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Provision-by-provision reference (what each regime allows)
₹70 lakh salary: ₹3,90,118 in hand a month
On a CTC of ₹70,00,000 you take home about ₹3,90,118 a month (₹46,81,420 a year) under the new regime, after ₹35,000 PF, ₹200 professional tax and ₹1,58,015 income tax a month. The new regime saves ₹2,22,260 a year, unless your old-regime deductions add up to more than ₹7,97,586.
Every salary · ₹45 lakh · ₹50 lakh · ₹60 lakh · ₹75 lakh · ₹80 lakh · ₹90 lakh
The ₹70 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹35,00,000 | ₹2,91,667 |
| HRA | ₹17,50,000 | ₹1,45,833 |
| Special allowance | ₹17,50,000 | ₹1,45,833 |
| Gross pay | ₹70,00,000 | ₹5,83,333 |
| Employer PF (in the CTC, not paid to you) | ₹0 | ₹0 |
| Gratuity (in the CTC, paid when you leave) | ₹0 | ₹0 |
| Your PF (12% of Basic) | −₹4,20,000 | −₹35,000 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | −₹18,96,180 | −₹1,58,015 |
| In hand | ₹46,81,420 | ₹3,90,118 |
Basic at 50% of the CTC, HRA half of Basic, employer PF and gratuity on top of the CTC, ₹2,400 professional tax, age under 60. Change any of it below or in your payslip on the Tax & salary page.
Old vs new regime at ₹70 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹69,25,000 | ₹67,97,600 |
| Income tax and cess, a year | ₹18,96,180 | ₹21,18,440 |
| Income tax, a month | ₹1,58,015 | ₹1,76,537 |
| In hand, a month | ₹3,90,118 | ₹3,71,597 |
The new regime, by ₹2,22,260 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 ₹7,97,586.
Your own deductions
Questions people ask about a ₹70 lakh salary
What is the in-hand salary on a ₹70 lakh CTC?
About ₹3,90,118 a month under the new regime: ₹5,83,333 of gross pay, less ₹35,000 PF, ₹200 professional tax and ₹1,58,015 income tax. That assumes Basic at 50% of the CTC, with employer PF and gratuity paid on top of the CTC; your own 12% PF comes off your pay. A larger Basic means more PF and a little less in hand.
How much income tax is paid on a ₹70 lakh salary?
₹18,96,180 a year in the new regime (₹1,58,015 a month, 27.1% of the CTC), and ₹21,18,440 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 ₹70 lakh?
The new regime, by ₹2,22,260 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 ₹7,97,586.
Other salaries: ₹45 lakh · ₹50 lakh · ₹60 lakh · ₹75 lakh · ₹80 lakh · ₹90 lakh · every salary from ₹3 lakh to ₹2 crore
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