Paytm In-Hand Salary Calculator
Fintech with base plus variable and some stock. For a ₹18L CTC, the estimated take-home is about ₹1,02,098/month. Enter your own offer below for an exact breakdown.
Estimated monthly in-hand
₹1,02,098
Annual in-hand
₹12,25,180
68.1% of cash CTC
| Cash CTC (annual) | ₹18,00,000 |
| Basic salary | ₹8,10,000 |
| Variable / bonus (paid separately) | ₹2,16,000 |
| Employer PF | − ₹97,200 |
| Gratuity | − ₹38,961 |
| Employee PF | − ₹97,200 |
| Professional tax | − ₹2,400 |
| Income tax (new regime, incl. 4% cess) | − ₹1,23,059 |
| Annual in-hand (take-home) | ₹12,25,180 |
Example: ₹18L CTC, 45% basic, 12% variable. Typical structure, not official. FY 2025-26 (AY 2026-27).
Estimating your Paytm take-home
Paytm salary offers, like all Indian CTCs, bundle employer PF and gratuity that never reach you as cash. On this ₹18L example, income tax is about ₹1,23,059/year and you build ₹1,94,400/year in EPF savings.
Your real number depends on your level, location and stock component. Put your exact CTC into the calculator to see your monthly in-hand.
Calculate your exact Paytm offer
₹18L per year
Estimated monthly in-hand
₹1,02,098
₹12,25,180 / year · 68.1% of cash CTC take-home
New vs Old regime
New regime
₹1,02,098/mo
tax ₹1,23,059
Old regime
₹90,543/mo
tax ₹2,61,718
The new regime gives you ₹1,38,659 more per year (assuming ₹1,50,000 of old-regime deductions).
Estimate for FY 2025-26 (new regime default). Actual pay varies with your exact salary structure and employer policy. Not tax advice.
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Frequently asked questions
What is the in-hand salary at Paytm for a ₹18L CTC? +
Using Paytm's typical structure (45% basic, 12% variable), a ₹18L cash CTC gives about ₹1,02,098/month in-hand under the new regime for FY 2025-26.
How is Paytm's salary structured? +
Fintech with base plus variable and some stock. These are typical, community-observed patterns — your actual offer letter is the source of truth. Use the calculator to enter your exact numbers.
Does this include stock / RSUs? +
Cash in-hand excludes stock. If your offer includes RSUs, add the annual vesting value in the calculator's advanced options to see total compensation.
Are these official numbers? +
No. Paytm salary structures vary by role, level and location. This tool gives an estimate from a typical split; always rely on your official offer letter.