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In-Hand Salary By CTC 1 to 100 LPA
Pick your CTC and see what reaches your bank every month, from 1 LPA to 100 LPA. Each figure is worked out the way the calculator does it: in Bengaluru, on the better tax regime, with PF on the ₹25,000 wage ceiling and on the full basic.
- Salaries listed
- 73
- No income tax up to
- 13 LPA
- Most of your CTC kept
- 92.9%
- At 10 LPA, a month
- ₹75,683
01 Find yours
Drag To Your CTC, Read Your Month
At 10 LPA about ₹75,683 reaches your bank every month. Move the slider to yours.
02 What you keep
How Much Of Your CTC Reaches You
You keep up to 92.9% of your CTC, at 13 LPA. At 100 LPA it is 68.7%, because tax takes a bigger share as pay rises.
Share of CTC that reaches your bank, for each salary
- 92.9%kept at 13 LPA, the most
- 13 LPAis the highest listed that pays no income tax
- 68.7%kept at 100 LPA, the least
03 Every salary
In-Hand Salary For Every CTC
Monthly take-home with PF on the ceiling and on the full basic, and the tax for the year. Open a salary for its full breakdown.
| CTC | In hand a month | PF on full basic | Tax a year | You keep |
|---|---|---|---|---|
| 1 LPA | ₹6,836 | Same | ₹0 | 82% |
| 1.5 LPA | ₹10,254 | Same | ₹0 | 82% |
| 2 LPA | ₹13,674 | Same | ₹0 | 82% |
| 2.5 LPA | ₹17,092 | Same | ₹0 | 82% |
| 3 LPA | ₹21,399 | Same | ₹0 | 85.6% |
| 3.5 LPA | ₹24,765 | Same | ₹0 | 84.9% |
| 3.6 LPA | ₹25,478 | Same | ₹0 | 84.9% |
| 4 LPA | ₹28,415 | ₹28,332 | ₹0 | 85.5% |
| 4.5 LPA | ₹32,086 | ₹31,898 | ₹0 | 86% |
| 5 LPA | ₹35,768 | ₹35,465 | ₹0 | 86.6% |
| 5.5 LPA | ₹39,459 | ₹39,031 | ₹0 | 87% |
| 6 LPA | ₹43,151 | ₹42,598 | ₹0 | 87.4% |
| 6.5 LPA | ₹47,217 | ₹46,164 | ₹0 | 88.2% |
| 7 LPA | ₹51,284 | ₹49,731 | ₹0 | 88.9% |
| 7.5 LPA | ₹55,350 | ₹53,297 | ₹0 | 89.4% |
| 8 LPA | ₹59,417 | ₹56,864 | ₹0 | 89.9% |
| 8.5 LPA | ₹63,483 | ₹60,430 | ₹0 | 90.4% |
| 9 LPA | ₹67,550 | ₹63,997 | ₹0 | 90.8% |
| 9.5 LPA | ₹71,617 | ₹67,563 | ₹0 | 91.2% |
| 10 LPA | ₹75,683 | ₹71,130 | ₹0 | 91.5% |
| 10.5 LPA | ₹79,750 | ₹74,696 | ₹0 | 91.8% |
| 11 LPA | ₹83,816 | ₹78,263 | ₹0 | 92% |
| 11.5 LPA | ₹87,883 | ₹81,829 | ₹0 | 92.3% |
| 12 LPA | ₹91,949 | ₹85,396 | ₹0 | 92.5% |
| 12.5 LPA | ₹96,016 | ₹88,962 | ₹0 | 92.7% |
| 13 LPA | ₹1,00,082 | ₹92,529 | ₹0 | 92.9% |
| 13.5 LPA | ₹1,03,006 | ₹96,095 | ₹13,720 | 92% |
| 14 LPA | ₹1,02,842 | ₹99,025 | ₹64,470 | 88.6% |
| 14.5 LPA | ₹1,05,642 | ₹98,622 | ₹79,680 | 87.9% |
| 15 LPA | ₹1,09,074 | ₹1,00,309 | ₹87,290 | 87.7% |
| 16 LPA | ₹1,15,938 | ₹1,06,251 | ₹1,02,520 | 87.4% |
| 17 LPA | ₹1,22,801 | ₹1,12,193 | ₹1,17,750 | 87.1% |
| 18 LPA | ₹1,29,439 | ₹1,18,136 | ₹1,35,690 | 86.7% |
| 19 LPA | ₹1,35,881 | ₹1,23,794 | ₹1,55,990 | 86.2% |
| 20 LPA | ₹1,42,322 | ₹1,29,340 | ₹1,76,290 | 85.7% |
| 21 LPA | ₹1,48,763 | ₹1,34,885 | ₹1,96,590 | 85.3% |
| 22 LPA | ₹1,55,019 | ₹1,40,431 | ₹2,19,120 | 84.9% |
| 23 LPA | ₹1,61,038 | ₹1,45,839 | ₹2,44,490 | 84.3% |
| 24 LPA | ₹1,67,056 | ₹1,50,987 | ₹2,69,870 | 83.8% |
| 25 LPA | ₹1,73,075 | ₹1,56,136 | ₹2,95,240 | 83.3% |
| 26 LPA | ₹1,78,949 | ₹1,61,284 | ₹3,22,340 | 82.8% |
| 27 LPA | ₹1,84,545 | ₹1,66,432 | ₹3,52,790 | 82.3% |
| 28 LPA | ₹1,90,140 | ₹1,71,192 | ₹3,83,240 | 81.7% |
| 29 LPA | ₹1,95,736 | ₹1,75,944 | ₹4,13,690 | 81.2% |
| 30 LPA | ₹2,01,331 | ₹1,80,695 | ₹4,44,140 | 80.8% |
