Quick Answer
₹30,000 monthly CTC = ~₹26,343 per month in hand (after employee PF ~₹2,160 + professional tax ₹200 + employer PF reflected in gross of ~₹650).
Annual: ₹3,60,000 CTC = approximately ₹3,16,114 in hand (3.16 LPA take-home). Income tax: ₹0 - covered by Section 87A rebate under both old and new tax regimes.
₹30,000 CTC Monthly Breakdown
| Component | Monthly (₹) | Annual (₹) |
|---|---|---|
| Basic salary (40% of CTC) | 12,000 | 1,44,000 |
| HRA (50% of basic, metro) | 6,000 | 72,000 |
| Special allowance | 9,983 | 1,19,794 |
| Gross Salary | 27,983 | 3,35,794 |
| Employer PF (12% of basic) | 1,440 | 17,280 |
| Gratuity (4.81% of basic) | 577 | 6,926 |
| Total CTC | 30,000 | 3,60,000 |
| Less: Employee PF | - 1,440 | - 17,280 |
| Less: Professional tax | - 200 | - 2,400 |
| Less: Income tax | - 0 | - 0 |
| In-Hand Salary | 26,343 | 3,16,114 |
Note: This uses a standard 40% basic (₹12,000/month), so PF is 12% of full basic (₹1,440/month) — below the ₹15,000 statutory cap, so the cap does not change anything here. Companies that set a higher basic deduct more PF and show a slightly lower monthly in-hand.
Why Zero Income Tax at 3.6 LPA
- New Tax Regime: Gross ₹3.34L - standard deduction ₹75k = ₹2.59L taxable. Way below ₹12L 87A rebate threshold. Tax: ₹0.
- Old Tax Regime: Gross ₹3.34L - standard deduction ₹50k = ₹2.84L taxable. Above ₹2.5L basic exemption by ₹34k. Tax at 5% = ₹1,700. But 87A rebate covers tax up to ₹12,500 (for taxable income up to ₹5L). Final tax: ₹0.
The new regime is slightly more cash-efficient here due to ₹25k more standard deduction. Default to new regime unless you have HRA exemption claimable on old regime above this gap.
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