5 LPA Take Home Salary — Net In-Hand Calculation FY 2025-26
At ₹5 LPA CTC, your monthly in-hand salary is ₹36,665 under the new tax regime for FY 2025-26. Full breakdown: basic, HRA, PF, gratuity, and zero income tax (87A rebate applies).
Your monthly take-home at ₹5 LPA CTC is approximately ₹36,665 under the new tax regime. Income tax is nil because the taxable income falls within the ₹12 lakh 87A rebate limit.
Assumptions: basic = 40% of CTC, HRA = 50% of basic, state = Karnataka, FY 2025-26. Change inputs for your exact salary.
New regime (monthly)
₹36,
Tax: Nil (87A rebate)
Old regime (monthly)
₹36,
Tax: Nil
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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.