| 31 LPA | ₹2,06,927 | ₹1,85,446 | ₹4,74,590 | 80.3% |
| 32 LPA | ₹2,12,522 | ₹1,90,198 | ₹5,05,040 | 79.9% |
| 33 LPA | ₹2,18,118 | ₹1,94,950 | ₹5,35,490 | 79.5% |
| 34 LPA | ₹2,23,713 | ₹1,99,701 | ₹5,65,940 | 79.2% |
| 35 LPA | ₹2,29,309 | ₹2,04,452 | ₹5,96,390 | 78.8% |
| 36 LPA | ₹2,34,904 | ₹2,09,204 | ₹6,26,840 | 78.5% |
| 37 LPA | ₹2,40,500 | ₹2,13,955 | ₹6,57,290 | 78.2% |
| 38 LPA | ₹2,46,095 | ₹2,18,707 | ₹6,87,740 | 77.9% |
| 39 LPA | ₹2,51,691 | ₹2,23,459 | ₹7,18,190 | 77.6% |
| 40 LPA | ₹2,57,286 | ₹2,28,210 | ₹7,48,640 | 77.3% |
| 41 LPA | ₹2,62,882 | ₹2,32,961 | ₹7,79,090 | 77.1% |
| 42 LPA | ₹2,68,477 | ₹2,37,713 | ₹8,09,540 | 76.9% |
| 43 LPA | ₹2,74,073 | ₹2,42,465 | ₹8,39,990 | 76.6% |
| 44 LPA | ₹2,79,668 | ₹2,47,216 | ₹8,70,440 | 76.4% |
| 45 LPA | ₹2,85,264 | ₹2,51,967 | ₹9,00,890 | 76.2% |
| 46 LPA | ₹2,90,859 | ₹2,56,719 | ₹9,31,340 | 76% |
| 47 LPA | ₹2,96,455 | ₹2,61,470 | ₹9,61,790 | 75.8% |
| 48 LPA | ₹3,02,050 | ₹2,66,221 | ₹9,92,240 | 75.6% |
| 49 LPA | ₹3,07,646 | ₹2,70,974 | ₹10,22,690 | 75.5% |
| 50 LPA | ₹3,13,242 | ₹2,75,725 | ₹10,53,140 | 75.3% |
| 55 LPA | ₹3,31,175 | ₹2,99,482 | ₹13,25,930 | 72.4% |
| 60 LPA | ₹3,57,884 | ₹3,12,786 | ₹14,93,400 | 71.7% |
| 65 LPA | ₹3,84,592 | ₹3,35,352 | ₹16,60,880 | 71.1% |
| 70 LPA | ₹4,11,301 | ₹3,57,919 | ₹18,28,350 | 70.6% |
| 75 LPA | ₹4,38,010 | ₹3,80,488 | ₹19,95,830 | 70.2% |
| 80 LPA | ₹4,64,719 | ₹4,03,054 | ₹21,63,300 | 69.8% |
| 90 LPA | ₹5,18,136 | ₹4,48,188 | ₹24,98,250 | 69.2% |
| 100 LPA | ₹5,71,553 | ₹4,93,321 | ₹28,33,210 | 68.7% |
04 The setup
How Every Figure Here Is Worked Out
The same setup for every row, so salaries compare fairly. Your own city, PF and pay split will move the figure, so check it in the calculator.
- Bengaluru
- Basic pay at 50% of fixed pay
- PF on the ₹25,000 wage ceiling, and on the full basic
- The better of the two tax regimes
- No variable pay
- October 2026, FY 2026-27
05 Questions
Questions About In-Hand Salary By CTC
How do I find my in-hand salary from my LPA?
Find your salary in the table, or drag the slider. 10 LPA is ₹75,683 a month in hand in October 2026, 12 LPA is ₹91,949 and 25 LPA is ₹1,73,075. The calculator works out your own figure for your city, your PF and your tax regime.
How much of my CTC reaches my bank?
Between 68.7% (at 100 LPA) and 92.9% (at 13 LPA) of your CTC over the year, with the calculator's defaults. The share is highest where PF is capped and income tax is small, and falls at higher salaries because tax takes more.
Up to which salary is there no income tax?
In FY 2026-27, the new regime charges no income tax on a salary up to ₹12,75,000. Of the CTCs listed here, 13 LPA is the highest that pays none: its in-hand is ₹1,00,082 a month.
Why do two tables show a different in-hand salary for the same LPA?
The usual reasons are the city (professional tax and, in the old regime, HRA), how PF is deducted, whether part of the CTC is variable pay, and which tax regime is used. Here PF is on the ₹25,000 wage ceiling, which gives ₹75,683 a month at 10 LPA. If your employer deducts PF on the full basic it is ₹71,130, ₹4,553 less.
How much is 6 LPA in hand per month?
₹43,151 a month in October 2026, with PF on the wage ceiling, in Bengaluru on the new tax regime. A year of that is ₹5,24,400, 87.4% of the CTC.