Exact take-home from a ₹5 LPA package after all statutory deductions. FY2024-25, new tax regime.
Monthly in-hand salary
₹37,065
After PF · TDS · Professional tax · New regime · FY2024-25
Monthly gross: ₹39,065 · Annual CTC: ₹5,00,000
Basic salary
₹16,667
40% of CTC · monthly
HRA
₹8,334
50% of basic · monthly
Employee PF
−₹1,800
12% of basic (max ₹1,800)
Income tax (TDS)
−₹0
New regime · 0.0% effective
Complete monthly breakdown — ₹5 LPA
Component
Monthly
Annual
Basic salary
₹16,667
₹2,00,004
HRA
₹8,334
₹1,00,008
Special allowance
₹14,064
₹1,68,768
Gross monthly salary
₹39,065
₹4,68,780
− Employee PF
−₹1,800
−₹21,600
− Income tax (TDS)
−₹0
−₹0
− Professional tax
−₹200
−₹2,400
✓ Monthly in-hand
₹37,065
₹4,44,780
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Key Notes for ₹5 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: 0.0%.
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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