3 LPA in-hand pay (FY 2026-27)
A CTC of ₹3 lakh a year works out to about ₹22,400 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹22,400
New regime · ₹2,68,800 a year
- Old regime
- ₹22,400 a month
- Income tax (new)
- ₹0 a year
- Gross pay
- ₹23,800 a month
- Your PF
- ₹1,200 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 | ₹3,00,000 | ₹3,00,000 |
| Employer PF | −₹14,400 | −₹14,400 |
| Gross salary | ₹2,85,600 | ₹2,85,600 |
| Your PF | −₹14,400 | −₹14,400 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹2,10,600 | ₹2,18,800 |
| Income tax with cess | −₹0 | −₹0 |
| In hand a year | ₹2,68,800 | ₹2,68,800 |
| In hand a month | ₹22,400 | ₹22,400 |
A month's payslip at 3 LPA
New tax regime, with TDS spread out evenly throughout the year.
| Gross pay | ₹23,800 |
|---|---|
| Your PF | −₹1,200 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹0 |
| Credited to your bank | ₹22,400 |
Professional tax is typically ₹200 per month (₹300 for one month in some states), while some states do not charge it.
How the pay structure affects it
The same ₹3 lakh CTC, divided in a different way. Look at your offer letter to see which one you have.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹22,400 |
| Basic pay 50% of CTC | New | ₹21,800 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹22,400 |
| Employer PF paid on top of the CTC | New | ₹23,600 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹21,919 |
| No PF deducted | New | ₹24,800 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹22,400 |
Old or new tax regime?
With this salary, the new regime doesn't charge income tax, so you get at least the same as the old regime no matter what deductions there are.
In-hand salary near 3 LPA
Jobs paying around ₹24,000 a month
208 open jobs on IT & Tech Jobs advertise a pay range that reaches within 15% of this monthly gross pay.
- Junior Software Developer Remote · ₹15,000–25,000 a month
- Content Writer Remote · ₹25,000–50,000 a month
- Digital Marketing Executive Remote · ₹25,000–50,000 a month
- Content Writer Remote · ₹20,000–30,000 a month
- Content Writer Jammu · ₹25,000–35,000 a month
- Operations Coordinator Siliguri · ₹20,000–35,000 a month
Frequently Asked Questions
What is the in-hand salary for a CTC of 3 LPA?
You receive around ₹22,400 monthly (₹2,68,800 annually) using the new tax regime for FY 2026-27. This assumes basic pay is 40% of CTC, with a PF of 12% of basic from both you and your employer within the CTC, and ₹2,400 annually in professional tax. Under the old regime, without other deductions, it remains ₹22,400 monthly.
How much tax do I pay on a 3 LPA salary?
You pay ₹0 annually under the new regime, with a taxable income of ₹2,10,600 after a ₹75,000 standard deduction. There is no tax because your taxable income qualifies for the Section 87A rebate, staying within the ₹12 lakh limit. Under the old regime, it is also ₹0 before considering other deductions.
What is the monthly salary before deductions for 3 LPA?
Dividing the CTC by 12 gives you ₹25,000. Your gross monthly salary is ₹23,800, as the employer's ₹1,200 monthly PF contribution, part of CTC, is deposited into your PF account.
Which tax regime is better for a 3 LPA salary?
With no income tax on this salary under the new regime, it provides you with as much income as the old regime, regardless of deductions.
What is the PF deduction for a 3 LPA salary?
You have ₹1,200 deducted monthly, which is 12% of the ₹10,000 monthly basic pay, matched by your employer. If your employer limits PF to the ₹15,000 wage cap, the deduction is ₹1,800 monthly, and your in-hand salary is about ₹22,400 monthly.
In-hand salary for other CTCs
2 LPA
2.5 LPA
3 LPA
3.5 LPA
4 LPA
4.5 LPA
5 LPA
5.5 LPA
6 LPA
6.5 LPA
7 LPA
7.5 LPA
8 LPA
8.5 LPA
9 LPA
9.5 LPA
10 LPA
10.5 LPA
11 LPA
11.5 LPA
12 LPA
12.5 LPA
12.75 LPA
13 LPA
14 LPA
15 LPA
16 LPA
17 LPA
18 LPA
19 LPA
20 LPA
21 LPA
22 LPA
23 LPA
24 LPA
25 LPA
26 LPA
27 LPA
28 LPA
30 LPA
32 LPA
35 LPA
40 LPA
45 LPA
50 LPA
More free tools
Salary hike calculator
Calculate a percentage hike, or see your new CTC and monthly in-hand pay after a raise.
Job offer comparison
See two offers side by side: monthly in-hand pay, variable pay, bonuses, and commuting costs.
HRA exemption calculator
Find out how much of your HRA is tax-free with the old tax regime.
Gratuity calculator
Learn your gratuity amount when leaving under labour-code rules, and see if you're eligible yet.
EPF calculator
Estimate your provident fund balance at retirement based on basic pay, age, and annual hikes.
Free resume builder
Create a neat, ATS-friendly resume on your phone and get it as a PDF. No sign-up needed.