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)
₹3 lakh salary: ₹21,919 in hand a month
On a CTC of ₹3,00,000 you take home about ₹21,919 a month (₹2,63,028 a year) under the new regime, after ₹1,200 PF, ₹200 professional tax and ₹0 income tax a month. There is no income tax at ₹3 lakh in either regime.
Every salary · ₹4 lakh · ₹5 lakh · ₹6 lakh
The ₹3 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹1,20,000 | ₹10,000 |
| HRA | ₹60,000 | ₹5,000 |
| Special allowance | ₹99,828 | ₹8,319 |
| Gross pay | ₹2,79,828 | ₹23,319 |
| Employer PF (in the CTC, not paid to you) | ₹14,400 | ₹1,200 |
| Gratuity (in the CTC, paid when you leave) | ₹5,772 | ₹481 |
| Your PF (12% of Basic) | −₹14,400 | −₹1,200 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | ₹0 | ₹0 |
| In hand | ₹2,63,028 | ₹21,919 |
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 ₹3 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹2,04,828 | ₹2,13,028 |
| Income tax and cess, a year | ₹0 | ₹0 |
| Income tax, a month | ₹0 | ₹0 |
| In hand, a month | ₹21,919 | ₹21,919 |
Neither costs anything at this income, so the choice does not matter.
Your own deductions
Questions people ask about a ₹3 lakh salary
What is the in-hand salary on a ₹3 lakh CTC?
About ₹21,919 a month under the new regime: ₹23,319 of gross pay, less ₹1,200 PF, ₹200 professional tax and ₹0 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 ₹3 lakh salary?
None in either regime at this income.
Is the old or the new tax regime better for ₹3 lakh?
Neither costs anything at this income, so the choice does not matter.
Other salaries: ₹4 lakh · ₹5 lakh · ₹6 lakh · every salary from ₹3 lakh to ₹2 crore
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