Swiggy In-Hand Salary Calculator
Consumer-tech company with base plus stock. For a ₹20L CTC, the estimated take-home is about ₹1,11,448/month. Enter your own offer below for an exact breakdown.
Estimated monthly in-hand
₹1,11,448
Annual in-hand
₹13,37,378
66.9% of cash CTC
| Cash CTC (annual) | ₹20,00,000 |
| Basic salary | ₹9,00,000 |
| Variable / bonus (paid separately) | ₹2,40,000 |
| Employer PF | − ₹1,08,000 |
| Gratuity | − ₹43,290 |
| Employee PF | − ₹1,08,000 |
| Professional tax | − ₹2,400 |
| Income tax (new regime, incl. 4% cess) | − ₹1,60,932 |
| Annual in-hand (take-home) | ₹13,37,378 |
Example: ₹20L CTC, 45% basic, 12% variable. Typical structure, not official. FY 2025-26 (AY 2026-27).
Estimating your Swiggy take-home
Swiggy salary offers, like all Indian CTCs, bundle employer PF and gratuity that never reach you as cash. On this ₹20L example, income tax is about ₹1,60,932/year and you build ₹2,16,000/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 Swiggy offer
₹20L per year
Estimated monthly in-hand
₹1,11,448
₹13,37,378 / year · 66.9% of cash CTC take-home
New vs Old regime
New regime
₹1,11,448/mo
tax ₹1,60,932
Old regime
₹98,243/mo
tax ₹3,19,398
The new regime gives you ₹1,58,466 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 Swiggy for a ₹20L CTC? +
Using Swiggy's typical structure (45% basic, 12% variable), a ₹20L cash CTC gives about ₹1,11,448/month in-hand under the new regime for FY 2025-26.
How is Swiggy's salary structured? +
Consumer-tech company with base plus 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. Swiggy salary structures vary by role, level and location. This tool gives an estimate from a typical split; always rely on your official offer letter.