₹5 LPA in-hand salary
Rules for FY 2026-27 · Checked 24 October 2026
On a ₹5 lakh CTC you take home about ₹35,465 a month in the new tax regime. That is after ₹2,500 PF, ₹200 professional tax and ₹0 income tax each month. In the old regime with no deductions it would be ₹35,465.
- In hand a month₹35,465New regime
- Take-home a year₹4.26L85% of CTC
- Income tax a month₹0Rebate cancels it
- PF a month₹5,000You + employer
Monthly salary slip for ₹5 LPA
| Each month | New regime | Old regime |
|---|---|---|
| Basic pay | ₹20,833 | ₹20,833 |
| HRA and other allowances | ₹17,331 | ₹17,331 |
| Your PF | − ₹2,500 | − ₹2,500 |
| Professional tax | − ₹200 | − ₹200 |
| Income tax (TDS) | − ₹0 | − ₹0 |
| In hand | ₹35,465 | ₹35,465 |
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 ₹5 lakh salary and the old vs new regime guide.
Where the ₹5 lakh goes in a year
- CTC
- ₹5,00,000
- Employer PF
- − ₹30,000
- Gratuity (paid when you leave)
- − ₹12,025
- Gross salary
- ₹4,57,975
- Your PF
- − ₹30,000
- Professional tax
- − ₹2,400
- Income tax (new regime)
- ₹0
- Take-home for the year
- ₹4,25,575
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.
- ₹4,25,575 a year reaches your bank account: 85% of your CTC.
- Your PF grows by ₹5,000 a month, counting your employer's share.
- You pay no income tax at this salary in the new regime.
- Take-home pay₹4,25,575
- Income tax₹0
- PF (yours + employer)₹60,000
- Gratuity and professional tax₹14,425
Monthly pay slip
- Basic
- ₹20,833
- HRA and other allowances
- ₹17,331
- Your PF
- − ₹2,500
- Professional tax
- − ₹200
- Income tax (TDS)
- ₹0
- In hand
- ₹35,465
Where your CTC goes in a year
- CTC
- ₹5,00,000
- Employer PF
- − ₹30,000
- Gratuity
- − ₹12,025
- Gross salary
- ₹4,57,975
- Your PF
- − ₹30,000
- Professional tax
- − ₹2,400
- Income tax
- ₹0
- Take-home for the year
- ₹4,25,575
Frequently asked questions
What is the monthly in-hand salary for 5 LPA?
About ₹35,465 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 ₹35,465.
How much income tax is deducted on 5 LPA?
None in the new regime. The gross salary of ₹4,57,975 leaves taxable income under ₹12 lakh after the ₹75,000 standard deduction, so the rebate cancels the tax.
How much PF is deducted on 5 LPA?
₹2,500 a month from your pay, and the same again from your employer, part of which goes to your pension.