Article · ~8 min read

In-hand salary calculation: how much you take home on Rs 5 lakh to Rs 20 lakh CTC under the new rules

Upstox · upstox.com Free Beginner India

Works CTC down to in-hand pay before and after the Labour Codes for several CTC levels, showing basic moving to 50% of CTC, PF at 24% of basic (employer plus employee) and gratuity provisioned at 4.81% of basic.

  • Where basic is already 50% of CTC, in-hand pay does not change.
  • Employers that restrict PF to the wage ceiling keep in-hand pay steadier; the ceiling rose from Rs 15,000 to Rs 25,000 a month on 17 September 2026, after this article, so the restricted contribution is now Rs 3,000 a month, not Rs 1,800.
  • Gratuity in CTC is paid only after five years of service.
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The question it answers

  1. How do I calculate CTC and in-hand salary when I hire in India?

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