₹5 LPA CTC - In-Hand Salary Breakup
Estimated monthly take-home under new tax regime. Adjust your exact salary structure below.
Monthly Take-Home
₹37,198
Annual Take-Home
₹4,46,376
Monthly TDS
₹0
Monthly PF
₹1,800
Monthly Salary Breakup - ₹5 LPA CTC
| Component | Monthly | Annual |
|---|---|---|
| Earnings | ||
| Basic Salary | ₹15,679 | ₹1,88,148 |
| HRA | ₹7,840 | ₹94,080 |
| Special Allowance / Other | ₹15,679 | ₹1,88,148 |
| Gross Monthly Salary | ₹39,198 | ₹4,70,376 |
| Deductions | ||
| Employee PF (12% of basic) | - ₹1,800 | - ₹21,600 |
| Professional Tax | - ₹200 | - ₹2,400 |
| Income Tax (TDS - new regime) | - ₹0 | - ₹0 |
| Total Deductions | - ₹2,000 | - ₹24,000 |
| In-Hand (Take-Home) Salary | ₹37,198 | ₹4,46,376 |
Estimates assume: basic = 40% gross, HRA = 50% basic, new tax regime, professional tax ₹200/month. Use the calculator below for exact figures.
Enter your exact CTC and salary structure
Monthly Take Home
₹98,000
Annual Take Home
₹11.76 L
Annual Gross Salary
₹12 L
Monthly Salary Components
Annual Deductions
Visual Breakdown
Monthly gross composition
Take-home vs deductions (of gross)
HRA = 50% of basic (metro). Enter Employer PF and Gratuity only if they are part of your CTC breakup.
Recommended max EMI at this take-home: ₹39,200 /month (40% rule).
Frequently Asked Questions
What is the in-hand salary for ₹5 LPA CTC per month?▾
For ₹5 LPA CTC (Cost to Company), the approximate monthly in-hand salary is ₹37,198 under the new tax regime. This assumes basic salary at 40% of gross, HRA at 50% of basic, employee PF contribution of ₹1,800/month, professional tax of ₹200/month, and monthly TDS (income tax) of ₹0. Actual take-home varies by salary structure and deductions.
How much tax do I pay on ₹5 LPA CTC?▾
On ₹5 LPA CTC, the estimated monthly income tax (TDS) under the new regime is ₹0 (₹0 annually). This assumes the standard deduction of ₹75,000 and no other deductions. If you have home loan interest, HRA exemption, or NPS contributions under the old regime, your tax may be different.
What is the difference between ₹5 LPA CTC and in-hand salary?▾
CTC (Cost to Company) of ₹5 LPA includes the employer's PF contribution, gratuity provision, and other benefits that you never receive as cash. Your gross salary (what comes to your account before deductions) is lower - approximately ₹39,198/month. After employee PF, professional tax, and income tax deductions, your net in-hand salary is ₹37,198/month.