In-Hand Salary by CTC (FY 2026-27)
What a given CTC actually becomes in your bank account each month. Figures assume 50% Basic, PF on the ₹15,000 wage cap, Karnataka professional tax, and no other deductions under the new regime. The old-regime column assumes a full ₹1,50,000 Section 80C claim and no HRA or rent. Pick a CTC for the full breakdown, or use the Salary Calculator for your own numbers.
| Annual CTC | Monthly in-hand (new regime) | Monthly in-hand (old, 80C) | Income tax / year (new) |
|---|---|---|---|
| ₹5 lakh CTC | ₹36,865 | ₹36,865 | ₹0 |
| ₹6 lakh CTC | ₹44,998 | ₹44,998 | ₹0 |
| ₹7 lakh CTC | ₹53,130 | ₹53,130 | ₹0 |
| ₹8 lakh CTC | ₹61,263 | ₹59,196 | ₹0 |
| ₹9 lakh CTC | ₹69,396 | ₹65,637 | ₹0 |
| ₹10 lakh CTC | ₹77,529 | ₹72,079 | ₹0 |
| ₹12 lakh CTC | ₹93,795 | ₹84,961 | ₹0 |
| ₹15 lakh CTC | ₹1,10,819 | ₹1,02,206 | ₹88,503 |
| ₹18 lakh CTC | ₹1,31,151 | ₹1,18,992 | ₹1,37,303 |
| ₹20 lakh CTC | ₹1,44,033 | ₹1,30,183 | ₹1,77,902 |
| ₹25 lakh CTC | ₹1,74,752 | ₹1,58,160 | ₹2,97,252 |
| ₹30 lakh CTC | ₹2,02,975 | ₹1,86,137 | ₹4,46,550 |
| ₹40 lakh CTC | ₹2,58,929 | ₹2,42,092 | ₹7,51,046 |
| ₹50 lakh CTC | ₹3,14,884 | ₹2,98,046 | ₹10,55,543 |
| ₹75 lakh CTC | ₹4,39,630 | ₹4,21,109 | ₹19,98,462 |
| ₹1 crore CTC | ₹5,73,173 | ₹5,54,651 | ₹28,35,827 |
| ₹1.5 crore CTC | ₹8,23,172 | ₹8,03,809 | ₹47,15,583 |
| ₹2 crore CTC | ₹10,83,914 | ₹10,64,550 | ₹64,66,437 |
PayClever gives you an informational estimate, not tax, legal, or financial advice — check with a professional before acting on it.