In-Hand Salary for 9 LPA (FY 2026-27)
A CTC of ₹9 lakh a year works out to about ₹67,600 a month in hand under the new tax regime, after PF, professional tax and income tax.
Monthly in-hand salary
₹67,600
New regime · ₹8,11,200 a year
- Old regime
- ₹61,989 a month
- Income tax (new)
- ₹0 a year
- Gross pay
- ₹71,400 a month
- Your PF
- ₹3,600 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 | ₹9,00,000 | ₹9,00,000 |
| Employer PF | −₹43,200 | −₹43,200 |
| Gross salary | ₹8,56,800 | ₹8,56,800 |
| Your PF | −₹43,200 | −₹43,200 |
| Professional tax | −₹2,400 | −₹2,400 |
| Taxable income | ₹7,81,800 | ₹7,61,200 |
| Income tax with cess | −₹0 | −₹67,330 |
| In hand a year | ₹8,11,200 | ₹7,43,870 |
| In hand a month | ₹67,600 | ₹61,989 |
A month's payslip at 9 LPA
Under the new tax regime, income tax (TDS) is spread evenly throughout the year.
| Gross pay | ₹71,400 |
|---|---|
| Your PF | −₹3,600 |
| Professional tax | −₹200 |
| Income tax (TDS) | −₹0 |
| Credited to your bank | ₹67,600 |
Professional tax is typically ₹200 per month (₹300 in one month in certain states), though some states do not charge it at all.
How the Salary Structure Affects It
The same ₹9 lakh CTC can be divided in various ways. Check your offer letter to see which applies.
| Structure | Regime | In hand a month |
|---|---|---|
| Basic pay 40% of CTC, PF on full basic (the figures above) | New | ₹67,600 |
| Basic pay 50% of CTC | New | ₹65,800 |
| PF capped at ₹1,800 a month (₹15,000 wage ceiling) | New | ₹71,200 |
| Employer PF paid on top of the CTC | New | ₹71,200 |
| Gratuity (4.81% of basic) included in the CTC | New | ₹66,157 |
| No PF deducted | New | ₹74,800 |
| ₹1.5 lakh of 80C (PF included) and ₹25,000 of health insurance (80D) | Old | ₹64,274 |
Old or new tax regime?
With no income tax at this salary under the new regime, you'll get at least as much as with the old regime, no matter your deductions.
In-hand salary near 9 LPA
Jobs paying around ₹71,500 a month
21 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
- 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
- Content Strategist Remote · ₹40,000–70,000 a month
Frequently Asked Questions
What will I take home with a 9 LPA salary?
You'll get about ₹67,600 monthly (₹8,11,200 yearly) if you go with the new tax setup for FY 2026-27. This is with basic pay as 40% of CTC, PF at 12% of basic from both you and your employer within the CTC, and a professional tax of ₹2,400 yearly. With the old setup and no extra deductions, it's ₹61,989 monthly.
What is the income tax on a 9 LPA salary?
With the new setup, it's ₹0 per year because your taxable income becomes ₹7,81,800 after a ₹75,000 standard deduction. No tax is owed as it stays under the ₹12 lakh cap for the Section 87A rebate. With the old way, it comes to ₹67,330 before other deductions.
What's the gross salary per month for 9 LPA before cuts?
Divide the CTC by 12 to get ₹75,000. Your gross pay monthly is ₹71,400 because your employer's ₹3,600 PF each month is part of CTC but goes directly into your PF, not your salary.
Is the new or old tax regime better for 9 LPA?
The new setup means no income tax at this pay level, so you'll have at least as much leftover as with the old, no matter what deductions you have.
How much PF is taken from a 9 LPA salary?
It's ₹3,600 each month: that's 12% of a ₹30,000 monthly basic pay, with your employer matching it. If your employer only applies the PF to the ₹15,000 cap, it's ₹1,800 monthly, raising your take-home pay to around ₹71,200 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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