9 LPA take-home pay (FY 2026-27)
A CTC of ₹9 lakh a year works out to about ₹67,600 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹67,600
New regime · ₹8,11,200 a year
- Old regime
- ₹61,989 a month
- Income tax (new)
- ₹0 a year
- Gross pay
- ₹71,400 a month
- Your PF
- ₹3,600 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 | ₹9,00,000 | ₹9,00,000 |
| Employer PF | −₹43,200 | −₹43,200 |
| Gross salary | ₹8,56,800 | ₹8,56,800 |
| Your PF | −₹43,200 | −₹43,200 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹7,81,800 | ₹7,61,200 |
| Income tax with cess | −₹0 | −₹67,330 |
| In hand a year | ₹8,11,200 | ₹7,43,870 |
| In hand a month | ₹67,600 | ₹61,989 |
A month's payslip at 9 LPA
New tax regime, with income tax (TDS) divided evenly across the year.
| Gross pay | ₹71,400 |
|---|---|
| Your PF | −₹3,600 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹0 |
| Credited to your bank | ₹67,600 |
Professional tax is often ₹200 each month (₹300 for one month in certain states), while some states don't charge it.
How different salary structures affect it
The same ₹9 lakh CTC, divided in various ways. 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 | ₹67,600 |
| Basic pay 50% of CTC | New | ₹65,800 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹71,200 |
| Employer PF paid on top of the CTC | New | ₹71,200 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹66,157 |
| No PF deducted | New | ₹74,800 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹64,274 |
Old or new tax regime?
In the new regime, no income tax is charged at this pay level, so you get at least the same amount as the old regime no matter what deductions you use.
In-hand salary near 9 LPA
Jobs paying around ₹71,500 a month
199 open jobs on IT & Tech Jobs advertise a pay range that reaches within 15% of this monthly gross pay.
- Operations Manager Durgapur · ₹60,000–90,000 a month
- Software Tester Mysuru · ₹50,000–90,000 a month
- UI/UX Designer Ahmedabad · ₹40,000–80,000 a month
- Software Developer Thane · ₹60,000–1 lakh a month
- Operations Executive Nellore · ₹40,000–70,000 a month
- Digital Marketing Coordinator Kochi · ₹40,000–70,000 a month