In-Hand Pay for 13 LPA (FY 2026-27)
A CTC of ₹13 lakh a year works out to about ₹97,733 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹97,733
New regime · ₹11,72,800 a year
- Old regime
- ₹84,791 a month
- Income tax (new)
- ₹0 a year
- Gross pay
- ₹1,03,133 a month
- Your PF
- ₹5,200 a month
Assumes basic pay of 40% of CTC, PF of 12% of basic from you and your employer inside the CTC, ₹2,400 a year of professional tax, no other income and no deductions beyond PF. For a salaried person under 60.
Breakdown for a year
| Per year | New regime | Old regime |
|---|---|---|
| CTC | ₹13,00,000 | ₹13,00,000 |
| Employer PF | −₹62,400 | −₹62,400 |
| Gross salary | ₹12,37,600 | ₹12,37,600 |
| Your PF | −₹62,400 | −₹62,400 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹11,62,600 | ₹11,22,800 |
| Income tax with cess | −₹0 | −₹1,55,314 |
| In hand a year | ₹11,72,800 | ₹10,17,486 |
| In hand a month | ₹97,733 | ₹84,791 |
A month's payslip at 13 LPA
With the new tax regime, income tax (TDS) is spread out evenly over the year.
| Gross pay | ₹1,03,133 |
|---|---|
| Your PF | −₹5,200 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹0 |
| Credited to your bank | ₹97,733 |
Professional tax is generally ₹200 monthly (₹300 in one month in certain states), while some states do not charge it at all.
How changes in the salary structure affect it
The same ₹13 lakh CTC can be divided in different ways. Look in your offer letter to see which one applies to you.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹97,733 |
| Basic pay 50% of CTC | New | ₹95,133 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹1,04,239 |
| Employer PF paid on top of the CTC | New | ₹1,00,767 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹95,649 |
| No PF deducted | New | ₹1,05,967 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹87,718 |
Old or new tax regime?
With this salary, the new regime doesn't charge any income tax, giving you at least as much as the old regime no matter what deductions you have.
In-hand salary near 13 LPA
Jobs paying around ₹1 lakh a month
8 open jobs on Daily Hirer advertise a pay range that reaches within 15% of this monthly gross pay.
- Project Manager Navi Mumbai · ₹60,000–90,000 a month
- Project Manager Noida · ₹70,000–1 lakh a month
- Project Manager Siliguri · ₹60,000–1 lakh a month
- Content Strategist Remote · ₹60,000–90,000 a month
- Software Developer Bengaluru · ₹60,000–90,000 a month
- Mid-Level Financial Consultant Kolkata · ₹50,000–90,000 a month
Frequently Asked Questions
What is the take-home salary for 13 LPA?
Roughly ₹97,733 each month (₹11,72,800 per year) with the new tax regime for FY 2026-27. This assumes basic pay makes up 40% of CTC, both you and your employer contribute 12% of basic pay to PF within the CTC, and there's a ₹2,400 annual professional tax. With the old regime, without more deductions, it's ₹84,791 monthly.
How much tax is paid on a 13 LPA salary?
Under the new regime, the yearly tax is ₹0 on a taxable amount of ₹11,62,600, after a ₹75,000 standard deduction. There's no tax because the taxable amount is within the ₹12 lakh limit for the Section 87A rebate. With the old regime, it's ₹1,55,314 before further deductions.
What is the 13 LPA monthly pay before deductions?
Dividing the CTC by 12 gives ₹1,08,333. Your monthly gross salary is ₹1,03,133 because the employer's ₹5,200 monthly PF contribution is part of the CTC and goes to your PF account instead of your salary.
Is the new or old tax regime better for 13 LPA?
With this salary, the new regime charges no income tax, meaning it always leaves you with as much or more than the old regime, no matter your deductions.
How much PF is taken from a 13 LPA salary?
₹5,200 monthly: 12% of a ₹43,333 monthly basic pay, matched by your employer. If your employer only applies PF to the ₹15,000 wage limit, it’s ₹1,800 monthly, increasing your take-home pay to about ₹1,04,239 monthly.
In-hand salary for other CTCs
2 LPA
2.5 LPA
3 LPA
3.5 LPA
4 LPA
4.5 LPA
5 LPA
5.5 LPA
6 LPA
6.5 LPA
7 LPA
7.5 LPA
8 LPA
8.5 LPA
9 LPA
9.5 LPA
10 LPA
10.5 LPA
11 LPA
11.5 LPA
12 LPA
12.5 LPA
12.75 LPA
13 LPA
14 LPA
15 LPA
16 LPA
17 LPA
18 LPA
19 LPA
20 LPA
21 LPA
22 LPA
23 LPA
24 LPA
25 LPA
26 LPA
27 LPA
28 LPA
30 LPA
32 LPA
35 LPA
40 LPA
45 LPA
50 LPA
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