8 LPA 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 ₹8 Lakhs.
| Regime | In-hand / month | Tax / year | Your PF / month |
|---|---|---|---|
| New regime | ₹56,863 | ₹0 (Section 87A rebate) | ₹4,000 |
| Old regime* | ₹56,863 | ₹0 | ₹4,000 |
*Old regime with ₹1,50,000 under 80C, ₹50,000 of NPS and ₹25,000 of 80D claimed.
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Understanding Your 8 LPA Package In-Hand Salary
When an employer offers a package of ₹8 Lakhs (8 LPA CTC), your monthly CTC is ₹66,667. The amount credited to your bank (net take-home) is lower: employer PF and gratuity are part of CTC but never paid monthly, and your own Employee Provident Fund (EPF), Professional Tax (typically ₹200/month) and Income Tax (TDS) are deducted from what remains.
Key takeaways for 8 LPA CTC
- After the ₹75,000 standard deduction, your taxable income under the new regime is ₹6,57,760, which reaches the 5% slab. It is within the ₹12,00,000 limit for the Section 87A rebate, so the rebate cancels the tax and you pay ₹0.
- Your CTC works out to ₹66,667 a month, of which ₹56,863 reaches your bank. The ₹9,804 difference is ₹5,604 of employer PF and gratuity held inside CTC, ₹4,000 of your own PF and ₹200 of professional tax. No income tax is deducted.
- A move to 10 LPA would add ₹14,266 a month in hand.
Old vs new tax regime at 8 LPA
Both regimes give the same in-hand at this CTC: ₹56,863 a month, with ₹0 of tax either way. The new regime gets there without locking money into 80C, 80D or NPS.
Customize 8 LPA In-Hand Calculations
Adjust your exact basic salary percentage, custom allowances, employer NPS, or HRA exemptions to recalculate your take-home pay.
Salary Calculator FY 2026-27 (In-Hand Take Home Salary)
Calculate monthly in-hand cash take-home pay from CTC after EPF, Gratuity, Professional Tax, and Income Tax deductions.
Starts at 50% of your CTC; change it to match your payslip. That is ₹33,333 a month.
12% of basic
12% of basic
~4.81% of basic
State PT (~₹2,400)
Your own PF and professional tax come out of your pay in both regimes, but the new regime gives no tax deduction for them (no Section 80C, no professional tax deduction). Employer PF up to 12% of basic and gratuity are part of CTC and are never taxed as salary, in either regime.
Yearly NPS: ₹0 (Max 14% of Basic = ₹56,000)
NEW TAX REGIME FY 2026-27
- Monthly In-Hand Cash
- ₹56,863/ month
- Annual net in-hand take-home: ₹6.82 L
- Base Income Tax:
- ₹0
- Health & Education Cess (4%):
- ₹0
- Total Tax Liability:
- ₹0
- Total Income Tax
- ₹0
- Net Taxable Income
- ₹6.58 L
- Standard Deduction
- ₹75,000
- Professional Tax (PT)
- ₹2,400 / yr
Regime Comparison Verdict
Both regimes give the same in-hand at this CTC
Both regimes give the same tax here. Choose the New Regime: you get the same result without locking money into 80C, 80D or NPS investments or keeping rent proofs, so more of your pay stays in hand.
- New Regime In-Hand
- ₹56,863/mo
- Old Regime In-Hand
- ₹56,863/mo
Itemized Monthly Salary Slip Breakdown
| Salary Component | Annual (Yearly) | Monthly |
|---|---|---|
| Cost to Company (CTC) | ₹8.00 L | ₹66,667 |
| Basic Salary | ₹4.00 L | ₹33,333 |
| Standard Deduction (lowers tax, not pay) | ₹75,000 | ₹6,250 |
| Employer PF (part of CTC) | −₹48,000 | −₹4,000 |
| Gratuity (part of CTC, paid when you leave) | −₹19,240 | −₹1,603 |
| Employee PF (your share) | −₹48,000 | −₹4,000 |
| Professional Tax (PT) | −₹2,400 | −₹200 |
| Base Income Tax | −₹0 | – |
| Health & Education Cess (4%) | −₹0 | – |
| Total Income Tax & Cess | ₹0 | ₹0 |
| Net In-Hand Cash Take-Home | ₹6.82 L | ₹56,863 |
CTC Component & Take-Home Distribution
Visual distribution of Annual CTC across In-Hand Cash, Income Tax, and Provident Fund / Retirals.
- In-Hand Cash85.3% of Gross CTC
- ₹6.82 L
- Income Tax0.0% Effective Tax Rate
- ₹0
- EPF & Retirals14.7% of Gross CTC
- ₹1.18 L
In-hand salary formula, with your numbers
T is the slab tax, surcharge and cess on taxable income, then rounded to the nearest ₹10 (Section 516 of the Income-tax Act, 2025). Taxable income is salary income ₹7,32,760 (CTC less gratuity and employer PF up to 12% of basic) + retiral perquisite ₹0 − deductions ₹75,000, rounded to the nearest ₹10 = ₹6,57,760.
Gratuity, employer PF and employer NPS are part of CTC but are not paid to you each month, and your own PF and professional tax are deducted from your pay, so in-hand stays below CTC even when the tax is nil. The standard deduction lowers your tax, not your pay. The retiral perquisite is employer PF and NPS above ₹7.5 lakh a year, taxed under section 17(1)(h) of the Income-tax Act, 2025 (section 17(2)(vii) of the 1961 Act).
About the Salary Calculator
This salary calculator helps you estimate your in-hand and take-home salary after all statutory deductions and income tax, for both the old and new tax regimes. It considers standard deduction, employee and employer PF, gratuity, professional tax, HRA and employer NPS (in both regimes).
How to use: Enter your CTC, select the tax regime, and fill in any applicable deductions. The calculator will show your income tax, taxable income and monthly in-hand salary, along with a salary-slip breakdown.
Tip: If you want to compare your tax and take home under both regimes, try our Old vs New Regime Calculator.
Updated for FY 2026-27 as per latest Budget rules. For more details on tax rules, see the official Income Tax India website.
References
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