Quick Answer
₹30,000 monthly CTC = ~₹27,000 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 ₹3,24,000 in hand (3.24 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 (60% of CTC) | 18,000 | 2,16,000 |
| HRA (40% of basic) | 7,200 | 86,400 |
| Special allowance | 2,640 | 31,680 |
| Gross Salary | 27,840 | 3,34,080 |
| Employer PF (12% of basic, capped) | 2,160 | 25,920 |
| Total CTC | 30,000 | 3,60,000 |
| Less: Employee PF | - 2,160 | - 25,920 |
| Less: Professional tax | - 200 | - 2,400 |
| Less: Income tax | - 0 | - 0 |
| In-Hand Salary | 25,480 | 3,05,760 |
Note: At ₹18,000 basic, PF is calculated on full basic (not the ₹15,000 statutory cap if your employer chooses), making PF deduction higher. If your employer applies the ₹15,000 cap (common in many private companies), PF is ₹1,800 and in-hand jumps to ₹25,840/month.
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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