30 LPA in-hand salary for FY 2026-27
A CTC of ₹30 lakh a year works out to about ₹1,89,894 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹1,89,894
New regime · ₹22,78,728 a year
- Old regime
- ₹1,72,900 a month
- Income tax (new)
- ₹4,30,872 a year
- Gross pay
- ₹2,38,000 a month
- Your PF
- ₹12,000 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 | ₹30,00,000 | ₹30,00,000 |
| Employer PF | −₹1,44,000 | −₹1,44,000 |
| Gross salary | ₹28,56,000 | ₹28,56,000 |
| Your PF | −₹1,44,000 | −₹1,44,000 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹27,81,000 | ₹26,59,600 |
| Income tax with cess | −₹4,30,872 | −₹6,34,795 |
| In hand a year | ₹22,78,728 | ₹20,74,805 |
| In hand a month | ₹1,89,894 | ₹1,72,900 |
A month's payslip at 30 LPA
Under the new tax regime, income tax (TDS) is evenly distributed across the year.
| Gross pay | ₹2,38,000 |
|---|---|
| Your PF | −₹12,000 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹35,906 |
| Credited to your bank | ₹1,89,894 |
Professional tax is often ₹200 per month, with some months being ₹300 in certain states, while others charge nothing.
How changes in salary structure affect it
A ₹30 lakh CTC can be divided differently. Refer to your offer letter to see which applies.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹1,89,894 |
| Basic pay 50% of CTC | New | ₹1,84,830 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹2,07,112 |
| Employer PF paid on top of the CTC | New | ₹1,98,150 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹1,86,585 |
| No PF deducted | New | ₹2,10,150 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹1,73,706 |
Old or new tax regime?
Under the new regime, you may end up with more unless your deductions beyond PF and the standard deduction (like 80C investments, health insurance, HRA, home loan interest) total more than ₹6,54,000 a year. Over that, the old regime could be more beneficial.