# 15 LPA In-Hand Salary: INR 1,00,300 a Month (FY 2026-27) > 15 LPA in hand salary in FY 2026-27 is about INR 1,00,300 a month after INR 77,832 tax. See PF, gratuity, old vs new regime and the breakup. Source: https://trykosh.com/tools/15-lpa-in-hand-salary Free tool - Salary and retirement # 15 LPA in-hand salary: what INR 15 lakh CTC pays each month On a 15 LPA CTC you take home about INR 1,00,299 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 1,00,299 INR 12,03,593 a year Take-home **INR 12,03,593**Income tax **INR 77,832**PF (both shares) **INR 1,80,000**Gratuity + PT **INR 38,575** CTC INR 15,00,000 − Employer PF INR 90,000 − Gratuity provision (4.81% of basic) INR 36,075 Gross salary INR 13,73,925 − Your PF (12% of basic) INR 90,000 − Professional tax INR 2,500 − Income tax (new regime) INR 77,832 Take-home for the year INR 12,03,593 Basic works out to INR 62,500 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 1,00,299 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 15 LPA. [Start free](/signup?via=tool-15-lpa-in-hand-salary) ## How the 15 LPA in-hand salary works A 15 LPA package means a cost to company of INR 15 lakh a year. Assuming basic pay at half of CTC (the Labour Codes floor), your employer's 12% PF contribution (INR 90,000) and a gratuity provision of 4.81% of basic (INR 36,075) sit inside that CTC but never reach your account, so your gross salary is INR 13,73,925, or INR 1,14,494 a month. From gross, your own 12% PF (INR 90,000 a year) and INR 2,500 of professional tax are deducted, along with INR 77,832 of income tax in the new regime. That leaves INR 12,03,593 a year, about INR 1,00,299 a month: 80% of your CTC. Your taxable income after the INR 75,000 standard deduction is INR 12,98,925, which reaches the 15% slab, and tax works out to INR 77,832 a year in the new regime (INR 6,486 a month of TDS). In the old regime, with INR 1.5 lakh of 80C, it's INR 1,70,485. 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 5,12,231 a year. Your PF alone counts for INR 90,000 of that. Compared with 14 LPA (INR 99,017 a month), the extra INR 1 lakh of CTC adds INR 1,282 a month to take-home, INR 1,282 for each lakh, because most of the raise goes to income tax at this level. In-hand = CTC − employer PF − gratuity − employee PF − professional tax − income tax ## Worked example: 15 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 7,500). At 15 LPA that leaves INR 14,42,325 of gross salary and INR 1,10,810 a month in hand, INR 10,511 more than with full PF, but INR 1,36,800 a year less going into your EPF. In-hand salary per month INR 1,10,810 INR 13,29,722 a year Take-home **INR 13,29,722**Income tax **INR 88,503**PF (both shares) **INR 43,200**Gratuity + PT **INR 38,575** CTC INR 15,00,000 − Employer PF INR 21,600 − Gratuity provision (4.81% of basic) INR 36,075 Gross salary INR 14,42,325 − Your PF (12% of basic) INR 21,600 − Professional tax INR 2,500 − Income tax (new regime) INR 88,503 Take-home for the year INR 13,29,722 Basic works out to INR 62,500 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 10,511 a month to INR 1,10,810, at the cost of slower EPF savings. - If 10% of the package is variable pay, fixed take-home drops to about INR 90,156 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 77,832 a year. ## Frequently asked questions What is the in-hand salary for 15 LPA? About INR 1,00,299 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 1,10,810. How much tax do I pay on 15 LPA? INR 77,832 a year in the new regime, including 4% cess. In the old regime with INR 1.5 lakh of 80C, INR 1,70,485. How much is 15 LPA per month? INR 1,25,000 is CTC divided by 12, but that isn't what you're paid. Gross salary is INR 1,14,494 a month, and after PF, professional tax and income tax about INR 1,00,299 reaches your account. Is the old or new regime better on 15 LPA? The new regime, unless your old-regime deductions add up to more than INR 5,12,231 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. 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