Exact take-home from a ₹15 LPA package after all statutory deductions. FY2024-25, new tax regime.
Monthly in-hand salary
₹1,08,836
After PF · TDS · Professional tax · New regime · FY2024-25
Monthly gross: ₹1,20,795 · Annual CTC: ₹15,00,000
Basic salary
₹50,000
40% of CTC · monthly
HRA
₹25,000
50% of basic · monthly
Employee PF
−₹1,800
12% of basic (max ₹1,800)
Income tax (TDS)
−₹9,959
New regime · 8.2% effective
Complete monthly breakdown — ₹15 LPA
Component
Monthly
Annual
Basic salary
₹50,000
₹6,00,000
HRA
₹25,000
₹3,00,000
Special allowance
₹45,795
₹5,49,540
Gross monthly salary
₹1,20,795
₹14,49,540
− Employee PF
−₹1,800
−₹21,600
− Income tax (TDS)
−₹9,959
−₹1,19,504
− Professional tax
−₹200
−₹2,400
✓ Monthly in-hand
₹1,08,836
₹13,06,032
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Key Notes for ₹15 LPA CTC
Salary structure assumed: 40% basic, 50% HRA of basic. Your actual structure may differ.
Tax is under the new regime FY2024-25 with ₹75,000 standard deduction and 4% cess. Effective tax rate: 8.2%.
PF is capped at ₹15,000 wage ceiling — so maximum employee PF is ₹1,800/month regardless of basic.
If you pay rent and declare HRA exemption, TDS reduces further. Use the Tax Regime Picker to compare.
Variable pay and annual bonuses are not included — they are taxed when paid.
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This page uses a standard salary structure. Your actual in-hand depends on your employer's PF policy, whether gratuity is in CTC, city, HRA rent declaration and which tax regime you choose.
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