What you take home, and which tax regime wins.
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Old regime or new regime?
Type your CTC to see which regime leaves more in your hand, and whether your deductions can make the old one win.
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Provision-by-provision reference (what each regime allows)
₹1 crore salary: ₹5,12,516 in hand a month
On a CTC of ₹1,00,00,000 you take home about ₹5,12,516 a month (₹61,50,190 a year) under the new regime, after ₹40,000 PF, ₹200 professional tax and ₹2,24,584 income tax a month. The new regime saves ₹2,22,260 a year, unless your old-regime deductions add up to more than ₹7,97,593.
Every salary · ₹75 lakh · ₹80 lakh · ₹90 lakh · ₹1.5 crore · ₹2 crore
The ₹1 crore CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹40,00,000 | ₹3,33,333 |
| HRA | ₹20,00,000 | ₹1,66,667 |
| Special allowance | ₹33,27,600 | ₹2,77,300 |
| Gross pay | ₹93,27,600 | ₹7,77,300 |
| Employer PF (in the CTC, not paid to you) | ₹4,80,000 | ₹40,000 |
| Gratuity (in the CTC, paid when you leave) | ₹1,92,400 | ₹16,033 |
| Your PF (12% of Basic) | −₹4,80,000 | −₹40,000 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹26,95,010 | −₹2,24,584 |
| In hand | ₹61,50,190 | ₹5,12,516 |
Basic at 40% of the CTC, HRA half of Basic, employer PF and gratuity inside the CTC, ₹2,400 professional tax, age under 60. Change any of it below or in the in-hand salary calculator.
Old vs new regime at ₹1 crore
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹92,52,600 | ₹91,25,200 |
| Income tax and cess, a year | ₹26,95,010 | ₹29,17,270 |
| Income tax, a month | ₹2,24,584 | ₹2,43,106 |
| In hand, a month | ₹5,12,516 | ₹4,93,994 |
The new regime, by ₹2,22,260 a year, for most people. The old regime wins only when its deductions (the HRA exemption, 80C including your PF, home-loan interest, health insurance and your own NPS) add up to more than ₹7,97,593.
Your own deductions
Questions people ask about a ₹1 crore salary
What is the in-hand salary on a ₹1 crore CTC?
About ₹5,12,516 a month under the new regime: ₹7,77,300 of gross pay, less ₹40,000 PF, ₹200 professional tax and ₹2,24,584 income tax. That assumes Basic at 40% of the CTC with employer PF and gratuity inside it; a larger Basic means more PF and a little less in hand.
How much income tax is paid on a ₹1 crore salary?
₹26,95,010 a year in the new regime (₹2,24,584 a month, 27.0% of the CTC), and ₹29,17,270 in the old regime with no deductions beyond PF. Both include the 4% health and education cess.
Is the old or the new tax regime better for ₹1 crore?
The new regime, by ₹2,22,260 a year, for most people. The old regime wins only when its deductions (the HRA exemption, 80C including your PF, home-loan interest, health insurance and your own NPS) add up to more than ₹7,97,593.
Other salaries: ₹75 lakh · ₹80 lakh · ₹90 lakh · ₹1.5 crore · ₹2 crore · every salary from ₹3 lakh to ₹2 crore
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