Calculate take-home salary for ₹6 Lakh CTC. Estimate EPF, Professional Tax, and Income Tax deductions under the new 2026 tax regime.
What Gets Deducted From Your Salary?
Every month, your gross pay is subject to three primary mandatory deductions in India:
- EPF (Employee Provident Fund): 12% of your Basic Salary is deducted as your contribution.
- Professional Tax (PT): A small state-level tax, usually capped at ₹2,500 annually.
- Income Tax (TDS): Calculated based on the Income Tax slabs. As of FY 2026-27, the New Tax Regime is the default.
In-Hand Salary at Different CTC Levels (New Regime)
Estimated monthly take-home for common salary bands (assuming standard 40% Basic structure):
| Annual CTC | Gross (Approx) | Annual Income Tax | Net Monthly In-Hand |
|---|---|---|---|
| ₹5,00,000 | ₹4,78,000 | ₹0 (Rebate) | ₹37,000 |
| ₹12,00,000 | ₹11,48,000 | ₹75,000 | ₹84,000 |
| ₹20,00,000 | ₹19,15,000 | ₹2,65,000 | ₹1,32,000 |
Frequently Asked Questions
How to calculate ctc to in hand salary calculator india?
To calculate in-hand salary from CTC: 1. Deduct Employer PF and Gratuity from CTC to get Gross. 2. Deduct Employee PF (12% of Basic) and Professional Tax. 3. Deduct Income Tax based on your chosen regime.
What is the standard deduction for FY 2026-27?
For the New Tax Regime, the standard deduction has been increased to ₹75,000. In the Old Tax Regime, it remains at ₹50,000.
⚠️ Disclaimer
The figures provided by this calculator are estimates based on the inputs you provide and standard financial formulas. STOCKCALC.IN does not offer investment advice. Please consult a qualified financial advisor before making any investment decisions.