In-hand salary table (Financial Year 2026-27 (AY 2027-28))
Modeled CTC-to-in-hand figures across employer-cost and PF scenarios — generated live from SalaryExit’s tax/PF engine, not a static image. New regime, 45% Basic+DA assumption, ₹2,500/year professional tax.
Employer-cost share:PF basis:
| Annual CTC | Annual gross | Employee PF (annual) | Monthly in-hand | In-hand as % of CTC |
|---|---|---|---|---|
| ₹5L | ₹4,35,000 | ₹21,600 | ₹34,242 | 82% |
| ₹6L | ₹5,22,000 | ₹21,600 | ₹41,492 | 83% |
| ₹8L | ₹6,96,000 | ₹21,600 | ₹55,992 | 84% |
| ₹10L | ₹8,70,000 | ₹21,600 | ₹70,492 | 85% |
| ₹12L | ₹10,44,000 | ₹21,600 | ₹84,992 | 85% |
| ₹15L | ₹13,05,000 | ₹21,600 | ₹1,04,142 | 83% |
| ₹18L | ₹15,66,000 | ₹21,600 | ₹1,19,509 | 80% |
| ₹20L | ₹17,40,000 | ₹21,600 | ₹1,31,465 | 79% |
| ₹25L | ₹21,75,000 | ₹21,600 | ₹1,59,742 | 77% |
| ₹30L | ₹26,10,000 | ₹21,600 | ₹1,85,982 | 74% |
| ₹40L | ₹34,80,000 | ₹21,600 | ₹2,35,862 | 71% |
| ₹50L | ₹43,50,000 | ₹21,600 | ₹2,85,742 | 69% |