Free Tool · Tax & Salary

CTC to In-Hand Salary

Convert CTC to monthly in-hand salary. See PF, professional tax, and income tax deductions for Indian salaried employees.

CTC breakdown
PF deduction
Old & new regime tax
Monthly in-hand

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FY 2025-26 · CTC breakdown for India

Annual CTC

₹

Cost to Company per year

Basic Salary (% of CTC)

HRA (% of Basic)

Professional Tax (annual)

₹

Tax Regime

Monthly In-Hand

₹92,322.47

After PF, tax & PT

Annual Net Salary

₹11,07,870

Take-home per year

Income Tax

₹68,130

Under new regime

Salary Breakdown

Cost to Company (CTC): ₹12,00,000
Basic Salary: ₹4,80,000
HRA: ₹2,40,000
Special Allowance: ₹4,58,400
Employee PF (12%): − ₹21,600
Income Tax: − ₹68,130
Professional Tax: − ₹2,400
Net Annual Salary: ₹11,07,870

Need detailed tax slabs? Open Income Tax Calculator →

CTC to In-Hand Salary Calculator — India FY 2025-26

Salaried employees in India often confuse CTC with take-home pay. Your offer letter may show ₹12 lakh CTC, but your monthly bank credit could be ₹75,000–₹85,000 depending on salary structure, PF, and tax regime. This calculator breaks down every component.

Typical CTC Components

Basic Salary: 40–50% of CTC — basis for PF and HRA
HRA: 40–50% of basic — partially tax exempt if you pay rent
Special Allowance: Remaining balance after basic, HRA, PF
Employee PF: 12% of basic (deducted from salary)
Income Tax: Based on old or new tax regime
Professional Tax: ₹200–₹2,500/year depending on state

Frequently Asked Questions

Common questions about using our tax calculator and understanding your results.

What is CTC vs in-hand salary?

CTC (Cost to Company) is the total amount your employer spends on you including salary, PF, gratuity, and benefits. In-hand salary is what you actually receive in your bank account after deductions like PF, professional tax, and income tax.

How is PF calculated from CTC?

Employee PF is 12% of basic salary, capped at ₹1,800 per month (₹21,600/year) when basic exceeds ₹15,000/month. Employer also contributes 12% but that is part of CTC, not deducted from your in-hand.