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₹15 Lakh CTC In-Hand Salary (New Regime)

₹15 L CTC typically yields about ₹1.05–1.15 L monthly in-hand after EPF and New Regime TDS, depending on basic percent and state PT.

Annual CTC
₹15,00,000
Monthly in-hand (new)
₹89,437
Annual tax + cess
₹79,801
Employee PF / mo
₹81,000

New Regime saves ₹22,441/yr under FY 2026-27 because of the ₹4L exemption and lower slabs. You would need more than ₹5,15,389 in Old Regime deductions to beat it.

Frequently asked

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Yes. Surcharge starts when taxable income exceeds ₹50 L.

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