What is the monthly in-hand salary for a 1 Crore CTC CTC package in FY 2026-27?

For a ₹1 Crore (1 Crore CTC) annual CTC package, the net monthly in-hand salary is approximately ₹5.29 L under the New Tax Regime, after accounting for EPF, Professional Tax, and Income Tax deductions.

How much income tax is deducted for a 1 Crore CTC package under New Regime?

Under the New Tax Regime for FY 2026-27 (AY 2027-28), annual income tax on a ₹1 Crore CTC is ₹30.52 L.

What is the monthly EPF deduction for 1 Crore CTC salary?

Assuming a standard basic salary structure (50% of CTC), the employee EPF contribution (12% of basic) is approximately ₹50,000 per month for a 1 Crore CTC package.

FY 2026-27 (AY 2027-28) Salary Guide

1 Crore CTC In-Hand Salary Per Month Breakdown

Exact take-home salary, tax liability under New vs Old Regime, and monthly EPF contributions for an annual package of ₹1 Crore.

EST. MONTHLY IN-HAND₹5.29 L(New Regime)

ANNUAL CTC

₹1 Crore

₹1,00,00,000 / year

MONTHLY IN-HAND (NEW)

₹5.29 L

After tax & EPF

ANNUAL TAX (NEW)

₹30.52 L

FY 2026-27 Slabs

MONTHLY EPF CONTRIBUTION

₹50,000

12% of basic pay

Understanding Your 1 Crore CTC Package In-Hand Salary

When an employer offers a package of ₹1 Crore (1 Crore CTC CTC), your gross monthly pay is ₹8,33,333. However, the actual credited amount in your bank account (net take-home) depends on mandatory statutory deductions such as Employee Provident Fund (EPF), Professional Tax (typically ₹200/month), and Income Tax (TDS).

Key Takeaways for 1 Crore CTC CTC

For a 1 Crore CTC CTC package, taxable income crosses the Section 87A rebate limit, incurring an annual tax of ₹30,51,620 under the New Regime.
Net monthly in-hand salary is approximately ₹5,28,832 under the New Regime compared to ₹5,33,598 under the Old Regime without additional deductions.
Employer NPS contributions under Section 80CCD(2) up to 14% of basic pay can further reduce taxable income.

Old vs New Tax Regime Comparison

Under FY 2026-27 rules, the New Tax Regime offers a standard deduction of ₹75,000 and zero tax for taxable income up to ₹12 Lakhs (via Section 87A rebate). For a 1 Crore CTC package, the New Regime provides an estimated net monthly in-hand salary of ₹5.29 L compared to ₹5.34 L under the Old Regime without extra 80C/80D investments.

Customize 1 Crore CTC In-Hand Calculations

Adjust your exact basic salary percentage, custom allowances, employer NPS, or HRA exemptions to recalculate your take-home pay.

Salary Calculator (In-Hand & Take-Home)

Calculate monthly take-home in-hand salary for Old and New tax regimes with deductions.

Select Income Tax Regime:

Fixed CTC / Gross Annual Salary (₹)Quick IT & Corporate Presets:

Monthly Basic: ₹4.17 L | Yearly Basic: ₹50.00 L

Deductions (New Regime)

PF (Yearly)

EPF (Yearly)

Gratuity (Yearly)

Professional Tax (Yearly)

Employer NPS 80CCD(2)

Regime Comparison (FY 2026-27)

New Regime gives higher in-hand cash

You take home ₹21,518/mo more under New Regime.

Open Full Regime Breakeven Tool →

New Regime In-HandActive

₹5.29 L / mo

Annual Tax: ₹30.52 L

Old Regime In-Hand

₹5.07 L / mo

Annual Tax: ₹30.62 L

Results (New Regime FY 2026-27)

Component	Yearly	Monthly
CTC	₹1.00 Cr	₹8.33 L
Gross	₹1.00 Cr	₹8.33 L
Standard Deduction	₹75,000	₹6,250
Take Home	₹69.48 L	₹5.79 L
Cash In-Hand	₹69.46 L	₹5.79 L
Income Tax	₹30.52 L	₹2.54 L

Explanation of Calculations

Gross Salary: Gross Salary (₹1.00 Cr) = CTC (₹1.00 Cr) - EPF (₹0) - Gratuity (₹0).
Take Home: Take Home (₹69.48 L) = Gross (₹1.00 Cr) - Income Tax (₹30.52 L).
Cash In-Hand: Cash In-Hand (₹69.46 L) = Take Home (₹69.48 L) - Professional Tax (₹2,400) - 80C (₹0) - NPS 80CCD(1B) (₹0) - Mediclaim 80D (₹0) - Donations 80G (₹0) - Home Loan Interest 80EEA (₹0) - Education Loan Interest 80E (₹0) - Rent (₹0) - Employer NPS (₹0).
Taxable Income: Taxable Income (₹99.25 L) = CTC - Deductions (as per selected regime).
Income Tax: Calculated using statutory slabs and Section 87A rebate (with marginal relief) plus 4% Health & Education Cess for FY 2026-27.