In-Hand Salary at Different CTC Levels

Five CTC levels, new regime, standard deduction only

Assumes Basic + DA set exactly at the new labour code's 50% wage floor (see the new wage code's PF impact for why this is now the realistic baseline for most employers), professional tax at the common ₹200/month convention, and no other deductions or exemptions declared. Your own figure will differ if any of these don't match your situation — use the calculator above with your real numbers.

Pattern 1 — PF stops scaling with your salary almost immediately

Employee PF is ₹1,800/month at every single level in this table, from ₹6,00,000 CTC all the way to ₹30,00,000. That's because PF is 12% of your PF wage base, which is capped at the ₹15,000 statutory ceiling — and under the new wage floor (Basic + DA ≥ 50% of CTC), even a ₹6,00,000 CTC produces wages of ₹25,000/month, already well above the ₹15,000 ceiling. Before the wage floor, many lower-CTC employees had a genuinely lower Basic and might not have hit the ceiling this early. Now, almost everyone in this table does.

Pattern 2 — the take-home ratio isn't monotonic

Look closely: the ratio goes from 92.4% at ₹6,00,000 UP to 95.4% at ₹10,00,000, before falling for every band after that. This isn't a mistake — both ₹6,00,000 and ₹10,00,000 fall entirely under the ₹12,00,000 new-regime rebate threshold, so estimated income tax is ₹0 at both. But PF and professional tax stay flat in absolute terms (₹1,800 + ₹200 = ₹2,000/month) while your gross pay keeps rising — so that fixed ₹2,000 eats a shrinking percentage of a bigger number, and the ratio actually improves. The moment CTC rises enough to push you over the rebate threshold (between ₹10,00,000 and ₹15,00,000 here), tax appears and starts pulling the ratio back down for every band after.

Pattern 3 — where tax actually starts biting

At ₹10,00,000 CTC, estimated annual salary income (after employer PF and standard deduction) is ₹9,03,400 — comfortably under the ₹12,00,000 rebate threshold, so tax is zero. At ₹15,00,000 CTC, that figure crosses to ₹14,03,400, past the threshold, and tax appears at ₹7,844/month. This is the single biggest driver of the ratio's decline from here on — PF and professional tax barely move in this table, but income tax rises from ₹0 to ₹39,088/month between the ₹10L and ₹30L bands. If you're deciding between the old and new regime as your CTC crosses this range, see the Old vs New Tax Regime Calculator — old-regime deductions (Section 80C, renumbered Section 123 from Tax Year 2026-27; HRA; home loan interest) can meaningfully change this picture at the higher bands.

What this table assumes, and what changes it

• New tax regime, standard deduction only — if you're on the old regime with real 80C/HRA/home-loan deductions, your actual tax (and therefore take-home) will differ, usually favourably at higher incomes.
• Basic + DA at exactly the 50% wage floor — if your employer sets it higher, your PF wage base is still capped at ₹15,000 either way, so this doesn't change the PF figures in this table.
• Professional tax at the common ₹200/month convention — several states charge none at all; check the Professional Tax Calculator for your state's actual figure.
• No bonus, variable pay, or other income — see why in-hand salary is less than the offer letter for how those change the picture further.

Related reading

• CTC vs gross salary vs in-hand salary — the stage-by-stage breakdown behind every figure in this table.
• How TDS is calculated on monthly salary — why the tax figure jumps the way it does between bands.