With a ₹15 Lakh annual CTC, your monthly take-home is 103,581 under the New Tax Regime (FY 2025-26). Annual tax: ₹81,766. Take-home is 0.8% of CTC.
MONTHLY TAKE-HOME
₹1,03,581
₹15 Lakh CTC · 0.8% take-home · Annual: ₹12.43 L
| Component | Monthly | Annual |
|---|---|---|
| CTC COMPONENTS | ||
| Basic Salary | ₹50,000 | ₹6,00,000 |
| HRA | ₹25,000 | ₹3,00,000 |
| Special Allowance | ₹41,595 | ₹4,99,140 |
| PF (Employer) — not in hand | ₹6,000 | ₹72,000 |
| Gratuity (accrual) — not in hand | ₹2,405 | ₹28,860 |
| Gross Salary (taxable) | ₹1,16,595 | ₹13,99,140 |
| DEDUCTIONS | ||
| PF — Employee contribution | − ₹6,000 | − ₹72,000 |
| Professional Tax | − ₹200 | − ₹2,400 |
| Income Tax (TDS / month) | − ₹6,814 | − ₹81,768 |
| TAKE-HOME (NET) | ₹1,03,581 | ₹12.43 L |
ANNUAL TAX
₹81,766
TAXABLE INCOME
₹13.24 L
EFFECTIVE RATE
5.8%
TAKE-HOME OF CTC
0.8%
Income tax ₹81,766 / year — TDS 6,814 / month
Taxable income ₹13.24 L exceeds ₹12L — 87A rebate not available.
| Scenario | Gross/mo | Tax/yr | Net/mo | Annual Net | % of CTC |
|---|---|---|---|---|---|
| New Regime Metro | ₹116,595 | ₹81,766 | ₹103,581 | ₹12.43 L | 0.8% |
| Old Regime Metro | ₹116,595 | ₹2.26 L | ₹91,567 | ₹10.99 L | 0.7% |
| New Regime Non-Metro | ₹116,595 | ₹81,766 | ₹103,581 | ₹12.43 L | 0.8% |
| New Regime PF Capped ★ | ₹120,795 | ₹89,628 | ₹111,326 | ₹13.36 L | 0.9% |
Basic 40% of CTC · FY 2025-26 · Approximate · ★ = highest take-home
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Take-Home for ₹15 Lakh CTC · FY 2025-26 · Basic 40% of CTC · New & Old Regime · Approximate · For informational purposes only