CTC to in-hand · FY 2026-27

90 LPA in-hand salary: ₹5,41,184/month

A ₹90,00,000 CTC takes home about ₹64,94,205 a year under the new tax regime — 72.2% of CTC.

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90 LPA salary breakdown

ComponentNew regimeOld regime
Basic salary (40% of CTC)₹36,00,000₹36,00,000
HRA (50% of basic, metro)₹18,00,000₹18,00,000
Employer PF₹21,600₹21,600
Gratuity (4.81% of basic)₹1,73,160₹1,73,160
Gross salary₹88,05,240₹88,05,240
Employee PF₹21,600₹21,600
Professional tax₹2,400₹2,400
Income tax + cess₹22,87,035₹25,36,635
In-hand (annual)₹64,94,205₹62,44,605
In-hand (monthly)₹5,41,184₹5,20,384

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 90 LPA?
For a 90 LPA CTC, in-hand salary is about ₹5,41,184 per month (₹64,94,205 a year) under the new regime, assuming 40% basic in a metro city. That is 72.2% of CTC.
How much tax do I pay on 90 LPA?
About ₹22,87,035 a year (including 4% cess) under the new regime, versus ₹25,36,635 under the old regime with no deductions.
Old or new regime for 90 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.