In-hand salary · FY 2026-27
₹9.5 LPA in-hand salary: ₹67,554 a month
On a CTC of ₹9,50,000 a year (₹79,167 a month), you take home about ₹67,554 a month, or ₹8,10,653 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
₹67,554
In-hand a year
₹8,10,653
Income tax a year
₹0
Your PF a month
₹4,750
What changes the number
₹9.5 LPA, under the choices that actually move it.
| Scenario | In-hand a month | Difference |
|---|---|---|
| New regime (the figure above) | ₹67,554 | — |
| Old regime, no deductions beyond your own PF | ₹61,910 | −₹5,644 |
| PF on the ₹15,000 wage ceiling | ₹73,454 | +₹5,900 |
| A state with no professional tax | ₹67,763 | +₹209 |
- No income tax under the new regime: taxable income after the ₹75,000 standard deduction is ₹7,95,153, inside the Section 87A rebate's ₹12,00,000 limit.
- The new regime leaves you ₹5,644 a month better off than the old one (₹61,910), 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 ₹73,454 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.
₹8,10,653/year in-hand, on ₹9.50 L CTC.
The new regime nets you ~₹5,645/month more than the old regime here.
Where your CTC goes
- Basic pay
- ₹4,75,000 50%
- HRA
- ₹1,90,000 20%
- Special allowance (balancing)
- ₹2,05,153 22%
- Employer PF contribution
- ₹57,000 6%
- Gratuity provision
- ₹22,848 2%
Gross salary → net in-hand
- Employee PF contribution
- ₹57,000 7%
- Professional Tax
- ₹2,500 0%
This is an estimate built on editable assumptions, not a payslip — see the full disclaimer below.
FAQ
₹9.5 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.