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)
₹11 lakh salary: ₹80,903 in hand a month
On a CTC of ₹11,00,000 you take home about ₹80,903 a month (₹9,70,836 a year) under the new regime, after ₹4,400 PF, ₹200 professional tax and ₹0 income tax a month. The new regime saves ₹1,00,530 a year, unless your old-regime deductions add up to more than ₹4,73,636.
Every salary · ₹8 lakh · ₹9 lakh · ₹10 lakh · ₹12 lakh · ₹13 lakh · ₹14 lakh
The ₹11 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹4,40,000 | ₹36,667 |
| HRA | ₹2,20,000 | ₹18,333 |
| Special allowance | ₹3,66,036 | ₹30,503 |
| Gross pay | ₹10,26,036 | ₹85,503 |
| Employer PF (in the CTC, not paid to you) | ₹52,800 | ₹4,400 |
| Gratuity (in the CTC, paid when you leave) | ₹21,164 | ₹1,764 |
| Your PF (12% of Basic) | −₹52,800 | −₹4,400 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | ₹0 | ₹0 |
| In hand | ₹9,70,836 | ₹80,903 |
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 ₹11 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹9,51,036 | ₹9,20,836 |
| Income tax and cess, a year | ₹0 | ₹1,00,530 |
| Income tax, a month | ₹0 | ₹8,378 |
| In hand, a month | ₹80,903 | ₹72,526 |
The new regime, by ₹1,00,530 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 ₹4,73,636.
Your own deductions
Questions people ask about a ₹11 lakh salary
What is the in-hand salary on a ₹11 lakh CTC?
About ₹80,903 a month under the new regime: ₹85,503 of gross pay, less ₹4,400 PF, ₹200 professional tax and ₹0 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 ₹11 lakh salary?
₹0 a year in the new regime (₹0 a month, 0.0% of the CTC), and ₹1,00,530 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 ₹11 lakh?
The new regime, by ₹1,00,530 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 ₹4,73,636.
Why is there no tax at ₹11 lakh in the new regime?
Taxable income works out to ₹9,51,036 after the ₹75,000 standard deduction. Up to ₹12,00,000 of taxable income, the rebate (section 156 of the Income-tax Act 2025, formerly 87A) cancels the tax in the new regime.
Other salaries: ₹8 lakh · ₹9 lakh · ₹10 lakh · ₹12 lakh · ₹13 lakh · ₹14 lakh · every salary from ₹3 lakh to ₹2 crore
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