In-Hand Salary Calculator India (2026)

CTC (Cost to Company) represents the total annual expenditure an employer incurs on you, including direct gross salary, employer PF contributions, annual bonuses, gratuity, and medical insurance. In-Hand Salary is the net amount credited to your bank account every month after deducting employee EPF, Professional Tax, and Income Tax (TDS).

Under the updated New Tax Regime, salaried employees receive a standard deduction of ₹75,000. Additionally, with the Section 87A rebate, any taxable income up to ₹7,00,000 (effective CTC up to ₹7,75,000 for salaried employees) incurs ZERO income tax.

The employee EPF contribution is 12% of your Basic Salary + DA. In most Indian corporate CTC packages, Basic Salary is structured as 40% to 50% of the gross compensation, capped either at ₹1,800/month or 12% of actual basic pay.

Professional Tax is a state-level tax levied by state governments (such as Karnataka, Maharashtra, Telangana, and West Bengal), typically capped at a maximum of ₹2,500 per year (approximately ₹200 per month).