Enter your CTC. See your exact monthly in-hand salary after PF, Professional Tax, and Income Tax deductions. Updated for FY 2025-26.
Your CTC (Cost to Company) is NOT your take-home salary. Many components are deducted before the money reaches your account. Here's what's typically deducted:
| Deduction | Amount | Notes |
|---|---|---|
| Employee PF contribution | 12% of Basic (typically 36% of CTC) | Goes to your EPF account |
| Income Tax (TDS) | As per slab | Depends on regime & deductions |
| Professional Tax | ₹200/month (most states) | Varies by state |
| Health insurance premium | Varies (₹500–₹3,000/month) | If employer-provided group insurance requires contribution |
Employer PF contribution (another 12% of basic) is part of your CTC but you never see it in hand — it goes directly to your EPF account and is available at retirement/resignation.
| Annual CTC | Monthly In-Hand (Approx.) | Annual Take-Home | Tax Paid |
|---|---|---|---|
| ₹5 Lakh | ₹38,500 | ₹4.62L | ₹0 |
| ₹8 Lakh | ₹59,500 | ₹7.14L | ₹0 |
| ₹12 Lakh | ₹85,000 | ₹10.2L | ₹0 |
| ₹15 Lakh | ₹1,01,000 | ₹12.12L | ₹45,000 |
| ₹20 Lakh | ₹1,27,000 | ₹15.24L | ₹1,05,000 |
| ₹30 Lakh | ₹1,77,000 | ₹21.24L | ₹3,15,000 |
*Approximate. Assumes basic = 40% of CTC, PF on full basic, professional tax ₹2,400/year, new tax regime with ₹75,000 standard deduction.
Both you and your employer contribute 12% of basic salary to your EPF (Employees' Provident Fund) account each month. Your 12% is deducted from your salary; employer's 12% is part of your CTC but an additional cost they bear.
Your EPF earns 8.25% interest (FY 2025-26) — tax-free. This is actually an excellent return for a risk-free instrument. The money is accessible penalty-free after 5 years of service, or upon retirement/resignation after proper cooling period.
💡 Pro Tip: If your employer allows VPF (Voluntary Provident Fund), contributing extra to VPF gives you 8.25% tax-free returns — better than most FDs. Use our Tax Calculator to see how VPF saves you additional tax under 80C.
For most salaried employees with a CTC below ₹15 lakh and limited deductions, the New Tax Regime typically results in higher take-home salary in FY 2025-26, because income up to ₹12 lakh (after ₹75,000 standard deduction) is effectively tax-free.
The Old Regime is better if you have significant HRA exemption, home loan interest deduction (₹2L under Section 24), and maximum 80C investment (₹1.5L). In such cases, total deductions can reach ₹4–5L, reducing taxable income substantially.
📖 Related Guide: How to Save Maximum Income Tax in India 2026 →