₹28 lakh CTC salary breakup
A typical structure for a ₹28 lakh CTC (₹28,00,000 a year) in the new regime. The new regime gives the higher take-home pay with no extra deductions.
| Component | Monthly | Yearly |
|---|---|---|
| Basic salary | ₹1,16,667 | ₹14,00,000 |
| House rent allowance | ₹58,333 | ₹7,00,000 |
| Special allowance | ₹50,922 | ₹6,11,060 |
| Gross salary | ₹2,25,922 | ₹27,11,060 |
| Employer PF | ₹1,800 | ₹21,600 |
| Gratuity | ₹5,612 | ₹67,340 |
| Your PF | − ₹1,800 | − ₹21,600 |
| Professional tax | − ₹208 | − ₹2,500 |
| Income tax (new regime) | − ₹32,138 | − ₹3,85,651 |
In-hand salary: ₹1,91,776 a month (₹23,01,309 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 | ₹1,92,548 | ₹3,600 |
| 50% of CTC | ₹1,91,776 | ₹3,600 |
| 60% of CTC | ₹1,91,004 | ₹3,600 |
Compared with nearby CTCs
Frequently asked questions
What is the in-hand salary for a ₹28 lakh CTC?
About ₹1,91,776 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 ₹1,71,602.
How much income tax is deducted on a ₹28 lakh CTC?
About ₹3,85,651 a year (₹32,138 a month as TDS) in the new regime, and about ₹6,27,732 in the old regime with no deductions beyond PF.
How much PF is deducted on a ₹28 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 ₹14,000 a month and your in-hand pay falls by the difference.
How can I take home more on a ₹28 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.