Source: https://awesomecalcs.com/net-gross-salary-calculator/in-hand-salary-after-pf-deduction
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# In-Hand Salary After PF Deduction, How to Calculate

> PF (Provident Fund) deduction is 12% of basic salary. At ₹10 LPA CTC (40% basic), PF reduces your gross salary by ₹48,000/year (₹4,000/month). See how PF affects take-home across salary ranges.

Interactive calculator: https://awesomecalcs.com/net-gross-salary-calculator/in-hand-salary-after-pf-deduction

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## Scenario inputs

```json
{
  "inputs": {
    "annualCTC": 1000000,
    "basicPercent": 40,
    "hraPercent": 50,
    "state": "Karnataka"
  },
  "answerText": "PF deduction = 12% of basic salary. At ₹10 LPA CTC (40% basic): basic = ₹4,00,000, employee PF = ₹48,000/year (₹4,000/month). In-hand salary after PF (and zero income tax, new regime): ₹73,531/month."
}
```

## Frequently asked questions

### Can I opt out of PF if my salary is above ₹15,000?

Employees earning above ₹15,000 basic per month are not mandatorily required to join PF, but most companies enroll everyone by default. If your basic exceeds ₹15,000, you or your employer can choose to cap PF contributions at ₹15,000 basic (₹1,800/month employee PF). For basic below ₹15,000, PF is compulsory. Check your employer policy, many companies continue 12% on full basic even if not mandatory.