Tax year: FY 2026-27 · Last updated: 3 Nov 2026
Short answer
A ₹5 lakh CTC is about ₹37,057 a month in hand under the new regime (89% of CTC), or ₹37,057 under the old regime with no deductions.
₹5 lakh CTC: the short answer
On a ₹5 lakh CTC, your gross salary is about ₹39,065 a month. After employee PF and professional tax, and income tax under the new regime, you take home about ₹37,057 a month, which is 89% of your CTC.
Who earns this and what to expect
A ₹5 lakh CTC is typical for a first job in a smaller city, a support role or a contract position. At this level the question is less about tax and more about how much of the package reaches you as cash each month.
Tax at ₹5 lakh
Income tax is nil under both regimes, so the whole gap between CTC and take-home comes from employer PF, gratuity, your own PF and professional tax. Because the PF contribution is a bigger share of a small salary, the PF basis you choose (capped or actual) matters more than the tax regime.
At this CTC both regimes leave you with almost the same take-home, so the choice makes little difference unless you have large deductions.
- ₹37,057
- New regime, in hand a month
- ₹37,057
- Old regime, in hand a month
- ₹0
- Tax + cess a year (new)
Full breakdown
- ₹39,065
- Gross a month
- ₹0
- Tax + cess a month (new)
- ₹37,057
- In-hand a month (new)
| Item | Monthly | Yearly |
|---|---|---|
| Basic (40% of CTC) | ₹16,667 | ₹2,00,000 |
| HRA (50% of basic, metro) | ₹8,333 | ₹1,00,000 |
| Special allowance | ₹14,065 | ₹1,68,780 |
| Gross salary | ₹39,065 | ₹4,68,780 |
| Employee PF | ₹1,800 | ₹21,600 |
| Professional tax (Maharashtra) | ₹208 | ₹2,500 |
| Income tax + cess, new regime | ₹0 | ₹0 |
| In-hand, new regime | ₹37,057 | ₹4,44,680 |
| Income tax + cess, old regime (no deductions) | ₹0 | ₹0 |
| In-hand, old regime (no deductions) | ₹37,057 | ₹4,44,680 |
How this compares with nearby salaries
Of every ₹100 of CTC, about ₹89 reaches you in the new regime. The rest goes to employer contributions, PF, professional tax and income tax.
A tip for this salary level
Ask whether PF is on the ₹15,000 wage ceiling. If it is on full basic, you can gain a few hundred rupees a month by having the employer cap it, though your retirement savings will grow more slowly.
Other salary levels
Frequently asked questions
What is the in-hand salary for ₹5 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 ₹5 lakh CTC is about ₹37,057. Under the old regime with no deductions it is about ₹37,057.
How much income tax do I pay on ₹5 lakh CTC?
Under the new regime you pay no income tax on this CTC because the taxable income is within the rebate limit. Under the old regime, with no deductions, tax would be about ₹0 a year including cess.
What is the gross salary for ₹5 lakh CTC?
Gross salary is CTC minus employer PF (₹21,600) and gratuity (₹9,620), which is ₹4,68,780 a year or ₹39,065 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.