# 3 LPA In-Hand Salary: INR 21,200 a Month (FY 2026-27) > 3 LPA in hand salary in FY 2026-27 is about INR 21,200 a month with zero income tax. See PF, gratuity, the old regime and the full breakup. Source: https://trykosh.com/tools/3-lpa-in-hand-salary Free tool - Salary and retirement # 3 LPA in-hand salary: what INR 3 lakh CTC pays each month On a 3 LPA CTC you take home about INR 21,190 a month in FY 2026-27, with no income tax in the new regime. 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 21,190 INR 2,54,285 a year Take-home **INR 2,54,285**PF (both shares) **INR 36,000**Gratuity + PT **INR 9,715** CTC INR 3,00,000 − Employer PF INR 18,000 − Gratuity provision (4.81% of basic) INR 7,215 Gross salary INR 2,74,785 − Your PF (12% of basic) INR 18,000 − Professional tax INR 2,500 − Income tax (new regime) INR 0 Take-home for the year INR 2,54,285 Basic works out to INR 12,500 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 21,190 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 3 LPA. [Start free](/signup?via=tool-3-lpa-in-hand-salary) ## How the 3 LPA in-hand salary works A 3 LPA package means a cost to company of INR 3 lakh a year. Assuming basic pay at half of CTC (the Labour Codes floor), your employer's 12% PF contribution (INR 18,000) and a gratuity provision of 4.81% of basic (INR 7,215) sit inside that CTC but never reach your account, so your gross salary is INR 2,74,785, or INR 22,899 a month. From gross, your own 12% PF (INR 18,000 a year) and INR 2,500 of professional tax are deducted; income tax is nil in the new regime. That leaves INR 2,54,285 a year, about INR 21,190 a month: 85% of your CTC. Tax is zero because your taxable income after the INR 75,000 standard deduction is INR 1,99,785, under the INR 4 lakh that the new regime doesn't tax at all. The old regime is also nil at this salary, so the regime choice doesn't change your in-hand pay. In-hand = CTC − employer PF − gratuity − employee PF − professional tax − income tax ## Worked example: the same 3 LPA with 10% variable pay Many offers at 3 LPA hold back part of the package as performance pay. With 10% variable (INR 30,000), basic is calculated on the fixed part, and take-home is INR 19,051 a month before the bonus, or INR 21,551 averaged over the year if it's paid in full. In-hand salary per month INR 21,551 INR 19,051 a month without the variable pay Take-home **INR 2,58,607**PF (both shares) **INR 32,400**Gratuity + PT **INR 8,994** CTC INR 3,00,000 − Employer PF INR 16,200 − Gratuity provision (4.81% of basic) INR 6,494 Gross salary INR 2,77,307 − Your PF (12% of basic) INR 16,200 − Professional tax INR 2,500 − Income tax (new regime) INR 0 Take-home for the year INR 2,58,607 Basic works out to INR 11,250 a month. PF is still your money: it grows at 8.25% a year in your EPF account. [Load this example into the calculator ->](?variablePct=10#calculator) ## Good to know - Your basic (INR 12,500 a month) is at or under the INR 15,000 PF wage ceiling, so PF is the same whichever way your employer calculates it. - If 10% of the package is variable pay, fixed take-home drops to about INR 19,051 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. - Your PF isn't lost: both shares (INR 36,000 a year) build up in your EPF account at 8.25% (FY 2025-26 rate). ## Frequently asked questions What is the in-hand salary for 3 LPA? About INR 21,190 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. How much tax do I pay on 3 LPA? Nothing in the new regime: taxable income of INR 1,99,785 is inside the INR 4 lakh nil slab. The old regime is nil too. How much is 3 LPA per month? INR 25,000 is CTC divided by 12, but that isn't what you're paid. Gross salary is INR 22,899 a month, and after PF, professional tax and income tax about INR 21,190 reaches your account. Is the old or new regime better on 3 LPA? Neither saves you anything: tax is nil in both. Stay in the new regime, the default, and there's no investment proof to submit. ## 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. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.