Free CTC to In-Hand Salary Calculator

Know Your Exact Take-Home Pay in Delhi NCR

Break down your CTC into Basic, HRA, PF, ESI, Professional Tax and monthly in-hand salary. Updated for FY 2026-27 with New and Old tax regime support.

100% Free Instant Results Delhi NCR Accurate

Last updated: 20 March 2026 · FY 2026-27 tax slabs

Salary Calculator

Annual CTC

₹

Work City

Tax Regime

Include Employer PF in CTC

Bonus included in CTC

Enter your CTC and click Calculate to see your salary breakdown

Quick Examples

CTC to In-Hand at a Glance

Click any card to auto-fill the calculator with that CTC. All values shown for Delhi, New Tax Regime.

Understanding Your Salary

How CTC to In-Hand Salary is Calculated in India

What is CTC?

CTC stands for Cost to Company — the total annual expenditure a company bears for an employee. It includes every component: Basic Salary, House Rent Allowance (HRA), Provident Fund (employer share), ESI (employer share), gratuity, bonuses, and any other benefits. CTC is always higher than what lands in your bank account because several components are deducted or set aside before payout.

CTC vs Gross Salary vs In-Hand Salary

Term	What It Means	Formula
CTC	Total cost the company pays for you	Basic + HRA + Allowances + Employer PF + Employer ESI + Gratuity + Bonus
Gross Salary	Your salary before personal deductions	CTC - Employer PF - Employer ESI - Gratuity
Net / In-Hand	What you actually receive in bank	Gross - Employee PF - Employee ESI - Professional Tax - Income Tax

Step-by-Step Formula (₹10 LPA Example)

Let's break down a ₹10,00,000 annual CTC for a Delhi-based employee under the New Tax Regime:

Basic Salary: 40% of CTC = ₹4,00,000/year (₹33,333/month)
HRA: 50% of Basic (Delhi is a metro) = ₹2,00,000/year (₹16,667/month)
Employer PF: 12% of Basic, capped at ₹15,000 Basic = ₹1,800/month = ₹21,600/year
Gratuity: 4.81% of Basic = ₹19,240/year
Special Allowance: CTC - Basic - HRA - Employer PF - Gratuity = ₹3,59,160/year
Gross Salary: Basic + HRA + Special Allowance = ₹9,59,160/year (₹79,930/month)
Employee PF: ₹1,800/month = ₹21,600/year
Professional Tax: ₹0 (Delhi has no PT)
Income Tax: Taxable income = ₹9,59,160 - ₹75,000 (standard deduction) = ₹8,84,160. Tax under New Regime = ₹38,832/year
Monthly In-Hand: ₹79,930 - ₹1,800 (PF) - ₹0 (PT) - ₹3,236 (tax) = ₹74,894/month

Delhi NCR Specific Rules

If you work in the Delhi NCR region, these rules affect your take-home pay:

Professional Tax: Delhi and Uttar Pradesh (Noida, Ghaziabad) charge ₹0 PT. Haryana (Gurugram, Faridabad) charges ₹200/month for salaries above ₹15,000. Read more on our Professional Tax in Delhi NCR page.
HRA: Delhi, Noida, and Gurugram are classified as metro cities, so HRA is 50% of Basic. For non-metro locations, it drops to 40%.
Minimum Wages: Your Basic Salary cannot be less than the Delhi Minimum Wages for your skill category.

New vs Old Tax Regime (FY 2026-27)

Income Slab	New Regime	Old Regime
Up to ₹2,50,000	0%	0%
₹2,50,001 - ₹3,00,000	0%	5%
₹3,00,001 - ₹5,00,000	5%	5%
₹5,00,001 - ₹7,00,000	5%	20%
₹7,00,001 - ₹10,00,000	10%	20%
₹10,00,001 - ₹12,00,000	15%	30%
₹12,00,001 - ₹15,00,000	20%	30%
Above ₹15,00,000	30%	30%

Under the New Regime, a standard deduction of ₹75,000 is available. Income up to ₹7,00,000 is effectively tax-free due to Section 87A rebate. The Old Regime allows deductions under 80C (₹1.5L), 80D (health insurance), HRA exemption, and home loan interest — which can significantly reduce tax for those with heavy investments. Our calculator above lets you compare both regimes side by side. For TDS details, check our TDS on Salary guide.

