Package
Rates as of FY 2026-27 (AY 2027-28). PF on the ₹15,000/month wage ceiling. HRA exemption under section 10(13A) is not modelled, so the old regime is understated for anyone paying rent. Estimate only — confirm with your payroll team.
Breakup (annual)
Basic₹5.40 L
HRA₹2.70 L
Special allowance₹3.42 L
Employer PF₹21.6K
Gratuity provision₹26.0K
Gross (in-hand before deductions)₹11.52 L
Less: Employee PF(₹21.6K)
Less: Professional tax(₹2.4K)
Less: Income tax + cess(₹0)
Annual take-home₹11.28 L
Monthly take-home (approx)
₹94.0K
Taxable income ₹10.77 L
Why CTC ≠ take-home
The gap that surprises new hires
CTC includes employer PF, gratuity provisions and allowances the employee never sees in their bank. A ₹12 L CTC often lands around ₹80–90k/month in hand, not ₹1 L — set expectations at offer time to avoid awkward first paydays.
For most salaries under ₹12 L, the new tax regime now wins for employees who don't have large 80C investments. Use the toggle to compare.