Home › Salary › In-Hand Salary

In-Hand Salary Calculator
CTC to take-home — see what you actually get

Convert your CTC (Cost to Company) to actual take-home salary after all deductions — EPF, professional tax, income tax, and gratuity. See your real monthly income for FY 2026-27.

CTC to in-handAll deductionsOld & new regimeMonthly breakdown
INR
%
%
INR

?What is in-hand salary?

In-hand salary (also called take-home pay or net salary) is the actual amount credited to your bank account after all deductions from your CTC (Cost to Company). According to a 2025 survey by ADP Research Institute, the average Indian employee's take-home salary is approximately 65-75% of their CTC, with the gap primarily attributed to EPF contributions (12% of basic), income tax (0-30%), professional tax (₹200/month in most states), and gratuity provisioning (4.81% of basic).

Understanding the CTC-to-in-hand conversion is crucial because the CTC figure mentioned in your offer letter can be significantly different from what actually hits your bank. For instance, a ₹12 lakh CTC typically translates to approximately ₹78,000-₹85,000 per month in-hand, depending on your tax regime and investment declarations.

CTC ₹12 lakh — what's the in-hand salary?

For a ₹12 LPA CTC with 40% basic: Monthly basic = ₹40,000. Employee PF = ₹4,800. Professional tax = ₹200. Gross monthly = ₹1,00,000. After deductions, estimated in-hand is approximately ₹78,000-₹85,000/month depending on tax regime, HRA claim, and 80C investments.

ΣCTC to in-hand formula

In-Hand Salary = Gross Salary − Employee PF − Professional Tax − Income Tax

Where: Gross Salary = CTC − Employer PF − Gratuity
Employee PF = 12% of Basic Salary (capped at ₹1,800/mo on ₹15,000 basic)
Gratuity = 4.81% of Basic Salary

%CTC breakdown by component

ComponentTypical %On ₹12L CTC
Basic salary40-50%₹4,80,000
HRA20-25%₹2,40,000
Special allowance15-25%₹1,80,000
Employer PF12% of basic₹57,600
Gratuity4.81% of basic₹23,088
Insurance/other1-3%₹19,312

Calculate your income tax

See how much tax you owe under old vs new regime with our income tax calculator.

Income Tax Calculator →

Frequently asked questions

What is in-hand salary?
In-hand salary is the net amount credited to your bank after deducting EPF (12% of basic), professional tax (₹200/month), income tax, and other deductions from gross salary. It typically ranges from 65-75% of CTC according to ADP Research data.
How to calculate in-hand from CTC?
In-hand = CTC minus employer PF (12% of basic) minus gratuity (4.81% of basic) minus employee PF (12% of basic) minus professional tax (₹200/month) minus income tax. For ₹12L CTC, expect ₹78K-85K/month in-hand.
What percentage of CTC is take-home?
Typically 65-75% of CTC is your take-home salary. Higher CTC packages have lower take-home percentages due to progressive income tax. A ₹6L CTC may yield ~80% take-home while ₹25L CTC yields ~60%.
Is PF deducted from CTC or salary?
Both employer PF (12% of basic) and employee PF (12% of basic) exist. Employer PF is part of your CTC but not paid to you. Employee PF is deducted from your gross salary. Total PF contribution is 24% of basic salary, capped at ₹15,000 basic for PF calculation purposes.