🇮🇳 India · FY 2026-27 · new regime
₹18 lakh salary — in-hand pay FY 2026-27
A ₹18 lakh salary leaves ₹16,49,200 a year in hand under the new regime for FY 2026-27 — about ₹1,37,433 a month before PF. Income tax including cess: ₹1,50,800 (8.4% effective rate).
| Line | Yearly | Monthly | — |
|---|---|---|---|
| Gross salary (CTC) | ₹18,00,000 | ₹1,50,000 | — |
| Standard deduction | −₹75,000 | — | — |
| Income tax + 4% cess | −₹1,50,800 | −₹12,567 | — |
| In-hand (before PF) | ₹16,49,200 | ₹1,37,433 | — |
What this means in practice
You keep 91.6% of every rupee at this level — light by international standards. Compare the same package in the UK or Germany, where comparable salaries lose 25–45% to tax and social contributions.
Common questions
What is the in-hand salary for ₹18 lakh CTC in FY 2026-27? +
About ₹1,37,433 a month before PF. Income tax under the new regime comes to ₹1,50,800 a year (8.4% effective), leaving ₹16,49,200 annually.
How much tax on ₹18 lakh under the new regime? +
₹1,50,800 including 4% cess, computed on taxable income of ₹17,25,000 (after the ₹75,000 standard deduction) through the FY 2026-27 slabs.
Does this include PF and surcharge? +
No — EPF depends on your basic-salary structure (typically 12% of basic), so subtract your monthly PF for the bank-credit figure. Surcharge only applies above ₹50 lakh taxable income.