Enter your CTC and see exactly what lands in your bank every month after PF, Professional Tax and TDS. Works for old and new tax regime, metro and non-metro cities.
Your CTC (Cost to Company) is not what reaches your bank. It includes employer-side costs you never see, plus deductions taken before the salary is credited. Take-home salary is what remains after all of it.
CTC contains employer PF (12% of Basic) and a gratuity provision (4.81% of Basic). Remove those and you get the gross salary. From gross, three deductions are taken: employee PF (12% of Basic), Professional Tax (state-based), and TDS (income tax). What remains is your monthly take-home.
| Stage | What Is Removed |
|---|---|
| CTC | Starting point (annual) |
| Gross Salary | CTC minus employer PF and gratuity provision |
| Take-Home | Gross minus employee PF, Professional Tax and TDS |
Professional Tax is state-levied and directly affects take-home. Delhi charges zero PT, so Delhi employees keep more. Haryana (Gurugram, Faridabad) deducts Rs 200 per month, and Uttar Pradesh (Noida, Ghaziabad) charges PT by slab. The same CTC gives a slightly different take-home depending on which NCR city you work in.
The new regime has lower slab rates and a Rs 75,000 standard deduction but removes HRA, 80C and most exemptions. The old regime has higher rates but lets you claim HRA, 80C up to Rs 1.5 lakh and more. If you pay significant rent or invest heavily under 80C, the old regime often gives a higher take-home. Model your HRA exemption before deciding. For the full concept, read our guide on CTC to in-hand salary.
factoHR Delhi auto-calculates take-home, PF, ESI, PT and TDS for every employee and generates payslips in one click, with Delhi NCR multi-state compliance built in.
We will email your full CTC to take-home breakdown plus a free Delhi NCR salary structuring guide.