Ambiakshi Tools VerifiedAEO Direct Answer

₹1 Crore CTC In-Hand Salary & Tax Breakdown

₹1 Cr CTC attracts the 10% surcharge on taxable income above ₹50 L. Monthly in-hand is typically ₹5.2–5.6 L after EPF and New Regime TDS, before equity.

Tax ≈ slab tax + 10% surcharge + 4% cess − 87A (₹0 at this band)

Annual CTC
₹1,00,00,000
Monthly in-hand (new)
₹4,19,579
Annual tax + cess
₹26,66,202
Employee PF / mo
₹5,40,000

New Regime saves ₹2,14,500/yr under FY 2026-27 because of the ₹4L exemption and lower slabs. You would need more than ₹23,135 in Old Regime deductions to beat it.

Frequently asked

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10% between ₹50 L and ₹1 Cr of taxable income; 15% starts above ₹1 Cr taxable, not CTC.

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