CTC Required for ₹1 Lakh Per Month In-Hand Salary, India 2025-26
To take home ₹1 lakh per month, you need approximately ₹14-15 LPA CTC under the new tax regime. At ₹15 LPA CTC, your take-home is ₹1,03,582/month (new regime) for FY 2025-26.
To take home ₹1 lakh per month, you need about ₹14.3-15 LPA CTC under the new regime. At ₹15 LPA, take-home is ₹1,03,582/month. The ₹14 LPA mark gives about ₹97,422/month, just short of ₹1 lakh.
Assumptions: basic = 40% of CTC, HRA = 50% of basic, state = Karnataka, FY 2025-26. Change inputs for your exact salary.
New regime (monthly)
₹1.04 Lakh
₹1,03,582
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.