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)
₹25 lakh salary: ₹1,61,226 in hand a month
On a CTC of ₹25,00,000 you take home about ₹1,61,226 a month (₹19,34,710 a year) under the new regime, after ₹10,000 PF, ₹200 professional tax and ₹22,899 income tax a month. The new regime saves ₹2,03,970 a year, unless your old-regime deductions add up to more than ₹7,73,747.
Every salary · ₹22 lakh · ₹23 lakh · ₹24 lakh · ₹26 lakh · ₹27 lakh · ₹28 lakh
The ₹25 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹10,00,000 | ₹83,333 |
| HRA | ₹5,00,000 | ₹41,667 |
| Special allowance | ₹8,31,900 | ₹69,325 |
| Gross pay | ₹23,31,900 | ₹1,94,325 |
| Employer PF (in the CTC, not paid to you) | ₹1,20,000 | ₹10,000 |
| Gratuity (in the CTC, paid when you leave) | ₹48,100 | ₹4,008 |
| Your PF (12% of Basic) | −₹1,20,000 | −₹10,000 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹2,74,790 | −₹22,899 |
| In hand | ₹19,34,710 | ₹1,61,226 |
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 ₹25 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹22,56,900 | ₹21,59,500 |
| Income tax and cess, a year | ₹2,74,790 | ₹4,78,760 |
| Income tax, a month | ₹22,899 | ₹39,897 |
| In hand, a month | ₹1,61,226 | ₹1,44,228 |
The new regime, by ₹2,03,970 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 ₹7,73,747.
Your own deductions
Questions people ask about a ₹25 lakh salary
What is the in-hand salary on a ₹25 lakh CTC?
About ₹1,61,226 a month under the new regime: ₹1,94,325 of gross pay, less ₹10,000 PF, ₹200 professional tax and ₹22,899 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 ₹25 lakh salary?
₹2,74,790 a year in the new regime (₹22,899 a month, 11.0% of the CTC), and ₹4,78,760 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 ₹25 lakh?
The new regime, by ₹2,03,970 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 ₹7,73,747.
Other salaries: ₹22 lakh · ₹23 lakh · ₹24 lakh · ₹26 lakh · ₹27 lakh · ₹28 lakh · every salary from ₹3 lakh to ₹2 crore
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