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Provision-by-provision reference (what each regime allows)
₹26 lakh salary: ₹1,74,217 in hand a month
On a CTC of ₹26,00,000 you take home about ₹1,74,217 a month (₹20,90,600 a year) under the new regime, after ₹13,000 PF, ₹200 professional tax and ₹29,250 income tax a month. The new regime saves ₹2,02,050 a year, unless your old-regime deductions add up to more than ₹7,97,584.
Every salary · ₹23 lakh · ₹24 lakh · ₹25 lakh · ₹27 lakh · ₹28 lakh · ₹29 lakh
The ₹26 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹13,00,000 | ₹1,08,333 |
| HRA | ₹6,50,000 | ₹54,167 |
| Special allowance | ₹6,50,000 | ₹54,167 |
| Gross pay | ₹26,00,000 | ₹2,16,667 |
| 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) | −₹1,56,000 | −₹13,000 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹3,51,000 | −₹29,250 |
| In hand | ₹20,90,600 | ₹1,74,217 |
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 ₹26 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹25,25,000 | ₹23,97,600 |
| Income tax and cess, a year | ₹3,51,000 | ₹5,53,050 |
| Income tax, a month | ₹29,250 | ₹46,088 |
| In hand, a month | ₹1,74,217 | ₹1,57,379 |
The new regime, by ₹2,02,050 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 ₹7,97,584.
Your own deductions
Questions people ask about a ₹26 lakh salary
What is the in-hand salary on a ₹26 lakh CTC?
About ₹1,74,217 a month under the new regime: ₹2,16,667 of gross pay, less ₹13,000 PF, ₹200 professional tax and ₹29,250 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 ₹26 lakh salary?
₹3,51,000 a year in the new regime (₹29,250 a month, 13.5% of the CTC), and ₹5,53,050 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 ₹26 lakh?
The new regime, by ₹2,02,050 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 ₹7,97,584.
Other salaries: ₹23 lakh · ₹24 lakh · ₹25 lakh · ₹27 lakh · ₹28 lakh · ₹29 lakh · every salary from ₹3 lakh to ₹2 crore
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