CTC to in-hand · FY 2026-27

26 LPA in-hand salary: ₹1,81,310/month

A ₹26,00,000 CTC takes home about ₹21,75,723 a year under the new tax regime — 83.7% of CTC.

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26 LPA salary breakdown

ComponentNew regimeOld regime
Basic salary (40% of CTC)₹10,40,000₹10,40,000
HRA (50% of basic, metro)₹5,20,000₹5,20,000
Employer PF₹21,600₹21,600
Gratuity (4.81% of basic)₹50,024₹50,024
Gross salary₹25,28,376₹25,28,376
Employee PF₹21,600₹21,600
Professional tax₹2,400₹2,400
Income tax + cess₹3,28,653₹5,78,253
In-hand (annual)₹21,75,723₹19,26,123
In-hand (monthly)₹1,81,310₹1,60,510

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 26 LPA?
For a 26 LPA CTC, in-hand salary is about ₹1,81,310 per month (₹21,75,723 a year) under the new regime, assuming 40% basic in a metro city. That is 83.7% of CTC.
How much tax do I pay on 26 LPA?
About ₹3,28,653 a year (including 4% cess) under the new regime, versus ₹5,78,253 under the old regime with no deductions.
Old or new regime for 26 LPA?
With no deductions, the new regime leaves you ₹2,49,600 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.