Turn a CTC into what actually reaches your bank each month — Basic, HRA, provident fund and income tax under FY 2026-27 rules.
Most Indian employers set Basic between 40% and 50%.
50% of Basic is typical in metros, 40% elsewhere.
Leave at 0 if your employer does not offer corporate NPS.
12% is the statutory rate.
Other deductions (monthly)
Professional tax, canteen, group insurance — anything else withheld. These reduce take-home but not taxable income.
Monthly take-home
₹1.28 L
after PF and tax
Annual take-home
₹15.41 L
86% of CTC
Income tax a year
₹1.51 L
₹12.6 K a month
FY 2026-27 slabs, including the 87A rebate and 4% cess. Other deductions you add above reduce take-home but not taxable income — only the statutory reliefs listed here do that.
Save your salary structure once and your take-home flows into your monthly cash flow, your savings rate and your net worth — alongside your loans, goals and investments.
CTC is what you cost your employer, not what you are paid. Provident fund leaves before you see it, employer NPS goes to your NPS account rather than your bank, and income tax is deducted every month as TDS. On a typical structure those three together take roughly a fifth of CTC.