Enter your CTC — get your exact monthly in-hand salary. Covers PF, income tax (old & new regime), professional tax, HRA exemption, and all standard deductions for FY 2025-26.
Most employees in India are surprised to find their actual bank credit much lower than their CTC. A ₹12 LPA CTC does not mean ₹1L/month in hand. After PF (24% of basic — employer + employee), income tax, and professional tax, you typically receive 65–78% of your CTC as take-home salary.
CTC includes employer-side costs that you never directly receive: employer PF contribution (12% of basic), gratuity provision (4.81% of basic), group health insurance, corporate perks. Your gross salary = CTC minus these employer costs. Then employee PF (12% of basic), income tax TDS, and professional tax are deducted from gross to arrive at take-home.
New regime generally gives higher in-hand for CTC up to ₹10–12L and for those with few deductions. Old regime is better if you have large HRA, 80C investments, home loan interest, or 80D. The crossover point depends on your specific deductions — use the Old vs New Regime Calculator to compare accurately.
HRA exemption is the minimum of: (1) Actual HRA received, (2) 50% of basic (metro) / 40% (non-metro), (3) Actual rent paid minus 10% of basic. This exemption reduces your taxable income in the old regime. In the new regime, HRA exemption is NOT available — your full HRA is added to taxable income (though the lower slab rates may still make new regime better).
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