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Convert CTC to in-hand monthly salary.
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The exact formula, statutory references and edge-cases used to compute your result. Reviewed by CA Ankita Jainik Soni.
CTC (Cost to Company) includes Basic + HRA + Special Allowance + Conveyance + Medical + LTA + other allowances + employer's PF contribution + gratuity provision + insurance + bonuses. Take-home is CTC minus statutory deductions and taxes.
Employee PF = 12% of basic salary, capped at ₹21,600 per year (basic salary cap of ₹15,000 × 12% × 12 months). Employer PF = 12% (3.67% to EPF + 8.33% to EPS for employees earning basic ≤ ₹15,000). Voluntary PF (VPF) over and above 12% is allowed.
Gratuity provision is built in at 4.81% of basic salary (15/26 ÷ 12 months). This is the employer's estimated annual gratuity liability, payable only on retirement after 5 years of service.
Professional Tax is levied by state governments on salaried employees. Karnataka: ₹200/month. Maharashtra: ₹200 (₹2,500 in February). Tamil Nadu: ₹208. Telangana: NIL (abolished in 2015). Andhra Pradesh: NIL.
Monthly take-home = (CTC ÷ 12) − (Employee PF + Professional Tax + TDS). TDS is computed per Section 192 based on estimated annual salary and chosen regime. TDS revision happens quarterly.
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Last updated: 21 June 2026 · Last reviewed by CA Ankita Jainik Soni · Indicative results only