CTC to in-hand · FY 2026-27

25 LPA in-hand salary: ₹1,75,494/month

A ₹25,00,000 CTC takes home about ₹21,05,922 a year under the new tax regime — 84.2% of CTC.

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25 LPA salary breakdown

ComponentNew regimeOld regime
Basic salary (40% of CTC)₹10,00,000₹10,00,000
HRA (50% of basic, metro)₹5,00,000₹5,00,000
Employer PF₹21,600₹21,600
Gratuity (4.81% of basic)₹48,100₹48,100
Gross salary₹24,30,300₹24,30,300
Employee PF₹21,600₹21,600
Professional tax₹2,400₹2,400
Income tax + cess₹3,00,378₹5,47,654
In-hand (annual)₹21,05,922₹18,58,646
In-hand (monthly)₹1,75,494₹1,54,887

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 25 LPA?
For a 25 LPA CTC, in-hand salary is about ₹1,75,494 per month (₹21,05,922 a year) under the new regime, assuming 40% basic in a metro city. That is 84.2% of CTC.
How much tax do I pay on 25 LPA?
About ₹3,00,378 a year (including 4% cess) under the new regime, versus ₹5,47,654 under the old regime with no deductions.
Old or new regime for 25 LPA?
With no deductions, the new regime leaves you ₹2,47,276 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.