14 LPA In-Hand Salary for FY 2026-27
A CTC of ₹14 lakh a year works out to about ₹1,00,257 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹1,00,257
New regime · ₹12,03,088 a year
- Old regime
- ₹89,974 a month
- Income tax (new)
- ₹60,112 a year
- Gross pay
- ₹1,11,067 a month
- Your PF
- ₹5,600 a month
Assumes basic pay of 40% of CTC, PF of 12% of basic from you and your employer inside the CTC, ₹2,400 a year of professional tax, no other income and no deductions beyond PF. For a salaried person under 60.
Breakdown for a year
| Per year | New regime | Old regime |
|---|---|---|
| CTC | ₹14,00,000 | ₹14,00,000 |
| Employer PF | −₹67,200 | −₹67,200 |
| Gross salary | ₹13,32,800 | ₹13,32,800 |
| Your PF | −₹67,200 | −₹67,200 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹12,57,800 | ₹12,13,200 |
| Income tax with cess | −₹60,112 | −₹1,83,518 |
| In hand a year | ₹12,03,088 | ₹10,79,682 |
| In hand a month | ₹1,00,257 | ₹89,974 |
A month's payslip at 14 LPA
Under the new tax regime, income tax (TDS) is spread evenly throughout the year.
| Gross pay | ₹1,11,067 |
|---|---|
| Your PF | −₹5,600 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹5,009 |
| Credited to your bank | ₹1,00,257 |
Professional tax is generally ₹200 per month (₹300 in one month for some states), while some states do not charge it.
How the Salary Structure Affects It
The same ₹14 lakh CTC may be divided differently. Check your offer letter to see which one applies to you.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹1,00,257 |
| Basic pay 50% of CTC | New | ₹98,913 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹1,06,323 |
| Employer PF paid on top of the CTC | New | ₹1,04,042 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹1,00,347 |
| No PF deducted | New | ₹1,09,642 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹92,776 |
Old or new tax regime?
In the new tax regime, you keep more unless your deductions beyond PF and the standard deduction (like 80C investments, health insurance, HRA, and home loan interest) total more than about ₹4,87,000 yearly. If they do, the old regime might give you more.
In-hand salary near 14 LPA
Jobs paying around ₹1.1 lakh a month
14 open jobs on IT & Tech Jobs advertise a pay range that reaches within 15% of this monthly gross pay.
- Software Developer Thane · ₹60,000–1 lakh a month
- Operations Manager Gwalior · ₹70,000–1 lakh a month
- Operations Manager Delhi · ₹80,000–1.2 lakh a month
- Operations Manager Bhubaneswar · ₹60,000–1 lakh a month
- Software Developer Remote · ₹60,000–1.2 lakh a month
- Software Developer Ghaziabad · ₹80,000–1.2 lakh a month