Exact take-home from a ₹40 LPA package after all statutory deductions. FY2026-27, new tax regime.
Monthly in-hand salary
₹2,58,929
After PF · TDS · Professional tax · New regime · FY2026-27
Monthly gross: ₹3,23,516 · Annual CTC: ₹40,00,000
Basic salary
₹1,66,667
50% of CTC · monthly
HRA
₹83,334
50% of basic · monthly
Employee PF
−₹1,800
12% of basic (max ₹1,800)
Income tax (TDS)
−₹62,587
New regime · 19.3% effective
Complete monthly breakdown — ₹40 LPA
Component
Monthly
Annual
Basic salary
₹1,66,667
₹20,00,004
HRA
₹83,334
₹10,00,008
Special allowance
₹73,515
₹8,82,180
Gross monthly salary
₹3,23,516
₹38,82,192
− Employee PF
−₹1,800
−₹21,600
− Income tax (TDS)
−₹62,587
−₹7,51,045
− Professional tax
−₹200
−₹2,400
✓ Monthly in-hand
₹2,58,929
₹31,07,148
Key Notes for ₹40 LPA CTC
Salary structure assumed: 50% basic, 50% HRA of basic. Your actual structure may differ.
Tax is under the new regime FY2026-27 with ₹75,000 standard deduction and 4% cess. Effective tax rate: 19.3%.
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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