What is the in-hand salary for 30 LPA?
A CTC of ₹30,00,000 (30 LPA) gives you roughly ₹1,80,685 per month in hand under the New Regime for FY 2026-27, assuming a standard structure (50% basic, employer PF and gratuity included in CTC, ₹2,500/year professional tax). That's about 72% of your CTC reaching your bank account.
New Regime
₹1,80,685
per month in hand
| Gross taxable earnings | ₹27,47,850 |
| Taxable income | ₹26,72,850 |
| Total tax (incl. cess) | ₹3,97,129 |
| Employee PF | − ₹1,80,000 |
| Professional tax | − ₹2,500 |
| Annual in-hand | ₹21,68,221 |
Old Regime
₹1,63,785
per month in hand
| Gross taxable earnings | ₹27,47,850 |
| Taxable income | ₹25,47,850 |
| Total tax (incl. cess) | ₹5,99,929 |
| Employee PF | − ₹1,80,000 |
| Professional tax | − ₹2,500 |
| Annual in-hand | ₹19,65,421 |
At 30 LPA, the New Regime saves you ₹2,02,800 per year versus the other regime.
Monthly salary breakdown (New Regime)
| Monthly gross (taxable earnings ÷ 12) | ₹2,28,988 |
| Employee PF | − ₹15,000 |
| Income tax (incl. cess) | − ₹33,094 |
| Professional tax | − ₹208 |
| Monthly in-hand | ₹1,80,685 |
What 30 LPA actually means
A large salary, and the point where roughly a third of the package never reaches you.
This bracket covers directors, senior engineering leaders, and specialists at the top of their individual-contributor track.
At ₹30 LPA the gap between CTC and cash has grown into something structural rather than incidental. Between the employer PF share, the gratuity provision, your own PF, professional tax, and a full top-slab income tax bill, a substantial fraction of your package is committed before you see it.
None of that is avoidable through cleverness, and treating it as a problem to be optimised away leads people into genuinely bad decisions: dubious tax products, aggressive claims, elaborate structures that unravel under scrutiny. The tax is the price of the income.
What is worth optimising is the composition of the offer. The fixed-versus-variable split, whether employer PF is inside or outside the quoted CTC, and how gratuity is counted all vary between employers and all move your monthly cash. Those are legitimate negotiating levers and they are usually left on the table.
Past the rebate, this is ordinary slab tax now
Your taxable income of ₹26,72,850 is far enough above the ₹12,00,000 rebate limit that both the rebate and its marginal relief have run out. The ₹3,97,129 you pay is the plain slab tax on your income plus 4% cess. No cliffs, no relief, and no surprises from here.
Watch out: Beware of "tax-saving" schemes at this income
High earners are the target market for elaborate tax products that promise more than they deliver. The legitimate deductions are well known and finite. If something sounds like a loophole, price in the cost of being wrong.
Your structure is different?
Adjust bonus, basic %, PF, gratuity, state and age. Results update live.
Calculate for your exact CTC →How this 30 LPA breakdown works
Out of the ₹30,00,000 CTC, the employer's PF contribution (₹1,80,000) and the gratuity provision (₹72,150) never reach your monthly pay, leaving gross taxable earnings of ₹27,47,850. From that, your own PF contribution (₹1,80,000), professional tax (₹2,500) and income tax are deducted to arrive at your in-hand salary.
Under the new regime, a ₹75,000 standard deduction applies and taxable income up to ₹12 lakh is fully rebated under Section 87A. Under the old regime, you get a ₹50,000 standard deduction plus 80C credit for your employee PF, and potentially much more if you claim HRA or other investments, which this standard estimate doesn't include. If you pay rent, check your HRA exemption before choosing a regime.
Frequently asked questions
What is the monthly in-hand salary for 30 LPA?
A 30 LPA CTC gives approximately ₹1,80,685 per month in hand under the New Regime for FY 2026-27, assuming a standard structure (50% basic, employer PF and gratuity inside CTC). That is about 72% of CTC reaching your bank account.
How much income tax do I pay on 30 LPA?
On a 30 LPA CTC you pay roughly ₹3,97,129 per year (₹33,094 a month) under the new regime, or ₹5,99,929 under the old regime without extra deductions.
30 LPA: should I pick the new or old tax regime?
With a standard salary structure and no large deductions, the New Regime is better at 30 LPA, and it saves ₹2,02,800 per year. The old regime can still win if you claim substantial HRA, 80C, and home-loan interest, so compare with your actual deductions.
How much PF is deducted from a 30 LPA salary?
With a 50% basic (₹15,00,000 a year), your employee PF contribution is ₹1,80,000 per year (₹15,000 a month). Your employer contributes a similar amount inside your CTC, which builds your retirement corpus but never appears in your monthly pay.
Why is my in-hand salary lower than 30 LPA ÷ 12?
Because CTC includes money you never receive monthly: the employer PF contribution (₹1,80,000), gratuity provision (₹72,150), and then income tax, your own PF, and professional tax are deducted. ₹2,50,000 of "CTC per month" becomes ₹1,80,685 in hand.
How can I increase my in-hand salary at 30 LPA?
Legitimately: negotiate a higher fixed component relative to variable, understand whether employer PF and gratuity sit inside or outside the quoted CTC, and choose the regime that actually fits your deductions. The income tax itself, at this level, is largely fixed by law. The structure of your package is not.