₹25 lakh CTC salary breakup
A typical structure for a ₹25 lakh CTC (₹25,00,000 a year) in the new regime. The new regime gives the higher take-home pay with no extra deductions.
| Component | Monthly | Yearly |
|---|---|---|
| Basic salary | ₹1,04,167 | ₹12,50,000 |
| House rent allowance | ₹52,083 | ₹6,25,000 |
| Special allowance | ₹45,273 | ₹5,43,275 |
| Gross salary | ₹2,01,523 | ₹24,18,275 |
| Employer PF | ₹1,800 | ₹21,600 |
| Gratuity | ₹5,010 | ₹60,125 |
| Your PF | − ₹1,800 | − ₹21,600 |
| Professional tax | − ₹208 | − ₹2,500 |
| Income tax (new regime) | − ₹24,771 | − ₹2,97,252 |
In-hand salary: ₹1,74,744 a month (₹20,96,923 a year).
How basic pay changes your in-hand salary
A higher basic raises gratuity and, if PF is on full basic, PF. With PF on the ₹15,000 ceiling:
| Basic salary | Monthly in-hand | Monthly PF (total) |
|---|---|---|
| 40% of CTC | ₹1,75,485 | ₹3,600 |
| 50% of CTC | ₹1,74,744 | ₹3,600 |
| 60% of CTC | ₹1,74,002 | ₹3,600 |
Compared with nearby CTCs
Frequently asked questions
What is the in-hand salary for a ₹25 lakh CTC?
About ₹1,74,744 a month in the new tax regime for FY 2026-27, assuming basic pay at 50% of CTC, PF on the ₹15,000 wage ceiling, gratuity included in the CTC and ₹2,500 professional tax. In the old regime with no deductions beyond PF it is about ₹1,54,816.
How much income tax is deducted on a ₹25 lakh CTC?
About ₹2,97,252 a year (₹24,771 a month as TDS) in the new regime, and about ₹5,36,383 in the old regime with no deductions beyond PF.
How much PF is deducted on a ₹25 lakh CTC?
With PF on the ₹15,000 wage ceiling, you and your employer each contribute ₹1,800 a month. If your employer calculates PF on your full basic, each side becomes ₹12,500 a month and your in-hand pay falls by the difference.
How can I take home more on a ₹25 lakh CTC?
Ask whether PF can be on the wage ceiling, add employer NPS contributions (tax-free in both regimes up to a limit), and, if you pay rent and invest under 80C, compare the old regime, which allows HRA exemption.