In-hand salary · FY 2026-27
₹8.5 LPA in-hand salary: ₹60,421 a month
On a CTC of ₹8,50,000 a year (₹70,833 a month), you take home about ₹60,421 a month, or ₹7,25,058 a year, under the new tax regime. That's 85% 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
₹60,421
In-hand a year
₹7,25,058
Income tax a year
₹0
Your PF a month
₹4,250
What changes the number
₹8.5 LPA, under the choices that actually move it.
| Scenario | In-hand a month | Difference |
|---|---|---|
| New regime (the figure above) | ₹60,421 | — |
| Old regime, no deductions beyond your own PF | ₹56,260 | −₹4,161 |
| PF on the ₹15,000 wage ceiling | ₹65,321 | +₹4,900 |
| A state with no professional tax | ₹60,630 | +₹209 |
- No income tax under the new regime: taxable income after the ₹75,000 standard deduction is ₹7,03,558, inside the Section 87A rebate's ₹12,00,000 limit.
- The new regime leaves you ₹4,161 a month better off than the old one (₹56,260), 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 ₹65,321 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.
₹7,25,058/year in-hand, on ₹8.50 L CTC.
The new regime nets you ~₹4,161/month more than the old regime here.
Where your CTC goes
- Basic pay
- ₹4,25,000 50%
- HRA
- ₹1,70,000 20%
- Special allowance (balancing)
- ₹1,83,558 22%
- Employer PF contribution
- ₹51,000 6%
- Gratuity provision
- ₹20,443 2%
Gross salary → net in-hand
- Employee PF contribution
- ₹51,000 7%
- Professional Tax
- ₹2,500 0%
This is an estimate built on editable assumptions, not a payslip — see the full disclaimer below.
FAQ
₹8.5 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.