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Provision-by-provision reference (what each regime allows)
₹21 lakh salary: ₹1,46,425 in hand a month
On a CTC of ₹21,00,000 you take home about ₹1,46,425 a month (₹17,57,100 a year) under the new regime, after ₹10,500 PF, ₹200 professional tax and ₹17,875 income tax a month. The new regime saves ₹1,90,040 a year, unless your old-regime deductions add up to more than ₹7,35,084.
Every salary · ₹18 lakh · ₹19 lakh · ₹20 lakh · ₹22 lakh · ₹23 lakh · ₹24 lakh
The ₹21 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹10,50,000 | ₹87,500 |
| HRA | ₹5,25,000 | ₹43,750 |
| Special allowance | ₹5,25,000 | ₹43,750 |
| Gross pay | ₹21,00,000 | ₹1,75,000 |
| Employer PF (in the CTC, not paid to you) | ₹0 | ₹0 |
| Gratuity (in the CTC, paid when you leave) | ₹0 | ₹0 |
| Your PF (12% of Basic) | −₹1,26,000 | −₹10,500 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹2,14,500 | −₹17,875 |
| In hand | ₹17,57,100 | ₹1,46,425 |
Basic at 50% of the CTC, HRA half of Basic, employer PF and gratuity on top of the CTC, ₹2,400 professional tax, age under 60. Change any of it below or in your payslip on the Tax & salary page.
Old vs new regime at ₹21 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹20,25,000 | ₹19,21,600 |
| Income tax and cess, a year | ₹2,14,500 | ₹4,04,540 |
| Income tax, a month | ₹17,875 | ₹33,712 |
| In hand, a month | ₹1,46,425 | ₹1,30,588 |
The new regime, by ₹1,90,040 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 ₹7,35,084.
Your own deductions
Questions people ask about a ₹21 lakh salary
What is the in-hand salary on a ₹21 lakh CTC?
About ₹1,46,425 a month under the new regime: ₹1,75,000 of gross pay, less ₹10,500 PF, ₹200 professional tax and ₹17,875 income tax. That assumes Basic at 50% of the CTC, with employer PF and gratuity paid on top of the CTC; your own 12% PF comes off your pay. A larger Basic means more PF and a little less in hand.
How much income tax is paid on a ₹21 lakh salary?
₹2,14,500 a year in the new regime (₹17,875 a month, 10.2% of the CTC), and ₹4,04,540 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 ₹21 lakh?
The new regime, by ₹1,90,040 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 ₹7,35,084.
Other salaries: ₹18 lakh · ₹19 lakh · ₹20 lakh · ₹22 lakh · ₹23 lakh · ₹24 lakh · every salary from ₹3 lakh to ₹2 crore
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