19 LPA take-home pay (FY 2026-27)
A CTC of ₹19 lakh a year works out to about ₹1,30,214 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹1,30,214
New regime · ₹15,62,570 a year
- Old regime
- ₹1,15,888 a month
- Income tax (new)
- ₹1,52,630 a year
- Gross pay
- ₹1,50,733 a month
- Your PF
- ₹7,600 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 | ₹19,00,000 | ₹19,00,000 |
| Employer PF | −₹91,200 | −₹91,200 |
| Gross salary | ₹18,08,800 | ₹18,08,800 |
| Your PF | −₹91,200 | −₹91,200 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹17,33,800 | ₹16,65,200 |
| Income tax with cess | −₹1,52,630 | −₹3,24,542 |
| In hand a year | ₹15,62,570 | ₹13,90,658 |
| In hand a month | ₹1,30,214 | ₹1,15,888 |
A month's payslip at 19 LPA
New tax regime, with income tax (TDS) spread evenly throughout the year.
| Gross pay | ₹1,50,733 |
|---|---|
| Your PF | −₹7,600 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹12,719 |
| Credited to your bank | ₹1,30,214 |
Professional tax is often ₹200 each month (₹300 in one month in some states), but some states do not charge this tax.
How the salary structure affects it
The same ₹19 lakh CTC, divided in a different way. Check your offer letter to see which structure applies to you.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹1,30,214 |
| Basic pay 50% of CTC | New | ₹1,26,809 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹1,40,608 |
| Employer PF paid on top of the CTC | New | ₹1,36,233 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹1,27,801 |
| No PF deducted | New | ₹1,43,833 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹1,18,067 |
Old or new tax regime?
The new regime gives you more unless your deductions beyond PF and the standard deduction (like 80C investments, health insurance, HRA, home-loan interest) add up to more than about ₹5,52,000 a year. Beyond that, the old regime benefits you more.