Your recurring monthly credit and your annual net cash at every package level, with the effect of variable pay actually paid.
Corrected 29 August 2026. An earlier version of this page excluded target variable pay from both received cash and taxable salary, which understated income tax. Figures are recalculated under model PS-A3. What changed →
Short answer: on the primary scenario you receive between 76.0% and 94.5% of CTC across the twelve CTC bands on these pages, capped provident fund as annual net cash, peaking at ₹12 LPA. If none of the target variable is paid, the range is 69.1% to 84.5% across the twelve CTC bands on these pages, capped provident fund across the twelve CTC bands on these pages, capped provident fund.
Tax Year 2026-27 · model PS-A3 · 40% basic · 10% target variable, primary scenario assumes 100% of it is paid · provident fund on the capped ₹15,000 wage basis · professional tax excluded because it varies by state · employer NPS not modelled. Your employer’s structure will differ.
| CTC | Regular monthly net | Annual net cash | Annual tax | % of CTC | Next ₹1L delivers |
|---|---|---|---|---|---|
| ₹5 LPA | ₹33,099 | ₹4.47 L | ₹0 | 89.4% | ₹98,077 |
| ₹6 LPA | ₹40,438 | ₹5.45 L | ₹0 | 90.9% | ₹98,076 |
| ₹8 LPA | ₹55,118 | ₹7.41 L | ₹0 | 92.7% | ₹98,077 |
| ₹10 LPA | ₹69,797 | ₹9.38 L | ₹0 | 93.8% | ₹98,077 |
| ₹12 LPA | ₹84,477 | ₹11.34 L | ₹0 | 94.5% | ₹98,077 |
| ₹15 LPA | ₹99,027 | ₹13.38 L | ₹89,630 | 89.2% | ₹82,777 |
| ₹18 LPA | ₹1,16,923 | ₹15.83 L | ₹1.39 L | 87.9% | ₹77,677 |
| ₹20 LPA | ₹1,28,203 | ₹17.38 L | ₹1.80 L | 86.9% | ₹77,677 |
| ₹25 LPA | ₹1,54,862 | ₹21.08 L | ₹3.00 L | 84.3% | ₹69,800 |
| ₹30 LPA | ₹1,79,004 | ₹24.48 L | ₹4.51 L | 81.6% | ₹67,477 |
| ₹40 LPA | ₹2,26,901 | ₹31.23 L | ₹7.57 L | 78.1% | ₹67,477 |
| ₹50 LPA | ₹2,74,799 | ₹37.98 L | ₹10.63 L | 76.0% | ₹67,477 |
| CTC | None paid | Half paid | All paid (primary) |
|---|---|---|---|
| ₹10 LPA | ₹8.38 L (83.8%) | ₹8.88 L (88.8%) | ₹9.38 L (93.8%) |
| ₹15 LPA | ₹12.52 L (83.5%) | ₹12.75 L (85.0%) | ₹13.38 L (89.2%) |
| ₹20 LPA | ₹15.80 L (79.0%) | ₹16.59 L (83.0%) | ₹17.38 L (86.9%) |
| ₹30 LPA | ₹22.42 L (74.7%) | ₹23.45 L (78.2%) | ₹24.48 L (81.6%) |
| ₹50 LPA | ₹34.54 L (69.1%) | ₹36.26 L (72.5%) | ₹37.98 L (76.0%) |
Unpaid target variable is neither received nor taxed. It is not a deduction and not money permanently lost.
The share of CTC reaching you is highest at ₹12 LPA (94.5%) and lowest at ₹50 LPA (76.0%). At low CTC the fixed employer costs — provident fund on the capped basis and the gratuity provision — take a large proportional bite. At high CTC income tax dominates.
On gross salary after income tax only, yes. The exact boundaries, and the payroll deductions excluded from that metric, are set out on our CTC-to-in-hand research index. We do not publish a fixed CTC band for the effect, because where it falls on a CTC basis depends entirely on your salary structure.
On the primary scenario — capped provident fund, professional tax excluded, and all target variable pay actually paid — between 76.0% and 94.5% of CTC as annual net cash. Conversion peaks at ₹12 LPA and is lowest at ₹50 LPA. If no variable pay is received the range is 69.1% to 84.5% across the twelve CTC bands on these pages, capped provident fund.
Regular monthly net is your recurring bank credit and excludes variable pay, which is normally paid annually or quarterly. Annual net cash is everything received across the year including variable actually paid. Dividing annual net cash by twelve gives an average, not a payslip figure.
On gross salary after income tax only, yes — the boundaries are published on our research index. Mapping those boundaries to a CTC figure depends on your salary structure, so we do not publish a fixed CTC band.
Related: Monthly CTC to In-Hand · Income Tax by Salary · CTC to In-Hand Guide · Research index