7 LPA in hand: the short answer
With a typical structure (basic pay 50% of CTC, PF on full basic, gratuity inside CTC, ₹2,400 professional tax) and the new tax regime, a CTC of ₹7,00,000 gives about ₹49,730 a month in your bank account for Tax Year 2026-27.
| Component | Monthly | Yearly |
|---|---|---|
| CTC | ₹58,333 | ₹7,00,000 |
| Employer PF (12% of basic) | ₹−3,500 | ₹−42,000 |
| Gratuity (4.81% of basic) | ₹−1,403 | ₹−16,835 |
| Gross salary | ₹53,430 | ₹6,41,165 |
| Your PF | ₹−3,500 | ₹−42,000 |
| Professional tax | ₹−200 | ₹−2,400 |
| Income tax (new regime) | ₹0 | ₹0 |
| In-hand | ₹49,730 | ₹5,96,765 |
Why in-hand is less than CTC ÷ 12
CTC counts everything the company spends on you, including its own PF share and gratuity, which you never see in your monthly pay. Then your own PF and income tax are deducted. If your company caps PF at ₹1,800 a month or puts less in basic, your in-hand goes up but your PF savings go down. Change these under “Salary structure” above.
In-hand salary by CTC
| CTC | In-hand a month |
|---|---|
| 4 LPA | ₹28,332 |
| 5 LPA | ₹35,465 |
| 6 LPA | ₹42,598 |
| 7 LPA | ₹49,730 |
| 8 LPA | ₹56,863 |
| 10 LPA | ₹71,129 |
| 12 LPA | ₹85,395 |
| 15 LPA | ₹1,00,308 |
| 18 LPA | ₹1,18,134 |
| 20 LPA | ₹1,29,338 |
| 25 LPA | ₹1,56,134 |
| 30 LPA | ₹1,80,693 |
| 40 LPA | ₹2,28,208 |
| 50 LPA | ₹2,75,722 |
Questions people ask
What is the in-hand salary for 7 LPA?
About ₹49,730 a month under the new regime, assuming basic is 50% of CTC, PF on full basic and gratuity included in CTC. A ₹1,800 PF cap or a lower basic would raise it.
How much tax on 7 LPA?
About ₹0 a year in the new regime (₹0 a month), after the ₹75,000 standard deduction.