In-hand salary table (Tax Year 2026–27 (FY 2026–27))
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 (current ×12) | Monthly in-hand | In-hand as % of CTC |
|---|---|---|---|---|
| ₹5L | ₹4,35,000 | ₹23,490 | ₹34,084 | 82% |
| ₹6L | ₹5,22,000 | ₹28,188 | ₹40,943 | 82% |
| ₹8L | ₹6,96,000 | ₹36,000 | ₹54,792 | 82% |
| ₹10L | ₹8,70,000 | ₹36,000 | ₹69,292 | 83% |
| ₹12L | ₹10,44,000 | ₹36,000 | ₹83,792 | 84% |
| ₹15L | ₹13,05,000 | ₹36,000 | ₹1,02,942 | 82% |
| ₹18L | ₹15,66,000 | ₹36,000 | ₹1,18,309 | 79% |
| ₹20L | ₹17,40,000 | ₹36,000 | ₹1,30,265 | 78% |
| ₹25L | ₹21,75,000 | ₹36,000 | ₹1,58,542 | 76% |
| ₹30L | ₹26,10,000 | ₹36,000 | ₹1,84,782 | 74% |
| ₹40L | ₹34,80,000 | ₹36,000 | ₹2,34,662 | 70% |
| ₹50L | ₹43,50,000 | ₹36,000 | ₹2,84,542 | 68% |