₹5 LPA in-hand salary

A ₹5 LPA CTC comes to about ₹30,415 – ₹37,867 a month in hand, depending on how it's split. Between 73.0% and 90.9% of the CTC reaches your bank as monthly pay. Figures for FY 2026-27, working in Bengaluru, under the cheaper tax regime.

₹5 lakh a year

How the CTC is split Assumed structure

A CTC doesn't say. Your offer letter's salary table does; until then, pick the closest.

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.

Professional tax depends on the state.

In-hand for a ₹5 lakh CTC

Split as PF on full Basic

₹36,665 a month

₹4,39,985 a year, 88% of the CTC. After your PF, professional tax in Bengaluru and income tax for FY 2026-27, with no deductions claimed.

In-hand for a ₹5 lakh CTC split as PF on full Basic: ₹36,665 a month. Across the four structures, ₹30,415 to ₹37,867 a month.

₹30,415the same CTC, four ways to split it₹37,867

Each month

  • Fixed pay₹38,865
    • Basic₹16,667
    • HRA₹8,333
    • Special allowance₹13,865

    What the employer pays you each month before deductions. Special allowance is whatever the CTC has left after everything else.

  • Your PFminus ₹2,000

    Your own contribution, 12% of your full Basic. It goes to your PF account: still yours, just not in your bank each month.

  • Professional taxminus ₹200

    A state tax on employment. CTCtruth applies ₹2,400 a year for Bengaluru, the same at every salary; state rules vary.

  • Income tax₹0

    None at this level, under either regime, with no deductions or rent claimed.

  • In-hand₹36,665

Monthly figures are rounded to the rupee.

Not paid monthly₹33,615 a year
  • Employer PF to your PF account₹24,000
  • Gratuity a provision, generally payable when you leave after five years of service₹9,615
  • Fixed pay ₹4,66,385 + these₹5,00,000 CTC
New or old tax regimeBoth are the same
  • New regime₹0 a year
  • Old regime₹0 a year

Both with no deductions or rent claimed; the old regime counts your own PF under 80C. HRA, other 80C investments and other claims can make the old regime cheaper; the analyzer works it out with yours.

Your offer letter says which split is yours. Check it for the exact figure.

Check my offer letter or enter your full salary breakup

Where a ₹5 LPA CTC goes each month

For the “PF on full Basic” structure: 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.

Where a ₹5 LPA CTC goes in a year:
  • Reaches your bank ₹4,39,985 88%
  • Your PF ₹24,000 5%
  • Professional tax ₹2,400 under 1%
  • Employer PF and gratuity ₹33,615 7%
From fixed pay to in-hand, for a ₹5 LPA CTC
ItemA yearA month
Fixed pay₹4,66,385₹38,865
Your PF contribution− ₹24,000− ₹2,000
Professional tax− ₹2,400− ₹200
Income tax₹0₹0
In-hand₹4,39,985₹36,665

Monthly figures are rounded. The rest of the CTC is employer PF and gratuity, which don't reach your bank each month. Is gratuity part of CTC?

Income tax at ₹5 LPA, step by step

Under the new regime, taxable income for this structure is ₹3,91,385, within the first ₹4,00,000 that is taxed at 0%, so there's no income tax.

New-regime income tax, slab by slab, for a ₹5 LPA CTC
SlabIncome in this slabRateTax
₹0 – ₹4,00,000₹3,91,3850%₹0
Tax on the slabs₹3,91,385₹0
Income tax for the year₹0

Taxable income is fixed pay of ₹4,66,385 minus the new regime's ₹75,000 standard deduction: ₹3,91,385. For the “PF on full Basic” structure, FY 2026-27.

Tax rules: FY 2026-27, under the Income-tax Act, 2025, with Finance Act, 2026 rates. Last updated . Engine v2.6.0. Sources

New or old regime at ₹5 LPA

Claiming nothing but your own PF under 80C, the old regime charges no income tax at this level either.

What moves your in-hand at this level

  • PF basis: monthly Basic here is ₹16,667, above the ₹15,000 PF wage ceiling. If PF (yours and the employer's) is worked out on the ceiling instead of the full Basic, in-hand rises by about ₹400 a month, because less goes into PF.
  • Variable pay: if 15% of the CTC is variable pay, monthly in-hand is about ₹6,250 lower, because variable pay isn't paid monthly.
  • A higher CTC: each extra ₹1 lakh of CTC adds about ₹7,374 a month in hand at this level, for the same structure.

Nearby CTC levels

See every level in the salary chart

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