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CTC to In-Hand Salary Calculator India 2025

Convert your CTC offer to actual monthly take-home — EPF, Professional Tax and Income Tax (New Regime).

Annual CTC (₹)

₹

= ₹12.0 Lakh per annum

Basic Salary % of CTC (usually 35–50%)

HRA % of Basic (usually 40–50%)

Monthly In-Hand Salary

₹94,276

Annual: ₹11,31,312 (94.3% of CTC)

Monthly Gross

₹96,276

Monthly Tax

₹0

Monthly EPF

₹1,800

Prof. Tax

₹200

CTC Breakdown (Annual)

Basic Salary₹4,80,000 (40%)

HRA₹2,40,000 (20%)

Special Allowance₹4,35,312 (36%)

EPF (employer, 12%)₹21,600 (2%)

Gratuity (4.81%)₹23,088 (2%)

Total CTC₹12,00,000 (100%)

Monthly In-Hand Working

Monthly Gross₹96,276

− EPF Employee (12%)₹1,800

− Professional Tax₹200

− Income Tax (new regime)₹0

= Monthly In-Hand₹94,276

⚠️ Assumes New Tax Regime (FY 2025-26). EPF capped at ₹1,800/month if basic exceeds ₹15,000. Professional Tax varies by state (₹200/month used). Actual in-hand depends on employer structure, perks and exact tax declaration. Gratuity and EPF employer contributions are part of CTC but not received as monthly salary.