# 14 LPA In-Hand Salary: INR 99,000 a Month (FY 2026-27) > 14 LPA in hand salary in FY 2026-27 is about INR 99,000 a month after INR 7,623 tax. See PF, gratuity, old vs new regime and the breakup. Source: https://trykosh.com/tools/14-lpa-in-hand-salary Free tool - Salary and retirement # 14 LPA in-hand salary: what INR 14 lakh CTC pays each month On a 14 LPA CTC you take home about INR 99,017 a month in FY 2026-27. Change the basic share, PF, variable pay or regime below to match your offer letter. Rules checked 25 October 2026Free - no sign-upRuns in your browser In-hand salary per month INR 99,017 INR 11,88,207 a year Take-home **INR 11,88,207**Income tax **INR 7,623**PF (both shares) **INR 1,68,000**Gratuity + PT **INR 36,170** CTC INR 14,00,000 − Employer PF INR 84,000 − Gratuity provision (4.81% of basic) INR 33,670 Gross salary INR 12,82,330 − Your PF (12% of basic) INR 84,000 − Professional tax INR 2,500 − Income tax (new regime) INR 7,623 Take-home for the year INR 11,88,207 Basic works out to INR 58,333 a month. PF is still your money: it grows at 8.25% a year in your EPF account. ## Upload your statement and Kosh does this for you. Knowing you get INR 99,017 is the start; Kosh shows where it goes. Upload a salary slip or bank statement and it finds the subscriptions, fees and leaks eating your month, picks your tax regime from your real deductions and sets a daily plan to save more of your 14 LPA. [Start free](/signup?via=tool-14-lpa-in-hand-salary) ## How the 14 LPA in-hand salary works A 14 LPA package means a cost to company of INR 14 lakh a year. Assuming basic pay at half of CTC (the Labour Codes floor), your employer's 12% PF contribution (INR 84,000) and a gratuity provision of 4.81% of basic (INR 33,670) sit inside that CTC but never reach your account, so your gross salary is INR 12,82,330, or INR 1,06,861 a month. From gross, your own 12% PF (INR 84,000 a year) and INR 2,500 of professional tax are deducted, along with INR 7,623 of income tax in the new regime. That leaves INR 11,88,207 a year, about INR 99,017 a month: 85% of your CTC. Your taxable income of INR 12,07,330 is just over the INR 12 lakh rebate limit, so marginal relief applies: the tax can't exceed what you earn above INR 12 lakh. That's why the tax here, INR 7,623, is far below the INR 61,100 the slabs alone would give. The old regime only beats the new one if your total old-regime deductions (80C including your PF, HRA, 80D health insurance, home-loan interest) come to more than INR 7,32,330 a year. Your PF alone counts for INR 84,000 of that. Compared with 12 LPA (INR 85,387 a month), the extra INR 2 lakh of CTC adds INR 13,631 a month to take-home, INR 6,815 for each lakh; the rest goes to PF, gratuity and INR 7,623 more tax. In-hand = CTC − employer PF − gratuity − employee PF − professional tax − income tax ## Worked example: 14 LPA with PF on the INR 15,000 ceiling Some employers cap PF at 12% of INR 15,000 (INR 1,800 a month each) rather than 12% of full basic (INR 7,000). At 14 LPA that leaves INR 13,44,730 of gross salary and INR 1,04,009 a month in hand, INR 4,992 more than with full PF, but INR 1,24,800 a year less going into your EPF. In-hand salary per month INR 1,04,009 INR 12,48,111 a year Take-home **INR 12,48,111**Income tax **INR 72,519**PF (both shares) **INR 43,200**Gratuity + PT **INR 36,170** CTC INR 14,00,000 − Employer PF INR 21,600 − Gratuity provision (4.81% of basic) INR 33,670 Gross salary INR 13,44,730 − Your PF (12% of basic) INR 21,600 − Professional tax INR 2,500 − Income tax (new regime) INR 72,519 Take-home for the year INR 12,48,111 Basic works out to INR 58,333 a month. PF is still your money: it grows at 8.25% a year in your EPF account. [Load this example into the calculator ->](?pfCapped=1#calculator) ## Good to know - If your employer calculates PF on the INR 15,000 statutory wage ceiling instead of full basic, take-home rises by INR 4,992 a month to INR 1,04,009, at the cost of slower EPF savings. - If 10% of the package is variable pay, fixed take-home drops to about INR 88,190 a month; the bonus arrives separately, taxed, when it's paid. - In Delhi, Haryana, Uttar Pradesh and other states without professional tax, add INR 208 a month. - Ask for employer NPS at 14% of basic: it's deductible even in the new regime and would cut your tax by about INR 7,623 a year. ## Frequently asked questions What is the in-hand salary for 14 LPA? About INR 99,017 a month in FY 2026-27, with basic at half of CTC, PF on full basic, gratuity inside the CTC and the new tax regime. If PF is on the INR 15,000 ceiling, it's closer to INR 1,04,009. How much tax do I pay on 14 LPA? INR 7,623 a year in the new regime, including 4% cess. In the old regime with INR 1.5 lakh of 80C, INR 1,41,907. How much is 14 LPA per month? INR 1,16,667 is CTC divided by 12, but that isn't what you're paid. Gross salary is INR 1,06,861 a month, and after PF, professional tax and income tax about INR 99,017 reaches your account. Is the old or new regime better on 14 LPA? The new regime, unless your old-regime deductions add up to more than INR 7,32,330 a year. That's more than almost anyone on this salary can claim. ## Sources and assumptions - [Income Tax Department](https://www.incometax.gov.in/) - [EPFO](https://www.epfindia.gov.in/) - [Ministry of Labour and Employment](https://labour.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. 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