Monthly take home at each CTC from ₹12 lakh to ₹50 lakh under the new tax regime for FY 2026-27, with PF on your full wages or on the ₹25,000 a month ceiling. Open a row for the full breakdown, the tax slab by slab and the old vs new regime check at that salary.
| CTC | In hand a month, PF on full wages | In hand a month, PF on ₹25,000 ceiling | Income tax a year, PF on full wages |
|---|---|---|---|
| ₹12 lakh | ₹85,700 | ₹91,400 | ₹0 |
| ₹15 lakh | ₹1,00,700 | ₹1,08,700 | ₹78,300 |
| ₹18 lakh | ₹1,18,600 | ₹1,29,100 | ₹1,21,300 |
| ₹20 lakh | ₹1,29,800 | ₹1,41,900 | ₹1,58,300 |
| ₹22 lakh | ₹1,41,000 | ₹1,54,700 | ₹1,96,400 |
| ₹25 lakh | ₹1,56,700 | ₹1,72,700 | ₹2,65,200 |
| ₹28 lakh | ₹1,71,800 | ₹1,89,800 | ₹3,41,700 |
| ₹30 lakh | ₹1,81,400 | ₹2,01,000 | ₹3,99,000 |
| ₹35 lakh | ₹2,05,200 | ₹2,29,000 | ₹5,42,200 |
| ₹40 lakh | ₹2,29,100 | ₹2,57,000 | ₹6,85,400 |
| ₹45 lakh | ₹2,53,000 | ₹2,85,000 | ₹8,28,600 |
| ₹50 lakh | ₹2,76,900 | ₹3,13,000 | ₹9,71,800 |
Figures are rounded to the nearest ₹100; each CTC's page has them to the rupee. Subtract your monthly spending from your row and put what is left into the FI calculator to see the year your investments could cover your spending.
What these figures assume
These figures use one common structure for FY 2026-27: a fixed CTC with no variable pay, joining bonus, group insurance or PF admin charges inside it; basic pay plus dearness allowance at half of total pay (gross salary plus the employer's PF), the floor the labour codes in force since 21 November 2025 set for PF and gratuity wages; gratuity shown at 4.81% of wages; professional tax of ₹2,500 a year (₹200 a month in many states, ₹300 in February in Karnataka and Maharashtra, nil in some); and the new tax regime, the default. A different structure moves the numbers. The CTC vs in hand salary post walks through the method at ₹25 lakh.
This is general information for salaried individuals in India, not personalised financial advice.
