CTC to in-hand · FY 2026-27

15 LPA in-hand salary: ₹1,11,326/month

A ₹15,00,000 CTC takes home about ₹13,35,912 a year under the new tax regime — 89.1% of CTC.

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15 LPA salary breakdown

ComponentNew regimeOld regime
Basic salary (40% of CTC)₹6,00,000₹6,00,000
HRA (50% of basic, metro)₹3,00,000₹3,00,000
Employer PF₹21,600₹21,600
Gratuity (4.81% of basic)₹28,860₹28,860
Gross salary₹14,49,540₹14,49,540
Employee PF₹21,600₹21,600
Professional tax₹2,400₹2,400
Income tax + cess₹89,628₹2,41,656
In-hand (annual)₹13,35,912₹11,83,884
In-hand (monthly)₹1,11,326₹98,657

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 15 LPA?
For a 15 LPA CTC, in-hand salary is about ₹1,11,326 per month (₹13,35,912 a year) under the new regime, assuming 40% basic in a metro city. That is 89.1% of CTC.
How much tax do I pay on 15 LPA?
About ₹89,628 a year (including 4% cess) under the new regime, versus ₹2,41,656 under the old regime with no deductions.
Old or new regime for 15 LPA?
With no deductions, the new regime leaves you ₹1,52,028 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.