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₹30 Lakh CTC In-Hand Salary & Tax Breakdown

₹30 L CTC is about ₹1.92 L monthly in-hand, with an effective tax rate near 18%.

Annual CTC
₹30,00,000
Monthly in-hand (new)
₹1,58,633
Annual tax + cess
₹4,05,006
Employee PF / mo
₹1,62,000

New Regime saves ₹1,43,520/yr under FY 2026-27 because of the ₹4L exemption and lower slabs. You would need more than ₹8,00,000 in Old Regime deductions to beat it.

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Roughly ₹5.45 L a year under the New Regime including 4% cess, before employer PF capping.

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