In-hand salary for ₹18 LPA (FY 2026-27)
What is the in-hand salary for ₹18 LPA?
₹1,29,000 / month
That’s ₹15,48,002 a year in the new regime, with basic at 50% of CTC and PF capped at ₹3,000 a month. If PF is on your full basic, it’s about ₹1,18,134 a month.
Open in the calculatorMonthly breakdown
| PF capped | PF on full basic | |
|---|---|---|
| Basic pay | ₹75,000 | ₹75,000 |
| Allowances (HRA, special…) | ₹68,393 | ₹62,393 |
| Gross salary | ₹1,43,393 | ₹1,37,393 |
| Your PF | −₹3,000 | −₹9,000 |
| Professional tax | −₹200 | −₹200 |
| Income tax | −₹11,192 | −₹10,058 |
| In-hand per month | ₹1,29,000 | ₹1,18,134 |
Employer PF (₹36,000/yr capped) and gratuity (₹43,290/yr) are part of your CTC but don’t reach your bank each month. Professional tax assumed at ₹2,400 a year.
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What do you know?
₹
₹18 lakh
₹
Leave at 0 if your CTC is all fixed pay
Tax regime
Salary structure
%
50% is now standard under the labour codes
Provident fund
%
Share of basic. Tax-free up to 14% in the new regime, 10% in the old.
Monthly in-hand salary
₹1,29,000
₹15,48,002 a year in your bank
Income tax / yr
₹1,34,308
Effective tax rate
8.2%
Your PF / yr
₹36,000
Monthly gross
₹1,43,393
Where your CTC goes
The new regime gives you ₹14,998 more each month than the old one. The old regime would only win if your deductions crossed ₹6,12,900.
Your monthly payslip
Earnings
Basic₹75,000
Allowances (HRA, special…)₹68,393
Gross₹1,43,393
Deductions
Provident fund−₹3,000
Professional tax−₹200
Income tax (TDS)−₹11,192
Total₹14,392
Net pay₹1,29,000
Questions people ask
What is ₹18 LPA per month?
₹18 LPA means a CTC of ₹18,00,000 a year, or ₹1,50,000 a month on paper. After PF, gratuity, professional tax and income tax, the amount in your bank is about ₹1,29,000 a month in the new regime.
How much income tax do I pay on ₹18 LPA?
About ₹1,34,308 a year (₹11,192 a month) in the new regime, an effective rate of 8.2% on taxable income of ₹16,45,710.
Is the old regime better for ₹18 LPA?
Only if your old-regime deductions (80C, 80D, HRA, home-loan interest, NPS) add up to more than about ₹6,12,900. Without deductions, the old regime would cost you ₹1,79,973 more a year.
Why does PF make such a difference?
If PF is calculated on your full basic instead of being capped at ₹3,000 a month, ₹10,866 less reaches your bank each month. That money isn’t lost: it goes into your EPF account, where it earns interest for retirement.