Salary Details
Typically 40–50% of CTC
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Monthly In-Hand (New Regime)
After all deductions
₹0
Annual CTC₹0
Gross Monthly Salary₹0
Employee EPF (12% of Basic)₹0
Professional Tax₹0
Income Tax (New Regime)₹0
Income Tax (Old Regime)₹0
Monthly Breakup
Basic₹0
HRA (50% of Basic)₹0
Special Allowance (Rest)₹0
How is In-Hand Salary Calculated?
Your CTC (Cost to Company) includes several components that are either deducted before you receive your salary or are employer costs you never see in your account.
In-Hand = Gross Salary − Employee EPF − Professional Tax − Income Tax
Gross Salary = CTC − Employer EPF (12% of Basic) − Gratuity (~4.8% of Basic)
Employee EPF = 12% of Basic Salary per month
Professional Tax = ₹200/month (most metro states), max ₹2,400/year
Income Tax = As per slab (old or new regime)
New Tax Regime (FY 2026-27)
Under the new regime with ₹75,000 standard deduction: income up to ₹12 lakh is effectively tax-free for salaried employees after rebate u/s 87A. Above ₹12L, slabs of 5%, 10%, 15%, 20%, 25%, and 30% apply progressively.
Frequently Asked Questions
What is CTC and how is it different from in-hand salary? ⌄
CTC (Cost to Company) is the total annual cost your employer bears for you. In-hand salary is what you actually receive after deducting employee EPF, professional tax, and income tax. CTC also includes employer EPF and gratuity which you never receive monthly.
What is the EPF deduction rate? ⌄
Both employee and employer contribute 12% of basic salary to EPF. The employee's 12% is deducted from your in-hand salary. The employer's 12% is usually part of your CTC but you don't receive it monthly — it goes to your PF account.
What is Professional Tax? ⌄
Professional Tax is a state-level tax on employment income. It is capped at ₹2,500/year nationally. States like Maharashtra, Karnataka, West Bengal, and Tamil Nadu levy it. Some states like Delhi and Rajasthan do not have professional tax.
Is ₹12 lakh CTC really tax-free under the new regime? ⌄
Yes — for salaried individuals. The ₹75,000 standard deduction brings taxable income to ₹11.25L on a ₹12L salary, and Section 87A rebate covers tax up to ₹12.75L net income. So effectively, up to ₹12L CTC results in zero income tax under the new regime.