CTC to in-hand · FY 2026-27

14 LPA in-hand salary: ₹1,04,428/month

A ₹14,00,000 CTC takes home about ₹12,53,136 a year under the new tax regime — 89.5% of CTC.

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14 LPA salary breakdown

ComponentNew regimeOld regime
Basic salary (40% of CTC)₹5,60,000₹5,60,000
HRA (50% of basic, metro)₹2,80,000₹2,80,000
Employer PF₹21,600₹21,600
Gratuity (4.81% of basic)₹26,936₹26,936
Gross salary₹13,51,464₹13,51,464
Employee PF₹21,600₹21,600
Professional tax₹2,400₹2,400
Income tax + cess₹74,328₹2,11,057
In-hand (annual)₹12,53,136₹11,16,407
In-hand (monthly)₹1,04,428₹93,034

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 14 LPA?
For a 14 LPA CTC, in-hand salary is about ₹1,04,428 per month (₹12,53,136 a year) under the new regime, assuming 40% basic in a metro city. That is 89.5% of CTC.
How much tax do I pay on 14 LPA?
About ₹74,328 a year (including 4% cess) under the new regime, versus ₹2,11,057 under the old regime with no deductions.
Old or new regime for 14 LPA?
With no deductions, the new regime leaves you ₹1,36,728 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.