CTC to in-hand · FY 2026-27

100 LPA in-hand salary: ₹5,97,414/month

A ₹1,00,00,000 CTC takes home about ₹71,68,968 a year under the new tax regime — 71.7% of CTC.

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100 LPA salary breakdown

ComponentNew regimeOld regime
Basic salary (40% of CTC)₹40,00,000₹40,00,000
HRA (50% of basic, metro)₹20,00,000₹20,00,000
Employer PF₹21,600₹21,600
Gratuity (4.81% of basic)₹1,92,400₹1,92,400
Gross salary₹97,86,000₹97,86,000
Employee PF₹21,600₹21,600
Professional tax₹2,400₹2,400
Income tax + cess₹25,93,032₹28,42,632
In-hand (annual)₹71,68,968₹69,19,368
In-hand (monthly)₹5,97,414₹5,76,614

Assumes 40% basic, metro HRA, PF capped at ₹1,800/month, ₹2,400 professional tax and no other deductions. Your offer letter structure may differ — use the calculator for exact numbers.

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Frequently asked questions

What is the in-hand salary for 100 LPA?
For a 100 LPA CTC, in-hand salary is about ₹5,97,414 per month (₹71,68,968 a year) under the new regime, assuming 40% basic in a metro city. That is 71.7% of CTC.
How much tax do I pay on 100 LPA?
About ₹25,93,032 a year (including 4% cess) under the new regime, versus ₹28,42,632 under the old regime with no deductions.
Old or new regime for 100 LPA?
With no deductions, the new regime leaves you ₹2,49,600 more per year. The old regime only wins if your 80C, 80D, HRA and home-loan deductions are large — compare with your actual numbers in the regime calculator.

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Educational estimate by CoinCalc, not tax advice.