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In-Hand Salary Calculator

₹5 lakh CTC in-hand salary

A ₹5 lakh CTC (with Basic at 50% of CTC) works out to about ₹35,465 a month in hand — ₹4,25,575 a year — on the new tax regime, after employee PF (₹30,000/yr), professional tax and zero income tax (within the ₹12 lakh rebate).
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Your total cost-to-company, as on the offer letter

%

Labour codes (Nov 2025) count at least 50% of pay as wages for PF and gratuity

New regime, FY 2026-27. Assumes HRA = 50% of Basic, PF = 12% of Basic (employer + employee), gratuity = 4.81% of Basic, professional tax ₹2,400/yr. Real structures vary — adjust Basic % to match your offer.

In-hand (per month)

₹35,465

Annual in-hand

₹4,25,575

Total deductions/yr

₹32,400

Where your CTC goes (per year)

  • In-hand₹4,25,57585%
  • Income tax₹00%
  • PF (you + employer)₹60,00012%
  • Gratuity + prof. tax₹14,4253%

Full breakup (annual)

Earnings

Basic salary
₹2,50,000
HRA
₹1,25,000
Special allowance
₹82,975
Employer PF
₹30,000
Gratuity
₹12,025
Total CTC
₹5,00,000

Deductions

Employee PF
− ₹30,000
Professional tax
− ₹2,400
Income tax (incl. cess)
₹-0
Annual in-hand
₹4,25,575

Your real in-hand depends on how your company structures the CTC — the biggest lever is Basic as a % of CTC. Drag that slider above to match your offer letter exactly and watch the breakup update.

₹5 lakh CTC salary — common questions

What is the in-hand salary for ₹5 lakh CTC per month?

Roughly ₹35,465 per month (₹4,25,575 a year) on the new regime, assuming Basic is 50% of CTC. Your exact figure moves with the Basic % — drag the slider above to match your offer.

If CTC is ₹5 lakh, what is the take-home salary?

Your take-home works out to about ₹35,465/month after employee PF (₹30,000/yr), professional tax and income tax. It varies by employer, so use the calculator above with your own numbers for the precise figure.

How much income tax do you pay on ₹5 lakh CTC?

None — ₹5 lakh CTC stays within the ₹12 lakh rebate on the new regime (FY 2026-27), so income tax is zero.

₹5 lakh per annum — how much is that per month in hand?

₹5 lakh per annum (5 lakh LPA) as CTC comes to roughly ₹35,465 in hand per month on the new regime — not simply the annual figure ÷ 12, because employee PF, professional tax and income tax are taken out first. The calculator above shows the exact monthly split.

Why is my in-hand lower than my CTC?

CTC bundles employer PF, gratuity and other costs that never reach your bank. From your gross, employee PF, professional tax and income tax are deducted — what's left is your in-hand. See the full breakup in the calculator above.

Other CTC amounts

Open the full in-hand calculatorHow to save tax on your salary

Illustrative estimate using standard salary-structure conventions; your actual in-hand depends on your employer's structure and state professional tax. New regime, FY 2026-27.