Exact take-home from a ₹5 LPA package after all statutory deductions. FY2026-27, new tax regime.
Monthly in-hand salary
₹36,865
After PF · TDS · Professional tax · New regime · FY2026-27
Monthly gross: ₹38,865 · Annual CTC: ₹5,00,000
Basic salary
₹20,833
50% of CTC · monthly
HRA
₹10,416
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
₹20,833
₹2,49,996
HRA
₹10,416
₹1,24,992
Special allowance
₹7,616
₹91,392
Gross monthly salary
₹38,865
₹4,66,380
− Employee PF
−₹1,800
−₹21,600
− Income tax (TDS)
−₹0
−₹0
− Professional tax
−₹200
−₹2,400
✓ Monthly in-hand
₹36,865
₹4,42,380
Key Notes for ₹5 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: 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.
Want the exact number for your salary?
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.
Get your personalised in-hand calculation
Enter your exact CTC, basic %, city and tax regime for a precise breakdown.