With a ₹18 Lakh annual CTC, your monthly take-home is 122,045 under the New Tax Regime (FY 2025-26). Annual tax: ₹1.26 L. Take-home is 0.8% of CTC.
MONTHLY TAKE-HOME
₹1,22,045
₹18 Lakh CTC · 0.8% take-home · Annual: ₹14.65 L
| Component | Monthly | Annual |
|---|---|---|
| CTC COMPONENTS | ||
| Basic Salary | ₹60,000 | ₹7,20,000 |
| HRA | ₹30,000 | ₹3,60,000 |
| Special Allowance | ₹49,914 | ₹5,98,968 |
| PF (Employer) — not in hand | ₹7,200 | ₹86,400 |
| Gratuity (accrual) — not in hand | ₹2,886 | ₹34,632 |
| Gross Salary (taxable) | ₹1,39,914 | ₹16,78,968 |
| DEDUCTIONS | ||
| PF — Employee contribution | − ₹7,200 | − ₹86,400 |
| Professional Tax | − ₹200 | − ₹2,400 |
| Income Tax (TDS / month) | − ₹10,469 | − ₹1,25,628 |
| TAKE-HOME (NET) | ₹1,22,045 | ₹14.65 L |
ANNUAL TAX
₹1.26 L
TAXABLE INCOME
₹16.04 L
EFFECTIVE RATE
7.5%
TAKE-HOME OF CTC
0.8%
Income tax ₹1.26 L / year — TDS 10,469 / month
Taxable income ₹16.04 L exceeds ₹12L — 87A rebate not available.
| Scenario | Gross/mo | Tax/yr | Net/mo | Annual Net | % of CTC |
|---|---|---|---|---|---|
| New Regime Metro | ₹139,914 | ₹1.26 L | ₹122,045 | ₹14.65 L | 0.8% |
| Old Regime Metro | ₹139,914 | ₹3.13 L | ₹106,411 | ₹12.77 L | 0.7% |
| New Regime Non-Metro | ₹139,914 | ₹1.26 L | ₹122,045 | ₹14.65 L | 0.8% |
| New Regime PF Capped ★ | ₹145,314 | ₹1.39 L | ₹131,722 | ₹15.81 L | 0.9% |
Basic 40% of CTC · FY 2025-26 · Approximate · ★ = highest take-home
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Take-Home for ₹18 Lakh CTC · FY 2025-26 · Basic 40% of CTC · New & Old Regime · Approximate · For informational purposes only