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)
₹2 crore salary: ₹9,54,433 in hand a month
On a CTC of ₹2,00,00,000 you take home about ₹9,54,433 a month (₹1,14,53,200 a year) under the new regime, after ₹80,000 PF, ₹200 professional tax and ₹5,19,967 income tax a month. The new regime saves ₹2,32,360 a year, unless your old-regime deductions add up to more than ₹7,97,597.
The ₹2 crore CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹80,00,000 | ₹6,66,667 |
| HRA | ₹40,00,000 | ₹3,33,333 |
| Special allowance | ₹66,55,200 | ₹5,54,600 |
| Gross pay | ₹1,86,55,200 | ₹15,54,600 |
| Employer PF (in the CTC, not paid to you) | ₹9,60,000 | ₹80,000 |
| Gratuity (in the CTC, paid when you leave) | ₹3,84,800 | ₹32,067 |
| Your PF (12% of Basic) | −₹9,60,000 | −₹80,000 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹62,39,600 | −₹5,19,967 |
| In hand | ₹1,14,53,200 | ₹9,54,433 |
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 ₹2 crore
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹1,87,90,200 | ₹1,86,62,800 |
| Income tax and cess, a year | ₹62,39,600 | ₹64,71,960 |
| Income tax, a month | ₹5,19,967 | ₹5,39,330 |
| In hand, a month | ₹9,54,433 | ₹9,35,070 |
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 ₹7,97,597.
Your own deductions
Questions people ask about a ₹2 crore salary
What is the in-hand salary on a ₹2 crore CTC?
About ₹9,54,433 a month under the new regime: ₹15,54,600 of gross pay, less ₹80,000 PF, ₹200 professional tax and ₹5,19,967 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 ₹2 crore salary?
₹62,39,600 a year in the new regime (₹5,19,967 a month, 31.2% of the CTC), and ₹64,71,960 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 ₹2 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 ₹7,97,597.
Other salaries: ₹90 lakh · ₹1 crore · ₹1.5 crore · every salary from ₹3 lakh to ₹2 crore
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