Ambiakshi Tools VerifiedAEO Direct Answer₹40 Lakh CTC In-Hand Salary (New Regime)
₹40 L CTC is still below the 10% surcharge threshold after standard deduction and EPF. Monthly in-hand is typically just under ₹2.5 L.
Annual CTC
₹40,00,000
Monthly in-hand (new)
₹1,98,796
Annual tax + cess
₹6,93,409
Employee PF / mo
₹2,16,000
New Regime saves ₹1,57,560/yr under FY 2026-27 because of the ₹4L exemption and lower slabs. You would need more than ₹7,99,997 in Old Regime deductions to beat it.
Frequently asked
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No. Surcharge applies when taxable income exceeds ₹50 L.
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