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)
₹19 lakh salary: ₹1,27,801 in hand a month
On a CTC of ₹19,00,000 you take home about ₹1,27,801 a month (₹15,33,614 a year) under the new regime, after ₹7,600 PF, ₹200 professional tax and ₹12,086 income tax a month. The new regime saves ₹1,68,110 a year, unless your old-regime deductions add up to more than ₹6,29,989.
Every salary · ₹16 lakh · ₹17 lakh · ₹18 lakh · ₹20 lakh · ₹21 lakh · ₹22 lakh
The ₹19 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹7,60,000 | ₹63,333 |
| HRA | ₹3,80,000 | ₹31,667 |
| Special allowance | ₹6,32,244 | ₹52,687 |
| Gross pay | ₹17,72,244 | ₹1,47,687 |
| Employer PF (in the CTC, not paid to you) | ₹91,200 | ₹7,600 |
| Gratuity (in the CTC, paid when you leave) | ₹36,556 | ₹3,046 |
| Your PF (12% of Basic) | −₹91,200 | −₹7,600 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹1,45,030 | −₹12,086 |
| In hand | ₹15,33,614 | ₹1,27,801 |
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 ₹19 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹16,97,244 | ₹16,28,644 |
| Income tax and cess, a year | ₹1,45,030 | ₹3,13,140 |
| Income tax, a month | ₹12,086 | ₹26,095 |
| In hand, a month | ₹1,27,801 | ₹1,13,792 |
The new regime, by ₹1,68,110 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 ₹6,29,989.
Your own deductions
Questions people ask about a ₹19 lakh salary
What is the in-hand salary on a ₹19 lakh CTC?
About ₹1,27,801 a month under the new regime: ₹1,47,687 of gross pay, less ₹7,600 PF, ₹200 professional tax and ₹12,086 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 ₹19 lakh salary?
₹1,45,030 a year in the new regime (₹12,086 a month, 7.6% of the CTC), and ₹3,13,140 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 ₹19 lakh?
The new regime, by ₹1,68,110 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 ₹6,29,989.
Other salaries: ₹16 lakh · ₹17 lakh · ₹18 lakh · ₹20 lakh · ₹21 lakh · ₹22 lakh · every salary from ₹3 lakh to ₹2 crore
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