₹25 LPA in-hand salary
Rules for FY 2026-27 · Checked 24 October 2026
On a ₹25 lakh CTC you take home about ₹1,72,664 a month in the new tax regime. That is after ₹3,000 PF, ₹200 professional tax and ₹24,459 income tax each month. In the old regime with no deductions it would be ₹1,53,170.
- In hand a month₹1,72,664New regime
- Take-home a year₹20.72L83% of CTC
- Income tax a month₹24,459₹2.94L a year
- PF a month₹6,000You + employer
Monthly salary slip for ₹25 LPA
| Each month | New regime | Old regime |
|---|---|---|
| Basic pay | ₹1,04,167 | ₹1,04,167 |
| HRA and other allowances | ₹96,156 | ₹96,156 |
| Your PF | − ₹3,000 | − ₹3,000 |
| Professional tax | − ₹200 | − ₹200 |
| Income tax (TDS) | − ₹24,459 | − ₹43,953 |
| In hand | ₹1,72,664 | ₹1,53,170 |
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 ₹25 lakh salary and the old vs new regime guide.
Where the ₹25 lakh goes in a year
- CTC
- ₹25,00,000
- Employer PF
- − ₹36,000
- Gratuity (paid when you leave)
- − ₹60,125
- Gross salary
- ₹24,03,875
- Your PF
- − ₹36,000
- Professional tax
- − ₹2,400
- Income tax (new regime)
- − ₹2,93,510
- Take-home for the year
- ₹20,71,965
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.
- ₹20,71,965 a year reaches your bank account: 83% of your CTC.
- Your PF grows by ₹6,000 a month, counting your employer's share.
- Income tax takes ₹24,459 a month.
- Take-home pay₹20,71,965
- Income tax₹2,93,510
- PF (yours + employer)₹72,000
- Gratuity and professional tax₹62,525
Monthly pay slip
- Basic
- ₹1,04,167
- HRA and other allowances
- ₹96,156
- Your PF
- − ₹3,000
- Professional tax
- − ₹200
- Income tax (TDS)
- − ₹24,459
- In hand
- ₹1,72,664
Where your CTC goes in a year
- CTC
- ₹25,00,000
- Employer PF
- − ₹36,000
- Gratuity
- − ₹60,125
- Gross salary
- ₹24,03,875
- Your PF
- − ₹36,000
- Professional tax
- − ₹2,400
- Income tax
- − ₹2,93,510
- Take-home for the year
- ₹20,71,965
Frequently asked questions
What is the monthly in-hand salary for 25 LPA?
About ₹1,72,664 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 ₹1,53,170.
How much income tax is deducted on 25 LPA?
About ₹2,93,510 a year, or ₹24,459 a month, in the new regime. The gross salary after employer PF and gratuity is ₹24,03,875.
How much PF is deducted on 25 LPA?
₹3,000 a month from your pay, and the same again from your employer, part of which goes to your pension.