In-hand salary · FY 2026-27
₹15 LPA in-hand salary: ₹1,00,299 a month
On a CTC of ₹15,00,000 a year (₹1,25,000 a month), you take home about ₹1,00,299 a month, or ₹12,03,593 a year, under the new tax regime. That's 80% of your monthly CTC.
Assumes Basic at 50% of CTC, HRA at 40% of Basic, PF at 12% of actual Basic and Karnataka professional tax. Change any of them in the calculator below.
In-hand a month
₹1,00,299
In-hand a year
₹12,03,593
Income tax a year
₹77,832
Your PF a month
₹7,500
What changes the number
₹15 LPA, under the choices that actually move it.
| Scenario | In-hand a month | Difference |
|---|---|---|
| New regime (the figure above) | ₹1,00,299 | — |
| Old regime, no deductions beyond your own PF | ₹90,953 | −₹9,346 |
| PF on the ₹15,000 wage ceiling | ₹1,10,810 | +₹10,511 |
| A state with no professional tax | ₹1,00,508 | +₹209 |
- Income tax under the new regime is ₹77,832 a year, or ₹6,486 a month, on a taxable income of ₹12,98,925.
- The new regime leaves you ₹9,346 a month better off than the old one (₹90,953), unless you can claim large deductions such as rent, 80C investments or home-loan interest.
- Professional tax in Karnataka is ₹200 a month (₹300 in February). States such as Delhi, Haryana and UP charge none.
- If your employer calculates PF on the ₹15,000 wage ceiling instead of your full Basic, your in-hand rises to ₹1,10,810 a month, but less goes into your PF account.
Your offer letter is different?
Adjust it to your own salary structure.
Adjust the assumptions below.
₹12,03,593/year in-hand, on ₹15.00 L CTC.
The new regime nets you ~₹9,346/month more than the old regime here.
Where your CTC goes
- Basic pay
- ₹7,50,000 50%
- HRA
- ₹3,00,000 20%
- Special allowance (balancing)
- ₹3,23,925 22%
- Employer PF contribution
- ₹90,000 6%
- Gratuity provision
- ₹36,075 2%
Gross salary → net in-hand
- Employee PF contribution
- ₹90,000 7%
- Professional Tax
- ₹2,500 0%
- Income tax (after rebate/relief)
- ₹74,839 5%
- Health & education cess (4%)
- ₹2,994 0%
This is an estimate built on editable assumptions, not a payslip — see the full disclaimer below.
Nearby amounts
In-hand salary at other CTCs.
FAQ
₹15 LPA salary, answered.
An estimate on the assumptions above for FY 2026-27, not your payslip and not tax advice. Your employer's salary structure, other income and deductions all change the real figure. Read the full disclaimer.