Source: https://awesomecalcs.com/salary-calculator/900000-ctc-in-hand-salary
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

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# ₹9 LPA CTC In-Hand Salary

> See the monthly take-home salary, PF deduction, and complete salary breakup for a ₹9 LPA annual CTC.

Interactive calculator: https://awesomecalcs.com/salary-calculator/900000-ctc-in-hand-salary

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## Scenario inputs

```json
{
  "inputs": {
    "annualCTC": 900000
  }
}
```

## Frequently asked questions

### How is in-hand salary calculated for a ₹9 LPA CTC?

On a ₹9 LPA CTC, basic is ₹30,000/month and HRA is ₹15,000/month. After employer PF deduction from CTC and employee PF (₹3,600/month), take-home is ₹67,800/month before income tax. Use the salary calculator to model income tax under old and new regimes.

### What is the monthly PF deduction on a ₹9 LPA salary?

Employee PF on ₹9 LPA CTC is ₹3,600/month (12% of ₹30,000 basic). Employer contributes ₹3,600/month, so ₹7,200/month total is credited to your EPF. Your employee-side annual EPF contribution is ₹43,200, which counts towards the 80C limit.

### How can I maximise take-home pay on a ₹9 LPA CTC?

₹9 LPA is in the most common salary band for mid-level professionals in India. At this CTC, income tax under the new regime is around ₹40,000-50,000/year. Under the old regime, fully use 80C (EPF + ELSS), claim HRA if you rent, and add ₹50,000 NPS (80CCD(1B)) to reduce taxable income by up to ₹2 lakh beyond basic deductions.