CTC to in-hand · FY 2026-27

30 LPA in-hand salary: ₹2,03,802/month

A ₹30,00,000 CTC takes home about ₹24,45,628 a year under the new tax regime — 81.5% of CTC.

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30 LPA salary breakdown

ComponentNew regimeOld regime
Basic salary (40% of CTC)₹12,00,000₹12,00,000
HRA (50% of basic, metro)₹6,00,000₹6,00,000
Employer PF₹21,600₹21,600
Gratuity (4.81% of basic)₹57,720₹57,720
Gross salary₹29,20,680₹29,20,680
Employee PF₹21,600₹21,600
Professional tax₹2,400₹2,400
Income tax + cess₹4,51,052₹7,00,652
In-hand (annual)₹24,45,628₹21,96,028
In-hand (monthly)₹2,03,802₹1,83,002

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 30 LPA?
For a 30 LPA CTC, in-hand salary is about ₹2,03,802 per month (₹24,45,628 a year) under the new regime, assuming 40% basic in a metro city. That is 81.5% of CTC.
How much tax do I pay on 30 LPA?
About ₹4,51,052 a year (including 4% cess) under the new regime, versus ₹7,00,652 under the old regime with no deductions.
Old or new regime for 30 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.