Question 1

How to calculate in-hand salary from CTC in India?

Accepted Answer

Monthly in-hand = Monthly gross salary minus Employee PF (12% of basic, max ₹1,800) minus Income Tax/TDS minus Professional Tax. Gross salary = Annual CTC minus Employer PF minus Gratuity, divided by 12.

Question 2

What percentage of CTC is in-hand?

Accepted Answer

Typically 65-75% of CTC is received as in-hand salary. The gap is employer PF, employee PF, gratuity, income tax and professional tax.

Question 3

Is there 87A rebate in FY2024-25?

Accepted Answer

Yes. Under the new tax regime for FY2024-25, if your net taxable income is up to ₹7 lakh, you get full tax rebate under Section 87A — you pay zero income tax.

CTC to In-Hand Salary Calculator

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