With a ₹13 Lakh annual CTC, your monthly take-home is 95,649 under the New Tax Regime (FY 2025-26). Income tax is zero — the 87A rebate applies (taxable income below ₹12 lakh).
MONTHLY TAKE-HOME
₹95,649
₹13 Lakh CTC · 0.9% take-home · Annual: ₹11.48 L
| Component | Monthly | Annual |
|---|---|---|
| CTC COMPONENTS | ||
| Basic Salary | ₹43,333 | ₹5,19,996 |
| HRA | ₹21,666 | ₹2,59,992 |
| Special Allowance | ₹36,050 | ₹4,32,600 |
| PF (Employer) — not in hand | ₹5,200 | ₹62,400 |
| Gratuity (accrual) — not in hand | ₹2,084 | ₹25,008 |
| Gross Salary (taxable) | ₹1,01,049 | ₹12,12,588 |
| DEDUCTIONS | ||
| PF — Employee contribution | − ₹5,200 | − ₹62,400 |
| Professional Tax | − ₹200 | − ₹2,400 |
| Income Tax (TDS / month) | − ₹0 | − ₹0 |
| TAKE-HOME (NET) | ₹95,649 | ₹11.48 L |
ANNUAL TAX
₹0
TAXABLE INCOME
₹11.38 L
EFFECTIVE RATE
0%
TAKE-HOME OF CTC
0.9%
✔ Zero Income Tax — Section 87A Rebate Applies
Taxable income ₹1,137,588 is below ₹12,00,000 — full rebate under New Tax Regime FY 2025-26.
| Scenario | Gross/mo | Tax/yr | Net/mo | Annual Net | % of CTC |
|---|---|---|---|---|---|
| New Regime Metro | ₹101,049 | ₹0 | ₹95,649 | ₹11.48 L | 0.9% |
| Old Regime Metro | ₹101,049 | ₹1.68 L | ₹81,672 | ₹9.80 L | 0.8% |
| New Regime Non-Metro | ₹101,049 | ₹0 | ₹95,649 | ₹11.48 L | 0.9% |
| New Regime PF Capped ★ | ₹104,449 | ₹0 | ₹102,449 | ₹12.29 L | 0.9% |
Basic 40% of CTC · FY 2025-26 · Approximate · ★ = highest take-home
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Take-Home for ₹13 Lakh CTC · FY 2025-26 · Basic 40% of CTC · New & Old Regime · Approximate · For informational purposes only