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)
₹45 lakh salary: ₹2,60,802 in hand a month
On a CTC of ₹45,00,000 you take home about ₹2,60,802 a month (₹31,29,620 a year) under the new regime, after ₹18,000 PF, ₹200 professional tax and ₹70,783 income tax a month. The new regime saves ₹2,02,050 a year, unless your old-regime deductions add up to more than ₹7,97,569.
Every salary · ₹32 lakh · ₹35 lakh · ₹40 lakh · ₹50 lakh · ₹60 lakh · ₹70 lakh
The ₹45 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹18,00,000 | ₹1,50,000 |
| HRA | ₹9,00,000 | ₹75,000 |
| Special allowance | ₹14,97,420 | ₹1,24,785 |
| Gross pay | ₹41,97,420 | ₹3,49,785 |
| Employer PF (in the CTC, not paid to you) | ₹2,16,000 | ₹18,000 |
| Gratuity (in the CTC, paid when you leave) | ₹86,580 | ₹7,215 |
| Your PF (12% of Basic) | −₹2,16,000 | −₹18,000 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹8,49,400 | −₹70,783 |
| In hand | ₹31,29,620 | ₹2,60,802 |
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 ₹45 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹41,22,420 | ₹39,95,020 |
| Income tax and cess, a year | ₹8,49,400 | ₹10,51,450 |
| Income tax, a month | ₹70,783 | ₹87,621 |
| In hand, a month | ₹2,60,802 | ₹2,43,964 |
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 ₹7,97,569.
Your own deductions
Questions people ask about a ₹45 lakh salary
What is the in-hand salary on a ₹45 lakh CTC?
About ₹2,60,802 a month under the new regime: ₹3,49,785 of gross pay, less ₹18,000 PF, ₹200 professional tax and ₹70,783 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 ₹45 lakh salary?
₹8,49,400 a year in the new regime (₹70,783 a month, 18.9% of the CTC), and ₹10,51,450 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 ₹45 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 ₹7,97,569.
Other salaries: ₹32 lakh · ₹35 lakh · ₹40 lakh · ₹50 lakh · ₹60 lakh · ₹70 lakh · every salary from ₹3 lakh to ₹2 crore
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