CTC to in-hand · FY 2026-27

17 LPA in-hand salary: ₹1,25,122/month

A ₹17,00,000 CTC takes home about ₹15,01,464 a year under the new tax regime — 88.3% of CTC.

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17 LPA salary breakdown

ComponentNew regimeOld regime
Basic salary (40% of CTC)₹6,80,000₹6,80,000
HRA (50% of basic, metro)₹3,40,000₹3,40,000
Employer PF₹21,600₹21,600
Gratuity (4.81% of basic)₹32,708₹32,708
Gross salary₹16,45,692₹16,45,692
Employee PF₹21,600₹21,600
Professional tax₹2,400₹2,400
Income tax + cess₹1,20,228₹3,02,856
In-hand (annual)₹15,01,464₹13,18,836
In-hand (monthly)₹1,25,122₹1,09,903

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 17 LPA?
For a 17 LPA CTC, in-hand salary is about ₹1,25,122 per month (₹15,01,464 a year) under the new regime, assuming 40% basic in a metro city. That is 88.3% of CTC.
How much tax do I pay on 17 LPA?
About ₹1,20,228 a year (including 4% cess) under the new regime, versus ₹3,02,856 under the old regime with no deductions.
Old or new regime for 17 LPA?
With no deductions, the new regime leaves you ₹1,82,628 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.