₹14 LPA in-hand salary
Rules for FY 2026-27 · Checked 24 October 2026
On a ₹14 lakh CTC you take home about ₹1,02,866 a month in the new tax regime. That is after ₹3,000 PF, ₹200 professional tax and ₹4,795 income tax each month. In the old regime with no deductions it would be ₹91,621.
- In hand a month₹1,02,866New regime
- Take-home a year₹12.34L88% of CTC
- Income tax a month₹4,795₹57.5k a year
- PF a month₹6,000You + employer
Monthly salary slip for ₹14 LPA
| Each month | New regime | Old regime |
|---|---|---|
| Basic pay | ₹58,333 | ₹58,333 |
| HRA and other allowances | ₹52,528 | ₹52,528 |
| Your PF | − ₹3,000 | − ₹3,000 |
| Professional tax | − ₹200 | − ₹200 |
| Income tax (TDS) | − ₹4,795 | − ₹16,040 |
| In hand | ₹1,02,866 | ₹91,621 |
The old regime figure assumes no HRA exemption or investments. With rent and 80C claims it can come out higher; see income tax on a ₹14 lakh salary and the old vs new regime guide.
Where the ₹14 lakh goes in a year
- CTC
- ₹14,00,000
- Employer PF
- − ₹36,000
- Gratuity (paid when you leave)
- − ₹33,670
- Gross salary
- ₹13,30,330
- Your PF
- − ₹36,000
- Professional tax
- − ₹2,400
- Income tax (new regime)
- − ₹57,540
- Take-home for the year
- ₹12,34,390
Compared with nearby salaries
Change the assumptions
These figures assume basic pay at 50% of CTC, PF on basic up to the ₹25,000 wage ceiling, gratuity inside the CTC, ₹2,400 professional tax and no bonus. Adjust any of them here:
Under the new regime, after PF, professional tax and income tax.
- ₹12,34,390 a year reaches your bank account: 88% of your CTC.
- Your PF grows by ₹6,000 a month, counting your employer's share.
- Income tax takes ₹4,795 a month.
- Take-home pay₹12,34,390
- Income tax₹57,540
- PF (yours + employer)₹72,000
- Gratuity and professional tax₹36,070
Monthly pay slip
- Basic
- ₹58,333
- HRA and other allowances
- ₹52,528
- Your PF
- − ₹3,000
- Professional tax
- − ₹200
- Income tax (TDS)
- − ₹4,795
- In hand
- ₹1,02,866
Where your CTC goes in a year
- CTC
- ₹14,00,000
- Employer PF
- − ₹36,000
- Gratuity
- − ₹33,670
- Gross salary
- ₹13,30,330
- Your PF
- − ₹36,000
- Professional tax
- − ₹2,400
- Income tax
- − ₹57,540
- Take-home for the year
- ₹12,34,390
Frequently asked questions
What is the monthly in-hand salary for 14 LPA?
About ₹1,02,866 a month in the new tax regime for FY 2026-27, assuming basic pay is half the CTC, PF stops at the ₹25,000 wage ceiling and gratuity is part of the CTC. In the old regime with no deductions it is about ₹91,621.
How much income tax is deducted on 14 LPA?
About ₹57,540 a year, or ₹4,795 a month, in the new regime. The gross salary after employer PF and gratuity is ₹13,30,330.
How much PF is deducted on 14 LPA?
₹3,000 a month from your pay, and the same again from your employer, part of which goes to your pension.