₹3 LPA in-hand salary
Rules for FY 2026-27 · Checked 24 October 2026
On a ₹3 lakh CTC you take home about ₹21,199 a month in the new tax regime. That is after ₹1,500 PF, ₹200 professional tax and ₹0 income tax each month. In the old regime with no deductions it would be ₹21,199.
- In hand a month₹21,199New regime
- Take-home a year₹2.54L85% of CTC
- Income tax a month₹0Rebate cancels it
- PF a month₹3,000You + employer
Monthly salary slip for ₹3 LPA
| Each month | New regime | Old regime |
|---|---|---|
| Basic pay | ₹12,500 | ₹12,500 |
| HRA and other allowances | ₹10,399 | ₹10,399 |
| Your PF | − ₹1,500 | − ₹1,500 |
| Professional tax | − ₹200 | − ₹200 |
| Income tax (TDS) | − ₹0 | − ₹0 |
| In hand | ₹21,199 | ₹21,199 |
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 ₹3 lakh salary and the old vs new regime guide.
Where the ₹3 lakh goes in a year
- CTC
- ₹3,00,000
- Employer PF
- − ₹18,000
- Gratuity (paid when you leave)
- − ₹7,215
- Gross salary
- ₹2,74,785
- Your PF
- − ₹18,000
- Professional tax
- − ₹2,400
- Income tax (new regime)
- ₹0
- Take-home for the year
- ₹2,54,385
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.
- ₹2,54,385 a year reaches your bank account: 85% of your CTC.
- Your PF grows by ₹3,000 a month, counting your employer's share.
- You pay no income tax at this salary in the new regime.
- Take-home pay₹2,54,385
- Income tax₹0
- PF (yours + employer)₹36,000
- Gratuity and professional tax₹9,615
Monthly pay slip
- Basic
- ₹12,500
- HRA and other allowances
- ₹10,399
- Your PF
- − ₹1,500
- Professional tax
- − ₹200
- Income tax (TDS)
- ₹0
- In hand
- ₹21,199
Where your CTC goes in a year
- CTC
- ₹3,00,000
- Employer PF
- − ₹18,000
- Gratuity
- − ₹7,215
- Gross salary
- ₹2,74,785
- Your PF
- − ₹18,000
- Professional tax
- − ₹2,400
- Income tax
- ₹0
- Take-home for the year
- ₹2,54,385
Frequently asked questions
What is the monthly in-hand salary for 3 LPA?
About ₹21,199 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 ₹21,199.
How much income tax is deducted on 3 LPA?
None in the new regime. The gross salary of ₹2,74,785 leaves taxable income under ₹12 lakh after the ₹75,000 standard deduction, so the rebate cancels the tax.
How much PF is deducted on 3 LPA?
₹1,500 a month from your pay, and the same again from your employer, part of which goes to your pension.