What you take home from a 8 LPA salary (FY 2026-27)
A CTC of ₹8 lakh a year works out to about ₹60,067 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹60,067
New regime · ₹7,20,800 a year
- Old regime
- ₹56,023 a month
- Income tax (new)
- ₹0 a year
- Gross pay
- ₹63,467 a month
- Your PF
- ₹3,200 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 | ₹8,00,000 | ₹8,00,000 |
| Employer PF | −₹38,400 | −₹38,400 |
| Gross salary | ₹7,61,600 | ₹7,61,600 |
| Your PF | −₹38,400 | −₹38,400 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹6,86,600 | ₹6,70,800 |
| Income tax with cess | −₹0 | −₹48,526 |
| In hand a year | ₹7,20,800 | ₹6,72,274 |
| In hand a month | ₹60,067 | ₹56,023 |
A month's payslip at 8 LPA
In the new tax regime, income tax (TDS) is spread out evenly across the year.
| Gross pay | ₹63,467 |
|---|---|
| Your PF | −₹3,200 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹0 |
| Credited to your bank | ₹60,067 |
Professional tax is often ₹200 each month (₹300 in some states for one month), and other states don't charge it at all.
How different salary structures affect take-home pay
A ₹8 lakh CTC can be divided in various ways. Take a look at your offer letter to see which one is used.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹60,067 |
| Basic pay 50% of CTC | New | ₹58,467 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹62,867 |
| Employer PF paid on top of the CTC | New | ₹63,267 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹58,784 |
| No PF deducted | New | ₹66,467 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹58,391 |
Old or new tax regime?
With this salary, the new tax regime doesn't take any income tax, so you get at least the same amount as the old regime, no matter what deductions you have.
In-hand salary near 8 LPA
Jobs paying around ₹63,500 a month
32 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
- Project Manager Navi Mumbai · ₹60,000–90,000 a month
- Digital Marketing Executive Remote · ₹40,000–60,000 a month
- Project Manager Noida · ₹70,000–1 lakh a month
- Project Manager Siliguri · ₹60,000–1 lakh a month
- Software Developer Kozhikode · ₹50,000–80,000 a month
Frequently Asked Questions
What is the take-home pay for 8 LPA?
Around ₹60,067 per month (₹7,20,800 annually) with the new tax regime for FY 2026-27, assuming basic pay is 40% of CTC, you contribute 12% of basic pay to PF that is included in CTC from you and your employer, and there's ₹2,400 annually for professional tax. Under the old tax regime without other deductions, it comes to ₹56,023 monthly.
What is the income tax on an 8 LPA salary?
₹0 annually with the new tax regime on a taxable income of ₹6,86,600 after a ₹75,000 standard deduction. No tax is owed because the taxable income stays under the ₹12 lakh limit for the Section 87A rebate. With the old regime, it's ₹48,526 before other deductions.
What is the 8 LPA monthly salary before cuts?
When you divide the CTC by 12, it's ₹66,667. Your monthly gross pay is ₹63,467 because the employer's monthly PF of ₹3,200 is part of the CTC but goes into your PF account, not your salary.
Is the old or new tax regime better for 8 LPA?
With this salary, the new regime doesn't charge income tax, so you end up with at least as much as with the old regime regardless of any deductions.
How much PF is taken from an 8 LPA salary?
₹3,200 each month: 12% of a ₹26,667 monthly basic pay, matched by your employer. If your employer only applies PF to the ₹15,000 wage limit, it's ₹1,800 a month and your take-home pay increases to about ₹62,867 a month.
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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