CTC to In-Hand Salary Chart for India
What each CTC actually pays per month for FY 2026-27, after income tax, employee PF and professional tax. The third column is the part that surprises people: the difference between CTC divided by 12 and the money that reaches your account.
| CTC | CTC ÷ 12 | Real monthly in-hand | Monthly shortfall |
|---|---|---|---|
| ₹3 lakh | ₹25,000 | ₹21,199 | ₹3,801 |
| ₹4 lakh | ₹33,333 | ₹28,732 | ₹4,601 |
| ₹5 lakh | ₹41,667 | ₹36,865 | ₹4,802 |
| ₹6 lakh | ₹50,000 | ₹44,998 | ₹5,002 |
| ₹7 lakh | ₹58,333 | ₹53,130 | ₹5,203 |
| ₹8 lakh | ₹66,667 | ₹61,263 | ₹5,404 |
| ₹9 lakh | ₹75,000 | ₹69,396 | ₹5,604 |
| ₹10 lakh | ₹83,333 | ₹77,529 | ₹5,804 |
| ₹12 lakh | ₹1,00,000 | ₹93,795 | ₹6,205 |
| ₹15 lakh | ₹1,25,000 | ₹1,10,819 | ₹14,181 |
| ₹18 lakh | ₹1,50,000 | ₹1,31,151 | ₹18,849 |
| ₹20 lakh | ₹1,66,667 | ₹1,44,033 | ₹22,634 |
| ₹25 lakh | ₹2,08,333 | ₹1,74,752 | ₹33,581 |
| ₹30 lakh | ₹2,50,000 | ₹2,02,975 | ₹47,025 |
| ₹35 lakh | ₹2,91,667 | ₹2,30,952 | ₹60,715 |
| ₹40 lakh | ₹3,33,333 | ₹2,58,930 | ₹74,403 |
| ₹50 lakh | ₹4,16,667 | ₹3,14,884 | ₹1,01,783 |
| ₹75 lakh | ₹6,25,000 | ₹4,39,630 | ₹1,85,370 |
| ₹1 crore | ₹8,33,333 | ₹5,73,173 | ₹2,60,160 |
Why the gap is so wide
CTC is what your employer spends on you, not what it pays you. Employer PF and gratuity sit inside the number but never arrive as cash. Any variable or performance pay is usually annual rather than monthly. What is left is taxed, and then employee PF and state professional tax come out of that.
Every figure above assumes basic pay at 50% of CTC, Karnataka professional tax, and no old-regime exemptions claimed, then reports whichever regime pays more. Your own structure will differ, so treat these as the shape of the answer rather than the answer. Run your exact numbers on the calculator or paste the offer letter itself.
Reading the rest of the offer
- Is a 90-Day Notice Period Normal in India? Common at senior levels, negotiable more often than candidates think.
- What Is a Clawback Clause in an Offer Letter? Money already in your account that you might have to pay back.
- Variable Pay Above 25% of CTC: Red Flag or Normal? The number on the offer letter isn't the number in your bank account.
- Employment Bond in Offer Letters: Can You Refuse to Sign? A minimum-tenure commitment, usually with a financial penalty attached.
- Non-Compete Clause in India: Is It Even Enforceable? Mostly unenforceable after you leave, but the details matter.
- What Does 'CTC' Actually Mean? Why Your Take-Home Is Always Lower The number on your offer letter and the number in your bank account are never the same.
- Your First Job Offer: What the CTC Actually Means What a first job actually pays, and the clauses to check before you sign.
- Old vs New Tax Regime: Which Gives You More? The default wins for most people. Here is when it does not.
- How to Read Your Salary Breakup (Annexure) Every line explained, and which ones you never actually see.
- Gratuity: The 5-Year Rule and What You Actually Get It is in your CTC, but you only see it if you stay.
- PF on Your Salary: Why It Is Deducted, and Is It Good? The deduction that feels like a loss but is mostly your own savings.
- HRA Exemption: How Much of Your Rent Is Tax-Free? The least of three numbers, and a calculator to find yours.
- Notice Period Buyout: What Leaving Early Costs What the unserved months cost, and who usually pays.