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)
₹50 lakh salary: ₹2,85,541 in hand a month
On a CTC of ₹50,00,000 you take home about ₹2,85,541 a month (₹34,26,490 a year) under the new regime, after ₹20,000 PF, ₹200 professional tax and ₹82,909 income tax a month. The new regime saves ₹2,02,050 a year, unless your old-regime deductions add up to more than ₹7,97,570.
Every salary · ₹35 lakh · ₹40 lakh · ₹45 lakh · ₹60 lakh · ₹70 lakh · ₹75 lakh
The ₹50 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹20,00,000 | ₹1,66,667 |
| HRA | ₹10,00,000 | ₹83,333 |
| Special allowance | ₹16,63,800 | ₹1,38,650 |
| Gross pay | ₹46,63,800 | ₹3,88,650 |
| Employer PF (in the CTC, not paid to you) | ₹2,40,000 | ₹20,000 |
| Gratuity (in the CTC, paid when you leave) | ₹96,200 | ₹8,017 |
| Your PF (12% of Basic) | −₹2,40,000 | −₹20,000 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹9,94,910 | −₹82,909 |
| In hand | ₹34,26,490 | ₹2,85,541 |
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 ₹50 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹45,88,800 | ₹44,61,400 |
| Income tax and cess, a year | ₹9,94,910 | ₹11,96,960 |
| Income tax, a month | ₹82,909 | ₹99,747 |
| In hand, a month | ₹2,85,541 | ₹2,68,703 |
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 ₹7,97,570.
Your own deductions
Questions people ask about a ₹50 lakh salary
What is the in-hand salary on a ₹50 lakh CTC?
About ₹2,85,541 a month under the new regime: ₹3,88,650 of gross pay, less ₹20,000 PF, ₹200 professional tax and ₹82,909 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 ₹50 lakh salary?
₹9,94,910 a year in the new regime (₹82,909 a month, 19.9% of the CTC), and ₹11,96,960 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 ₹50 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 ₹7,97,570.
Other salaries: ₹35 lakh · ₹40 lakh · ₹45 lakh · ₹60 lakh · ₹70 lakh · ₹75 lakh · every salary from ₹3 lakh to ₹2 crore
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