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)
₹9 lakh salary: ₹66,157 in hand a month
On a CTC of ₹9,00,000 you take home about ₹66,157 a month (₹7,93,884 a year) under the new regime, after ₹3,600 PF, ₹200 professional tax and ₹0 income tax a month. The new regime saves ₹63,730 a year, unless your old-regime deductions add up to more than ₹2,87,084.
Every salary · ₹6 lakh · ₹7 lakh · ₹8 lakh · ₹10 lakh · ₹11 lakh · ₹12 lakh
The ₹9 lakh CTC, month by month
| A year | A month | |
|---|---|---|
| Basic | ₹3,60,000 | ₹30,000 |
| HRA | ₹1,80,000 | ₹15,000 |
| Special allowance | ₹2,99,484 | ₹24,957 |
| Gross pay | ₹8,39,484 | ₹69,957 |
| Employer PF (in the CTC, not paid to you) | ₹43,200 | ₹3,600 |
| Gratuity (in the CTC, paid when you leave) | ₹17,316 | ₹1,443 |
| Your PF (12% of Basic) | −₹43,200 | −₹3,600 |
| Professional tax | −₹2,400 | −₹200 |
| Income tax, new regime | ₹0 | ₹0 |
| In hand | ₹7,93,884 | ₹66,157 |
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 ₹9 lakh
| New regime | Old regime | |
|---|---|---|
| Taxable income | ₹7,64,484 | ₹7,43,884 |
| Income tax and cess, a year | ₹0 | ₹63,730 |
| Income tax, a month | ₹0 | ₹5,311 |
| In hand, a month | ₹66,157 | ₹60,846 |
The new regime, by ₹63,730 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 ₹2,87,084.
Your own deductions
Questions people ask about a ₹9 lakh salary
What is the in-hand salary on a ₹9 lakh CTC?
About ₹66,157 a month under the new regime: ₹69,957 of gross pay, less ₹3,600 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 ₹9 lakh salary?
₹0 a year in the new regime (₹0 a month, 0.0% of the CTC), and ₹63,730 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 ₹9 lakh?
The new regime, by ₹63,730 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 ₹2,87,084.
Why is there no tax at ₹9 lakh in the new regime?
Taxable income works out to ₹7,64,484 after the ₹75,000 standard deduction. Up to ₹12,00,000 of taxable income, the rebate (section 156 of the Income-tax Act 2025, formerly 87A) cancels the tax in the new regime.
Other salaries: ₹6 lakh · ₹7 lakh · ₹8 lakh · ₹10 lakh · ₹11 lakh · ₹12 lakh · every salary from ₹3 lakh to ₹2 crore
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