11 LPA salary breakdown
| Component | New regime | Old regime |
|---|
| Basic salary (40% of CTC) | ₹4,40,000 | ₹4,40,000 |
| HRA (50% of basic, metro) | ₹2,20,000 | ₹2,20,000 |
| Employer PF | ₹21,600 | ₹21,600 |
| Gratuity (4.81% of basic) | ₹21,164 | ₹21,164 |
| Gross salary | ₹10,57,236 | ₹10,57,236 |
| Employee PF | ₹21,600 | ₹21,600 |
| Professional tax | ₹2,400 | ₹2,400 |
| Income tax + cess | ₹0 | ₹1,19,258 |
| In-hand (annual) | ₹10,33,236 | ₹9,13,978 |
| In-hand (monthly) | ₹86,103 | ₹76,165 |
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 11 LPA?
For a 11 LPA CTC, in-hand salary is about ₹86,103 per month (₹10,33,236 a year) under the new regime, assuming 40% basic in a metro city. That is 93.9% of CTC.
How much tax do I pay on 11 LPA?
Zero under the new regime for FY 2026-27 — taxable income after the ₹75,000 standard deduction stays within the ₹12 lakh rebate limit. Under the old regime (no deductions) tax is ₹1,19,258.
Old or new regime for 11 LPA?
With no deductions, the new regime leaves you ₹1,19,258 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.