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In-hand salary calculator (new tax regime)

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

Type your yearly CTC. See what lands in your bank each month after PF, gratuity, professional tax and income tax.

New tax regime for FY 2026-27, resident individual under 60, salaried, no other income or deductions. Your payslip may differ.

Common questions

Why is in-hand lower than CTC?

CTC includes employer PF and gratuity that never reach your bank, plus your own PF, tax and professional tax.

Is there tax on ₹12 lakh?

Not under the new regime, after the ₹75,000 standard deduction and the section 87A rebate.