CTC Required for ₹75,000 Per Month In-Hand Salary — India 2025-26
To take home ₹75,000 per month, you need approximately ₹10.5-11 LPA CTC under the new tax regime. At ₹11 LPA CTC, take-home is ₹80,904/month for FY 2025-26 (zero income tax).
For ₹75,000/month in hand, target ₹10.5 LPA CTC (new regime gives ₹77,217/month) or ₹11 LPA (₹80,904/month). Both have zero income tax — taxable income stays within the ₹12L 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)
₹80,
Tax: Nil (87A rebate)
Old regime (monthly)
₹72,
Tax: ₹1,01,035/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.