3.6 LPA in hand salary
A CTC of ₹3,60,000 gives approximately ₹26,920 per month in hand under the FY 2026-27 new tax regime — ₹3,23,040 for the year after income tax of ₹0, employee EPF of ₹17,280 and professional tax of ₹2,400.
Assumes basic = 40% of CTC, employer PF inside CTC, no gratuity in CTC, ₹2,400/year professional tax. Change any of these below to match your offer letter. FY 2026-27 rules, verified 3 Sep 2026 — see the methodology.
3.6 LPA at a glance
| FY 2026-27 | New regime | Old regime |
|---|---|---|
| Monthly in hand | ₹26,920 | ₹26,920 |
| Annual in hand | ₹3,23,040 | ₹3,23,040 |
| Income tax for the year | ₹0 | ₹0 |
| Effective tax rate on gross | 0% | 0% |
| Gross salary | ₹3,42,720 | |
| Employee EPF (12% of basic) | ₹17,280 a year, ₹1,440 a month | |
Rent and HRANo rent declared
Deductions (old regime)₹2,02,400 allowed
Tax and profilePT ₹2,400/yr · age 30
- Gross/month
- ₹28,560
- Income tax/month
- ₹0
- EPF + PT/month
- ₹1,640
- Effective tax
- 0.0%
What this salary means
Computed from your numbers, nothing sent anywhere- Income tax₹0The 87A rebate wipes out tax on taxable income up to ₹12 lakh, so nothing goes to income tax this year.
- HRA unused₹57,600You receive HRA but declared no rent. Add your rent to see the old regime exemption.Open calculator
- EPF corpus at 60₹54,04,605Your 12% and the employer share compounding at 8.25% with 5% annual raises, starting from age 30.Open calculator
- Home loan you can carry₹12,40,806An EMI of ₹10,768 (40% of in hand) at 8.5% over 20 years.
- Gratuity after 5 years₹34,61515 days of basic for every year served, tax free up to ₹20 lakh. Paid on top of CTC when you leave.Open calculator
- Among tax filerstop 54%Gross salary of ₹3,42,720 sits above 46% of income tax returns filed in India.
- In hand₹26,92089.7%
- Employee PF₹1,4404.8%
- Professional tax₹2000.7%
- Employer PF₹1,4404.8%
- New regime₹26,920/month
- Old regime₹26,920/month
At 3.6 L ctc (your figure)
| Component | Per month |
|---|---|
| Cost to company | ₹30,000 |
| Basic | ₹12,000 |
| House rent allowance | ₹4,800 |
| Employer EPF, retained for you | − ₹1,440 |
| Gross salary | ₹28,560 |
| Income tax, cess and surcharge | ₹-0 |
| Employee EPF | − ₹1,440 |
| Professional tax | − ₹200 |
| Total in hand | ₹26,920 |
| Gross salary | ₹28,560 |
| Standard deduction | − ₹6,250 |
| Taxable income | ₹22,310 |
| Income tax + cess | ₹-0 |
| Employee PF | − ₹1,440 |
| Professional tax | − ₹200 |
| Monthly in hand | ₹26,920 |
| Gross salary | ₹28,560 |
| Standard deduction | − ₹4,167 |
| Section 80C | − ₹12,500 |
| Professional tax 16(iii) | − ₹200 |
| Taxable income | ₹11,693 |
| Income tax + cess | ₹-0 |
| Employee PF | − ₹1,440 |
| Professional tax | − ₹200 |
| Monthly in hand | ₹26,920 |
Where the tax comes from
Taxable income is ₹2,67,720 after the ₹75,000 of deductions, which is within the section 87A rebate cap, so income tax is zero. The only deductions are EPF and professional tax.
When the old regime wins
The old regime already wins at this salary with no extra deductions, saving ₹0 a year.
Hike to the next rung
Reaching 4 LPA is a 11.1% hike and adds ₹3,013 a month in hand. Dropping to 3.5 LPA costs ₹753 a month. Check any percentage on the hike calculator.
3.6 LPA in hand by state
Professional tax is a state levy, so the monthly figure moves by a few hundred rupees with your work location. Full table on the professional tax by state page.
| Work state | Professional tax | Monthly in hand |
|---|---|---|
| Karnataka | ₹2,400 a year | ₹26,920 |
| Maharashtra | ₹2,500 a year | ₹26,912 |
| Telangana | ₹2,400 a year | ₹26,920 |
| Tamil Nadu | ₹2,500 a year | ₹26,912 |
| West Bengal | ₹2,400 a year | ₹26,920 |
| Gujarat | ₹2,400 a year | ₹26,920 |
| Delhi, Haryana, UP (no PT) | None | ₹27,120 |
Nearby CTCs
Free in hand salary calculator for India, FY 2026-27. Convert CTC to monthly take home after income tax, PF and professional tax, compare the new and old tax regime, and understand every line of your salary structure.