With a ₹30 Lakh annual CTC, your monthly take-home is 186,585 under the New Tax Regime (FY 2025-26). Annual tax: ₹4.13 L. Take-home is 0.7% of CTC.
MONTHLY TAKE-HOME
₹1,86,585
₹30 Lakh CTC · 0.7% take-home · Annual: ₹22.39 L
| Component | Monthly | Annual |
|---|---|---|
| CTC COMPONENTS | ||
| Basic Salary | ₹1,00,000 | ₹12,00,000 |
| HRA | ₹50,000 | ₹6,00,000 |
| Special Allowance | ₹83,190 | ₹9,98,280 |
| PF (Employer) — not in hand | ₹12,000 | ₹1,44,000 |
| Gratuity (accrual) — not in hand | ₹4,810 | ₹57,720 |
| Gross Salary (taxable) | ₹2,33,190 | ₹27,98,280 |
| DEDUCTIONS | ||
| PF — Employee contribution | − ₹12,000 | − ₹1,44,000 |
| Professional Tax | − ₹200 | − ₹2,400 |
| Income Tax (TDS / month) | − ₹34,405 | − ₹4,12,860 |
| TAKE-HOME (NET) | ₹1,86,585 | ₹22.39 L |
ANNUAL TAX
₹4.13 L
TAXABLE INCOME
₹27.23 L
EFFECTIVE RATE
14.8%
TAKE-HOME OF CTC
0.7%
Income tax ₹4.13 L / year — TDS 34,405 / month
Taxable income ₹27.23 L exceeds ₹12L — 87A rebate not available.
| Scenario | Gross/mo | Tax/yr | Net/mo | Annual Net | % of CTC |
|---|---|---|---|---|---|
| New Regime Metro | ₹233,190 | ₹4.13 L | ₹186,585 | ₹22.39 L | 0.7% |
| Old Regime Metro | ₹233,190 | ₹6.62 L | ₹165,785 | ₹19.89 L | 0.7% |
| New Regime Non-Metro | ₹233,190 | ₹4.13 L | ₹186,585 | ₹22.39 L | 0.7% |
| New Regime PF Capped ★ | ₹243,390 | ₹4.51 L | ₹203,802 | ₹24.46 L | 0.8% |
Basic 40% of CTC · FY 2025-26 · Approximate · ★ = highest take-home
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Take-Home for ₹30 Lakh CTC · FY 2025-26 · Basic 40% of CTC · New & Old Regime · Approximate · For informational purposes only