Salary Guides
This chart maps annual CTC to a realistic monthly in hand figure for the 2026 to 2027 financial year, computed under the new tax regime. A ₹10,00,000 CTC leaves about ₹79,500 a month in the bank. Find your row, then read the assumptions beneath it before quoting the number anywhere.
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Every figure below is computed, not copied. The structure assumed is a plain one: basic pay at half of CTC, provident fund on the statutory wage ceiling, professional tax where it applies, and income tax under the new regime for the 2026 to 2027 financial year. The full working sits in the next section.
| Annual CTC | In hand per month (approx) | In hand per year | Share of CTC reaching you |
|---|---|---|---|
| ₹3,00,000 | ₹22,000 | ₹2,64,000 | 88% |
| ₹4,00,000 | ₹29,500 | ₹3,54,400 | 89% |
| ₹5,00,000 | ₹37,900 | ₹4,54,400 | 91% |
| ₹6,00,000 | ₹46,200 | ₹5,54,400 | 92% |
| ₹7,00,000 | ₹54,500 | ₹6,54,400 | 93% |
| ₹8,00,000 | ₹62,900 | ₹7,54,400 | 94% |
| ₹9,00,000 | ₹71,200 | ₹8,54,400 | 95% |
| ₹10,00,000 | ₹79,500 | ₹9,54,400 | 95% |
| ₹12,00,000 | ₹96,200 | ₹11,54,400 | 96% |
| ₹15,00,000 | ₹1,13,400 | ₹13,60,270 | 91% |
| ₹18,00,000 | ₹1,34,000 | ₹16,08,093 | 89% |
| ₹20,00,000 | ₹1,47,200 | ₹17,66,493 | 88% |
| ₹25,00,000 | ₹1,78,400 | ₹21,41,339 | 86% |
| ₹30,00,000 | ₹2,07,100 | ₹24,85,339 | 83% |
Treat the chart as a reckoner, not a promise. Two offers with the same CTC can pay out differently once the structure underneath is unpacked, which is exactly what the assumptions below make visible.
Change any of these and the numbers move. The chart assumes:
Basic pay at 50% of CTC. This is the most common structure in Indian private companies and lines up with the 50% wage rule under the Code on Wages, 2019.
Provident fund on the wage ceiling. Employer and employee each contribute 12% of basic to EPF. Both contributions here are reckoned on the statutory monthly wage ceiling of ₹15,000 once basic crosses it, which caps each side at ₹1,800 a month. Your CTC includes the employer's share, so gross salary is CTC minus that share. Some employers contribute on actual basic instead, which lowers in hand and raises retirement savings.
Nothing else loaded into CTC. No gratuity provision, no variable pay, no insurance premium. Plenty of offers do load these in, and every rupee of them widens the gap between CTC and the bank credit.
Professional tax of ₹200 a month where monthly pay crosses common state thresholds. Slabs differ by state, and a few states levy none at all.
Income tax on the new regime. The slabs for the 2026 to 2027 financial year are unchanged from the previous year: nil up to ₹4 lakh, then 5%, 10%, 15%, 20%, and 25% in ₹4 lakh steps, and 30% above ₹24 lakh. Salaried taxpayers get a standard deduction of ₹75,000, the Section 87A rebate wipes out tax where taxable income stays within ₹12 lakh, and a 4% cess applies on the tax that remains. Details sit on the income tax portal.
ESI is absent from the chart because at every CTC level shown, monthly gross exceeds the ₹21,000 ESI wage ceiling. Below that ceiling, an employee contribution of 0.75% of gross would also leave the payslip.
Notice the shape. The share of CTC reaching the bank climbs steadily to 96% at ₹12,00,000, then falls away. That hump is the Section 87A rebate at work. From roughly ₹8 lakh to ₹12 lakh of CTC under this structure, taxable income stays inside the rebate zone and income tax is nil, so the only cuts are provident fund and professional tax.
