly spread throughout the year.
| Gross pay | ₹71,400 |
|---|---|
| Your PF | −₹3,600 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹0 |
| Credited to your bank | ₹67,600 |
Professional tax is typically ₹200 per month (₹300 in one month in certain states), while some states do not charge any.
Effects of salary structure changes
The same ₹9 lakh CTC can be divided in different ways. Look at your offer letter to see which applies to you.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹67,600 |
| Basic pay 50% of CTC | New | ₹65,800 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹71,200 |
| Employer PF paid on top of the CTC | New | ₹71,200 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹66,157 |
| No PF deducted | New | ₹74,800 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹64,274 |
Old or new tax regime?
With the new regime, there's no income tax on this salary, so you get at least as much as with the old regime, regardless of deductions.
In-hand salary near 9 LPA
Jobs paying around ₹71,500 a month
127 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
- Account Executive Bengaluru · ₹40,000–70,000 a month
- Senior Software Engineer Remote · ₹80,000–1.2 lakh a month
Frequently Asked Questions
What is the in-hand pay for a 9 LPA salary?
For FY 2026-27 under the new tax regime, the in-hand amount is about ₹67,600 per month, totaling ₹8,11,200 annually. This assumes 40% of CTC as basic pay, a 12% PF contribution from both you and your employer included in the CTC, and a yearly professional tax of ₹2,400. With the old regime and no other deductions, it's ₹61,989 monthly.
How much is the tax on a 9 LPA income?
Under the new regime, it's ₹0 yearly for a taxable income of ₹7,81,800 after a ₹75,000 deduction. No tax is owed as it stays within the ₹12 lakh Section 87A rebate. Under the old regime, it's ₹67,330 before any other deductions.
What is the pre-deduction monthly pay for 9 LPA?
CTC ÷ 12 = ₹75,000. Gross pay monthly is ₹71,400 since ₹3,600 employer's PF each month adds to CTC but is deposited in the PF account, not salary.
Which tax regime is preferable for a 9 LPA salary?
With this salary, the new regime requires no income tax, so it ensures at least as much take-home as the old regime, regardless of deductions.
What PF amount is taken from a 9 LPA salary?
Each month, ₹3,600 is deducted: 12% of a ₹30,000 monthly basic pay, matched by the employer. If the PF applies only to a ₹15,000 wage ceiling, it's ₹1,800 monthly, raising in-hand pay to about ₹71,200.
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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