CTC to in-hand · FY 2026-27

24 LPA in-hand salary: ₹1,69,445/month

A ₹24,00,000 CTC takes home about ₹20,33,346 a year under the new tax regime — 84.7% of CTC.

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24 LPA salary breakdown

ComponentNew regimeOld regime
Basic salary (40% of CTC)₹9,60,000₹9,60,000
HRA (50% of basic, metro)₹4,80,000₹4,80,000
Employer PF₹21,600₹21,600
Gratuity (4.81% of basic)₹46,176₹46,176
Gross salary₹23,32,224₹23,32,224
Employee PF₹21,600₹21,600
Professional tax₹2,400₹2,400
Income tax + cess₹2,74,878₹5,17,054
In-hand (annual)₹20,33,346₹17,91,170
In-hand (monthly)₹1,69,445₹1,49,264

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 24 LPA?
For a 24 LPA CTC, in-hand salary is about ₹1,69,445 per month (₹20,33,346 a year) under the new regime, assuming 40% basic in a metro city. That is 84.7% of CTC.
How much tax do I pay on 24 LPA?
About ₹2,74,878 a year (including 4% cess) under the new regime, versus ₹5,17,054 under the old regime with no deductions.
Old or new regime for 24 LPA?
With no deductions, the new regime leaves you ₹2,42,176 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.