# 30 LPA In-Hand Salary: INR 1,80,700 a Month (FY 2026-27) > 30 LPA in hand salary in FY 2026-27 is about INR 1,80,700 a month after INR 3.97 lakh tax. See PF, gratuity, old vs new regime and the breakup. Source: https://trykosh.com/tools/30-lpa-in-hand-salary Free tool - Salary and retirement # 30 LPA in-hand salary: what INR 30 lakh CTC pays each month On a 30 LPA CTC you take home about INR 1,80,685 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 1,80,685 INR 21,68,221 a year Take-home **INR 21,68,221**Income tax **INR 3,97,129**PF (both shares) **INR 3,60,000**Gratuity + PT **INR 74,650** CTC INR 30,00,000 − Employer PF INR 1,80,000 − Gratuity provision (4.81% of basic) INR 72,150 Gross salary INR 27,47,850 − Your PF (12% of basic) INR 1,80,000 − Professional tax INR 2,500 − Income tax (new regime) INR 3,97,129 Take-home for the year INR 21,68,221 Basic works out to INR 1,25,000 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 1,80,685 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 30 LPA. [Start free](/signup?via=tool-30-lpa-in-hand-salary) ## How the 30 LPA in-hand salary works A 30 LPA package means a cost to company of INR 30 lakh a year. Assuming basic pay at half of CTC (the Labour Codes floor), your employer's 12% PF contribution (INR 1,80,000) and a gratuity provision of 4.81% of basic (INR 72,150) sit inside that CTC but never reach your account, so your gross salary is INR 27,47,850, or INR 2,28,988 a month. From gross, your own 12% PF (INR 1,80,000 a year) and INR 2,500 of professional tax are deducted, along with INR 3,97,129 of income tax in the new regime. That leaves INR 21,68,221 a year, about INR 1,80,685 a month: 72% of your CTC. Your taxable income after the INR 75,000 standard deduction is INR 26,72,850, which reaches the 30% slab, and tax works out to INR 3,97,129 a year in the new regime (INR 33,094 a month of TDS). In the old regime, with INR 1.5 lakh of 80C, it's INR 5,99,149. 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 8,00,000 a year. Your PF alone counts for INR 1,50,000 of that. Compared with 25 LPA (INR 1,56,126 a month), the extra INR 5 lakh of CTC adds INR 24,560 a month to take-home, INR 4,912 for each lakh; the rest goes to PF, gratuity and INR 1,33,261 more tax. In-hand = CTC − employer PF − gratuity − employee PF − professional tax − income tax ## Worked example: the same 30 LPA with 10% variable pay Many offers at 30 LPA hold back part of the package as performance pay. With 10% variable (INR 3,00,000), basic is calculated on the fixed part, and take-home is INR 1,62,282 a month before the bonus, or INR 1,83,631 averaged over the year if it's paid in full. In-hand salary per month INR 1,83,631 INR 1,62,282 a month without the variable pay Take-home **INR 22,03,569**Income tax **INR 4,04,996**PF (both shares) **INR 3,24,000**Gratuity + PT **INR 67,435** CTC INR 30,00,000 − Employer PF INR 1,62,000 − Gratuity provision (4.81% of basic) INR 64,935 Gross salary INR 27,73,065 − Your PF (12% of basic) INR 1,62,000 − Professional tax INR 2,500 − Income tax (new regime) INR 4,04,996 Take-home for the year INR 22,03,569 Basic works out to INR 1,12,500 a month. PF is still your money: it grows at 8.25% a year in your EPF account. [Load this example into the calculator ->](?variablePct=10#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 22,282 a month to INR 2,02,967, at the cost of slower EPF savings. - If 10% of the package is variable pay, fixed take-home drops to about INR 1,62,282 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 65,520 a year. ## Frequently asked questions What is the in-hand salary for 30 LPA? About INR 1,80,685 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 2,02,967. How much tax do I pay on 30 LPA? INR 3,97,129 a year in the new regime, including 4% cess. In the old regime with INR 1.5 lakh of 80C, INR 5,99,149. How much is 30 LPA per month? INR 2,50,000 is CTC divided by 12, but that isn't what you're paid. Gross salary is INR 2,28,988 a month, and after PF, professional tax and income tax about INR 1,80,685 reaches your account. Is the old or new regime better on 30 LPA? The new regime, unless your old-regime deductions add up to more than INR 8,00,000 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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