In-Hand Salary of 26 LPA (FY 2026-27)
A CTC of ₹26 lakh a year works out to about ₹1,69,662 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹1,69,662
New regime · ₹20,35,938 a year
- Old regime
- ₹1,52,169 a month
- Income tax (new)
- ₹3,12,062 a year
- Gross pay
- ₹2,06,267 a month
- Your PF
- ₹10,400 a month
Assumes basic pay of 40% of CTC, PF of 12% of basic from you and your employer inside the CTC, ₹2,400 a year of professional tax, no other income and no deductions beyond PF. For a salaried person under 60.
Breakdown for a year
| Per year | New regime | Old regime |
|---|---|---|
| CTC | ₹26,00,000 | ₹26,00,000 |
| Employer PF | −₹1,24,800 | −₹1,24,800 |
| Gross salary | ₹24,75,200 | ₹24,75,200 |
| Your PF | −₹1,24,800 | −₹1,24,800 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹24,00,200 | ₹22,98,000 |
| Income tax with cess | −₹3,12,062 | −₹5,21,976 |
| In hand a year | ₹20,35,938 | ₹18,26,024 |
| In hand a month | ₹1,69,662 | ₹1,52,169 |
A month's payslip at 26 LPA
New tax regime, with TDS taken evenly throughout the year.
| Gross pay | ₹2,06,267 |
|---|---|
| Your PF | −₹10,400 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹26,005 |
| Credited to your bank | ₹1,69,662 |
Professional tax is often ₹200 monthly (₹300 in one month in some states), and some states do not charge it.
How the salary structure affects it
The same ₹26 lakh CTC, divided differently. Look at your offer letter to see which applies.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹1,69,662 |
| Basic pay 50% of CTC | New | ₹1,65,138 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹1,84,178 |
| Employer PF paid on top of the CTC | New | ₹1,76,817 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹1,66,578 |
| No PF deducted | New | ₹1,87,217 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹1,53,474 |
Old or new tax regime?
The new regime gives you more unless your deductions beyond PF and the standard deduction (80C investments, health insurance, HRA, home-loan interest) are over about ₹6,73,000 yearly. Above that, the old regime gives you more.