In-hand salary for ₹3 LPA (FY 2026-27)
What is the in-hand salary for ₹3 LPA?
₹21,199 / month
That’s ₹2,54,385 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 ₹21,199 a month.
Open in the calculatorMonthly breakdown
| PF capped | PF on full basic | |
|---|---|---|
| Basic pay | ₹12,500 | ₹12,500 |
| Allowances (HRA, special…) | ₹10,399 | ₹10,399 |
| Gross salary | ₹22,899 | ₹22,899 |
| Your PF | −₹1,500 | −₹1,500 |
| Professional tax | −₹200 | −₹200 |
| Income tax | ₹0 | ₹0 |
| In-hand per month | ₹21,199 | ₹21,199 |
Employer PF (₹18,000/yr capped) and gratuity (₹7,215/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?
₹
₹3 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
₹21,199
₹2,54,385 a year in your bank
Income tax / yr
₹0
Effective tax rate
0%
Your PF / yr
₹18,000
Monthly gross
₹22,899
Where your CTC goes
Your taxable income is ₹1,99,785 — under ₹12 lakh, so the rebate wipes out your income tax completely.
Your monthly payslip
Earnings
Basic₹12,500
Allowances (HRA, special…)₹10,399
Gross₹22,899
Deductions
Provident fund−₹1,500
Professional tax−₹200
Income tax (TDS)−₹0
Total₹1,700
Net pay₹21,199
Questions people ask
What is ₹3 LPA per month?
₹3 LPA means a CTC of ₹3,00,000 a year, or ₹25,000 a month on paper. After PF, gratuity, professional tax and income tax, the amount in your bank is about ₹21,199 a month in the new regime.
How much income tax do I pay on ₹3 LPA?
None in the new regime. Your taxable income comes to ₹1,99,785, which is under ₹12 lakh, so the rebate cancels the tax completely.
Is the old regime better for ₹3 LPA?
Only if your old-regime deductions (80C, 80D, HRA, home-loan interest, NPS) add up to more than about ₹0. Without deductions, the old regime would cost you ₹0 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, ₹0 less reaches your bank each month. That money isn’t lost: it goes into your EPF account, where it earns interest for retirement.