In-hand salary for 5.5 LPA (FY 2026-27)
A CTC of ₹5.5 lakh a year works out to about ₹41,233 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹41,233
New regime · ₹4,94,800 a year
- Old regime
- ₹41,233 a month
- Income tax (new)
- ₹0 a year
- Gross pay
- ₹43,633 a month
- Your PF
- ₹2,200 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 | ₹5,50,000 | ₹5,50,000 |
| Employer PF | −₹26,400 | −₹26,400 |
| Gross salary | ₹5,23,600 | ₹5,23,600 |
| Your PF | −₹26,400 | −₹26,400 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹4,48,600 | ₹4,44,800 |
| Income tax with cess | −₹0 | −₹0 |
| In hand a year | ₹4,94,800 | ₹4,94,800 |
| In hand a month | ₹41,233 | ₹41,233 |
A month's payslip at 5.5 LPA
Under the new tax regime, income tax (TDS) is spread evenly throughout the year.
| Gross pay | ₹43,633 |
|---|---|
| Your PF | −₹2,200 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹0 |
| Credited to your bank | ₹41,233 |
Professional tax is commonly ₹200 monthly (₹300 in one month in some states), and some states do not charge it at all.
How it changes with the salary structure
The ₹5.5 lakh CTC can be divided in different ways. Look at your offer letter to see which applies to you.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹41,233 |
| Basic pay 50% of CTC | New | ₹40,133 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹42,033 |
| Employer PF paid on top of the CTC | New | ₹43,433 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹40,352 |
| No PF deducted | New | ₹45,633 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹41,233 |
Old or new tax regime?
With this salary, the new regime does not apply any income tax, so you will get at least as much as with the old regime, no matter your deductions.
In-hand salary near 5.5 LPA
Jobs paying around ₹43,500 a month
46 open jobs on Daily Hirer advertise a pay range that reaches within 15% of this monthly gross pay.
- Software Developer Kochi · ₹50,000–80,000 a month
- Banking Associate Thane · ₹30,000–50,000 a month
- Digital Marketing Executive Remote · ₹40,000–60,000 a month
- Sales Executive Visakhapatnam · ₹20,000–40,000 a month
- Content Writer Remote · ₹35,000–50,000 a month
- Banking Associate Jammu · ₹25,000–45,000 a month
Frequently Asked Questions
What is the in-hand pay for a 5.5 LPA salary?
For FY 2026-27, under the new tax regime, it's roughly ₹41,233 monthly (₹4,94,800 yearly). This assumes basic pay is 40% of the CTC, with PF at 12% of basic from both you and your employer within the CTC, plus ₹2,400 a year in professional tax. Under the old regime without other deductions, it's also ₹41,233 a month.
What income tax is due on a 5.5 LPA salary?
Under the new regime, it's ₹0 per year, because after a ₹75,000 standard deduction, your taxable income is ₹4,48,600. This stays within the ₹12 lakh limit for the Section 87A rebate. In the old regime, it's also ₹0 before other deductions.
What is the 5.5 LPA monthly salary before deductions?
Dividing the CTC by 12 gives ₹45,833. The monthly gross pay is ₹43,633, as the employer's PF contribution of ₹2,200 is part of the CTC, but it goes into your PF account.
Which tax regime is better for a 5.5 LPA salary, old or new?
With no income tax charged at this salary level, the new regime leaves you with at least as much as the old regime, regardless of your deductions.
What PF is taken from a 5.5 LPA salary?
It's ₹2,200 a month, which is 12% of a ₹18,333 basic monthly pay, matched by the employer. If PF is applied only to the ₹15,000 wage ceiling, it's ₹1,800 a month, raising in-hand pay to about ₹42,033 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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