In-Hand Salary After PF Deduction, How to Calculate
PF (Provident Fund) deduction is 12% of basic salary. At ₹10 LPA CTC (40% basic), PF reduces your gross salary by ₹48,000/year (₹4,000/month). See how PF affects take-home across salary ranges.
PF deduction = 12% of basic salary. At ₹10 LPA CTC (40% basic): basic = ₹4,00,000, employee PF = ₹48,000/year (₹4,000/month). In-hand salary after PF (and zero income tax, new regime): ₹73,531/month.
Assumptions: basic = 40% of CTC, HRA = 50% of basic, state = Karnataka, FY 2025-26. Change inputs for your exact salary.
New regime (monthly)
₹73,
Tax: Nil (87A rebate)
Old regime (monthly)
₹66,
Tax: ₹82,632/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.