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)
₹17 lakh salary: ₹1,15,902 in hand a month
On a CTC of ₹17,00,000 you take home about ₹1,15,902 a month (₹13,90,822 a year) under the new regime, after ₹6,800 PF, ₹200 professional tax and ₹9,239 income tax a month. The new regime saves ₹1,47,060 a year, unless your old-regime deductions add up to more than ₹5,62,740.
Every salary · ₹14 lakh · ₹15 lakh · ₹16 lakh · ₹18 lakh · ₹19 lakh · ₹20 lakh
The ₹17 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹6,80,000 | ₹56,667 |
| HRA | ₹3,40,000 | ₹28,333 |
| Special allowance | ₹5,65,692 | ₹47,141 |
| Gross pay | ₹15,85,692 | ₹1,32,141 |
| Employer PF (in the CTC, not paid to you) | ₹81,600 | ₹6,800 |
| Gratuity (in the CTC, paid when you leave) | ₹32,708 | ₹2,726 |
| Your PF (12% of Basic) | −₹81,600 | −₹6,800 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹1,10,870 | −₹9,239 |
| In hand | ₹13,90,822 | ₹1,15,902 |
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 ₹17 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹15,10,692 | ₹14,51,692 |
| Income tax and cess, a year | ₹1,10,870 | ₹2,57,930 |
| Income tax, a month | ₹9,239 | ₹21,494 |
| In hand, a month | ₹1,15,902 | ₹1,03,647 |
The new regime, by ₹1,47,060 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 ₹5,62,740.
Your own deductions
Questions people ask about a ₹17 lakh salary
What is the in-hand salary on a ₹17 lakh CTC?
About ₹1,15,902 a month under the new regime: ₹1,32,141 of gross pay, less ₹6,800 PF, ₹200 professional tax and ₹9,239 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 ₹17 lakh salary?
₹1,10,870 a year in the new regime (₹9,239 a month, 6.5% of the CTC), and ₹2,57,930 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 ₹17 lakh?
The new regime, by ₹1,47,060 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 ₹5,62,740.
Other salaries: ₹14 lakh · ₹15 lakh · ₹16 lakh · ₹18 lakh · ₹19 lakh · ₹20 lakh · every salary from ₹3 lakh to ₹2 crore
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