9 LPA salary breakdown
| Component | New regime | Old regime |
|---|
| Basic salary (40% of CTC) | ₹3,60,000 | ₹3,60,000 |
| HRA (50% of basic, metro) | ₹1,80,000 | ₹1,80,000 |
| Employer PF | ₹21,600 | ₹21,600 |
| Gratuity (4.81% of basic) | ₹17,316 | ₹17,316 |
| Gross salary | ₹8,61,084 | ₹8,61,084 |
| Employee PF | ₹21,600 | ₹21,600 |
| Professional tax | ₹2,400 | ₹2,400 |
| Income tax + cess | ₹0 | ₹77,705 |
| In-hand (annual) | ₹8,37,084 | ₹7,59,379 |
| In-hand (monthly) | ₹69,757 | ₹63,282 |
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 9 LPA?
For a 9 LPA CTC, in-hand salary is about ₹69,757 per month (₹8,37,084 a year) under the new regime, assuming 40% basic in a metro city. That is 93.0% of CTC.
How much tax do I pay on 9 LPA?
Zero under the new regime for FY 2026-27 — taxable income after the ₹75,000 standard deduction stays within the ₹12 lakh rebate limit. Under the old regime (no deductions) tax is ₹77,705.
Old or new regime for 9 LPA?
With no deductions, the new regime leaves you ₹77,705 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.