In-Hand Salary for 15 LPA CTC
A ₹15 LPA (₹15L) cash CTC in India works out to roughly ₹89,444 per month in-hand (₹10,73,334/year) under the new regime for FY 2025-26 (AY 2026-27). Full breakdown below — adjust the split for your exact offer.
Estimated monthly in-hand
₹89,444
Annual in-hand
₹10,73,334
71.6% of cash CTC
| Cash CTC (annual) | ₹15,00,000 |
| Basic salary | ₹6,75,000 |
| Variable / bonus (paid separately) | ₹1,50,000 |
| Employer PF | − ₹81,000 |
| Gratuity | − ₹32,467 |
| Employee PF | − ₹81,000 |
| Professional tax | − ₹2,400 |
| Income tax (new regime, incl. 4% cess) | − ₹79,799 |
| Annual in-hand (take-home) | ₹10,73,334 |
Assumes 45% basic, 10% variable, PF on actual basic. Estimate for FY 2025-26 (AY 2026-27).
What ₹15 LPA really means
Your ₹15 LPA CTC includes the employer's PF and gratuity, which never reach you as cash. After removing those and deducting your own EPF (₹81,000), professional tax and income tax (₹79,799), your take-home is about ₹89,444/month.
You're also building ₹1,62,000/year of EPF retirement savings (employer + employee) that isn't in your monthly in-hand but is still your money.
Want to tweak the numbers for your offer? Use the live calculator below.
Adjust for your exact offer
₹15L per year
Estimated monthly in-hand
₹89,444
₹10,73,334 / year · 71.6% of cash CTC take-home
New vs Old regime
New regime
₹89,444/mo
tax ₹79,799
Old regime
₹81,495/mo
tax ₹1,75,198
The new regime gives you ₹95,399 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 for 15 LPA in India? +
For a ₹15 LPA cash CTC with a typical 45% basic and 10% variable, the estimated monthly in-hand is about ₹89,444 under the new regime for FY 2025-26 — roughly 71.6% of your cash CTC.
How much tax do I pay on 15 LPA? +
The estimated annual income tax (new regime, incl. 4% cess) on a ₹15 LPA CTC is about ₹79,799. Your exact tax depends on your salary structure and chosen regime.
What is the monthly take-home for 15 LPA? +
About ₹89,444 per month, after removing employer PF and gratuity from CTC and deducting your EPF, professional tax and income tax.
New or old regime for this CTC? +
The new regime gives about ₹95,399 more per year here (assuming ₹1.5L of old-regime deductions).