₹15.00 L per year
Monthly In-Hand Salary
₹1,02,599
After PF, Tax & Professional Tax
Monthly Breakdown
Annual CTC Split
💡 New Regime saves you more
You save ₹54,573/year by choosing the New Tax Regime.
Monthly Salary Breakdown
Convert CTC to actual take-home. Accounts for PF, professional tax, TDS, HRA, and all deductions. Supports all Indian cities including Bangalore, Mumbai, Delhi, Hyderabad, Pune.
Under Budget 2024, the New Regime has a ₹75,000 standard deduction and a nil-tax slab up to ₹7 Lakh. Compare both regimes side-by-side for FY 2025-26 to choose what saves you more.
Calculate HRA exemption under the Old Tax Regime. Metro cities (Mumbai, Delhi, Kolkata, Chennai) get 50% of basic; other cities get 40%. Three-condition minimum applies.
Gratuity = (Basic+DA × 15 × Years) ÷ 26. Applicable after 5 continuous years of service. Maximum statutory gratuity: ₹20 Lakh (fully tax-exempt).
Employee contributes 12% of basic to EPF. Employer contributes 12% — split as 3.67% to EPF and 8.33% to EPS. Current EPF interest rate: 8.25% (FY 2023-24).
PPF interest rate is 7.1% p.a. (Q1 2025). EEE status — investment (80C up to ₹1.5L), interest, and maturity are all completely tax-free. Minimum lock-in: 15 years.
In-hand salary = CTC − Employer PF (12% of basic) − Gratuity (4.81% of basic) − Employee PF (12% of basic) − Professional Tax − Income Tax (TDS). The remaining amount is your monthly take-home.
For FY 2025-26, the New Regime is generally better if your total deductions (80C + 80D + HRA + others) are less than ₹3.75 Lakh. If you have a home loan, invest ₹1.5L in 80C, and pay high rent — the Old Regime may save more. Use our calculator to compare both.
Both Karnataka (Bangalore) and Maharashtra (Mumbai, Pune) charge ₹2,400/year as Professional Tax. Delhi, Gujarat, Rajasthan, and UP have no professional tax.
Gratuity up to ₹20 Lakh is fully tax-exempt for private sector employees under Section 10(10)(ii) of the Income Tax Act. Amount above ₹20 Lakh is taxable as salary income.
The EPFO declared an interest rate of 8.25% for FY 2023-24. The rate for FY 2024-25 is expected to be similar; update the field in our calculator when announced.
You can invest between ₹500 and ₹1,50,000 per year in PPF. The current interest rate is 7.1% per annum (Q1 2025). PPF enjoys EEE (Exempt-Exempt-Exempt) tax status — fully tax-free.
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All calculations are based on Income Tax Act provisions for FY 2025-26. Figures are estimates and may vary based on individual circumstances. Consult a Chartered Accountant for personalised tax advice. ResumeWorlds does not provide tax filing services.