In-hand salary for 5.5 LPA (FY 2026-27)
A CTC of ₹5.5 lakh a year works out to about ₹41,233 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹41,233
New regime · ₹4,94,800 a year
- Old regime
- ₹41,233 a month
- Income tax (new)
- ₹0 a year
- Gross pay
- ₹43,633 a month
- Your PF
- ₹2,200 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 | ₹5,50,000 | ₹5,50,000 |
| Employer PF | −₹26,400 | −₹26,400 |
| Gross salary | ₹5,23,600 | ₹5,23,600 |
| Your PF | −₹26,400 | −₹26,400 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹4,48,600 | ₹4,44,800 |
| Income tax with cess | −₹0 | −₹0 |
| In hand a year | ₹4,94,800 | ₹4,94,800 |
| In hand a month | ₹41,233 | ₹41,233 |
A month's payslip at 5.5 LPA
Under the new tax regime, income tax (TDS) is spread throughout the year.
| Gross pay | ₹43,633 |
|---|---|
| Your PF | −₹2,200 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹0 |
| Credited to your bank | ₹41,233 |
Professional tax is typically ₹200 monthly (₹300 in one month in some states), while some states do not charge it.
How changes in salary structure affect it
Same ₹5.5 lakh CTC, structured differently. Look at your offer letter to see which one is relevant.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹41,233 |
| Basic pay 50% of CTC | New | ₹40,133 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹42,033 |
| Employer PF paid on top of the CTC | New | ₹43,433 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹40,352 |
| No PF deducted | New | ₹45,633 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹41,233 |
Old or new tax regime?
With this salary, the new regime doesn't charge income tax, leaving you with at least as much as under the old regime, no matter your deductions.
In-hand salary near 5.5 LPA
Jobs paying around ₹43,500 a month
385 open jobs on IT & Tech Jobs advertise a pay range that reaches within 15% of this monthly gross pay.
- Digital Marketing Executive Remote · ₹35,000–50,000 a month
- Software Tester Mysuru · ₹50,000–90,000 a month
- Content Writer Remote · ₹25,000–50,000 a month
- UI/UX Designer Ahmedabad · ₹40,000–80,000 a month
- Digital Marketing Executive Remote · ₹25,000–50,000 a month
- Operations Executive Nellore · ₹40,000–70,000 a month
Frequently Asked Questions
What is the in-hand pay for 5.5 LPA?
About ₹41,233 monthly (₹4,94,800 annually) with the new tax regime for FY 2026-27, if basic pay is 40% of CTC, and both you and your employer contribute 12% of basic to PF within the CTC, plus ₹2,400 yearly in professional tax. Under the old regime, without extra deductions, it is ₹41,233 monthly.
What income tax applies to a 5.5 LPA salary?
₹0 a year in the new regime, with a taxable income of ₹4,48,600 after applying the ₹75,000 standard deduction. No tax is owed since the taxable income is within the ₹12 lakh limit for the Section 87A rebate. In the old regime, it is ₹0 before considering other deductions.
What is the monthly salary for 5.5 LPA pre-deductions?
Your CTC divided by 12 equals ₹45,833. Monthly gross pay is ₹43,633, as the employer's PF of ₹2,200 monthly is included in the CTC but goes to your PF account instead of your salary.
Is the old or new tax regime better for 5.5 LPA?
The new regime requires no income tax on this salary, providing at least as much as the old regime, regardless of your deductions.
What is the PF deduction on a 5.5 LPA salary?
₹2,200 monthly: 12% of ₹18,333 basic pay monthly, matched by the employer. If PF is calculated only on the ₹15,000 wage limit, it is ₹1,800 monthly, raising your in-hand pay to about ₹42,033 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
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