Salary CTC to In-Hand Take-Home Calculator

Accurately compute exact monthly take-home salary from your Cost-to-Company (CTC). Includes EPF (12%), ESIC, State Professional Tax, Gratuity, and Section 115BAC New Tax Regime with ₹75k Standard Deduction.

Corporate Payroll Compliance

Net Monthly Take-Home Pay

₹88,493/ month

Annual In-Hand: ₹10,61,916 (88% of CTC)

Gross Salary (Pre-Tax)

₹95,795/mo

Excludes Employer PF & Gratuity

Monthly Tax & Deductions

₹7,302/mo

PF + PT + TDS Income Tax

Salary & Allowance Configuration

Annual CTC (Cost to Company)₹12.0 Lakhs

₹

Basic Salary Component (% of CTC)50% (₹50,000/mo)

30% (Higher In-hand)50% (Code on Wages Benchmark)60% (Higher PF/Gratuity)

Income Tax Regime

State of Work (Professional Tax)

Cap PF at ₹15,000 Wage Ceiling

Limit PF contribution to statutory ₹1,800/month

Monthly Salary Breakdown (Payslip View)

Per Month

Gross Earnings (₹95,795)

Basic Salary₹50,000

House Rent Allowance (HRA 40%)₹20,000

Special Allowance & Perks₹25,795

Monthly Deductions (₹7,302)

Employee Provident Fund (EPF 12%)Accumulated in EPFO account

-₹1,800

Professional Tax (Karnataka)-₹200

Income Tax (TDS / Month)New Slabs (Sec 115BAC)

-₹5,302

Employer Contributions (Included in CTC)

Employer EPF Contribution (12%)₹1,800

Statutory Gratuity Provision (4.81%)₹2,405

Statutory Indian Wage Rules:

Under the Code on Wages 2019 benchmark, basic salary and DA should ideally comprise at least 50% of the total remuneration. Companies maintaining lower basic to reduce EPF exposure face scrutiny under Supreme Court ruling Surya Roshni Ltd v. EPFO (2019).