🇮🇳 India In-Hand Salary Calculator
Estimate India in-hand salary from annual gross, PF, and income tax slab assumptions.
Contexte de la Regle Regionale
India Taux et Regles
Taux d'Imposition
Exonerations
- -Standard deduction: Rs 50,000 (new regime)
- -Employee PF: 12% of basic salary
- -Health and education cess: 4% on tax
Entrez les valeurs
Resultat
Entrez les valeurs ci-dessus et cliquez sur Calculer pour voir votre resultat.
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Avis : Avis : Ce calculateur utilise les regles publiques en vigueur a la date indiquee. Les resultats sont a titre informatif uniquement. Verifiez aupres des sources officielles. Derniere verification: 1 mars 2026.
Formule
Uses PF deduction plus slab-based income tax and 4% cess for a planning-level in-hand estimate.
Questions Frequentes
What is in-hand on 12 LPA CTC?
On Rs 12,00,000 CTC: employer PF ~Rs 1,08,000, gratuity ~Rs 57,692, leaving gross ~Rs 10,34,308. Employee PF ~Rs 1,08,000, income tax ~Rs 54,600 (new regime), cess ~Rs 2,184. Monthly in-hand approximately Rs 72,000.
What is the difference between CTC and in-hand?
CTC (Cost to Company) includes employer PF (12%), gratuity (4.81%), insurance, and other benefits. Gross salary is CTC minus employer contributions. In-hand (net) is gross minus employee PF (12%) and income tax. Typically in-hand is 65-75% of CTC.
Which is better, old or new tax regime?
New regime is better if you claim few deductions. Old regime may be better if you have significant HRA, 80C investments (Rs 1.5L), home loan interest (Rs 2L), NPS (Rs 50K), and other deductions totaling Rs 3L+. Compare both before choosing.
What is the 4% cess?
A 4% Health and Education Cess is applied on the total income tax amount (not on income). On Rs 50,000 tax, cess = Rs 2,000. It funds healthcare and education programs and cannot be avoided.
Is PF deducted from my in-hand?
Yes. Employee PF (12% of basic salary, capped at Rs 15,000 basic for some) is deducted before you receive your in-hand salary. Employer matches this 12% separately. PF earns approximately 8.15% tax-free interest annually.
What is professional tax?
A state-level tax of up to Rs 2,500 per year deducted by employers in most states (Maharashtra, Karnataka, West Bengal, etc.). Some states like Delhi and Rajasthan do not charge it. It is a small but mandatory deduction from salary.
How do I maximize my in-hand salary?
Under new regime: limited options (standard deduction Rs 50,000, employer NPS Rs 50,000). Under old regime: maximize 80C (Rs 1.5L via ELSS, PPF, EPF), claim HRA if renting, home loan interest (Rs 2L), NPS (additional Rs 50K under 80CCD), and medical insurance (Rs 25K-50K under 80D).
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