In-hand salary for ₹30 LPA (FY 2026-27)
What is the in-hand salary for ₹30 LPA?
₹2,00,949 / month
That’s ₹24,11,393 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 ₹1,80,693 a month.
Open in the calculatorMonthly breakdown
| PF capped | PF on full basic | |
|---|---|---|
| Basic pay | ₹1,25,000 | ₹1,25,000 |
| Allowances (HRA, special…) | ₹1,15,988 | ₹1,03,988 |
| Gross salary | ₹2,40,988 | ₹2,28,988 |
| Your PF | −₹3,000 | −₹15,000 |
| Professional tax | −₹200 | −₹200 |
| Income tax | −₹36,838 | −₹33,094 |
| In-hand per month | ₹2,00,949 | ₹1,80,693 |
Employer PF (₹36,000/yr capped) and gratuity (₹72,150/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?
₹
₹30 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
₹2,00,949
₹24,11,393 a year in your bank
Income tax / yr
₹4,42,057
Effective tax rate
15.7%
Your PF / yr
₹36,000
Monthly gross
₹2,40,988
Where your CTC goes
The new regime gives you ₹19,802 more each month than the old one. The old regime would only win if your deductions crossed ₹7,97,600.
Your monthly payslip
Earnings
Basic₹1,25,000
Allowances (HRA, special…)₹1,15,988
Gross₹2,40,988
Deductions
Provident fund−₹3,000
Professional tax−₹200
Income tax (TDS)−₹36,838
Total₹40,038
Net pay₹2,00,949
Questions people ask
What is ₹30 LPA per month?
₹30 LPA means a CTC of ₹30,00,000 a year, or ₹2,50,000 a month on paper. After PF, gratuity, professional tax and income tax, the amount in your bank is about ₹2,00,949 a month in the new regime.
How much income tax do I pay on ₹30 LPA?
About ₹4,42,057 a year (₹36,838 a month) in the new regime, an effective rate of 15.7% on taxable income of ₹28,16,850.
Is the old regime better for ₹30 LPA?
Only if your old-regime deductions (80C, 80D, HRA, home-loan interest, NPS) add up to more than about ₹7,97,600. Without deductions, the old regime would cost you ₹2,37,619 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, ₹20,256 less reaches your bank each month. That money isn’t lost: it goes into your EPF account, where it earns interest for retirement.