Tax year: FY 2026-27 · Last updated: 3 Nov 2026
Short answer
A ₹30 lakh CTC is about ₹2,03,794 a month in hand under the new regime (82% of CTC), or ₹1,83,621 under the old regime with no deductions.
₹30 lakh CTC: the short answer
On a ₹30 lakh CTC, your gross salary is about ₹2,43,390 a month. After employee PF and professional tax, and income tax under the new regime, you take home about ₹2,03,794 a month, which is 82% of your CTC.
Who earns this and what to expect
₹30 lakh is a leadership-level or top-of-market specialist package, where tax becomes the largest single deduction.
Tax at ₹30 lakh
Most of the income falls in the 25% and 30% slabs. The old regime rarely overtakes the new one here because deductions are capped while slab savings are not. Surcharge applies above ₹50 lakh of income, which is outside what this page models.
With no deductions entered, the new regime leaves about ₹20,173 more in hand each month.
- ₹2,03,794
- New regime, in hand a month
- ₹1,83,621
- Old regime, in hand a month
- ₹4,51,052
- Tax + cess a year (new)
Full breakdown
- ₹2,43,390
- Gross a month
- ₹37,588
- Tax + cess a month (new)
- ₹2,03,794
- In-hand a month (new)
| Item | Monthly | Yearly |
|---|---|---|
| Basic (40% of CTC) | ₹1,00,000 | ₹12,00,000 |
| HRA (50% of basic, metro) | ₹50,000 | ₹6,00,000 |
| Special allowance | ₹93,390 | ₹11,20,680 |
| Gross salary | ₹2,43,390 | ₹29,20,680 |
| Employee PF | ₹1,800 | ₹21,600 |
| Professional tax (Maharashtra) | ₹208 | ₹2,500 |
| Income tax + cess, new regime | ₹37,588 | ₹4,51,052 |
| In-hand, new regime | ₹2,03,794 | ₹24,45,528 |
| Income tax + cess, old regime (no deductions) | ₹57,761 | ₹6,93,133 |
| In-hand, old regime (no deductions) | ₹1,83,621 | ₹22,03,447 |
How this compares with nearby salaries
Of every ₹100 of CTC, about ₹82 reaches you in the new regime. The rest goes to employer contributions, PF, professional tax and income tax.
A tip for this salary level
At this level, employer NPS (up to 14% of basic in the new regime) is one of the few ways to lower taxable income without changing your regime. Ask HR whether it can be part of your CTC.
Other salary levels
Frequently asked questions
What is the in-hand salary for ₹30 lakh CTC per month?
Under the new tax regime with default assumptions (basic 40% of CTC, PF capped at ₹15,000 of wages, gratuity included, Maharashtra professional tax) the monthly in-hand salary for a ₹30 lakh CTC is about ₹2,03,794. Under the old regime with no deductions it is about ₹1,83,621.
How much income tax do I pay on ₹30 lakh CTC?
Under the new regime the estimated income tax including cess is about ₹4,51,052 a year (₹37,588 a month). Under the old regime with no deductions it is about ₹6,93,133 a year.
What is the gross salary for ₹30 lakh CTC?
Gross salary is CTC minus employer PF (₹21,600) and gratuity (₹57,720), which is ₹29,20,680 a year or ₹2,43,390 a month.
Will my in-hand salary change if my company has a different salary structure?
Yes. The figures use common default assumptions. Moving the basic percentage, PF basis, state or variable pay changes the result, so use the calculator above with your own numbers.
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Calculators
Estimates only. This calculator is not tax advice, and your employer's payslip is the final word. Read the full disclaimer.