27 LPA In-Hand Salary (FY 2026-27)
A CTC of ₹27 lakh a year works out to about ₹1,74,720 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹1,74,720
New regime · ₹20,96,635 a year
- Old regime
- ₹1,57,352 a month
- Income tax (new)
- ₹3,41,765 a year
- Gross pay
- ₹2,14,200 a month
- Your PF
- ₹10,800 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 | ₹27,00,000 | ₹27,00,000 |
| Employer PF | −₹1,29,600 | −₹1,29,600 |
| Gross salary | ₹25,70,400 | ₹25,70,400 |
| Your PF | −₹1,29,600 | −₹1,29,600 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹24,95,400 | ₹23,88,400 |
| Income tax with cess | −₹3,41,765 | −₹5,50,181 |
| In hand a year | ₹20,96,635 | ₹18,88,219 |
| In hand a month | ₹1,74,720 | ₹1,57,352 |
A month's payslip at 27 LPA
New tax regime with TDS spread out over the year.
| Gross pay | ₹2,14,200 |
|---|---|
| Your PF | −₹10,800 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹28,480 |
| Credited to your bank | ₹1,74,720 |
Professional tax is usually ₹200 monthly (₹300 for one month in some states); some states do not charge it.
Impact of salary structure
₹27 lakh CTC divided in different ways. See your offer letter to know yours.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹1,74,720 |
| Basic pay 50% of CTC | New | ₹1,70,162 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹1,89,912 |
| Employer PF paid on top of the CTC | New | ₹1,82,150 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹1,71,741 |
| No PF deducted | New | ₹1,92,950 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹1,58,532 |
Old or new tax regime?
You keep more in the new regime unless deductions beyond PF and the standard deduction (80C, health insurance, HRA, home-loan interest) are over ₹6,69,000 yearly. Above this, the old regime gives more.
In-hand salary near 27 LPA
Frequently Asked Questions
What is the in-hand pay for 27 LPA?
Around ₹1,74,720 monthly (₹20,96,635 yearly) with the new tax rules for FY 2026-27, assuming your basic pay makes up 40% of CTC, PF is 12% of basic from both sides within the CTC, and professional tax is ₹2,400 yearly. Under the old rules without extra deductions, it's ₹1,57,352 monthly.
How much is the tax on a 27 LPA salary?
₹3,41,765 yearly in the new system, based on taxable income of ₹24,95,400 after a ₹75,000 standard deduction. In the old system, it's ₹5,50,181 before any exemptions.
What is the monthly pay for 27 LPA before cuts?
CTC divided by 12 gives ₹2,25,000. The monthly gross is ₹2,14,200, as employer's PF of ₹10,800 each month is part of CTC but goes to your PF account, not your pay.
Which tax plan is better for 27 LPA, old or new?
The new regime gives you more unless your deductions beyond PF and the standard deduction (80C investments, health insurance, HRA, home-loan interest) total more than about ₹6,69,000 per year. If they're above that, the old regime is better for you.
What is the PF cut from a 27 LPA salary?
₹10,800 monthly: 12% of a ₹90,000 monthly basic, matched by your employer. If PF applies only to the ₹15,000 cap, it’s ₹1,800 monthly, raising your in-hand pay to around ₹1,89,912 monthly.
In-hand salary for other CTCs
2 LPA
2.5 LPA
3 LPA
3.5 LPA
4 LPA
4.5 LPA
5 LPA
5.5 LPA
6 LPA
6.5 LPA
7 LPA
7.5 LPA
8 LPA
8.5 LPA
9 LPA
9.5 LPA
10 LPA
10.5 LPA
11 LPA
11.5 LPA
12 LPA
12.5 LPA
12.75 LPA
13 LPA
14 LPA
15 LPA
16 LPA
17 LPA
18 LPA
19 LPA
20 LPA
21 LPA
22 LPA
23 LPA
24 LPA
25 LPA
26 LPA
27 LPA
28 LPA
30 LPA
32 LPA
35 LPA
40 LPA
45 LPA
50 LPA
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