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)
₹1.5 crore salary: ₹7,31,510 in hand a month
On a CTC of ₹1,50,00,000 you take home about ₹7,31,510 a month (₹87,78,120 a year) under the new regime, after ₹60,000 PF, ₹200 professional tax and ₹3,74,240 income tax a month. The new regime saves ₹2,32,360 a year, unless your old-regime deductions add up to more than ₹7,97,599.
Every salary · ₹80 lakh · ₹90 lakh · ₹1 crore · ₹2 crore
The ₹1.5 crore CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹60,00,000 | ₹5,00,000 |
| HRA | ₹30,00,000 | ₹2,50,000 |
| Special allowance | ₹49,91,400 | ₹4,15,950 |
| Gross pay | ₹1,39,91,400 | ₹11,65,950 |
| Employer PF (in the CTC, not paid to you) | ₹7,20,000 | ₹60,000 |
| Gratuity (in the CTC, paid when you leave) | ₹2,88,600 | ₹24,050 |
| Your PF (12% of Basic) | −₹7,20,000 | −₹60,000 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹44,90,880 | −₹3,74,240 |
| In hand | ₹87,78,120 | ₹7,31,510 |
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 ₹1.5 crore
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹1,39,16,400 | ₹1,37,89,000 |
| Income tax and cess, a year | ₹44,90,880 | ₹47,23,240 |
| Income tax, a month | ₹3,74,240 | ₹3,93,603 |
| In hand, a month | ₹7,31,510 | ₹7,12,147 |
The new regime, by ₹2,32,360 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 ₹7,97,599.
Your own deductions
Questions people ask about a ₹1.5 crore salary
What is the in-hand salary on a ₹1.5 crore CTC?
About ₹7,31,510 a month under the new regime: ₹11,65,950 of gross pay, less ₹60,000 PF, ₹200 professional tax and ₹3,74,240 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 ₹1.5 crore salary?
₹44,90,880 a year in the new regime (₹3,74,240 a month, 29.9% of the CTC), and ₹47,23,240 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 ₹1.5 crore?
The new regime, by ₹2,32,360 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 ₹7,97,599.
Other salaries: ₹80 lakh · ₹90 lakh · ₹1 crore · ₹2 crore · every salary from ₹3 lakh to ₹2 crore
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