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)
₹35 lakh salary: ₹2,11,324 in hand a month
On a CTC of ₹35,00,000 you take home about ₹2,11,324 a month (₹25,35,890 a year) under the new regime, after ₹14,000 PF, ₹200 professional tax and ₹46,531 income tax a month. The new regime saves ₹2,02,060 a year, unless your old-regime deductions add up to more than ₹7,97,597.
Every salary · ₹29 lakh · ₹30 lakh · ₹32 lakh · ₹40 lakh · ₹45 lakh · ₹50 lakh
The ₹35 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹14,00,000 | ₹1,16,667 |
| HRA | ₹7,00,000 | ₹58,333 |
| Special allowance | ₹11,64,660 | ₹97,055 |
| Gross pay | ₹32,64,660 | ₹2,72,055 |
| Employer PF (in the CTC, not paid to you) | ₹1,68,000 | ₹14,000 |
| Gratuity (in the CTC, paid when you leave) | ₹67,340 | ₹5,612 |
| Your PF (12% of Basic) | −₹1,68,000 | −₹14,000 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹5,58,370 | −₹46,531 |
| In hand | ₹25,35,890 | ₹2,11,324 |
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 ₹35 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹31,89,660 | ₹30,62,260 |
| Income tax and cess, a year | ₹5,58,370 | ₹7,60,430 |
| Income tax, a month | ₹46,531 | ₹63,369 |
| In hand, a month | ₹2,11,324 | ₹1,94,486 |
The new regime, by ₹2,02,060 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 ₹7,97,597.
Your own deductions
Questions people ask about a ₹35 lakh salary
What is the in-hand salary on a ₹35 lakh CTC?
About ₹2,11,324 a month under the new regime: ₹2,72,055 of gross pay, less ₹14,000 PF, ₹200 professional tax and ₹46,531 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 ₹35 lakh salary?
₹5,58,370 a year in the new regime (₹46,531 a month, 16.0% of the CTC), and ₹7,60,430 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 ₹35 lakh?
The new regime, by ₹2,02,060 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 ₹7,97,597.
Other salaries: ₹29 lakh · ₹30 lakh · ₹32 lakh · ₹40 lakh · ₹45 lakh · ₹50 lakh · every salary from ₹3 lakh to ₹2 crore
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