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)
₹27 lakh salary: ₹1,71,741 in hand a month
On a CTC of ₹27,00,000 you take home about ₹1,71,741 a month (₹20,60,892 a year) under the new regime, after ₹10,800 PF, ₹200 professional tax and ₹27,130 income tax a month. The new regime saves ₹2,08,410 a year, unless your old-regime deductions add up to more than ₹7,97,575.
Every salary · ₹24 lakh · ₹25 lakh · ₹26 lakh · ₹28 lakh · ₹29 lakh · ₹30 lakh
The ₹27 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹10,80,000 | ₹90,000 |
| HRA | ₹5,40,000 | ₹45,000 |
| Special allowance | ₹8,98,452 | ₹74,871 |
| Gross pay | ₹25,18,452 | ₹2,09,871 |
| Employer PF (in the CTC, not paid to you) | ₹1,29,600 | ₹10,800 |
| Gratuity (in the CTC, paid when you leave) | ₹51,948 | ₹4,329 |
| Your PF (12% of Basic) | −₹1,29,600 | −₹10,800 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹3,25,560 | −₹27,130 |
| In hand | ₹20,60,892 | ₹1,71,741 |
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 ₹27 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹24,43,452 | ₹23,36,452 |
| Income tax and cess, a year | ₹3,25,560 | ₹5,33,970 |
| Income tax, a month | ₹27,130 | ₹44,498 |
| In hand, a month | ₹1,71,741 | ₹1,54,374 |
The new regime, by ₹2,08,410 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 ₹7,97,575.
Your own deductions
Questions people ask about a ₹27 lakh salary
What is the in-hand salary on a ₹27 lakh CTC?
About ₹1,71,741 a month under the new regime: ₹2,09,871 of gross pay, less ₹10,800 PF, ₹200 professional tax and ₹27,130 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 ₹27 lakh salary?
₹3,25,560 a year in the new regime (₹27,130 a month, 12.1% of the CTC), and ₹5,33,970 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 ₹27 lakh?
The new regime, by ₹2,08,410 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 ₹7,97,575.
Other salaries: ₹24 lakh · ₹25 lakh · ₹26 lakh · ₹28 lakh · ₹29 lakh · ₹30 lakh · every salary from ₹3 lakh to ₹2 crore
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