15 LPA Take Home Salary — Net In-Hand Salary FY 2025-26
At ₹15 LPA CTC, your monthly take-home is ₹1,03,582 (new regime) vs ₹93,440 (old regime without deductions). New regime is better by ₹10,142/month unless you have heavy deductions.
Monthly take-home at ₹15 LPA CTC: ₹1,03,582 new regime vs ₹93,440 old regime. Gross salary is ₹13,99,154 and new-regime tax (after cess) is ₹81,768 per year at this income level.
Assumptions: basic = 40% of CTC, HRA = 50% of basic, state = Karnataka, FY 2025-26. Change inputs for your exact salary.
New regime (monthly)
₹1,
Tax: ₹81,768/yr
Old regime (monthly)
₹93,
Tax: ₹2,03,472/yr
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Assumes basic = 40% of CTC, HRA = 50% of basic, employee and employer PF at 12% of basic each, gratuity provision at (monthly basic x 15)/26 per year, professional tax as per Karnataka rates, and FY 2025-26 tax slabs. Old regime comparison uses standard deduction only — add your actual deductions in the full calculator.