45 LPA in hand salary
A CTC of ₹45,00,000 gives approximately ₹2,65,766 per month in hand under the FY 2026-27 new tax regime — ₹31,89,192 for the year after income tax of ₹8,76,408, employee EPF of ₹2,16,000 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.
45 LPA at a glance
| FY 2026-27 | New regime | Old regime |
|---|---|---|
| Monthly in hand | ₹2,65,766 | ₹2,45,028 |
| Annual in hand | ₹31,89,192 | ₹29,40,341 |
| Income tax for the year | ₹8,76,408 | ₹11,25,259 |
| Effective tax rate on gross | 20.8% | 26.6% |
| Gross salary | ₹42,84,000 | |
| Employee EPF (12% of basic) | ₹2,16,000 a year, ₹18,000 a month | |
Rent and HRANo rent declared
Deductions (old regime)₹2,02,400 allowed
Tax and profilePT ₹2,400/yr · age 30
- Gross/month
- ₹3,57,000
- Income tax/month
- ₹73,034
- EPF + PT/month
- ₹18,200
- Effective tax
- 20.8%
What this salary means
Computed from your numbers, nothing sent anywhere- New regime saves₹2,02,051/yrOld regime tax would be ₹10,78,459 even after ₹2,02,400 of deductions.Open calculator
- HRA unused₹7,20,000You receive HRA but declared no rent. Add your rent to see the old regime exemption.Open calculator
- EPF corpus at 60₹8,78,95,939Your 12% and the employer share compounding at 8.25% with 5% annual raises, starting from age 30.Open calculator
- Home loan you can carry₹1,22,49,776An EMI of ₹1,06,306 (40% of in hand) at 8.5% over 20 years.
- Gratuity after 5 years₹4,32,69215 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 1%Gross salary of ₹42,84,000 sits above 99% of income tax returns filed in India.
- In hand₹2,65,76670.9%
- Income tax₹73,03419.5%
- Employee PF₹18,0004.8%
- Professional tax₹2000.1%
- Employer PF₹18,0004.8%
- New regime₹2,65,766/month
- Old regime₹2,48,928/month
At 45 L ctc (your figure)
| Component | Per month |
|---|---|
| Cost to company | ₹3,75,000 |
| Basic | ₹1,50,000 |
| House rent allowance | ₹60,000 |
| Employer EPF, retained for you | − ₹18,000 |
| Gross salary | ₹3,57,000 |
| Income tax, cess and surcharge | − ₹73,034 |
| Employee EPF | − ₹18,000 |
| Professional tax | − ₹200 |
| Total in hand | ₹2,65,766 |
| Gross salary | ₹3,57,000 |
| Standard deduction | − ₹6,250 |
| Taxable income | ₹3,50,750 |
| Income tax + cess | − ₹73,034 |
| Employee PF | − ₹18,000 |
| Professional tax | − ₹200 |
| Monthly in hand | ₹2,65,766 |
| Gross salary | ₹3,57,000 |
| Standard deduction | − ₹4,167 |
| Section 80C | − ₹12,500 |
| Professional tax 16(iii) | − ₹200 |
| Taxable income | ₹3,40,133 |
| Income tax + cess | − ₹89,872 |
| Employee PF | − ₹18,000 |
| Professional tax | − ₹200 |
| Monthly in hand | ₹2,48,928 |
Where the tax comes from
Taxable income is ₹42,09,000, which reaches the 30% slab. Every extra rupee is taxed at 31.2% including cess, while the effective rate on gross is 20.8%.
When the old regime wins
You would need at least ₹7,98,000 of old-regime deductions a year — 80C, HRA exemption, home loan interest, 80D combined — before the old regime pays more than the new. Below that, the new regime saves ₹2,48,851 a year.
Hike to the next rung
Reaching 50 LPA is a 11.1% hike and adds ₹25,291 a month in hand. Dropping to 40 LPA costs ₹25,291 a month. Check any percentage on the hike calculator.
45 LPA is taxed at 30% at the margin
Taxable income of ₹42,09,000 reaches the 30% slab, so each extra rupee loses 31.2% to tax and cess. Of the next ₹1 lakh of CTC you keep ₹60,698. The next step, where the 10% surcharge starts, comes at a CTC of about ₹53,31,000.
Employer NPS at 14% of basic (₹2,52,000 a year) saves ₹1,57,248 a year in tax. Because the contribution comes out of your CTC, monthly in hand changes by −₹7,896 a month, but the money lands in your retirement account instead of the tax department.
| Lever at 45 LPA | Effect |
|---|---|
| Next ₹1 lakh of CTC | ₹60,698 a year in hand |
| Basic at 50% instead of 40% | −₹7,596 a month in hand, the difference goes to EPF |
| Employer NPS at 14% of basic | ₹1,57,248 less tax a year, −₹7,896 a month in hand |
45 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 | ₹2,65,766 |
| Maharashtra | ₹2,500 a year | ₹2,65,758 |
| Telangana | ₹2,400 a year | ₹2,65,766 |
| Tamil Nadu | ₹2,500 a year | ₹2,65,758 |
| West Bengal | ₹2,400 a year | ₹2,65,766 |
| Gujarat | ₹2,400 a year | ₹2,65,766 |
| Delhi, Haryana, UP (no PT) | None | ₹2,65,966 |
Nearby CTCs
Every CTC from 3 to 100 LPA on one page: the in hand salary table.
Convert CTC to monthly take home for FY 2026-27 after income tax, EPF and professional tax, with the new and old regime compared side by side.