CTC to in-hand · FY 2026-27

45 LPA in-hand salary: ₹2,88,148/month

A ₹45,00,000 CTC takes home about ₹34,57,772 a year under the new tax regime — 76.8% of CTC.

Adjust for your salary structure →

45 LPA salary breakdown

ComponentNew regimeOld regime
Basic salary (40% of CTC)₹18,00,000₹18,00,000
HRA (50% of basic, metro)₹9,00,000₹9,00,000
Employer PF₹21,600₹21,600
Gratuity (4.81% of basic)₹86,580₹86,580
Gross salary₹43,91,820₹43,91,820
Employee PF₹21,600₹21,600
Professional tax₹2,400₹2,400
Income tax + cess₹9,10,048₹11,59,648
In-hand (annual)₹34,57,772₹32,08,172
In-hand (monthly)₹2,88,148₹2,67,348

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.

Check your EPF balance
View your PF passbook on the official EPFO member portal using your UAN.
Official, non-commercial portal. We earn nothing from this link.
Open EPFO portal →

Frequently asked questions

What is the in-hand salary for 45 LPA?
For a 45 LPA CTC, in-hand salary is about ₹2,88,148 per month (₹34,57,772 a year) under the new regime, assuming 40% basic in a metro city. That is 76.8% of CTC.
How much tax do I pay on 45 LPA?
About ₹9,10,048 a year (including 4% cess) under the new regime, versus ₹11,59,648 under the old regime with no deductions.
Old or new regime for 45 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.

Compare nearby salaries

Educational estimate by CoinCalc, not tax advice.