Cross the rebate line and slab tax arrives in earnest, which is why ₹15,00,000 of CTC yields a smaller share than ₹10,00,000 does. The rupee amount still rises with every row. The percentage does not.
The chart is one structure. Yours has levers.
Regime choice. The chart runs on the new regime. If you pay substantial rent, hold a home loan, or invest heavily under Chapter VI A, the old regime with its exemptions can beat it at some incomes. Run both before your employer locks the declaration for the year.
Voluntary PF. VPF trims the monthly credit and fattens the retirement corpus. Neither choice is wrong; just know which one your payslip reflects. The PF calculator shows the long arc of those contributions.
Where you work. Professional tax is a state subject. Moving states can shift the deduction by a few hundred rupees a month.
What sits inside your CTC. Ask for the annexure. If gratuity, insurance, or a variable component is counted in, your in hand will land below the chart's row for the same headline number. The salary structure guide walks through how private companies apportion the components, and the difference between CTC and in hand salary is unpacked separately if the two figures on your offer still feel far apart.
An offer letter in hand, chart on screen. Here is the sequence that keeps the comparison honest.
First, find the fixed CTC. If the letter quotes ₹12,00,000 with ₹2,00,000 of variable pay, your row is 10 lakh, not 12. Variable pay arrives on its own cycle, if it arrives at all, and should never be counted in the monthly figure you plan rent around.
Second, scan the annexure for employer side loadings. A gratuity provision or a group insurance premium inside the CTC shrinks the gross before any deduction is even applied, so knock those off before you look up the row.
Third, check the PF base. If the annexure computes provident fund on actual basic rather than the ₹15,000 ceiling, both PF lines grow and the monthly credit shrinks below the chart's figure, while your retirement corpus quietly benefits.
What remains after those three adjustments should sit within a whisker of the chart. If it does not, the structure holds something the annexure has not explained, and that is a fair question to put to HR before signing rather than after the first payslip.
Most CTC disappointment is not deception, it is drift. The offer letter says one number, the salary structure is built later by hand, and the first payslip surprises everyone. The fix is to build the structure at offer stage and let the payslip inherit it.
Offrd does this in one pass. The salary structure auto balances to total CTC, the statutory pieces, EPF, ESI, and professional tax, are computed at the document level, and the same heads flow into every payslip from the payslip generator. Candidates see the real monthly figure before they sign, which is cheaper than explaining it after they join. Pricing starts at ₹99 per document, with 50 free credits on signup.
Yes. In hand, net, and take home all name the same thing: the amount credited to your bank after employee provident fund, professional tax, and income tax leave the gross. Gross salary is the larger figure those deductions come out of, and CTC is larger still because it includes what the employer spends beyond your gross.
Usually one of four reasons. Your CTC carries a variable component paid quarterly or annually rather than monthly. Gratuity or insurance is counted inside the CTC. Your employer computes PF on actual basic rather than the ceiling. Or you are on the old regime without having submitted investment proofs, so TDS runs higher through the year. The annexure to your offer letter settles which one it is.
No. Every row is computed on the new regime. Old regime outcomes swing widely with HRA, home loan interest, and Chapter VI A investments, so a single chart would mislead. Use the CTC vs in hand salary calculator to test your own declarations under both regimes.
No. The chart assumes the entire CTC is fixed pay. If a fifth of your CTC is a performance bonus, your monthly credit will run well below the row for your headline number, with the bonus arriving separately, and taxed, whenever it pays out.
A chart trades precision for speed. It answers the sizing question, roughly what does this CTC pay monthly, in one glance, under one declared structure. A calculator takes your actual basic, your regime, your state, and your declarations, and returns your number rather than the structure's number. Use the chart to shortlist offers and the calculator before you accept one.
Offrd is used by 4,000+ companies across India to build salary structures that balance to CTC and payslips that match them. 50 free credits on signup, no card needed.