Offered a salary in rupees per month? Here is what each figure means annually, what reaches your account, and the two thresholds that change everything.
Updated 29 August 2026. Professional tax is no longer applied to these national figures, because it varies by state. What changed →
Short answer: you keep roughly 83% to 94% of a monthly CTC, and the share rises as salary goes up in this range. No income tax is payable anywhere on this page — every figure here is below the ₹12.75 lakh threshold.
New tax regime, FY 2026-27 · 40% basic, no variable pay · Figures are indicative, as of August 2026
| Monthly CTC | Annual | In LPA | In hand | ESI cover | You keep |
|---|---|---|---|---|---|
| ₹15,000 | ₹1.80 L | 1.8 LPA | ₹12,515 | yes | 83% |
| ₹18,000 | ₹2.16 L | 2.2 LPA | ₹15,058 | yes | 84% |
| ₹20,000 | ₹2.40 L | 2.4 LPA | ₹16,754 | yes | 84% |
| ₹25,000 | ₹3.00 L | 3.0 LPA | ₹21,919 | — | 88% |
| ₹30,000 | ₹3.60 L | 3.6 LPA | ₹26,343 | — | 88% |
| ₹35,000 | ₹4.20 L | 4.2 LPA | ₹30,767 | — | 88% |
| ₹40,000 | ₹4.80 L | 4.8 LPA | ₹35,431 | — | 89% |
| ₹45,000 | ₹5.40 L | 5.4 LPA | ₹40,335 | — | 90% |
| ₹50,000 | ₹6.00 L | 6.0 LPA | ₹45,238 | — | 90% |
| ₹65,000 | ₹7.80 L | 7.8 LPA | ₹59,950 | — | 92% |
| ₹70,000 | ₹8.40 L | 8.4 LPA | ₹64,854 | — | 93% |
| ₹75,000 | ₹9.00 L | 9.0 LPA | ₹69,758 | — | 93% |
| ₹80,000 | ₹9.60 L | 9.6 LPA | ₹74,662 | — | 93% |
| ₹90,000 | ₹10.80 L | 10.8 LPA | ₹84,469 | — | 94% |
₹21,000 — the ESI wage ceiling. Where ESI applies, the employee pays 0.75% of ESI wages and the employer 3.25%, and the employee's family receives treatment at ESIC facilities plus sickness and maternity benefit. Above the ceiling neither contribution nor cover applies. Eligibility depends on wages as defined under the ESI Act and on the establishment being covered — not on CTC. On this page's model the boundary falls near ₹22,400 monthly CTC, but your own position should be confirmed from your payslip.
₹15,000 — the provident fund statutory wage ceiling. Below it, PF is 12% of actual basic and rises with each increment. Above it, this model assumes contributions settle at ₹1,800 a month. Employers may instead contribute on actual basic wages, and employees may add Voluntary Provident Fund — both are permitted. At a 40% basic structure the ceiling is reached near ₹37,500 monthly CTC, though that figure moves with your basic percentage.
Retention climbs from 83% at ₹15,000 to 94% at ₹90,000. That is the opposite of what happens higher up — in the ₹20 lakh to ₹50 lakh annual range it falls from 79% to 69% as income tax takes over.
The reason is that the fixed costs inside CTC — employer PF, gratuity provision, ESI — are a large proportion of a small package and a trivial one of a large package. Efficiency peaks somewhere around ₹10 to ₹12 lakh a year, then declines.
It is your total annual package divided by twelve. It includes employer PF, the gratuity provision and, at lower salaries, employer ESI — none of which reach your bank account. Your in-hand salary is always lower.
Multiply by 12 and divide by 100,000. A CTC of ₹50,000 a month is ₹6,00,000 a year, written as 6 LPA.
Related: What CTC, LPA and in-hand mean · CTC-to-In-Hand Index 2026 (research) · In-Hand Salary by Annual CTC · Salary Calculator · Your First Salary
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Written and checked by the PaisaSamajh editorial desk · Last reviewed: 29 August 2026 · How we check this →