Automate Salary Calculations for Your Delhi NCR Team

Stop using Excel for payroll. Our software auto-calculates CTC breakdowns, PF, ESI, PT, and TDS for every employee — one click, zero errors.

Book Free Demo Explore Payroll Software

Common Questions

Frequently Asked Questions

What is the difference between CTC and in-hand salary?

CTC (Cost to Company) is the total amount your employer spends on you annually — including Basic, HRA, PF (employer share), ESI, gratuity, bonuses, and perks. In-hand salary is the amount that actually reaches your bank account after deducting Employee PF, Employee ESI, Professional Tax, and Income Tax. Typically, in-hand salary is 65-75% of CTC for most Indian employees.

How is Basic Salary calculated from CTC?

Most Indian companies set Basic Salary at 40% of CTC. Some companies use 50%. A lower basic means lower PF deduction (which increases in-hand but reduces retirement savings), while a higher basic means more PF but lower take-home. This calculator uses the industry-standard 40% ratio.

Is PF deducted from CTC or salary?

Both. The employer's PF contribution (12% of Basic, capped at ₹1,800/month) is included in your CTC but never reaches your bank. The employee's PF contribution (same amount) is deducted from your gross salary. So 24% of your Basic goes to PF — half from CTC, half from your paycheck.

What is Professional Tax in Delhi?

Delhi does not levy Professional Tax — your PT deduction is ₹0 if you work in Delhi. However, if you work in Gurugram or Faridabad (Haryana), PT is ₹200/month for salaries above ₹15,000. Noida and Ghaziabad (Uttar Pradesh) also have zero PT. This makes Delhi and UP locations slightly better for take-home pay.

How does HRA work for Delhi NCR employees?

HRA (House Rent Allowance) is typically 50% of Basic Salary in metro cities like Delhi, Noida, and Gurugram. If you pay rent, HRA can be partially or fully exempt from income tax under the Old Regime. The exemption is the minimum of: actual HRA received, rent paid minus 10% of Basic, or 50% of Basic for metros.

What is ESI and who is eligible?

ESI (Employee State Insurance) provides medical benefits and applies when monthly gross salary is ₹21,000 or less. Employee contributes 0.75% and employer contributes 3.25% of gross. If your gross salary exceeds ₹21,000/month (roughly ₹3.4 LPA CTC), ESI does not apply to you.

How is income tax calculated on salary in 2026?

Under the New Tax Regime (default), a standard deduction of ₹75,000 is available. Taxable income up to ₹3L is tax-free, then 5% on ₹3-7L, 10% on ₹7-10L, 15% on ₹10-12L, 20% on ₹12-15L, and 30% above ₹15L. Section 87A rebate makes income up to ₹7L effectively tax-free. 4% cess is added on total tax.

What percentage of CTC is take-home salary?

It varies by CTC level. For ₹3-5 LPA, take-home is around 75-80% of CTC (low tax). For ₹8-12 LPA, it's 68-72%. For ₹15-25 LPA, it drops to 62-68%. Above ₹25 LPA, it can be 58-65% due to the 30% tax bracket. City also matters — Gurugram employees lose ₹2,400/year more to PT than Delhi employees.

Which tax regime is better — old or new?

The New Regime is better for most people who don't actively invest for tax savings. The Old Regime benefits those who claim deductions above ₹3-4 lakh annually (through 80C, HRA, home loan, NPS, etc.). Use our calculator's regime toggle to compare both and pick the one that gives you higher in-hand salary.

How to calculate in-hand salary from an offer letter?

From your offer letter CTC: identify Basic, HRA, and other allowances. Subtract employer PF, employer ESI, and gratuity to get gross salary. Then subtract employee PF, employee ESI, Professional Tax, and estimated income tax from gross to get your monthly in-hand. Or simply enter your CTC in our calculator above — it does everything instantly.

Stop Calculating Payroll Manually

Automate CTC breakdowns, PF, ESI, TDS and payslip generation for your entire Delhi NCR team. Go live in 48 hours.