CTC to in-hand · FY 2026-27

80 LPA in-hand salary: ₹4,84,954/month

A ₹80,00,000 CTC takes home about ₹58,19,442 a year under the new tax regime — 72.7% of CTC.

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80 LPA salary breakdown

ComponentNew regimeOld regime
Basic salary (40% of CTC)₹32,00,000₹32,00,000
HRA (50% of basic, metro)₹16,00,000₹16,00,000
Employer PF₹21,600₹21,600
Gratuity (4.81% of basic)₹1,53,920₹1,53,920
Gross salary₹78,24,480₹78,24,480
Employee PF₹21,600₹21,600
Professional tax₹2,400₹2,400
Income tax + cess₹19,81,038₹22,30,638
In-hand (annual)₹58,19,442₹55,69,842
In-hand (monthly)₹4,84,954₹4,64,154

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 80 LPA?
For a 80 LPA CTC, in-hand salary is about ₹4,84,954 per month (₹58,19,442 a year) under the new regime, assuming 40% basic in a metro city. That is 72.7% of CTC.
How much tax do I pay on 80 LPA?
About ₹19,81,038 a year (including 4% cess) under the new regime, versus ₹22,30,638 under the old regime with no deductions.
Old or new regime for 80 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.