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| Component | Annual (₹) | Monthly (₹) |
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In-Hand = Gross Salary − Employee PF − Professional Tax − Income Tax (TDS)
CTC includes basic salary, HRA, special allowances, and the employer's PF contribution. Your take-home is lower after mandatory deductions. This calculator gives you an accurate estimate based on standard Indian payroll rules.
Under the New Regime (default from FY 2023-24): income up to ₹7 lakh is tax-free via Section 87A rebate. Lower tax slabs but fewer deductions. Under the Old Regime: you can claim HRA, 80C (up to ₹1.5L), 80D, home loan interest etc., but face slightly higher base rates.