FY 2026–27 slabs · Built for India
CTC to in-hand: what you actually get paid.
Turn any CTC into your real monthly take-home, compare New vs Old tax regime, and understand every line in your offer, all in about 10 seconds.
Where a ₹12 LPA offer actually goes
Example- Reaches your bank account
- ₹10,24,640
- Employer PF + gratuity, locked inside CTC
- ₹1,00,860
- Your PF contribution (saved, not lost)
- ₹72,000
- Professional tax
- ₹2,500
- Income tax under the New regime
- ₹0
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Reverse calculator · Reality check
Dreaming of ₹1 lakh in hand? That's a ₹15 LPA ask.
Most freshers negotiate in the wrong direction: HR quotes CTC, but your rent and EMIs happen in monthly in-hand. Flip it: start from the salary you actually want, and get the exact CTC to demand before you say yes to an offer.
Want ₹50k a month
₹7 LPA CTC
Want ₹75k a month
₹10.5 LPA CTC
Want ₹1L a month
₹15 LPA CTC
Want ₹1.5L a month
₹23.8 LPA CTC
FY 2026–27 · standard structure · negotiation buffer included
CTC to in-hand: common questions
How do I calculate in-hand salary from CTC?
Start from CTC and remove what never reaches you monthly: the employer PF contribution (12% of basic) and the gratuity provision (≈4.81% of basic), plus any variable bonus paid annually. From the gross that remains, subtract your own 12% PF, professional tax, and income tax. What is left, divided by 12, is your monthly in-hand. This calculator does all of it for your exact CTC.
What is the in-hand salary for 12 LPA in India?
With a standard structure (50% basic, PF and gratuity inside CTC), a ₹12,00,000 CTC gives roughly ₹85,000 per month in hand under the new regime for FY 2026-27. Income tax is zero because taxable income stays under the ₹12 lakh Section 87A rebate limit.
How much of CTC is in-hand salary?
Usually 70–85%, and the share falls as CTC rises because income tax takes a larger slice. On a standard structure with PF on full basic, you keep about 85% at 12 LPA, just under 78% at 20 LPA, and about 72% at 30 LPA.
Is this CTC to in-hand calculator free?
Yes, every calculator on InHandPay is free, with no sign-up and no login. Your salary figures are calculated in your browser and never sent to a server.
More answers in the full FAQ.
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