LPA to in-hand salary chart
What each CTC comes to every month, from ₹3 LPA to ₹75 LPA. Each figure is a range because a CTC doesn't say how it's split; the low and high ends come from four stated salary structures. FY 2026-27, working in Bengaluru, under the cheaper tax regime.
In-hand salary by CTC
Each bar runs up to the highest monthly in-hand at that CTC. The pale part is what every structure pays; the bright part is the extra the best structure adds.
| CTC | In-hand a month | In-hand a year | Of the CTC |
|---|---|---|---|
| ₹3 LPA | ₹18,169 – ₹22,400 | ₹2,18,031 – ₹2,68,800 | 72.7–89.6% |
| ₹4 LPA | ₹24,292 – ₹29,933 | ₹2,91,508 – ₹3,59,200 | 72.9–89.8% |
| ₹5 LPA | ₹30,415 – ₹37,867 | ₹3,64,985 – ₹4,54,400 | 73.0–90.9% |
| ₹6 LPA | ₹36,539 – ₹46,200 | ₹4,38,462 – ₹5,54,400 | 73.1–92.4% |
| ₹7 LPA | ₹42,662 – ₹54,533 | ₹5,11,938 – ₹6,54,400 | 73.1–93.5% |
| ₹8 LPA | ₹48,785 – ₹62,867 | ₹5,85,415 – ₹7,54,400 | 73.2–94.3% |
| ₹9 LPA | ₹54,908 – ₹71,200 | ₹6,58,892 – ₹8,54,400 | 73.2–94.9% |
| ₹10 LPA | ₹61,031 – ₹79,533 | ₹7,32,369 – ₹9,54,400 | 73.2–95.4% |
| ₹11 LPA | ₹67,154 – ₹87,867 | ₹8,05,846 – ₹10,54,400 | 73.3–95.9% |
| ₹12 LPA | ₹73,277 – ₹96,200 | ₹8,79,323 – ₹11,54,400 | 73.3–96.2% |
| ₹13 LPA | ₹79,400 – ₹1,04,239 | ₹9,52,800 – ₹12,50,864 | 73.3–96.2% |
| ₹14 LPA | ₹85,523 – ₹1,06,323 | ₹10,26,277 – ₹12,75,870 | 73.3–91.1% |
| ₹15 LPA | ₹91,646 – ₹1,13,356 | ₹10,99,754 – ₹13,60,270 | 73.3–90.7% |
| ₹16 LPA | ₹97,769 – ₹1,20,389 | ₹11,73,231 – ₹14,44,670 | 73.3–90.3% |
| ₹17 LPA | ₹99,064 – ₹1,27,408 | ₹11,88,772 – ₹15,28,893 | 69.9–89.9% |
| ₹18 LPA | ₹1,03,074 – ₹1,34,008 | ₹12,36,883 – ₹16,08,093 | 68.7–89.3% |
| ₹19 LPA | ₹1,08,179 – ₹1,40,608 | ₹12,98,149 – ₹16,87,293 | 68.3–88.8% |
| ₹20 LPA | ₹1,13,285 – ₹1,47,208 | ₹13,59,414 – ₹17,66,493 | 68.0–88.3% |
| ₹22 LPA | ₹1,23,291 – ₹1,59,960 | ₹14,79,497 – ₹19,19,516 | 67.2–87.3% |
| ₹24 LPA | ₹1,32,824 – ₹1,72,293 | ₹15,93,888 – ₹20,67,516 | 66.4–86.1% |
| ₹25 LPA | ₹1,37,590 – ₹1,78,445 | ₹16,51,083 – ₹21,41,339 | 66.0–85.7% |
| ₹28 LPA | ₹1,51,383 – ₹1,95,645 | ₹18,16,597 – ₹23,47,739 | 64.9–83.8% |
| ₹30 LPA | ₹1,60,237 – ₹2,07,112 | ₹19,22,848 – ₹24,85,339 | 64.1–82.8% |
| ₹35 LPA | ₹1,81,226 – ₹2,35,778 | ₹21,74,708 – ₹28,29,339 | 62.1–80.8% |
| ₹40 LPA | ₹2,01,665 – ₹2,64,445 | ₹24,19,981 – ₹31,73,339 | 60.5–79.3% |
| ₹45 LPA | ₹2,22,104 – ₹2,93,112 | ₹26,65,253 – ₹35,17,339 | 59.2–78.2% |
| ₹50 LPA | ₹2,42,544 – ₹3,21,778 | ₹29,10,526 – ₹38,61,339 | 58.2–77.2% |
| ₹60 LPA | ₹2,83,423 – ₹3,67,403 | ₹34,01,071 – ₹44,08,833 | 56.7–73.5% |
| ₹75 LPA | ₹3,33,312 – ₹4,49,503 | ₹39,99,741 – ₹53,94,033 | 53.3–71.9% |
How the chart is worked out
Each CTC is run through the same engine as the analyzer in four structures. In-hand is fixed pay minus your PF contribution, professional tax and income tax, with no deductions or rent claimed (the old regime counts only your own PF under 80C). Variable pay, bonuses and equity aren't counted, because they aren't paid monthly.
- Mostly fixed pay
- Basic is 40% of the CTC, PF (the employer's and yours) is capped at the statutory wage ceiling, gratuity isn't inside the CTC, and there's no variable pay.
- PF on full Basic
- Basic is 40% of the CTC, PF (the employer's and yours) is 12% of the full Basic, gratuity is inside the CTC, and there's no variable pay.
- Higher Basic
- Basic is 50% of the CTC, PF (the employer's and yours) is 12% of the full Basic, gratuity is inside the CTC, and there's no variable pay.
- With variable pay
- Basic is 40% of the CTC, PF (the employer's and yours) is 12% of the full Basic, gratuity is inside the CTC, and 15% of the CTC is variable pay, which isn't paid monthly.
Tax rules: FY 2026-27, under the Income-tax Act, 2025, with Finance Act, 2026 rates. Last updated . Engine v2.6.0. Sources
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