₹30 lakh CTC salary breakup
A typical structure for a ₹30 lakh CTC (₹30,00,000 a year) in the new regime. The new regime gives the higher take-home pay with no extra deductions.
| Component | Monthly | Yearly |
|---|---|---|
| Basic salary | ₹1,25,000 | ₹15,00,000 |
| House rent allowance | ₹62,500 | ₹7,50,000 |
| Special allowance | ₹54,688 | ₹6,56,250 |
| Gross salary | ₹2,42,188 | ₹29,06,250 |
| Employer PF | ₹1,800 | ₹21,600 |
| Gratuity | ₹6,013 | ₹72,150 |
| Your PF | − ₹1,800 | − ₹21,600 |
| Professional tax | − ₹208 | − ₹2,500 |
| Income tax (new regime) | − ₹37,213 | − ₹4,46,550 |
In-hand salary: ₹2,02,967 a month (₹24,35,600 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 | ₹2,03,794 | ₹3,600 |
| 50% of CTC | ₹2,02,967 | ₹3,600 |
| 60% of CTC | ₹2,02,139 | ₹3,600 |
Compared with nearby CTCs
Frequently asked questions
What is the in-hand salary for a ₹30 lakh CTC?
About ₹2,02,967 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 ₹1,82,793.
How much income tax is deducted on a ₹30 lakh CTC?
About ₹4,46,550 a year (₹37,213 a month as TDS) in the new regime, and about ₹6,88,631 in the old regime with no deductions beyond PF.
How much PF is deducted on a ₹30 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 ₹15,000 a month and your in-hand pay falls by the difference.
How can I take home more on a ₹30 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.